Auto Insurance

Looking Out For The Other Guy

Posted on Dec 7, 2013 in Auto Insurance

Do You Really Know What Your Auto Insurance Covers?

Even though vehicle owners may think they have enough auto insurance coverage to protect them from just about any eventuality, it should be pointed out that nearly 14 percent of motorists are uninsured.

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Beware Flood-Ravaged Vehicles

Posted on Oct 6, 2013 in Auto, Auto Insurance, Motorcycle Insurance

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


NOTE: Regardless of lax state titling laws or interstate sales, informs consumers whether an automobile has been designated as “totaled.”

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Posted on Jan 10, 2013 in Auto, Auto Insurance

Type of music affects driving safety

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!   &

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Posted on Dec 10, 2012 in Auto, Auto Insurance, Life Insurance, Motorcycle Insurance

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”.

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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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