Thursday, June 28, 2012

When Full Coverage Auto Insurance Actually Mean Less

Full Coverage auto insurance is much more of a promoting gimmick. The term ‘full’ is case-sensitive and differs with perspective. The actual ‘Full Coverage’ is no different than the typically accessed auto insurance. Insurance companies provide its buyers a wide range of insurance plans and also other sorts like full coverage auto insurance to personal customers.

Full coverage auto insurance provides a comprehensive coverage both to the driver and to the car. The main dish that this insurance serves is giving high protection to the insured protection from a huge financial risk in case of any accident. Here is a list of the terms included to full coverage auto insurance:

The collision insurance which covers the physical damage of the car and the cost of its repair. However some non-metallic components are not covered by the policy.
The medical insurance that covers for first aid and its expenditure.
The property damage insurance which covers against damage of non-auto properties since almost of the accidents includes either damage to the insured vehicle or to public property.
The liabilities insurance covers reimbursement of any lawyer fees and cost of compensation in case the other party in the accident presses charges against the insurance owner.

The working of a full coverage auto insurance policy is no different from the ordinary cheap car insurance policies for vehicles.  There are some important aspects that the insurance brokers and agents take into consideration while providing the policy and quoting the premium. These aspects include:

Age of the driver and the car. The rule of thumb is, older the driver the lesser the premium and older the car, more is the premium.
The speed and CC of the car do matter, as faster cars get into more number of accidents, which are damaging.
Driving lessons, charitable work and good grades, often get lesser premiums.
Full coverage auto insurance may be technically in character but financially not since the state minimum limits of $15,000/$30,000/$5000 would barely cover an injured person’s medical costs and damage to their auto. And unfortunately the reality is most people are under-insured.  Take a moment and call the 800 toll free number your current cheap car insurance agent, and complete a comprehensive review of your policy. Now, this may seem like doom and gloom—but actually you probably have the ability right now in your current policy to make subtle changes that will give you more coverage for about the same monthly premium.

Monday, June 25, 2012

Commercial Vehicle Insurance

Day 60 - West Midlands Police - Uninsured Vehi...
Day 60 - West Midlands Police - Uninsured Vehicle Crusher (Photo credit: West Midlands Police)

With hard work come liabilities and expenses.  And in having insurance in business makes you protected or at least less worried when the time comes you pay what comes with hard work. This why finding the exact policy for the insurance of your business especially in your business vehicles a real challenge. A commercial vehicle policy tends to target companies that hold multiple vehicles with diverse usage. 

Compared to private cheap auto insurance in NJ, such a policy must enable the company to continue trading effectively if one of its vehicles or drivers is off the road. Insurance policies are typically made up of the essential “third party”, “third party, fire and theft” or “comprehensive” alongside a whole list of optional add-ons specific to your company’s requirements. It is therefore essential that you understand your entire business’ needs when selecting an appropriate policy. This is straightforward for a very small business with few employees, but becomes increasingly complicated as the size of business increases.

Commercial vehicle insurance is one of the kinds of insurance policies that can offer your business security, but it’s often ignored by business owners who underrate the amount of danger they face by carrying the wrong kind of car insurance for the business use of their car. Furthermore, taking this sort of risk makes one’s business vulnerable to any vehicular liabilities such as Customer-linked liabilities and Employee Liabilities.

Thus the very purpose of commercial vehicle insurance comes in to protect you from these types of crisis that may bring loss from your earnings. And there are a few steps you might need to consider in having your insurance a start and maintenance. First is to hunt for the appropriate plan according to your terms and needs. You may go over with different policies from different insurance companies taking into consideration the driving records of your employees since it will be one of the factors the insurance provider looks at in making your insurance policy and coverage.  On the other hand it would also be beneficial for you if you have skilled drivers with good driving records.

Second is to be consistent once you find you’re the right cheap auto insurance in PA, and consistency means continuous coverage of the insurance because if you decide to lapse you may be putting your business and your reputation at risk and also you are setting yourself up for a hefty expense increase when you decided to implement your next insurance policy. Therefore it is always wise to remember that although commercial auto insurance is an inexpensive way to defend your business assets and guarantee the continuation of your company. Without it, you could lose your business and your livelihood after just one uncovered accident.

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Friday, June 22, 2012

Auto Insurance In Corpus Christi, Texas

Auto Insurance In Texas

Since Corpus Christi is the 8th largest city in Texas it is not susceptible to any uninsured vehicle owners driving the highways that are home to the teeming motorways and expressways dozed with traffic most of the time from day to day. With this kind of streets, considering not the risks of accidents is unwise especially with the city’s statistics of reported vehicular accidents by the Department of Transportation of the city in the year 2010.

* There were 7,815 reported car accidents
* 5,087 of 7815 accidents caused property damage.
* 2,705 of 7815 accidents resulted in injuries.
* 23 of 7815 accidents resulted in fatalities.
* There were 872 stolen vehicles reported in the city of Corpus Christi

In every city of the state all laws of the Department of Transportation is implemented and the city is not exempted to these laws but are actually to enforce them to every citizen who owns an automobile. Every car owner of the place is obliged to drive with auto liability coverage or cheap car insurance in Texas to pay for bodily injury or property damage met in an accident. It is also required that the insurance be personal and is always carried by the owner in case inspection of an officer along the road happens and will be.

In acquiring insurance in the city if you just moved in you must meet the requirements carefully observed to be mandatory for every vehicle driver. One must know that the law requires a minimum coverage of 30/60/25 although presently (2011) it has been modified to minimum liability limits of $30,000 for one injured person, going up to a total of $60,000 for all injuries per accident, and $25,000 for property damage occurred after an accident. This is the minimum policy and proof of financial responsibility you need to carry with your vehicle in all areas of Texas, so that in the event of an accident proven to be your fault, the cost of damages is paid by your policy.

The state of Texas strictly enforces the “no tolerance policy” for uninsured drivers therefore it is a must to obtain an automobile insurance before you drive the Highways of Corpus Christi. Penalties and fines will be issued to anyone caught without neither authorized nor valid auto insurance as a proof of responsibility and worst case scenario might be ending up in jail or getting your car confiscated or towed.

Some Related Article On Insurance For US Driving Residents:
Car Insurance For Young Drivers
The Cheapest Car Insurance

Tuesday, June 19, 2012

Car Insurance For Young Drivers

New drivers in every state are mostly of the young people who are either in the middle or at the end of their adolescence and are now provided with a mode of transportation by their parents as a welcoming token to adulthood. Henceforth, with all knowledge of the laws implemented of the Department of Transportation of every state in America, every driver of what age range is must not drive uninsured now that most of the states are strictly implementing the “no tolerance policy” in uninsured driving.
Car Insurance For Young Drivers

But unlike most of the auto insurances available for a car owner in the market, car insurance for young drivers is the most expensive one since most of the insurance companies consider new drivers especially young adults to have much of a risk when driving considering the following statistics:
20% of new drivers will have an accident within the first 6 month of acquiring their driving license
An 18 year old driver is over three times more likely to have an accident than a 50 year old
 Thus if you are looking for a cheap insurance for your teenage kid to drive a new chevy forget about it and prepare your cash for it would be costly.

Despite many of the laws that are being enacted throughout the country, there are a number of strategies that can help cut down the distracted driving cases going on, which will also bring down the price of young drivers car insurance. Training people to become safe drivers for life is the key to reducing the cost of young drivers’ car insurance long term. And also in finding cheap car insurance in PA for young drivers it is to have your teen show that he or she is responsible. There are many methods to illustrate their accountability. Preserving good grades will often obtain a discount on insurance costs. Some Insurance carriers will also extend a price cut for other local community work.

Indeed having a young driver’s insurance is expensive yet it would not be if only teens would learn to have some training to have some sort of discipline and a sense of responsibility in driving. Teaching a young adult these lessons in safe and responsible driving before accelerating their cars with teenage adrenaline off the road might make you save a lot from the bill you will be paying for the insurance and from any medical bill for a road mishap due to irresponsible teen driving.

Sunday, June 10, 2012

Car Buying Guide & Full Coverage Car Insurance: Cost and Factors

Full Coverage Car Insurance
Driver or not, it’s quite essential to know some factors that affect the cost of full coverage car insurance and list them in your car buying guide. When you want to buy a car you don’t only need to think of that car’s price but as well as how much would it cost you for it to have full coverage car insurance. Rates are not constant and the cost of the insurance premium you will have to pay will be determined by a number of factors which are the following:

Car Type
Considered as the decisive factor in calculating your insurance rate is the type of car that you want to insure. Cars with higher horsepower (either gas-powered or cars with diesel engines ) will evidently have higher full coverage car insurance rates compared to a family sedan. Car types and models whose history has lesser accident rates and theft will most likely have lower insurance premiums.

Car Safety and Security Features
Vehicles that have sufficient safety and security features installed will have lower full coverage car insurance cost. Features such as anti-theft system, anti-lock brakes, and airbags will give you lower rates. Additional features especially those expensive ones like having the hybrid technology, four-wheel drive, chrome finishing and GPS systems will result to higher premiums for reasons that these features attract thieves and its repair cost is way expensive.

Car’s Age
According to our car buying guide, old cars usually do not have better safety features compared to new cars. And if old cars break down the repair cost is usually higher. For this reason, insurance company may charge older cars for higher full coverage car insurance rates.

Your Age and Driving Record
Consider your age as one of the car buying guide and full coverage car insurance factors. Most insurance companies charge higher insurance premiums for drivers younger than 25 years old for they consider these drivers to be inexperienced and are prone to accidents. But even if you reach an old age but have a poor driving history, you will still have to pay for higher rates. Poor driving history that is composed of tickets and accidents will be viewed by insurance companies as risks and justifiable for higher insurance premiums. The cost of your full coverage car insurance may also be determined with other factors such as your location and the type of your car’s engine - diesel engines or gas-powered engines. Diesel engines will usually cause a higher premium for their components replacement are more costly compared to those of gasoline-powered engines. If you are the type of person who runs things in order and in budget it is better for you to carefully consider the car you want to buy - you can also set this as your car buying guide. Full coverage may be heavy to one’s needs but it can protect you and your property better than any other auto insurance coverage. 

Some Helpful and Related Articles:

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Insurance Lesson #104: Property Damage Insurance

As the name suggest, property damage insurance is the insurance that will cover damages incurred to properties. People buy this type of insurance for them to have some financial protection in the event that they caused damages to the properties of others. Though as simple as it seems to be, property damage is quite complicated.
Property Damage

Where does property damage insurance apply to? This type of insurance can be purchased for automobile and home policies. When applied to a vehicle, this insurance protects the vehicle owner in the event that the vehicle will caused damages to other party’s property wherein the policy holder is at fault and that he is being sued for the damages incurred. Though this insurance will only pay for the damages up to the limit described in the policy bought. 

To explain further, when you have inflicted $10,000 damages to properties and that you also bought $10,000 of property damage insurance, your insurance company will take care of all the cost of damages. However, if you have only purchased a lesser amount of insurance compared to the damages incurred, then your company will just pay for the amount covered and that you will have to pay for the remainder. In these cases, the owner of the damage property will sue you for the damages, to oblige you to pay, and you have the option of fighting the lawsuit or settle with the other party. To reduce the out-of-the-pocket payout, you might as well buy a higher amount of insurance for property damage.
Property Damaged By Tornado

However, property damage insurance does not cover all damages inflicted in a car accident. For one is when your vehicle collides with another vehicle, the aggravated vehicle owner cannot sue you or obliged you to pay for the damages from your property damage insurance. Collision-related damages is another thing and outside the boundaries of the property damage. In this event, the other vehicle owner shall file a claim for the damages on collision damage insurance. And to further make things clear, property damage insurance only covers property damage and that if you caused injuries to other people due to the accident, this insurance cannot be used to cover the medical expenses thereof.  Property is to property alone, not including injured people. In most states, laws dictate a person as to the minimum property damage insurance one must have but insurance agents can advise you what to have in order for you to have sufficient protection. I suggest you read more info about property and casualty insurance and claims on property damage insurance < here.

Thursday, June 07, 2012

800 Toll-Free Numbers: Things You Need To Know

800 Toll-Free Numbers
800 toll-free numbers have proven to be very effective tool in increasing business sales. And unlike most perception, maintaining toll free numbers are that complicated. With many 800 number carriers now available, the competition had become stiff and that each carrier has something great to offer. With this article, we will provide you some thoughts as to how you shall decide on getting toll free number for your company.

Instate and Interstate
If you are only doing business within your state, you might just want to have the instate toll free number. However, if you want to expand your business and cover your neighboring states, if not all of the states, then having the interstate toll free numbers is for you. Rates differ on those two types of 800 toll free numbers. However, some toll free number carriers can offer you flat rates for both.

Calls From Payphones
Receiving toll free calls from prospective clients who are using payphones will cost you an extra. When customers call from payphone, the payphone company will charge the call and bill your toll free carrier who will then passed the charges to you. For this matter, it will be on your discretion whether to allow calls from payphones or have your toll free account payphone-blocked.

Giant carriers or resellers
In business, the name always matter. This is why many of us would get the services from those giant established companies. However, these companies’ services come now with a heavy price. In the toll free industry, you can find carriers that are resellers who can offer you lower rates but the services might not be at par with those giant carriers.

Six-seconder versus minute billing
When you get a 1800 number, you can choose as to how you would be billed by your carriers. If you are expecting short calls, you may be able to save if you will be charged on a six-second basis. However, if you are anticipating calls that are longer, minute rounding may be your best option. Inquire on particular toll free companies about their rates and choose what's best for your business.
800 numbers for businesses
Like any other transactions it is best that you double check on your term agreement with your 800 toll free number provider. You must understand each provision, the fees you will have to pay, the rate lock-in periods, billing options and other important clauses. Maintaining toll free numbers is not complicated at all – your provider will be with you all the way. What is difficult is the task of finding the best toll free carrier for your business.

Tuesday, June 05, 2012

Get To Know Property and Casualty Insurance

In owning a property like real estate or cars, boats and other personal assets, your responsibility is not only bounded as to maintaining such possessions. Most laws throughout the United States may require you to have your belongings carry property and casualty insurance coverage that will protect you from any untoward incidents like accidents, vandalism, theft and other occurrences that will bring upon damage. To give it straight to you, property insurance will protect your investments against theft or other similar experiences while casualty insurance will serve as your security blanket when you inflict damages to other properties. In most insurance companies, property and casualty are being put together as a package. 

Property And Casualty Insurance
On property and casualty insurance, the latter part will safeguard the policy holder not just from accidents that will result to damages to properties. It will also cater to liability protection if other people are injured or their properties are damaged due to your fault. Almost all of the states oblige individuals to secure a minimum amount of liability protection for all the vehicles they own. 

Property insurance on the other hand will give protection for your home, business, cars, and other personal items whether you own it or renting it. This policy will see to it that any damages to your property due to unforeseen accidents like weather or fire, is covered. 

As a common practice, many homeowners purchase both the property and casualty insurance for adequate protection. Each insurance type has their own separate perks. For a homeowner’s policy, the insurer will protect your property for its cash value or its replacement value. Replacement value refers to the costs needed to rebuild the same dwelling places at the current price tags. To add, cash value refers to replacement cost of the properties less depreciation. Homes that are usually insured for their actual cost value are mostly old, or almost beyond repair.

In buying property and casualty insurance, for you to have a better understanding, you may read and comprehend thoroughly on the policy’s exclusions. Though this part is sometimes being explained to you by insurance agents, telling you of what specific causes may not be covered before you buy the policy, it is still better to read by yourself. Sometimes we can feel overwhelmed and could not anymore grasp what is being told to us. It is better to certain of what is included and what is not for you do not want to be underinsured in shopping for insurance.

Saturday, May 12, 2012

The Cheapest Car Insurance

The Cheapest Car Insurance
Who does not want to have the cheapest car insurance there is? Almost all of us want that but do we know we where to find one? But what makes it more difficult for us is the fact, that all companies have cheapest car insurance, they offer rebates to showcase some good deals. But are those really the cheapest car insurance? It’s for you to compare and find out.

So, how can you find the cheap car insurance in PA or anywhere in the US? First, is to look for the normal car insurance quote – the inexpensive ones. Finding the cheapest insurance coverage generally relies on the type of plan you want to have, and the list of things you want to include in it. So, in looking for this, you must first identify what you want and the must to be included. If you don’t know what are ‘musts’ to have, then, consider your vehicle’s worth and its age.  If your car is already too old plus you do have medicare, then having auto insurance would not be necessary. But still you are being required to have one. So, just drop those that are not practical to you. In that case, where your car is as old as your old man, and its worth is already around $1000 or so, then drop the collision policy or a thorough cover. 

One thing you can look upon, than you can also drop in buying insurance is the gap insurance coverage. Most view this as being worthless. It is up to you then to see for yourself if it is. Though there are companies who insist on having that kind of coverage.

In negotiating for the cheapest car insurance, here is a simply reminder for you. If you are looking for the cheapest rate you can have for yourself, insurance companies on the other hand are looking for the best rate they can have for themselves. So, be very careful on choosing your policies and always be aware of what you are doing.

Cheap car insurance is usually obtained after a good negotiation. You can have a cheap insurance but as well as good cover. Just be sure that you bought your auto insurance from a very reliable company. This means that in looking for the cheapest provider, you also have to look if there are complaints lodged against them. Insurance is an investment after all and you certainly don’t want to make a bad one.

Again, the key in looking for the cheapest car insurance is compare, contrast, and check. By doing that, you can have the best deal for you with lesser amount of money spent.

Sunday, May 06, 2012

What Is Automobile Insurance?

You may still be wondering what automobile insurance is, and in response, here is an answer to your query. Automobile insurance or auto insurance safeguards you from certain unfortunate incidents that involve your automobile. It is generally a deal you make with an insurance provider wherein you pay for a premium and in return, when an accident happen the insurance company will pay for the damages you acquired as long as it is covered in the insurance policy you have bought.
What are the automobile insurance terms you need to go and understand? One should understand the words ‘deductible’ and ‘premium’ when buying automobile insurance. The latter is the amount you pay for a certain auto insurance policy while the former is the amount that you are going to pay for damages incurred due to an accident. As an example, the policy you bought has a $100 deductible and the damages in the accident amounts to $500, then, you are going to pay only for the $100 of total $500 damages.
Most cheap car insurance covers costs of repairs, medical coverage to injured people caused by the accident, and the legal policies. A policy also exist that will cover cost when your vehicle is vandalized or stolen.

What are the types of automobile insurance coverage?
Automobile insurance policies include different kinds of coverage and of different prices. Your insurance policy may cover the following.
1) Property Damage Liability. When you caused an accident, this coverage will pay for the repairs to the damages incurred by your car the other party as well. This coverage will also apply to the repair costs of any other property hit by your vehicle in the course of the accident such as street lamps, buildings, etc.
2) Bodily Injury Liability. This insurance coverage will pay for the medical expenses, lost wages, suffering, and funeral expenses for people who have been injured in the accident you are legally responsible for. Aside from those, this coverage also covers legal costs in defending you from lawsuit filed due to the accident.
3) Collision. This pays for the damages incurred to your vehicle as it collides with another automobile whether you are at fault or not. This will reimburse you of the cost in fixing your automobile after you have paid for the deductible amount. Most bank-financed vehicles are required to have this type of coverage though this is optional in most states in US.

4) Comprehensive. This type of coverage will pay for the damages not caused by a vehicle-collision accident such as vandalism, falling objects, fires, storms, earthquakes, animal-caused accidents, and in the event that your vehicle will be stolen. This coverage however is optional.
5) Uninsured/Underinsured Motorist Coverage. This insurance policy covers you and the passengers in your vehicle when the accident is caused by an uninsured motorist who has been held responsible for the injuries incurred. It covers medical bills and other related expenses permitted by a particular coverage.

What is the purpose of automobile insurance?
This type of insurance exist to protect yourself and your vehicle, and to free you from possible financial trouble. It is better to be prepared to respond to any untoward incident pertaining to your vehicle. It is better that your automobile is properly insured for accidents can happen to anyone.

Sunday, April 01, 2012

10 Eager Ways To Save on Car Insurance

Having car insurance doesn't need to be expensive! You can always find cheap auto insurance in PA or anywhere in the United States or simply search on the world wide web. If you just explore all possible options, you can always find yourself a bargain. You just need to be a conscious consumer. Further, these top 10 ways to save on car insurance can guide you on your quest:

1. Insurance budget first before anything else. Consider first your budget before you get yourself a new or used car. Car makes and models matter to an insurance’s price. If you have set your sights on some car, you might as well ring the insurance company and ask how much it will cost you to get it covered.

2. Don’t just rely on one insurance quote! There are a lot of car insurance providers out there and with the competition you can certainly find someone that will give you the best rates. Get at least three quotes from different insurers. Just make sure that you’ve got everything important covered. You don’t want to be underinsured in the end.

3. Bigger deductibles. Having a much higher deductible would at first seem to be heavy on your pockets but in can save you some cash in buying insurance premiums.

4. Continued patronage. You can get some good deals when you get your car insurance from your current home or other property insurer.

5. Proactivity. Proving that you are a good citizen, that you have taken driver’s refresher course, that you don’t smoke, or that you have good grades (if you are below 25 years old and a student) can make yourself avail of insurance discounts.

6. They say that the more the merrier and this is also true with car insurance for there are a lot of discounts being offered to bulk insurance purchases like buying through your business, or through your employer or through an organization or a professional group.

7. Check if your job is low-risk. Insurers charge higher premiums on people who do jobs that are risky or prone to accidents.

8. Reduce your older vehicle’s insurance coverage. When your car’s value plummet also means that the insurance should be less than the value you had when it was still new. You can inquire with your insurance provider on how to change your car insurance coverage and still met what is required by law.

9. When you ask for a bargain, you could really get a bargain. Just don’t hesitate to ask for discounts.  Inquire for the company’s discount offerings, they all have one.

10. Seek for a renewal discount. Though this option may not be applicable to all insurance providers but this is still worth a shot. Some companies provide insurance discounts to clients who had already been with them for more than a year. It is called a rate break when you are about to have your car insurance renewed.

Friday, March 23, 2012

Insurers’ Capital Position has Stable Outlook

In the new 2012 outlook report, Fitch Ratings has observed that most P/C insurers’ capital positions are strong enough to manage through significant future adversity.

Fitch Ratings agency issued a “Stable” outlook for the insurance industry.

The report predicts that as premium growth and pricing continues to improve, underwriting and industry profits would boost in 2012.

Through several market surveys and company earnings discussion commentary, it has been revealed that there has been a recent shift in market pricing due to recent expansion of underwriting losses.
The report noted that this positive momentum in premium rates movement is still at an early stage, but market competition remains ferocious.

The extent of capital destruction required to shift market behavior toward the next hard market is still uncertain. According to recent market pricing information by Advisen’s ADVx Pricing Index and company management discussions in earnings conference calls reveal a slight increase and stabilization in pricing.
Though the overall performance seems to be improving, 2012 would still have a lot of underwriting loss for the industry.

Fitch forecasts that the P/C market is still going to experience underwriting losses. It is expecting a combined ratio of around 103 percent and industry return on surplus of 5 percent in the coming year. For the near future, returns on capital are likely to linger in the mid-single digits.

Fitch predicts that in the long run, capital depleting losses such as catastrophes, investment market declines, or unfavorable reserve action, would reset the industry to a negative outlook. Further deterioration in underwriting without proper calculations of a future pricing turnaround would also definitely lead to a negative outlook shift.

Furthermore, based on differences in recent results and important crucial pricing trends, the commercial lines sector is also more susceptible to the negative outlook when compared to personal lines.
Fitch anticipates that favorable reserve development from previous years would be much less helpful in underwriting results compared to last year. In fact, insurers have occasionally complained about reserve deficiencies in certain product lines, especially longer tail risks, such as casualty, workers’ comp, and asbestos reserves.

For more relative information on car insurance comparisons, auto insurance quotes, getting lower rate, more premiums and cheap car insurance in NJ, is one good option.

Wednesday, March 21, 2012

California to Vote on ‘Advance Clean Car’ Program

As the leading greenhouse gas emissions standards upholder in the U.S., the state of California is bearing to push its standards further.

If approved, the proposed rules will require manufacturers to build cars and trucks that emit three-quarters fewer smog-producing pollutants by the year 2025, and mandate that one in every seven new cars to be sold in California be a zero-emission or plug-in hybrid vehicle.

The State’s Air Resources Board had begun hearing statements with regards to its “Advance Clean Car” program this week.

California tops all other U.S. states in greenhouse gas emissions standards for cars and trucks, which went into effect in 2009. The new regulation being pushed this time, the greenhouse gas reduction element was formulated along with federal regulators and 13 automakers so that it will match national standards. This rule is expected to pass later this year.

According to Tom Cackette, deputy director of the air resources board, having the first regulations for clean car was not easy. “When we did the first greenhouse gas standards, it was war,” said Cackette, referring to legal challenges from the auto business.  “They sued us in two federal courts. Fortunately, from our viewpoint, they lost.

Over that time, with the increase in gas prices, the shake-up in the auto industry brought new management which looked at the future. Where’s our future? It’s not profits next quarter but how do we make a sustainable business,” Cackette further said.

The proposed new emission standards will start with new cars that would be sold in 2015 and would be more stringent until 2025, requiring 75-percent reduction and 34-percent reduction in smog emissions and greenhouse gas emissions, respectively, in new cars by 2025.

In addition, this new regulations also include an innovated zero-emissions vehicle mandate which aimed to have 1.4 million zero-emission and plug-in hybrid cars in California by the mentioned year. The regulations will also be laying groundwork for the goal of having 87-percent of the state’s vehicle being powered by hydrogen fuel cells, by electricity or other clean technologies.

David Clegern, the board spokesperson, said that the new regulation was planned over a 40-year horizon. It is believed that the regulation will provide the way to shift away from petroleum reliance.

California’s current smog emissions standards is one of the most stringent in the U.S. having its regulations as model being adopted by other states. Other states like New York, Washington, New Jersey and Massachusetts and 10 others adopted California’s emission goals.

For cheap car insurance in CA, cheap auto insurance in NJ, NY and PA, you can always visit InsureDirect.  Affordable and instant quotes from top 30 insurance carriers in just 10 min.

Monday, January 23, 2012

National Transportation Board Endorses The Forbidding Of Cell Phone Use By Drivers

States should forbid the use of mobile phones and other portable electronic devices while driving unless it is an emergency, says the National Transportation Board.

This advice for State officials forbidding the use of both hands-free and handheld phones is a response a fatal highway pileup in Missouri on August 5, 2010. After a thorough investigation, the board found out that the initial collision in the accident near Gray Summit, Mo., was caused by a 19-year-old-pickup driver who wasn’t fully paying attention to driving.

Travelling at 85 km/hr, the pickup slammed into the back of a tractor truck that had reduced its speed because of highway construction ahead. The pickup was then sandwiched between the bus that was driving behind him; and another, second bus slammed into the back of the first bus.

The 19-year-old pickup driver and a 15-year-old student on one of the buses were killed. Thirty-eight others were injured.

Caring less will sure lead you to accident

The two buses, carrying around 50 students from Gray Summit, Mo., were bound for Six Flags St. Lois amusement park.

Although it is unknown whether the pickup driver was actually using his mobile phone at the moment of the accident, the investigation found out that the teenager sent or received 11 text messages in the 11 minutes leading up to the crash.

At a meeting to determine the cause of the accident and make safety recommendations, NTSB chairman Deborah Hersman said that the accident is a “big red flag for all drivers,” and it was clear that the mobile phone of the pickup driver clearly distracted the driver manually, cognitively and visually.

The board recommends that drivers have to be forbidden to use any type of electronic device while at the wheel. Although the NTSB doesn’t have the authority to dictate any laws, its recommendations would be seriously considered by federal regulators and congressional and state lawmakers.

At the moment, Missouri already forbids the use of mobile phones for drivers below 21 years old but wasn’t enforcing it seriously enough said Rober Sumwalt, one of the board members. 

“Without strict enforcement, the laws don’t mean a whole lot,” he concluded.

Over the years, the board has investigated several other accidents where the use of portable electronic devices was the cause of the incident: a commuter rail accident caused by the train engineering who was texting, killing 25; a fatal marine accident in Philadelphia in which a tugboat pilot was talking on his cell phone while simultaneously using a laptop, and a Northwest Airlines flight that overflew 100 miles past its destination because both pilots were busy on their laptops. While these events always happen, be sure to get your cheap car insurance, on top of everything, it can help you save more. To prevent you being involve in any type of vehicular accident, follow the law and avoid texting while driving.