'Crash etiketine sahip kayıtlar gösteriliyor. Tüm kayıtları göster
'Crash etiketine sahip kayıtlar gösteriliyor. Tüm kayıtları göster

30 Nisan 2015 Perşembe

Your subsequent new vehicle could auto-dial 999 soon after a crash




The European Parliament this week voted in favour of installing devices which will automatically contact for assist from the emergency services in the occasion of a crash.


The intention is to have them fitted as standard in new vehicles and vans by March 2018.


The initiative, eCall, will alert the emergency services with details of your precise location, the time of incident and the direction of travel.



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So even if a driver is knocked unconscious in a a single-vehicle incident (say they run off a quiet road when no other drivers are about), then an emergency response unit will be dispatched to the scene of the accident right after getting information from the in-vehicle devices.


Even if no-one particular in the vehicle is capable to speak, a minimum data set is sent.


Some vehicles, such as the Citroen C1 Connexion, now come fitted with telematics technologies as component of the package. Check out the video beneath to see how the technologies functions.


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It’s estimated that eCall cuts emergency response time by up to 50% in the countryside and by as much as 60% in built-up areas.


Moreover, if a driver sees an accident, they can report it immediately by pushing a button on the dash that will place them via to an emergency response manage area.


And ahead of any of the tin-foil hat brigade get worried about their whereabouts getting tracked, ‘sleep mode’ is the default function of eCall, so it does not let for vehicle tracking outdoors of emergencies.


Roll-out of the initiative was scheduled for this year, but opposition regarding information protection has led to delays.


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Security initial


Would you be far more ready to install a telematics device in your car if it wasn’t employed to monitor your driving (such as eCall, for instance)?


Let us know below…


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Your subsequent new vehicle could auto-dial 999 soon after a crash

27 Mart 2015 Cuma

Chrysler Goes To Trial Over Fiery Jeep Crash, Defends Fuel Tanks





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A 2006 fatal crash involving a 1993 Jeep Grand Cherokee and one more 4-year-old youngster burned to death, Cassidy Jarmon, is pictured in Cleburne, Texas.


Older Jeeps with fuel tanks situated behind the rear axle might lead to explosive testimony in case against Chrysler beginning trial in Georgia. This month, a loved ones whose 4-year-old son burned to death in the back of a 1999 Grand Cherokee is beginning trial against the automaker—and in contrast to most large organizations facing wrongful-death claims, Chrysler is refusing to settle.


Bryan and Lindsay Walden of Bainbridge, Georgia, brought the suit against Chrysler in July 2012, 4 months following their son, Remington, was killed when a 1997 Dodge Dakota rear-ended the ’99 Grand Cherokee in which he was riding. According to Automotive News, the boy only suffered a broken leg from the influence but “died screaming in a fire so intense his chest fused to the Jeep’s door” as he attempted to escape his booster seat. He may possibly have been alive for an complete minute even though engulfed in flames.


As heart-wrenching as this account is, the Waldens aren’t alone. There are more than 70 fire-associated deaths from rear-end collisions in older Grand Cherokees and Libertys, according to the Detroit News. Security advocates like Jenelle Embrey—who claimed to witness a mother and teen burn to death in a Grand Cherokee and later sent an on the internet petition with 128,000 signatures to the National Highway Traffic Safety Administration in 2013—say there are hundreds far more.


Embrey’s petition led to a NHTSA investigation that discovered greater-than-average fatality rates amongst 1993-1998 Grand Cherokee and 2002-2007 Liberty models. Chrysler contends that these are higher-speed, high-energy collisions, that the Jeeps are no less protected than their contemporaries, and that they met all safety standards of the time.


In June 2013, soon after initially refusing a NHTSA recall request, Chrysler did recall 1.56 million of those Jeeps and sent letters to yet another 710,000 owners of later, 1999-2004 Grand Cherokees as a “customer service campaign,” advising them to bring in their vehicles to have tow hitches installed.


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On these Jeeps, the fuel tanks are positioned behind the rear axle just inches away from the rear bumper and have fuel filler hoses that run by means of the frame rails. Beginning with the redesigned 2005 Grand Cherokee, Chrysler repositioned the tank away from the rear bumper.


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The trailer hitch is supposed to provide some additional measure of protection for the fuel tank, at least in low-speed collisions. But former NHTSA administrator Joan Claybrook says these hitches may really do more damage, citing a Grand Cherokee fire in 2006 throughout which the hitch pierced the tank. Claybrook, as element of Nader’s Center for Auto Safety, suggested that NHTSA require Chrysler to set up metal shields and reinforce the filler hose, and crash-test a car with these upgraded parts.




The Walden case presents a lot more trouble for Chrysler. As an alternative of a closed settlement, a jury will make a decision Chrysler’s fate and could simply open the door to further, effective lawsuits. Details from the case are currently getting created public, such as the deposition of Fiat-Chrysler CEO Sergio Marchionne in January, who said that he does not think there is the “slightest proof that Grand Cherokee or the class that we’re talking about here are defective.”


That a tiny civil suit in Georgia is even involving the CEO of a giant, global automaker should be proof that these fuel tank fires have substance in court. It is not recognized whether or not Chrysler has settled any related cases.







Chrysler Goes To Trial Over Fiery Jeep Crash, Defends Fuel Tanks

25 Mart 2015 Çarşamba

Advice on What to Do If You Are In Road Crash




Carnage on South African roads remain a concern as 1 368 people lost their lives over the 2014/15 Festive Season, with 193 fatalities registered for the 4 day 2014 Easter long weekend alone.  Head-on collisions are cited as the leading cause of death on South African roads with around 40% of fatalities being pedestrians.


In an effort to make a difference, Cartrack joined hands with Fury Motor Group to provide support to Netcare 911’s Rapid Intervention Unit which offers assistance and support over the coming Easter weekend, a time when road accident victims and emergency services personnel need support most.  The Rapid Intervention Unit will once again be stationed along the N3 route to Kwazulu-Natal at Van Reenen’s Pass – a hot spot for accidents – and will attend to any incidents in the vicinity.


“An accident scene is normally accompanied by a certain degree of chaos, that emergency personnel need to navigate in order to assist accident victims,” says Peter De Kock, Group Risk and Credit Manager at Fury Motor Group.  “More often than not, road users that are involved in an accident are frantic and not sure what to do,” he adds.


According to Neill Visser, Netcare 911 Regional Operations Manager for Gauteng West, your first priority is to remain calm and ensure no one is injured and/or may need medical assistance and assist the injured until help arrives. Once this is done, collect as much information as possible.  “Try and get an eye-witness to the incident as this will corroborate your story to your insurer,” says Neill.


Netcare 911 recommends that you exchange the following details:


  • Name, Surname

  • ID number

  • Telephone Number/s

  • Vehicle Registration numbers

  • If the other driver is a professional driver (taxi; delivery; truck or ambulance) they should be in possession of a valid Professional Driving Permit (PDP) that is seen on the drivers licence. If it is not valid, take a photo.

  • Take photos of the following:

o    The damage to your vehicle


o    All the damage to the other vehicle both old and new, as often other parties will try and claim for old damage


o    The overall scene


o    Your vehicle from the direction that you were travelling in, indicating brake/skid marks


o    Direction of where the other party was travelling from


o    Licence disks of both vehicles


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“It is always a good idea to have your mobile phone handy and to have a first aid kit in your car.  In the event of an accident or when you come across an accident, remember to park your vehicle safely, in such a way that you do not obstruct emergency vehicles, with your hazard lights on,” says Neill.


“Ensure that you know a National emergency services number such as 082-911 or 10117 or 112, from a cell phone,” Neill emphasises.  “Try and provide the emergency operations centre agent with as much accurate details as possible. The agent will normally guide you through the process and will most likely insist on your telephone number in the event that they need to call you back, the scene address and/or visible landmarks, what is happening at the moment and the patient’s condition,” explains Neill.


If emergency personnel arrive at an accident scene where the patient is unconscious, they will complete treating the patient and then will most likely look around in the vehicle for a means to identify the patient.  “Good sources are cell phones, from where we will either look for numbers stored under ICE (In Case of Emergency) or last dialled numbers. However, these functions often do not work because phones are locked and we cannot access the information,” explains Neill.  “We will also look at the debris within the vehicle for any documents with identification such as business cards, wallets and paperwork.  As a last resort we will trace the vehicle’s registration number through Metro Police or SAPS,” Neill adds. This information will prove invaluable in determining receiving facilities and informing next-of-kin…


Juan Marais of Cartrack, a leading vehicle tracking and recovery, fleet management and telematics service provider says an important aspect that many overlook is the use of medical bracelets.  “If you have a child that is autistic, or if you suffer from epilepsy, or you are allergic to certain medication, among others, then wearing some form of medical bracelet is vitally important,” says Juan. “Not only will it provide emergency personnel with critical information they need to give you the best possible care in the fastest possible time, but it will speak for you when you are unable to do so.”


The possibility of being in an accident is a topic that most people avoid at all cost, and yet it is something that demands consideration.  “Being informed and knowing what you need to do to secure the best possible care in a moment of need, will not only help emergency personnel on the scene but can ultimately save your life,” concludes Juan.







Advice on What to Do If You Are In Road Crash

9 Ocak 2015 Cuma

Crash Toll in Nebraska Likely to Hit 5-Year High






Nebraska’s highway safety administrator says the number of folks who died in Nebraska crashes in 2014 most likely will be the highest number in 5 years.


The Lincoln Journal Star reports that as of the morning of Dec. 31, 2014, 221 men and women had died in crashes. That’s the highest number because the 223 in 2009. Due to the fact of the holiday, officials couldn’t give the final toll for 2014.


Nebraska highway safety administrator Fred Zwonechek says he expects the price of fatalities per million miles traveled may be reduced than last year, even so. He expects the miles driven to be greater than 2013 since fuel rates have dropped beneath $ 2 a gallon in some parts of Nebraska. Plus, mild weather for Christmas, Thanksgiving and Labor Day led to a lot more trips for people.


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Crash Toll in Nebraska Likely to Hit 5-Year High

5 Kasım 2014 Çarşamba

Lyft Rideshare Passenger Dies in California Crash






A spokeswoman for rideshare service Lyft says a single of its drivers was involved in a multi-automobile crash in Northern California that left a man dead.


California Highway Patrol officials stated the driver was giving a ride to 2 passengers early Saturday when his Toyota Camry swerved on Interstate 80 close to Roseville to avoid a car stuck on the freeway. The Camry lost control and slammed into 2 trees.


KTXL-Tv reports 24-year-old Shane Holland, who was riding home from a Halloween celebration with his boyfriend, died in the accident.



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Lyft spokeswoman Erin Simpson offered condolences to the victim’s family on Sunday and stated the rideshare service is cooperating with investigators.


The Lyft driver and the other passenger were hurt. The extent of their injuries is not identified.


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Lyft Rideshare Passenger Dies in California Crash

3 Kasım 2014 Pazartesi

Know the cost of a car crash: What being uninsured means for the uninsured, the insured and the insurer




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Driving without insurance is a gamble which can become very costly if you have an accident. There are however products available which can make car insurance more affordable. Before driving on our country’s roads, South Africans should ask themselves if it is worth taking the risk, especially when times are tough and personal budgets are under pressure. The implications of driving without cover affect not only the uninsured party, but those who do have insurance and even the providers of insurance solutions.


Statistics indicate that every year, one in 4 people will be involved in a vehicle accident while one in every 2 people will experience a collision at least every 3 years. With 2 out of every 3 drivers being uninsured, the chance of being hit by a driver who is without insurance is high.


Impact on the uninsured


Should you get into an accident but have no insurance, the consequences can be financially devastating even if there are no injuries.


While there is damage to your own vehicle to consider, if you caused the accident, you could also be held responsible for the costs of repairing damage to the property of other people. This can be pursued by the other party in an accident, but in reality it is usually their insurance company which will seek damages.


If others are injured, you could also be sued for medical costs, pain and suffering inflicted on third parties.


Impact on the insured


If you do have insurance, but get into an accident with someone who doesn’t, there are still implications for you. Most significantly, you will have to pay an excess for any repairs which may be necessary to your vehicle and other property. Your premium could also be increased if you have had to claim, as your risk profile changes even though the accident wasn’t your fault. Some insurers also revoke the no-claim bonus; however, with MiWay, clients receive a bonus whether they claim or not.


Impact on insurers


To make their products attractive to customers, insurers work to keep their premiums as low as possible, while still ensuring sustainability. However, uninsured drivers directly impact the industry by driving up costs which often have to be passed on to customers.


Uninsured drivers who have caused an accident often cannot afford to pay for the damage. The insurer can pursue them for costs, but this in itself is an expensive exercise and in many cases, doesn’t bear fruit. After all, if someone has no money, they cannot pay.


If you are on the road, take advantage of low cost options. Some cover is better than no cover at all, so if your circumstances change, get in touch with your insurer to find out which options are available to you.


Insurance Alternatives for the uninsured


The low-cost alternatives available to uninsured drivers include:


  • Third-party, fire and theft covers you for fire and theft of your car and damage to the property of others.

  • Third-party only covers damages to the property of others.

  • MiWay’s unique MiWheels Limited Product, which offers partial cover for your vehicle, as well as benefits such as transport money in place of car hire.

For more information on car insurance, visit www.miway.co.za


MiWay is an Authorised Financial Services Provider (Licence no: 33970)


MiWay Insurance Limited (‘MiWay’)is a direct, short-term insurance company, offering customers a range of short-term insurance products including motor, household and homeowners insurance as well as add-on products such as warranty cover and liability cover. MiWay’;s shareholder is Santam, a blue-chip JSE-listed company.







Know the cost of a car crash: What being uninsured means for the uninsured, the insured and the insurer

9 Ekim 2014 Perşembe

Who should swerve and to where to avoid the head-on crash in the same lane?





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This is not an easy question to answer. We referred this rather interesting question to well-known crash reconstructionist Stan Bezuidenhout and would like to share his response!


Question:


“Watching vehicles overtake in places they should not made me think about the following:


1. If I’;m in my lane and faced a vehicle head-on – 1a. which way would I swerve? 1b. which way would the other vehicle swerve?


2. If I’;m the overtaking vehicle – 2a. Do I swerve? 2b. Do I stay in the lane and move closer to the vehicle I’;m overtaking?


We know this is a problem that won’;t go away easily – can tips be made available on TV etc BEFORE Christmas holidays come?  Another problem are drivers that “KNOW THE ROAD” as they travel it most days (eg George/Oudtshoorn) – but then the saying of “familiarity breeds contempt” is true and other drivers slowing down on a section of road UNFAMILIAR to them get labelled as slow/bad drivers.


Just a thought for tips for the up-coming holidays.


Regards”
Response: 


“Faked Right Syndrome” and how to prevent it…


The questions posed by Ms Liebenberg were very insightful and rather complex to answer at the same time. Her awareness of this and her request fills me with confidence regarding the future of road safety in South Africa. If road users are capable of approaching an issue that complex with so much insight, then perhaps all our combined efforts are starting to pay off.


Let me set the stage for my answers and clarify some core concepts that need to be understood in this context. Firstly, there are legal issues; According to the so-called “reasonable man” principle there are some duties on a driver when faced with this situation (a vehicle on your side of the road).


Be that as it may, the challenge is (more often and not) proving your innocence in court and defending your actions. There are circumstances under which improper investigation at the scene and a lack of knowledge for some critical syndromes at play can expose you to risk of prosecution or even a guilty verdict.


Let’s just explore this “the other car is on my side” scenario:


Imagine driving down the road (perhaps at night), on a 2-lane stretch. You see a vehicle approaching and become aware that this vehicle is actually on your side of the road or drifting over towards you side, predicting a head-on collision.


Now you have some options to consider. You could:


a)     Stop dead in the road (and risk still being run into).


b)     Move over or swerve to the left (away from the approaching threat) but what if the other car keeps moving over and “follows you” until a collision occurs?


There is a third option and you will be surprised at how many people choose this option: You can argue that – since this approaching vehicle is in your lane – you would be best served to move (or swerve) over into his (the wrong) lane so that you can both pass each other “on the wrong side” but at least prevent a collision.


The problem is when that other vehicle notices at the last minute (wakes up, looks up or responds top your movement) and then tries to “fix the problem” by swerving back to its own lane. Then you collide head-on with that other vehicle, on ITS side of the road!


This is called Faked Right Syndrome (Originally Faked Left Syndrome, in the USA) and places you in a very serious predicament: You would need to PROVE that you were acting in self-preservation and not illegally travelling on the “Wrong” side of the road, in the face of approaching traffic.


How will you prove this? Quite frankly, it is rather complex and would require proper forensic analysis with a specific interest in PDOF (Principle Direction of Force), Crush (damage depth) analysis, Departure Angles, Occupant Kinematics and Vehicle Dynamics (rotation, etc). It is possible, but it can only be done if very detailed at-scene investigation and measurements are done properly.


But this article is about advice on how to prevent it – not analyse it. So we return to the questions received from Ms. Liebenberg. She writes:


Watching vehicles overtake in places they should not made me think about the following:


  1. If I’;m in my lane and faced a vehicle head-on –

1a. which way would I swerve?


1b. which way would the other vehicle swerve?


In terms of law, you are required to do at least the following things:


a)     Flash your headlights to alert the other driver.


b)     Blow your car horn (hooter) to alert the other driver.


c)     Apply brakes and slow down or stop to prevent a collision.


d)     Move over to the left to prevent a collision.


Realistically, however, few people would be in a position to do all this at once (don’t get me started on driver training standards!) and there are cases where these options are not all available.


Flashing your headlights might be useless if an approaching driver has fallen asleep or is unconscious due to a medical emergency. But this is one thing that you can do without too much effort. Flashing your lights can typically not “go wrong” too badly.


Blowing your car horn is only effective if the other driver is conscious or has windows open (in cases where vehicles are loud, like trucks). But again – this is easy enough and cannot really go “wrong” or conspire against your desired outcome.


When it comes to applying brakes, our analysis of these kinds of collisions often prove to be the last resort. This is where driver attitude starts introducing a component of psychology that requires a lot of work to improve.


In our experience, on roads in South Africa, people tend to react less defensively when they believe they are “right.” We have actually attended and investigated crash scenes where vehicles collided head-on with more than 2 vehicle widths’ worth of space the driver “that is right” could have used to move over and prevent the collision.


We call this passive aggressive vigilantism. People tend to believe that they will “do what everyone else does” and “refuse to submit to someone who is wrong.” This is the passive aggressive component. People tend to have the “well, then I will just stay right here and do nothing” approach. Then they use this and extend their “argument” to include an additional component: “I will teach you a lesson.” Road users tend to take the law into their own hands (doling out punishment) by opting not to be “intimidated into submission.” We have personally seen this result in multiple fatalities in numerous cases we investigated.


So the next piece of advice we can give is: “There are no living heroes.” Essentially, road users need to understand that being right is no guarantee of immortality. You die when you are injured badly enough, whether you are right or wrong.


There is no moral in survival – you should do whatever it takes to survive – and this includes braking (and being the loser of the game of chicken). So people need to learn to be willing to “accept defeat” and to survive with that title rather than “dying while being right.”


A message on your tomb-stone that reads “Here lies John. He never backed off from a fight. He proved this. Once.” will not be nearly as much fun as seeing your loved ones and family for another day. Period.


Swerving or moving over is also an action you can take (notwithstanding Faked Right Syndrome). If you move over to the point of no return, but fail to slow down or stop at the same time, you might be the very source of adequate energy to cause a fatality. The less SPEED you have, in relation to the other vehicle, the greater your chance (and theirs) of recovery. So slowing down and moving over remains the best and only option, really.


But there are cases where moving to the left is simply not possible.


One example is where there is a cliff to your left and where moving or swerving to the left would expose you to falling over the edge. It might also not be possible if there is a wall or embankment on your left and where there is no shoulder.


In these cases, moving over to the “wrong” side might be your only option. Our advice would be to rather fit an in-vehicle video recording device in your vehicle (they are now freely available and a wide range of models and features are included in options). This way – if this (Faked Right Syndrome) ever happens to you, evidence would be available to clear your name and justify your actions.


We live in a complex world and crash cases are enjoying more court time and prosecutor skill now than ever before. More and more crash cases are relying on expert testimony. You’d be best served to ensure that you take steps to have evidence available.


Miss Liebenberg further asks:


2.     If I’;m the overtaking vehicle –


2a. Do I swerve?


2b. Do I stay in the lane and move closer to the vehicle I’;m overtaking?


In short – if you are the overtaking vehicle and you have been caught by surprise (there are places in the country where broken barrier lines are installed in locations where it is actually not safe to overtake) – you should brake as hard as is safe to do so and return to your lane as quickly as possible. But there are additional elements here as well:


Firstly, you should never overtake in a way that does not enable you to see far enough ahead (with your own eyes – inconsiderate of whether you are “allowed to” or not). Get to know your vehicle and its performance characteristics and consider you limitations (your eyes might perform less effectively at night). Let good sense be your guide: If you cannot see it, you cannot plan for it, so assume there IS a vehicle approaching at all times and act accordingly – whether you can “see its lights” or not.


But then we also need to address the issue of the vehicle being overtaken. WE have seen – too many times – how one vehicle overtakes another and makes an error in judgement, facing an approaching vehicle, then the vehicle to the left (being overtaken) does not actively contribute to the risk mitigation strategies of the overtaking driver. If you are being overtaken and you see an approaching vehicle, immediately move over to your left (safely, of course) and allow the overtaking vehicle the space and opportunity to return to your lane safely. Apply brakes and fall back if needed. This simple act of due consideration could save a life. Or many.


Miss Liebenberg adds:


Another problem are drivers that “KNOW THE ROAD” as they travel it most days (eg George/Oudtshoorn) – but then the saying of “familiarity breeds contempt” is true and other drivers slowing down on a section of road UNFAMILIAR to them get labelled as slow/bad drivers.


In response to this, we should also look at road design and signage. If roads are poorly marked, ineffectively regulated (no signs and warnings) or poorly maintained, unfamiliar drivers will be forced to employ risk homeostatic strategies. They’ll have to do something to reduce their (perceived or real) risks.


When you then combine this with familiar drivers (moving faster) you get stuck with something called Traffic Friction. Traffic Friction is the effect on the combined global speed of movement on traffic as the result of the interference caused when slower and faster drivers use the same section of road.


The outcome is that slower (perhaps intimidated) drivers start slowing down even more for fear of getting “run over” by the other “maniacs” on the road. The faster drivers, in turn, get frustrated by the slower drivers and start “queuing up” behind them. If some drivers are then more confident or aggressive than others you start seeing some being willing to overtake several or tens of slower vehicles, increasing risk beyond reasonable levels.


If you also consider slower drivers due to their involvement with their cell phones, smoking cigarettes, putting on make-up or engaging in other distracting acts, you have a recipe for disaster yet again. Other drivers now become frustrated, aggression levels increase and the propensity for taking risk increases enormously. But the original concerns or root cause was the “slower driver” and not the “speed demon.”


Finally, there seems to be a general lack of awareness for the simple “Keep Left, Pass Right” rule. When slower drivers choose the “fast lane” and faster drivers get frustrated and start “swerving in front of other road users” to “teach them a lesson,” we have yet another recipe for disaster.


The best advice we can give would include planning (giving yourself enough time to travel), sound judgement (become familiar with your vehicle and know its capabilities and limits), obey the law (Keep Left, Pass Right), adhere to speed limits (60Km/h in a 120Km/h zone is as dangerous as driving at 160 Km/h in a 60 Km/h zone) and be courteous. The road does not, in fact, belong to you alone.


If you consider yourself a visitor to our roads, as is everyone else and allow yourself to “allow others to use the road,” you would immediately find yourself slowing down, relaxing and just “letting traffic be…” Stay calm, keep smiling and remember that most other road users do not actually know you in person.


If you can follow these simple steps you can enhance your well-being, enjoy travel more and stay with us just a while longer.


Stan Bezuidenhout
Forensic Collision Homicide Reconstructionist


Also view:


Safely Overtaking and Road Safety


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Who should swerve and to where to avoid the head-on crash in the same lane?

19 Eylül 2014 Cuma

Idaho Car Crash Brought on by Burned Armpit Hair?






A SUV complete of teenagers crashed in Idaho after one of the passengers lit the driver’s armpit hair on fire with a lighter, authorities mentioned Wednesday.


All 5 young individuals in the Ford Bronco have been hurt in the crash Sunday and received health-related treatment, the Ada County Sheriff’s Workplace stated.


2 of the passengers, ages 15 and 16, were thrown from the vehicle, but none of the 5 suffered life-threatening injuries.



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The sheriff’s division stated the rollover occurred soon after a 16-year-old boy was goofing off in the front seat and lit 18-year-old Tristian Myers’ armpit hair on fire whilst Myers was driving. The crash happened at about 5:30 a.m. in southeast Boise.


Deputies cited Myers with inattentive driving, while the 16-year-old was cited for interfering with the driver’s safety. The passenger’s name wasn’t released. A 17-year old also was in the front seat but was not cited.


Deputies also mentioned none of the teens was wearing a seatbelt, and there was proof Myers was driving as well fast.


A court date will be scheduled later for Myers, who has no listed phone quantity. It was not immediately clear if he had an attorney.


Copyright 2014 Associated Press. All rights reserved. This material may possibly not be published, broadcast, rewritten or redistributed.








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Idaho Car Crash Brought on by Burned Armpit Hair?

17 Eylül 2014 Çarşamba

Police crack whip on crash for money




The police are cracking down on car insurance fraudsters who endanger road users by “crashing for cash”, with a quantity of high profile convictions over the final few weeks.



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Earlier this week, for instance, 2 men were jailed and 2 much more received suspended jail terms at Liverpool Crown Court.


And last month, 3 males from Reading had been put behind bars for targeting innocent motorists in the hope of causing unnecessary collisions as element of a crash for cash scam.


What’s going on?


Insurance fraud shot up by 18% in 2013, pushing the total to a record £1.3 billion, according to the Association of British Insurers (ABI).


Some of this fraud was committed by opportunistic people who just attempt to boost the value of a genuine claim by adding extra items to the list of possessions stolen or damaged in an incident, or who fake or exaggerate an injury, usually whiplash.


Organised insurance coverage fraud has an altogether darker side, even though – a single in which criminal gangs place innocent road users’ lives at threat by staging dangerous accidents to defraud insurers.


Recognized as “crash for cash”, it’s a trend that has grown at a worrying rate more than recent years.


Figures released by insurer Aviva earlier this year show that the quantity of crashes triggered deliberately so that these involved could make insurance claims for whiplash injuries shot up by 51% final year.


With motorists and pedestrians becoming place at risk, and “crash for cash” accidents causing the business far more than £10 million a year, it’s no surprise that both insurers and the government are keen to crack down on the perpetrators.


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How do “crash for crash” scams perform?


There are a quantity of diverse kinds of “crash for cash” fraud.


In 1 of the most common – and most unsafe – versions, fraudsters stage a automobile crash involving innocent drivers, for instance by slamming their brakes on at a road junction, often obtaining disabled the brake lights.


The unsuspecting motorist behind then crashes into the back of them, which means they can make a claim for the damage, as well as whiplash injuries – all on the other person’s insurance.


The Reading fraudsters sentenced last month had been involved in this sort of scam – they drove in a 2-car convoy in which the very first would make an erratic manoeuvre, causing the second auto to brake and an innocent road user to drive into the back of it.


The Merseyside men jailed this week, on the other hand, simply fabricated a vehicle crash made to assist them defraud insurer LV= out of much more than £500,000.


The total integrated claims for whiplash, replacement car hire and 2 written off automobiles – all from an accident that never took location.


What is being done to stop car insurance coverage fraud?


The Ministry of Justice is taking a quantity of actions to clamp down on car insurance coverage fraudsters, such as “crash for cash” gangs.


It is, for instance, introducing panels of independent health-related practitioners to diagnose whiplash victims, as well as banning lawyers and claim firms from offering incentives such as cost-free tablet computers to encourage people to make insurance claims.


From subsequent year, courts will also be in a position to refuse compensation at any level to men and women found to have exaggerated an insurance coverage claim.


The ABI has also launched the Insurance coverage Fraud Register (IFR) to combat the problem of dishonest Britons faking and exaggerating claims for their personal personal achieve.


The first market-wide database of identified insurance fraudsters, the IFR assists insurers to spot dodgy claims more easily.


Ever been the victim of a crash-for-money scam? Let us know in the box below…







Police crack whip on crash for money

2 Eylül 2014 Salı

What do you need to do if you crash into a stray animal?





5b67b Cattle warning sign


On the Arrive Alive website we find several warnings on how to avoid colliding into animals. It is not only the small road kill we need to avoid, but also much larger antelope such as kudu. In some cases these animals belong to no one, are not fenced in and there is little we can do if we collide into antelope running wild. Where there is however control over these animals, where they need to be fenced in and negligence can be proven there are however some guidelines and case law from a legal perspective.


Many road crashes occur in rural areas where fences have broken down, have been stolen or where negligence from farm owners or workers have left gates open, leaving the unsuspecting motorists to deal with cattle, sheep, goats and other animals next to and on our roads!


What are the legal consequences of such negligence and what does the victim of the road crash have to do to claim for the damages caused?


We would like to share some interesting insights from the lawyers:


“Motorists on our South African roads are exposed on a daily basis to the very real risk of colliding with an animal. Road signs on our roads warn motorists against anything from penguins to hippos, cattle to porcupines, all which might be found crossing a road somewhere in the country.


Since this could happen to any of us, it’s good to know that there is in fact a legal duty on land owners towards road users to prevent livestock from straying on to the road, either by erecting and maintaining proper fencing and/or to keep any gates giving access to the road closed and locked.


But when a collision with an animal happens the owner of the damaged vehicle needs to do more than just prove that he/she collided with an animal belonging to someone else, or that the animal was the responsibility of another person to keep off the road. The owner of the damaged vehicle also needs to prove negligence on the part of the owner or person in control of the animal and who exercises control over the fence.


Simply put it’s not enough just to claim that the animal was in the road and therefore the owner of the animal was negligent. In addition, the owner of the damaged vehicle needs to prove negligence, such as the farmer leaving the gate open or failing to erect and maintain an adequate fence around the property on which the livestock is kept, that led to the animal being in the road.


So the next time a bull ends up on your bonnet, make sure that you gather as much possible evidence that can show negligence on the part of the owner of the animal, either by taking photographs of the open gate/broken fence etc. or getting the police to specifically note this in the accident report.


When the animal in question is a “wild” animal instead of livestock, and is kept by a game rancher with game fencing, the same test of negligence will apply. However, where wild animals are not fenced in, they have no owner and the owner of the damaged vehicle will have no one to claim from.


The following checklist can assist you in the unfortunate event of a collision with an animal:


  • If necessary, first get medical attention for yourself and your passengers.

  • Warn approaching traffic of the obstruction in the road.

  • Notify the SAPS and local authorities.

  • Make notes of any identifying features on the animal, such as ear-tags, branding etc. (to prove ownership of the animal).

  • Identify and photograph any broken/neglected fences or open gates, and point them out to the police officials at the scene and make sure that they are noted in the accident report.

  • Submit this information to your insurer and/or contact your attorney for legal advice as to claiming for damages suffered.”

[Information with recognition to Phatshoane Henny Associated Firms]


Also view:


Avoiding animals on the road


2bd7f 4 Cattle





What do you need to do if you crash into a stray animal?

What do you need to do if you crash into a stray animal?





d5653 Cattle warning sign


On the Arrive Alive website we find several warnings on how to avoid colliding into animals. It is not only the small road kill we need to avoid, but also much larger antelope such as kudu. In some cases these animals belong to no one, are not fenced in and there is little we can do if we collide into antelope running wild. Where there is however control over these animals, where they need to be fenced in and negligence can be proven there are however some guidelines and case law from a legal perspective.


Many road crashes occur in rural areas where fences have broken down, have been stolen or where negligence from farm owners or workers have left gates open, leaving the unsuspecting motorists to deal with cattle, sheep, goats and other animals next to and on our roads!


What are the legal consequences of such negligence and what does the victim of the road crash have to do to claim for the damages caused?


We would like to share some interesting insights from the lawyers:


“Motorists on our South African roads are exposed on a daily basis to the very real risk of colliding with an animal. Road signs on our roads warn motorists against anything from penguins to hippos, cattle to porcupines, all which might be found crossing a road somewhere in the country.


Since this could happen to any of us, it’s good to know that there is in fact a legal duty on land owners towards road users to prevent livestock from straying on to the road, either by erecting and maintaining proper fencing and/or to keep any gates giving access to the road closed and locked.


But when a collision with an animal happens the owner of the damaged vehicle needs to do more than just prove that he/she collided with an animal belonging to someone else, or that the animal was the responsibility of another person to keep off the road. The owner of the damaged vehicle also needs to prove negligence on the part of the owner or person in control of the animal and who exercises control over the fence.


Simply put it’s not enough just to claim that the animal was in the road and therefore the owner of the animal was negligent. In addition, the owner of the damaged vehicle needs to prove negligence, such as the farmer leaving the gate open or failing to erect and maintain an adequate fence around the property on which the livestock is kept, that led to the animal being in the road.


So the next time a bull ends up on your bonnet, make sure that you gather as much possible evidence that can show negligence on the part of the owner of the animal, either by taking photographs of the open gate/broken fence etc. or getting the police to specifically note this in the accident report.


When the animal in question is a “wild” animal instead of livestock, and is kept by a game rancher with game fencing, the same test of negligence will apply. However, where wild animals are not fenced in, they have no owner and the owner of the damaged vehicle will have no one to claim from.


The following checklist can assist you in the unfortunate event of a collision with an animal:


  • If necessary, first get medical attention for yourself and your passengers.

  • Warn approaching traffic of the obstruction in the road.

  • Notify the SAPS and local authorities.

  • Make notes of any identifying features on the animal, such as ear-tags, branding etc. (to prove ownership of the animal).

  • Identify and photograph any broken/neglected fences or open gates, and point them out to the police officials at the scene and make sure that they are noted in the accident report.

  • Submit this information to your insurer and/or contact your attorney for legal advice as to claiming for damages suffered.”

[Information with recognition to Phatshoane Henny Associated Firms]


Also view:


Avoiding animals on the road


6ecaa 4 Cattle





What do you need to do if you crash into a stray animal?

1 Eylül 2014 Pazartesi

Which professions make most vehicle crash claims?




Surgeons are most probably to make ‘at-fault’ claims on their auto insurance coverage, according to our evaluation of a lot more than 11 million automobile cover quotes.


Here at MoneySuperMarket, we’ve been looking at which professions are most and least likely to make ‘at fault’ claims on their car insurance coverage. This is an accident or loss exactly where a person is considered to be to blame, or where the charges can’t be recovered from someone else.


The findings are fascinating.


Nine of the 10 ‘most likely to make an at-fault claim’ professions have been in the healthcare sector, whereas clerical workers appeared to be the safest drivers, recording the fewest at-fault claims per 1,000 drivers.


Take a appear at the leading 10 most and least most likely professions for yourself…



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As you can see, surgeons are about 100 instances far more most likely to make at-fault claims than constructing society clerks, according to our findings. But MoneySuperMarket car insurance professional Kevin Pratt has an concept why.


Kevin said: “It is truly intriguing to see how much 1 business dominates the prime 10 claims table – it seems these who have the duty of saving our lives and caring for our health are the most accident prone drivers. There is no doubt that surgeons, GPs and overall health visitors are all stressful jobs, so lack of time or tiredness could imply that these drivers are more likely to make an ‘at fault’ claim.


“Being involved in an accident, no matter how minor, no matter whether you are at fault or not, can be a traumatic and pricey expertise. Our investigation shows the typical claim worth for an ‘at fault’ accident is practically £3,000 and claiming for either ‘not at fault’ or ‘at fault’ accidents will drive up annual premiums, typically adding about £33 on average.


“We urge drivers of all professions to take care on the roads – to avoid creating claims, and risk the safety of themselves and drivers about them.”


Shop about at renewal


If you’ve had to make a claim on your insurance coverage, it tends to make it even much more crucial to shop about for the best deal on your cover at renewal.


Insurers all have diverse approaches of pricing primarily based on risk and some may possibly be more lenient than others, especially to win your enterprise. With so a lot choice accessible it pays to spend a modest amount of time comparing insurance quotes and receiving the very best deal for your changed situations.


The information is taken from 1.9million claims, recorded in the disclosed 5-year history of each and every driver, from 11 million quotes run on our automobile insurance coverage comparison tool between April final year and March this year, and makes use of the standardised list of professions employed by all insurers.







Which professions make most vehicle crash claims?

29 Ağustos 2014 Cuma

Philadelphia Insurance coverage Vindicated in YouTube Bugatti Crash Case





Philadelphia Insurance Companies said it is been vindicated in its investigation and denial of a fraudulent claim filed by an East Texas motorist for the 2009 crash of his Bugatti Veryon, following his guilty plea this week in the case United States of America v. Andy Lee House.


The Bala Cynwyd, Pennsylvania-based insurer mentioned it had committed in depth resources more than the previous 4 years to fight the $ 2.2 million fraudulent claim filed by Andy Lee House of Lufkin, Texas, for the intentional destruction of the luxury sport auto.


The 2009 crash, which was captured on video by a passing motorist and viewed more than 5 million instances on YouTube, drew national consideration. Philadelphia Insurance mentioned its claims investigators had suspected fraud from the beginning and steadfastly denied the claim.


Authorities said House initially claimed that he was reaching for his cell telephone when the vehicle swerved into water close to Galveston, Texas. The salt water flooded the engine, ruining the Bugatti.


Philadelphia Insurance coverage stated it commenced its investigation, secured witness statements, and received an anonymous get in touch with relating to the scheme created by Property to destroy the car in exchange for the insurance coverage proceeds.


In lieu of settling the claim, Philadelphia Insurance coverage filed suit in 2010 in the U.S. District Court for the Southern District of Texas looking for to not only rescind the insurance policy issued to Property, but also sought damages for breach of the insurance coverage contract and fraud.


The insurer mentioned the FBI in the end got involved and filed a federal lawsuit against House, resulting in his guilty plea on August 26 to wire fraud. Property faces up to 20 years in federal prison and the U.S. Lawyer in the case has recommended that he pay restitution to Philadelphia Insurance coverage.


“We owe a wonderful deal of thanks to the witnesses who provided video and statements, which permitted the truth to come to light, as nicely as to federal and neighborhood enforcement for their investigations,” stated Bill Benecke, executive vice president and chief claims officer at Philadelphia Insurance coverage.


“Fraudulent claims adversely impact all of our clients and it is our fiduciary duty as an insurance coverage carrier to safeguard our policyholders,” Benecke mentioned.


Supply: Philadelphia Insurance Businesses




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Philadelphia Insurance coverage Vindicated in YouTube Bugatti Crash Case

Philadelphia Insurance Vindicated in YouTube Bugatti Crash Case





Philadelphia Insurance Businesses said it is been vindicated in its investigation and denial of a fraudulent claim filed by an East Texas motorist for the 2009 crash of his Bugatti Veryon, following his guilty plea this week in the case United States of America v. Andy Lee Home.


The Bala Cynwyd, Pennsylvania-based insurer stated it had committed in depth resources more than the past 4 years to fight the $ 2.2 million fraudulent claim filed by Andy Lee Residence of Lufkin, Texas, for the intentional destruction of the luxury sport vehicle.


The 2009 crash, which was captured on video by a passing motorist and viewed much more than 5 million instances on YouTube, drew national attention. Philadelphia Insurance coverage stated its claims investigators had suspected fraud from the beginning and steadfastly denied the claim.


Authorities stated Property initially claimed that he was reaching for his cell telephone when the auto swerved into water close to Galveston, Texas. The salt water flooded the engine, ruining the Bugatti.


Philadelphia Insurance coverage stated it commenced its investigation, secured witness statements, and received an anonymous get in touch with relating to the scheme developed by Residence to destroy the automobile in exchange for the insurance coverage proceeds.


In lieu of settling the claim, Philadelphia Insurance coverage filed suit in 2010 in the U.S. District Court for the Southern District of Texas searching for to not only rescind the insurance coverage policy issued to Residence, but also sought damages for breach of the insurance coverage contract and fraud.


The insurer mentioned the FBI ultimately got involved and filed a federal lawsuit against House, resulting in his guilty plea on August 26 to wire fraud. Residence faces up to 20 years in federal prison and the U.S. Attorney in the case has recommended that he pay restitution to Philadelphia Insurance coverage.


“We owe a excellent deal of thanks to the witnesses who supplied video and statements, which allowed the truth to come to light, as nicely as to federal and nearby enforcement for their investigations,” said Bill Benecke, executive vice president and chief claims officer at Philadelphia Insurance.


“Fraudulent claims adversely effect all of our customers and it is our fiduciary responsibility as an insurance coverage carrier to defend our policyholders,” Benecke mentioned.


Source: Philadelphia Insurance coverage Organizations




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Philadelphia Insurance Vindicated in YouTube Bugatti Crash Case

15 Ağustos 2014 Cuma

Louisiana State Police Now Promoting Crash Photographs On the internet






The Louisiana State Police (LSP) announced it is now attainable to order crash photographs on the internet at www.lsp.org.


To order, the driver’s or pedestrian’s initial and final name, parish of the crash, and date of the crash should be supplied. Fatality photographs will not be available online.


Photographs could nevertheless be bought by mail or by phone by means of the LSP Photo Lab (part of the LSP Crime Lab) for these deciding on not to use the new program. The price for every photograph is $ 10 and photographs will be maintained on the LSP database for 5 years.


The LSP said the purpose of the new system is to boost accessibility to crash photographs for the public and to streamline the getting approach.


Supply: LSP








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Louisiana State Police Now Promoting Crash Photographs On the internet

2 Ağustos 2014 Cumartesi

Mich. Crash Case Raises Queries about Insurance on Scooters




What You Require to Know:


  • A man is in search of rewards from insurers in Michigan for injuries sustained when a automobile hit him in his motorized scooter.

  • The insurers are refusing payment and say that the man’s motorized scooter was a motor vehicle, and should have been insured like a personal automobile.

  • Lawyers told On the internet Auto Insurance News (OAIN) that, if insurers win on their argument, users of motorized scooters and wheelchair could be necessary to acquire vehicle insurance coverage.


People in Michigan who use scooters and motorized wheelchairs could be necessary to get auto insurance coverage if courts rule in favor of the insurer in an ongoing case.


The court case could have implications for thousands of users of scooters and motorized wheelchairs in the state, attorney Harold Perakis told the Macomb Day-to-day this month. Perakis represents George Veness, a 63-year-old man who was riding his scooter when struck by an at-fault auto in 2012.


The Legal Argument


At the center of this court case is a fundamental question about automobile insurance coverage: what constitutes a automobile? Other cases around the U.S. have raised concerns of regardless of whether or not other modes of transport—like motorized scooters and wheelchairs and modified golf carts—require typical car insurance coverage and if rewards of that common coverage apply when they crash.


Associated Story: Fla. Court: Insurer Should Cover Injuries in Modified Golf-Cart Crash

In the Michigan case, Veness is in search of compensation for about $ 2 million in health-related bills, including remedy for neck and back injuries and in-house care.


According to the Every day, State Farm and Farm Bureau of Michigan reduce off injury advantages for Veness, arguing in court that his scooter is a vehicle and, beneath that classification, should be covered as such with Michigan auto insurance coverage.


According to the Everyday, State Farm lawyer Timothy Groustra said in a legal short that Veness’ “failure to receive PIP (personal insurance protection) on his scooter indicates that (state law) bars him from recovering PIP benefits from State Farm.”


On the other hand, Veness’ attorney responded with a legal filing citing state law that “does not and has never recognized that an electrically-operated wheelchair is a ‘motor automobile.’” According to the Every day, Perakis also stated that Michigan law’s definition of a motor automobile “does not include an electric individual assistive mobility device.”


Attorney: Case Has Wide Implications


Steve Gursten, a lawyer at Michigan Auto Law, spoke with OAIN right after blogging about the case.


A court ruling in favor of State Farm and Farm Bureau would mean that “motorized wheelchairs are the equivalent of cars and trucks for auto insurance coverage purposes,” Gursten said to OAIN. That categorization would imply customers of motorized wheelchairs are technically “uninsured drivers” who are denied each the positive aspects of coverage and particular rights in court when they are injured in crashes.


In effect, according to Gursten, those people “will be forced to go out and obtain Michigan No-Fault auto insurance for their motorized wheelchairs.”


“For these folks, many of whom are already on really tight budgets, this will be a substantial, monetary burden,” Gursten told OAIN.


Gursten also updated OAIN with the newest on the case in Macomb County Circuit Court. Both State Farm and Farm Bureau of Michigan submitted motions in which they contended that the case ought to be dismissed because Veness was owed no advantages. State Farm has given that withdrawn the motion.


The case is subsequent set for a “status conference” in September, according to Gurs8.


In an additional weblog post, Gursten stated his analysis identified no present merchandise or coverage alternatives for motorized wheelchairs at State Farm or Farm Bureau.







Mich. Crash Case Raises Queries about Insurance on Scooters

31 Temmuz 2014 Perşembe

Electric Cars a Mixed Bag in Very first Front-Corner Crash Tests




Final results were so-so for 2 tiny electric auto models that underwent their first-ever front-corner crash tests, according to a recent Insurance Institute for Highway Security (IIHS) report.


The plug-in hybrid Chevrolet Volt got an “acceptable” rating, and the EV Nissan Leaf got a “poor” rating in the “small overlap test,” which was made to be tougher than other crash tests carried out by the IIHS. The tiny overlap assesses frontal collisions in between a vehicle’s corner and objects like light poles.


The Volt and Leaf are the initial electric models tested by the modest overlap crash. Considering that its introduction in 2012, the test has stumped a handful of automobile models and types, especially smaller sized-sized vehicles.


Related Story: Most Minicars Flunk Frontal Crash Test

“Electric vehicles have a exclusive challenge in the little overlap test simply because of their heavy batteries,” Joe Nolan, senior vice president for vehicle research at IIHS, mentioned in a statement. “The Volt performed reasonably effectively, earning an acceptable rating, while the Leaf struggled.”


The Volt showed low danger of substantial injuries simply because the driver compartment “maintained reasonably effectively” in the crash test, according to the Institute.



def3f Chevy Volt courtesy of Kārlis Dambrāns 300x224


The Leaf, nonetheless, was a diverse story. In the crash test, the Institute said, many places of the automobile have been “pushed back” into the driver compartment that could outcome in injuries to the driver’s left leg.


The Volt model, which has the choice of a forward-collision warning technique, was the only 1 of the group to get a 2014 Top Safety Choose+ award.


The 2 electric cars had been part of a crop of 12 small vehicle models recently tested by the Institute.


The Mini Cooper Countryman was the only vehicle model to get the Institute’s highest general rating of “good.” It was also a Best Safety Choose. Here is the listing of the automobile models that have been awarded Best Safety Picks:


  • Mini Cooper Countryman

  • Ford C-Max Hybrid

  • Mitsubishi Lancer

  • Scion FR-S

  • Subaru BRZ

Photo courtesy of Kārlis Dambrāns







Electric Cars a Mixed Bag in Very first Front-Corner Crash Tests

Mich. Crash Case Raises Inquiries about Insurance coverage on Scooters




What You Require to Know:


  • A man is looking for advantages from insurers in Michigan for injuries sustained when a auto hit him in his motorized scooter.

  • The insurers are refusing payment and say that the man’s motorized scooter was a motor automobile, and should have been insured like a individual car.

  • Lawyers told On the internet Auto Insurance News (OAIN) that, if insurers win on their argument, users of motorized scooters and wheelchair could be necessary to buy car insurance coverage.


Men and women in Michigan who use scooters and motorized wheelchairs could be necessary to get auto insurance coverage if courts rule in favor of the insurer in an ongoing case.


The court case could have implications for thousands of customers of scooters and motorized wheelchairs in the state, lawyer Harold Perakis told the Macomb Everyday this month. Perakis represents George Veness, a 63-year-old man who was riding his scooter when struck by an at-fault automobile in 2012.


The Legal Argument


At the center of this court case is a basic query about vehicle insurance coverage: what constitutes a automobile? Other circumstances around the U.S. have raised concerns of regardless of whether or not other modes of transport—like motorized scooters and wheelchairs and modified golf carts—require standard automobile insurance and if positive aspects of that typical coverage apply when they crash.


Related Hyperlink: Fla. Court: Insurer Should Cover Injuries in Modified Golf-Cart Crash

In the Michigan case, Veness is searching for compensation for about $ 2 million in health-related bills, like therapy for neck and back injuries and in-house care.


According to the Day-to-day, State Farm and Farm Bureau of Michigan cut off injury advantages for Veness, arguing in court that his scooter is a vehicle and, below that classification, must be covered as such with Michigan auto insurance.


According to the Daily, State Farm lawyer Timothy Groustra stated in a legal brief that Veness’ “failure to receive PIP (private insurance protection) on his scooter signifies that (state law) bars him from recovering PIP rewards from State Farm.”


On the other hand, Veness’ attorney responded with a legal filing citing state law that “does not and has never recognized that an electrically-operated wheelchair is a ‘motor vehicle.’” According to the Everyday, Perakis also said that Michigan law’s definition of a motor car “does not consist of an electric private assistive mobility device.”


Attorney: Case Has Wide Implications


Steve Gursten, a lawyer at Michigan Auto Law, spoke with OAIN following blogging about the case.


A court ruling in favor of State Farm and Farm Bureau would mean that “motorized wheelchairs are the equivalent of cars and trucks for auto insurance purposes,” Gursten stated to OAIN. That categorization would mean customers of motorized wheelchairs are technically “uninsured drivers” who are denied each the positive aspects of coverage and particular rights in court when they are injured in crashes.


In effect, according to Gursten, these men and women “will be forced to go out and buy Michigan No-Fault auto insurance coverage for their motorized wheelchairs.”


“For these folks, a lot of of whom are currently on quite tight budgets, this will be a substantial, financial burden,” Gursten told OAIN.


Gursten also updated OAIN with the newest on the case in Macomb County Circuit Court. Each State Farm and Farm Bureau of Michigan submitted motions in which they contended that the case should be dismissed since Veness was owed no rewards. State Farm has because withdrawn the motion.


The case is subsequent set for a “status conference” in September, according to Gurs8.


In yet another blog post, Gursten mentioned his research identified no existing products or coverage choices for motorized wheelchairs at State Farm or Farm Bureau.







Mich. Crash Case Raises Inquiries about Insurance coverage on Scooters

20 Temmuz 2014 Pazar

Study: Teen Driver Crash Risk Rises in Smaller sized Vehicles




What you need to have to know:


  • New research shows teens’ crash danger increases when they drive smaller sized cars.

  • Teenagers are more probably to have the least secure types of automobiles.

  • Giving teens utilised cars that lack advanced safety characteristics comprises their safety.

  • The IIHS recommends purchasing teens cars with Electronic Stability Manage and offers specific recommendations.


Crash claim prices for some teen drivers are more than double than the prices for older drivers, according to a new analysis from the Insurance Institute for Highway Security.


But there’s something else that compounds dangers for teen drivers: They’re also a lot more most likely to drive “the least secure sorts of autos,” stated the IIHS.


Teen Drivers Are Risky … and They Drive Risky Vehicles


According to IIHS study on drivers, 15- to 17-year-old drivers had the lowest collision claims prices when driving “very big SUVs.”


Meanwhile, the highest claims prices came from teens driving modest 2-door cars. That price that was virtually 3 occasions larger than the rate for quite massive SUVs.


The sorts of vehicles teenagers drive affects not only their claims rate but also their safety. The IIHS says newer, costly automobiles are safer for teens, but they frequently don’t get them.


According to the IIHS, surveys show that the average cost tag of cars for teens are much much less than what parents require to devote to get essential security characteristics.


“Unfortunately, it’s very tough to get a protected vehicle for a teenager at the rates most men and women are paying,” Anne McCartt, IIHS senior vice president for research, said in a statement, adding that parents should “remember the dangers teens take and take into account paying a little much more.”


The identical surveys discovered that much more than 4 out of each 5 parents stated they purchased a utilized car for their teenager.


IIHS Outlines Best Practices for Used-Car Purchasing


Along with its research, the Institute released recommendations for parents who are purchasing a vehicle for their teenage driver. The suggestions are “guided by 4 main principles”:


  • Make sure it has electronic stability control (ESC)
    IIHS referred to as the technology “a must” for teenagers because it helps drivers retain handle of their vehicles when they veer on “curves and slippery roads.” According to federal estimates in 2012, ESC technologies saved thousands of lives in a 2-year period.

  • Spend focus to security ratings
    A teen’s automobile should at least have leading ratings in frontal crash tests and acceptable ratings in side crash tests, along with high marks in federal crash tests.

  • Think about larger, heavier automobiles
    Such cars are safer and “protect far better in a crash,” according to the Institute.

  • Do not take into account high-efficiency cars with a lot of horsepower
    A fast engine can simply mean a fast teen driver. And that implies trouble.

According to the Institute, parents at times break far more than a single of those 4 recommendations, placing their teens at even greater danger.


Take for example, the “double-whammy” of little automobiles and minicars. “Not only are teens much more likely to crash them,” the Institute said. “[T]hey also don’t offer you a lot protection when a crash occurs due to the fact of their minimal weight and tiny crush zone.”


The IIHS also listed dozens of used automobiles, model years 2005 or later, that it recommends for teenage drivers at cost tags of below $ 20,000 and $ 10,000.


The Institute highlighted the 2005 Volvo XC90 as a “safety bargain.” Valued at about $ 7,000, the Volvo model is each the cheapest vehicle on the list and 1 of the handful of to get a best rating in the Institute’s latest frontal crash test.


Auto Insurance coverage Ideas to Fight the Higher Price of a Teen Driver



b2b44 distracted driver Copy


Teens—or rather, their parents—pay a higher cost for auto insurance. Teenage auto insurance is “always greater than for other drivers simply because as a group they pose a higher risk of accidents than much more experience drivers,” according to the Insurance coverage Data Institute (III).


Right here are some ideas from main automobile insurers that parents can use to mitigate the harm their teen will do to their auto insurance bills, such as widely obtainable discounts for excellent students and smartphone apps:


  • Progressive: “It’s normally less expensive to add your fresh-out-of-driver’s-ed teen to the loved ones plan versus acquiring him separate auto insurance coverage for teens.”

  • GEICO: “Good grades could add up to sizable savings.”

  • Esurance: The DriveSafe smartphone app is one of several from main insurers that sport the exact characteristics parents want to preserve their teen protected behind the wheel: text-disablers, and speed, braking and location trackers.






Study: Teen Driver Crash Risk Rises in Smaller sized Vehicles

19 Temmuz 2014 Cumartesi

Study: Teen Driver Crash Risk Rises in Smaller Vehicles




What you require to know:


  • New analysis shows teens’ crash danger increases when they drive smaller sized automobiles.

  • Teenagers are a lot more likely to have the least secure varieties of vehicles.

  • Giving teens employed cars that lack sophisticated safety attributes comprises their security.

  • The IIHS recommends buying teens automobiles with Electronic Stability Handle and offers specific recommendations.


Crash claim prices for some teen drivers are more than double than the prices for older drivers, according to a new analysis from the Insurance coverage Institute for Highway Safety.


But there’s something else that compounds dangers for teen drivers: They’re also much more likely to drive “the least secure kinds of automobiles,” stated the IIHS.


Teen Drivers Are Risky … and They Drive Risky Vehicles


According to IIHS analysis on drivers, 15- to 17-year-old drivers had the lowest collision claims rates when driving “very large SUVs.”


Meanwhile, the highest claims prices came from teens driving tiny 2-door autos. That price that was practically 3 occasions greater than the rate for really huge SUVs.


The kinds of automobiles teenagers drive impacts not only their claims price but also their security. The IIHS says newer, pricey vehicles are safer for teens, but they typically don’t get them.


According to the IIHS, surveys show that the average value tag of cars for teens are much less than what parents need to devote to get crucial safety features.


“Unfortunately, it’s extremely challenging to get a protected automobile for a teenager at the costs most men and women are paying,” Anne McCartt, IIHS senior vice president for research, stated in a statement, adding that parents need to “remember the dangers teens take and contemplate paying a small a lot more.”


The very same surveys discovered that more than 4 out of each 5 parents said they bought a employed car for their teenager.


IIHS Outlines Ideal Practices for Utilised-Car Acquiring


Along with its study, the Institute released recommendations for parents who are getting a automobile for their teenage driver. The recommendations are “guided by 4 major principles”:


  • Make positive it has electronic stability handle (ESC)
    IIHS named the technology “a must” for teenagers simply because it assists drivers retain control of their vehicles when they veer on “curves and slippery roads.” According to federal estimates in 2012, ESC technologies saved thousands of lives in a 2-year period.

  • Spend attention to safety ratings
    A teen’s automobile ought to at least have leading ratings in frontal crash tests and acceptable ratings in side crash tests, along with high marks in federal crash tests.

  • Consider bigger, heavier automobiles
    Such automobiles are safer and “protect better in a crash,” according to the Institute.

  • Don’t contemplate higher-overall performance automobiles with a lot of horsepower
    A rapidly engine can very easily mean a rapidly teen driver. And that signifies difficulty.

According to the Institute, parents at times break more than a single of those 4 suggestions, putting their teens at even greater threat.


Take for instance, the “double-whammy” of little cars and minicars. “Not only are teens far more most likely to crash them,” the Institute stated. “[T]hey also don’t offer you a lot protection when a crash happens since of their minimal weight and modest crush zone.”


The IIHS also listed dozens of used automobiles, model years 2005 or later, that it recommends for teenage drivers at value tags of under $ 20,000 and $ 10,000.


The Institute highlighted the 2005 Volvo XC90 as a “safety bargain.” Valued at about $ 7,000, the Volvo model is both the least expensive automobile on the list and a single of the few to get a best rating in the Institute’s latest frontal crash test.


Auto Insurance coverage Suggestions to Fight the High Price of a Teen Driver



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Teens—or rather, their parents—pay a higher price for auto insurance. Teenage auto insurance is “always greater than for other drivers due to the fact as a group they pose a greater danger of accidents than more knowledge drivers,” according to the Insurance coverage Info Institute (III).


Here are some tips from key auto insurers that parents can use to mitigate the damage their teen will do to their auto insurance coverage bills, which includes extensively available discounts for excellent students and smartphone apps:


  • Progressive: “It’s normally more affordable to add your fresh-out-of-driver’s-ed teen to the family members strategy versus acquiring him separate auto insurance coverage for teens.”

  • GEICO: “Good grades could add up to sizable savings.”

  • Esurance: The DriveSafe smartphone app is a single of numerous from significant insurers that sport the exact characteristics parents want to keep their teen safe behind the wheel: text-disablers, and speed, braking and location trackers.






Study: Teen Driver Crash Risk Rises in Smaller Vehicles