People Come First in Accidents
If you were to only pay attention to the numerous TV advertisements for automobile insurance, you might think that auto insurance policies were solely focused on fixing damaged vehicles.Read More
How to Check for Flood-Damaged Vehicles
After Hurricane Katrina, car-industry experts were alarmed at how many flood-damaged vehicles were showing up on the market and being purchased by unsuspecting consumers. Once auto insurers pay a total-loss claim on such vehicles, they are sold to the salvage market. Because they may not show any evident signs of damage after they are dried out, these vehicles may be cleaned and sold by con men. To address this problem, in 2009, the U.S. Justice Department began requiring insurers to report total losses in the National Motor Vehicle Title Information System within 30 days. Salvage yards, dealerships, and car-rental businesses must also report totaled vehicles. In the aftermath of Hurricane Sandy, consumers can access this information at vehiclehistory.gov.
NOTE: Regardless of lax state titling laws or interstate sales, vehiclehistory.gov informs consumers whether an automobile has been designated as “totaled.”Read More
Why You Should Keep Track of Your Credit Score
Financial experts suggest that you regularly check your credit score because a good credit history helps qualify you for better interest rates on loans and credit cards. In many cases, a high credit score may also help to ensure lower auto insurance premiums since insurance companies have found that there is a correlation between consumers’ credit history behaviors and expected claims. Car owners may want to keep this in mind when shopping for auto insurance. If your credit history is not very good, you may want to shop among insurance companies that limit themselves to using your age, driving history, type of vehicle, and where you live when determining how much you should pay for your insurance. At Scott Insurance, we have many different auto lines to help you find the best policy if your credit has been affected during these tough economic times.Read More
Vehicles in Connecticut Still Remain Uninsured Regardless of the Law
It is a requirement that all vehicles registered in Connecticut must be covered by at least minimal liability limits. However, still one out of 10 vehicles in CT remains uninsured by auto insurance. And if you are traveling in other states throughout the USA – the percent of uninsured may go higher still. What’s good to know is that you can include optional limits for this “uninsured motorist”. This will cover injuries to the owner and passengers of a vehicle caused by an at-fault driver who has insufficient or no liability insurance. This same coverage can kick in if the other driver has insurance that does not meet our state-mandated minimum liability requirements. Keep in mind however, that Collision Coverage must be present in your policy to protect your vehicle damages from an Uninsured Driver or a hit and run. Call Scott Insurance to review your policy and see if you have any “other guy” issues.Read More
What Type of Music is Safest for Driving?
London Metropolitan University conducted a study that finds the music you listen to can affect how safely you drive (reported by NPR radio on 1.10.13) and your auto insurance rates. They subjected drivers to different play lists over a 500 mile road test. The safest driving occurred when drivers listened to soft and slow music like Nora Jones or Elton John. Hip Hop, dance music and heavy metal produced more aggressive driving. And listening to classical music produced the most erratic driving. Another study in Jan 2000 found that the decibel volume a song was played at also affected reaction time: The louder the music is played the slower the reaction time to stop. (Everyday conversation is approximately 55 decibels – the danger zone is when you are exposed to extended periods of noise louder than 85 decibels and a rock concert can ring in at 120 decibels.) This study found that loud volume can reduce a drivers reaction time by 3/4 of a second. That does not seem much until you multiply that by a driving speed of 60 miles an hour. Now, for an average driver, that car with the loud music will travel an additional 66 feet before the brakes are applied! So for the safest driving: choose music that is soft and that is played softly!Read More
The Sobering Facts of Intoxicated Driving
While underage drinking itself poses a serious threat to the health and welfare of our youth and teens, combining underage drinking with driving produces even more disastrous consequences. The Centers for Disease Control and Prevention show that half of the drunk-driving accidents involving teenagers are reported on Friday, Saturday or Sunday and that half of these crashes occur between 3:00pm and 12:00am. This might give concerned parents some ammunition to say no or set limits when their son or daughter ask for the keys to go to a party-on-the-weekend – especially concerning rising auto insurance rates. Teens driving and drinking constitute close to half of all alcohol-related fatalities in this country. Especially during the holiday season, remember to share these “sobering facts”.Read More