TUESDAY, AUGUST 12, 2014
Did you know that there are steps you can take to avoid a car accident?
- Before you start the engine, make sure the warning lights are off, such as the gas line, engine coolant, and engine light.
- Keep a watchful eye. Keep looking around you on both sides of the road. Constantly check your rear-view mirror.
- Check blind spots before you change lanes. Checking your blind spots before you move in the next land helps avoid side-swiping accidents.
- Be careful when you are driving side-by-side with another car for a few minutes. Pull ahead or behind to get out of the other driver's blind spot.
- Look both ways before you enter an intersection, even if you have a green light
- Watch for emergency vehicles and give the right-of-way. Sometimes emergency vehicles drive through red lights or against traffic.
- Use signal lights. When you use the signal light, you are warning others that you want to change lanes.
- Follow the laws. Most people have accidents because they didn't follow the laws. Speeding and drunk driving are the top two.
- Keep a safe distance. The safe distance depends on the speed.
- Plan your driving. You may want to chose a longer route, or one with less traffic, or is easier to drive.
- Keep your vehicle slower than the speed limits at turns or steep roads. You never know what is going to come from the other side.
- Don't let driving distractions make you a statistic.
Article source: Michigan Millers Mutual Insurance Company
- Cell phone use, texting
- Reaching for objects in the car
- Applying makeup
- Eating while driving
- Other passengers or pets in the vehicle
- Turning dials or entries on in-vehicle navigation systems
- "Sight seeing" out the window
Image courtesy of Naypong / FreeDigitalPhotos.net
THURSDAY, JUNE 6, 2013
If you’re a parent with teenagers you know that the prom is a special night for your teen, and while you want them to have a fun and memorable night with their friends, you also want to make sure they stay safe. If your teen is driving on prom night or riding with a friend who is driving, here are three things to discuss with your teen before the big night:
1) Driving under the influence. Automobile accidents are the leading cause of death among teens, with one third of those deaths being alcohol related, according to the organization Mothers Against Drunk Driving. Avoiding situations with alcohol and drug use is the best way to avoid driving under the influence or riding with someone who is under the influence. If necessary make arrangements to have a designated driver or call someone else for a ride. There are no consequences that are worse than injuring or killing yourself or others.
2) Distracted Driving. According to the FCC, distracted driving accounted for 16% of all fatal crashes in 2008 and 21% of accidents involving injuries. Distractions can include texting, talking on the phone and even scrolling through a playlist on an MP3 player. If your teen is going to be in a car on prom night, remind them that no text or phone call is worth injuring or killing themselves, their passengers and others on the road. If they need to call or text someone for directions or to let them know they’re on their way, tell them to pull into a parking lot or a safe area along the road with plenty of room between the vehicle and moving traffic.
3) Passenger Safety. Tell your teen that as a driver, they have a responsibility for the passengers in the vehicle. Make sure everyone has their seatbelts on before leaving and during all trips. A driver should make sure that passengers don’t lean out of windows, throw things from a moving vehicle or engage in other horseplay. Remind your teen to never transport more passengers than there are seatbelts- an overcrowded vehicle is not a safe vehicle.
If you’re a parent whose teenager is getting ready for the prom, talk us at Insurance Planning Service - your Trusted Choice® independent insurance agent - about how your insurance coverage works with your teen, and make sure your teen understands the rules you set for them. Call us at 800-220-5582 or contact us on the web today!
THURSDAY, MAY 30, 2013
The Michigan Catastrophic Claims Association (the MCCA) assessment to insurance companies will be $186.00 per insured vehicle effective July 1, 2013 to June 30, 2014. This is an increase of $11.00 per insured vehicle (a little more than 6%) over the previous year and will be reflected in the cost of auto insurance on policies with an effective or renewal date of July 1, 2013 and later.
The Michigan Catastrophic Claims Association (MCCA), a private non-profit unincorporated association, was created by the state Legislature in 1978. Michigan's unique auto insurance no-fault law provides unlimited lifetime coverage for medical expenses which result from auto accidents. The MCCA reimburses auto no-fault insurance companies for each Personal Injury Protection (PIP) medical claim paid in excess of a set amount. Currently that amount is $500,000. That means that the insurance company pays the entire claim, but is reimbursed by the MCCA for medical costs over $500,000.
A proposal is currently under consideration in the legislature to reduce auto insurance premiums by making significant changes to Michigan's no-fault law. The proposal includes a $1 million cap on medical expenses in lieu of the current unlimited lifetime medical coverage. Other components of the proposed reform to Michigan's no-fault auto insurance system include establishing:
- Cost controls for medical expenses that would prevent health care providers from collecting higher fees from auto insurance comanies than those paid by other health insurance carriers or workers compensation
- A state authority to fight auto insurance fraud
If passed, it is estimated that these changes will result in an annual premium savings of approximately $125.00 per insured vehicle.
Insurance Planning Service is an independent insurance agency offering a full range of insurance products – auto – home – business – life – health – to individuals, families and businesses throughout Michigan. Call us at 800-220-5582 or contact us today for a quote on your insurance!
SOURCES: www.michigancatastrophic.com, www.mimillers.com
FRIDAY, APRIL 6, 2012
Michigan lawmakers are making another attempt at repealing a state law that requires motorcyclists to wear helmets.
The state Senate recently gave final legislative approval to a repeal of the ban by a 24-14 vote late last month. The measure next goes to Republican Gov. Rick Snyder, and it’s not clear whether he will sign it. Snyder has said he only wants to tackle the helmet law in the context of broader auto insurance reform. But proposals for more sweeping reforms appear stalled in the Legislature.
What's at issue is the way the unlimited medical benefits in Michigan's No-Fault Insurance law work with regard to motorcyclists who are injured as a result of an accident involving a motor vehicle. At present, regardless of who is at fault, the injured cyclist's medical expenses are all paid by the Personal Injury Protection coverage in the motor vehicle's auto insurance policy. The concern with repealing the helmet law is that the incidents of permanent head or brain injuries have the potential to increase and cause auto insurance rates to rise unless the No-Fault law is changed. The proposed No-Fault reform included a provision that would limit the coverage for motorcyclists coming from the auto insurance of the car involved in the accident.
The pending helmet proposal would allow riders 21 or older to go without helmets if they meet certain insurance and experience conditions. The Legislature has passed bills to repeal the state’s mandatory motorcycle helmet law previously, but the bills were vetoed twice by then-Gov. Jennifer Granholm.
According to CBS News, State Senator Roger Kahn was among those opposed to the repeal.
“Helmets reduce the risk of death by 29 percent. They’re 67 percent effective in preventing brain injuries to motorcycle riders,” Kahn said.
Insurance Institute spokeswoman Lori Conarton told WWJ Newsradio 950 a repeal would result in additional 30 fatalities each year, adding that auto insurance costs for all Michigan residents are also expected to increase.
Conarton estimates allowing motorcyclists to go helmet-less will cost the state a collective $100 million more each year in additional medical claims.
At Insurance Planning Service we can help you solve your motorcycle insurance needs. Call us today at 800-220-5582 or use our online contact form.
Sources: Insurance Journal, CBS News