Posted on Oct 19, 2012 in Auto, Auto Insurance

The Damage Done From Texting While Driving

The good news is that the number of motor vehicle fatalities is declining, but the sad news is that percentage deaths from disctracted driving is increasing – and that is totally preventable.   Most of this distracted driving is caused by mobile phones and in particular texting.  This is the most dangerous form because it requires not only the visual and manual skills needed for texting, but it requires congnitive distractions too and raises auto insurance rates when caught.  A driver texting is 25 times more likely to crash.  According to AAA – on a daily basis – over 1200 drivers and their passangers are injured and 25 of them are killed.  What could be so important to take your eyes, hands and mind off the road?

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Posted on Aug 14, 2012 in Auto, Auto Insurance, Motorcycle Insurance

Getting Plenty of Rest to Prevent Sleeping at the Wheel

A lot of focus has been given to drunk drivers and the dangers of their actions.  But don’t underestimate the equally dangerous problem of sleepy drivers.  Studies show that drivers that are drunk or sleepy are both TWICE as likely to be responsible for a motor vehicle accident which raises auto insurance rates to a high level.  Missing just four hours of sleep produces as much impairment as drinking a six-pack other studies have shown.  And the loss of an entire night’s sleep produces an effect that is equal to a blood-alcohol content of 0.19!*  Of course, drinking coffee or taking a nap is not a substitute for getting a good night’s sleep.  And there is no equivalent “breathalyzer” test to know when that dangerous “nodding off”  starts, so drivers must make their own decisions about not driving while sleepy. And keep in mind that the National Highway Traffic Safety Administration found that younger drivers age 16-24 were nearly twice as likely to be involved in a drowsy driving crash as drivers age 40-59.;

*You are legally intoxicated in Connecticut  if your blood alcohol is .08 or above!

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Posted on Jun 4, 2012 in Auto, Auto Insurance

Texting While Driving Will Hike Your Insurance Rates

As if talking on a cell phone was not dangerous enough, now we have the issue of texting while driving, which increases the risk of an accident by four times according to a study by the Transportation Institute at Virginia Tech.  But that is 4 times greater when comparing texting to talking.  The sobering statistic:   texters or talkers are 23 times more likely to be in an accident as the drivers that has no phones at all to distract them.    The effect of reading or sending a text diverts the driver’s eyes from the road for an average of 4.6 seconds and that is the same as driving the length of a football field, blind, at 55 mph!  (US Dept. of Transportation figure)

Male Driver Texting while driving Derby CTIn CT there is no forgivness for first time offernders – the fine is $125 for first time offense, $250 second and then $400.   But more than just avoiding costly tickets, putting down the phone will also keep auto insurance rates down, and prevent injury and even deaths.

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MEN VS WOMEN -Who Drives Better?

Posted on Mar 22, 2012 in Auto, Auto Insurance, Coverage News, Life Insurance

Who Are Better Drivers, Men or Women

Who Are Better Drivers, Men or Women

Study Reveals Which Gender is Likely to Drive More Reckless

The unending battle of “who is better” moves onto to the driving battleground:  Who are better drivers, men or women?   The most recent study on the matter looked at a  gender-specific comparison of  traffic violations, accidents, and auto insurance costs.     Contrary to what men might believe, the comparison shows that women are better drivers in nearly every category, including reckless driving, failure to yield, seat belt violations, and speeding.  The study’s findings reveal that men are responsible for nearly 80% of all fatal and serious automobile crashes, and women are 27% less likely than men to cause auto accidents.  Male DUI drivers outnumber females by 3-1.  This study is by the Insurance Institute for Highway Safety’s Highway Loss Data Institute.  It also reports more men than women die each year in car crashes.  In crashes of equal severity, however, females are more likely than males to be killed or injured, perhaps because they are in the passenger seat?

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Posted on Feb 25, 2012 in Auto, Auto Insurance, Motorcycle Insurance

Rear Facing Car Seats Recommended for children until 2 years of age.

The Benefits of Rear-Facing Car Seats

A new finding about rear facing car seats will help anyone who is in charge of transporting young infants and toddlers in their automobiles.  This updated recommendation is offered by the National Highway Traffic Safety Administration and the American Academy of Pediatrics:  Keep children in rear facing car seats until they are TWO years old, instead of the one year.  This is based on evidence taken from 5 years of U.S. crash data showing that one year olds are 5 times less likely to suffer injury if they are in rear facing seat than a forward facing seat.  This is because toddelers have relatively large heads and small necks.  This makes them more susceptible to the spinal cord injuries that result from the force of a car crash that jerks their heads violently.  So best to keep them looking backwards for the first two years of their lives – which will save you money on auto insurance as well.

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Not Good Enough

Posted on Jun 21, 2011 in Auto, Auto Insurance, Home Insurance

The Risk of Driving Under the Influence

While a recent report released by the Substance Abuse and Mental Health Services Administration indicates that fewer Americans are driving drunk or on illicit drugs than previously, the number who are doing so is still alarmingly high. During a recent three-year period, more than 30 million Americans admitted to driving drunk, and more than 10 million said that they drove on illicit drugs. These numbers represent slight reductions in the number of impaired drivers, but they are certainly nothing to be proud of. The problem seems to be most serious among drivers in the 16-to-25 age group, nearly 20 percent of whom indicated that they had driven while drunk during the previous 12 months and their auto insurance rates increase. Impaired driving remains a serious problem.

NOTE: According to the Substance Abuse and Mental Health Services Administration, 11.4 percent of drivers aged 16 to 25 said they drove on illicit drugs during the previous 12 months.

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