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Temporary Car Insurance Under 25-How To Protect Vehicle Occupants

Posted on 25 December 2010 by admin

How To Protect Vehicle Occupants

How To Protect Vehicle Occupants


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Home Page > Automotive > How To Protect Vehicle Occupants

How To Protect Vehicle Occupants

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Posted: Feb 15, 2007 |Comments: 0
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It’s not that Melissa dismissed the notion of fastening her seat belt. The thought just never entered her mind. She and her friends were eager to begin their picnic in the country, and there was more hurry than caution to her actions. At some point Melissa lost control of her car, and it rolled over several times.


The vibrant young high school cheerleader was thrown from the automobile and left paralyzed from the waist down. She knows she would have avoided her tragedy with a simple, three-second procedure. And that’s hardly a cheerful thought.


Based on National Safety Council statistics, lifetime odds are 1-in-2 that you will suffer a temporary or permanent disabling injury in a traffic crash, and about 1-in-100 that you will be killed. Surprisingly, the majority of crashes causing injury or death occur within 25 miles of home at speeds under 40 mph.


Superior engineering is making automobiles safer, but the ultimate responsibility for safety rests with the people behind the wheel.


Safety Belts Are Mandatory


* According to the National Safety Council, passenger car and light truck occupants who wear safety belts cut the risk of serious or fatal injury in collisions between 45 and 65 percent.


* Ejection from a vehicle is one of the most injurious events that can happen to a person in a crash. In fact, you are 25 times more likely to die when you are thrown from your vehicle. The safest place in a crash is inside your car. Buckle up!


* If buckled in, you won’t be:

-flung through the windshield,

-pitched into traffic, or against a telephone post or tree,

-thrown across rough, lacerating surfaces, or

-crushed by your own vehicle.


* For everyone’s protection, back-seat passengers should be buckled in. That way they won’t become dangerous projectiles in the automobile cabin in the event of a crash.


Oh, and for the skeptics in the crowd, please note: drowning or incineration accounts for less than one-tenth of 1 percent of deaths in automobile crashes. And it’s easier to escape if you’re conscious.


In Vehicles With Air Bags


Air bags are a supplement to safety belts and are not intended to be a substitute for them. According to the Insurance Institute for Highway Safety, the overall fatality-reducing effectiveness for air bags is about 14 percent over and above the benefits from using safety belts. In vehicles with air bags:


* All passengers should wear safety belts.


* Place rear-facing child safety seats in the back seat of vehicles with passenger-side air bags. A deploying air bag can cause serious and fatal head injuries to a child.


* Keep your hands away from the steering wheel hub that contains the air bag. An inflating air bag could break a hand or fingers.


* If you have a passenger side air bag, kids under age 13, or 5-feet-3 inches, should ride in the back seat.


* Sit as far back from the steering wheel as is comfortably possible. You should sit at least 10 inches away from the wheel.


* If you are short, try tilting the steering wheel down and raising the seat to achieve 10 inches and still drive comfortably. If this doesn’t work, pedal extenders should be considered. The further away you are, the more efficiently the bag will work.


Pregnant Women, Children And Pets


* Pregnant women should position the lap belt as low as they can under the abdominal bulge and let the shoulder strap rest across their chest. Wearing both belts will protect both the mother and the fetus. In cold weather, unbutton outer clothing so the belt won’t creep up.


* Do not hold a child on your lap in a moving automobile. In a crash, it could be crushed between the occupant and dashboard or windshield, or hit by a deploying air bag. The only safe place for a child is in an approved safety seat.


* To be sure the safety seat is correctly installed, go to a local organization that offers to check safety seat installation.


* Whenever possible, children should ride in the center of the back seat, properly restrained.


* If a child must ride in the front seat, make sure the seat is all the way back, the child stays belted, and sits back in the seat.


* When you drive with your pet, use a pet safety belt.

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John Myre is the author of the award-winning book, Live Safely in a Dangerous World, and the publisher of the Safety Times Reproducible Articles..

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Weekly Car Insurance-1 Week Car Insurance- Insure Your Vehicle for Short-term

Posted on 23 November 2010 by admin

1 Week Car Insurance- Insure Your Vehicle for Short-term

1 Week Car Insurance- Insure Your Vehicle for Short-term


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Home Page > Automotive > Cars > 1 Week Car Insurance- Insure Your Vehicle for Short-term

1 Week Car Insurance- Insure Your Vehicle for Short-term

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1 Week Car Insurance- Insure Your Vehicle for Short-term

By: Robert Linley

About the Author

Get more understanding on how you can obtain 1 week car insurance by visiting www.thetandtgroup.com. With in-depth tips and guidelines, you and your vehicle will be offered the protection needed at a low premium rate.

(ArticlesBase SC #1370816)

Article Source: http://www.articlesbase.com/1 Week Car Insurance- Insure Your Vehicle for Short-term





There are some things in life which are not negotiable and which have to be taken care of, if someone wants to be of the right side of the law. Take for instance, the issue of car insurance. If you thought that you can get by without car insurance, you are quite mistaken. There are indeed so many people who think so and they find out to their peril and loss that doing so is taking up cudgels against the law. This is one of the reasons that some people need insurance which is by the nature of one week car insurance. There are many situations when people do need temporary car insurance which is why one must consider all the various kinds of insurance required.

One week car insurance is typically short term car insurance which one might need to avail of under certain special conditions. For instance, this short term insurance is available for one to twenty eight days and people who need it for this short duration would take it. There may be people who may be traveling to a different location on work, and they may need to drive in the new location. It is not enough to assume that one can make use of the permanent car insurance that they have, at this location also. This is because one has to register for short term insurance when they need it for a shorter period of time. If they fail to do so, they are liable to be prosecuted for contravention of the law.

You can get one week car insurance from various online sources. A lot of people keep traveling on business and pleasure all the time, on account of which they need short terms insurance cover for that period of time. There are quite a few insurance companies that have these special and tailor made insurance policies that one can easily get details about and also avail quite easily. Given the vast choice that is easily available it is sure that one can look at the different policies and also make enquiries so as to ensure that they get the very best deal.

When it comes to one week car insurance, it would make sense to have a look at the fine print concerned with each policy type as this is so very important for what you get in terms of the policy, price and the service levels too.

Retrieved from “http://www.articlesbase.com/cars-articles/1-week-car-insurance-insure-your-vehicle-for-shortterm-1370816.html

(ArticlesBase SC #1370816)

Robert Linley -
About the Author:

Get more understanding on how you can obtain 1 week car insurance by visiting www.thetandtgroup.com. With in-depth tips and guidelines, you and your vehicle will be offered the protection needed at a low premium rate.

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24 Hour Car Insurance-State Farm Car Insurance Claims Lead to Better Vehicle Design

Posted on 06 September 2010 by admin

State Farm Car Insurance Claims Lead to Better Vehicle Design

Imagine that the company you work for started getting 17 calls per minute from customers with problems, and that the phone rang off the hook 24 hours a day, every day. You’d think something had gone terribly wrong.

For State Farm, that’s a typical day, as policyholders call to report claims at the rate of over 17 a minute. The nation’s largest auto insurer handles about 9 million claims a year, from stolen cars to fender-benders to total losses.

What’s an insurer to do with all those claims? State Farm makes good use of them. For one, the claims data help State Farm set the car insurance premiums for other drivers of those vehicles. For example, do you have a vehicle that’s a favorite of thieves? That’s reflected in your insurance bill. But State Farm also uses its wealth of claims data to encourage better and safer car design.

Remember when Ford Explorers with Firestone tires gained national attention in 2000 because of alarming numbers of rollovers? State Farm was the first to sound the alarm bell to the National Highway Traffic Safety Administration in 1998.

State Farm regularly communicates with auto makers on what it sees as potential vehicle improvements based on trends in customer claims. When the insurer sees a way a car could be better protected from theft, or a bumper that never survives a crash, or a car with high passenger injuries, it lets car manufacturers know.

“You try to work together and find a common ground,” explains State Farm spokesperson Kip Diggs. “Even if they don’t acknowledge that the idea came from you. It’s a satisfying gig.” And it’s a gig that stands to benefit all car buyers, not just State Farm customers, through safer vehicles and, ultimately, lower car insurance rates.

State Farm doesn’t charge auto makers for its recommendations, and doesn’t even expect a thanks. But for four men in State Farm’s Vehicle Research Facility in Bloomington, Ill., it’s their lives’ work.

State Farm not only examines past claims for problematic vehicles, but it also pulls those vehicles into its reseach facility and tears them down, looking for clues as to why those vehicles incur extra costs. They tear down 25 to 50 vehicles a year, most of them wrecked or damaged. For example, State Farm employees noticed a couple of years ago that the Chevrolet Cobalt, which shared a platform with the Saturn Ion, performed much better than the Ion in side-impact crashes. State Farm brought the two vehicles into its facility, took them apart, and discovered that Chevrolet had added side reinforcements in the Cobalt, increasing passenger safety.

Figuring out how to keep vehicles safer from theft is also significant work at the State Farm facility.
“If a professional wants your car, he’s going to get it,” says Diggs. “But if we can find ways to make a car frustrating to get into for a professional, and less atractive to thieves and joyriders, that’s worthwhile.”
Suggesting ways for auto makers to produce cars with lower repair costs is also a mission. When your damaged car goes into the body shop for repairs, “everything goes by time,” says Diggs. “Labor’s where the money is. A vehicle that can be repaired more quickly is a vehicle that’s going to be less expensive to insure. Even if you’re an Allstate or Nationwide customer, you get the benefit of that vehicle.”

“State Farm has an interest in seeing cars built to better standards,” says Diggs. “Some manufacturers listen, some don’t.”

Case in point: The Mustang

When Ford was designing its current-generation Mustang in the late ’90s, it asked State Farm to look at the design and give an opinion. Earlier Mustangs didn’t sport a great safety record and were high on theft lists. State Farm employees tore down the Mustang and made recommendations to Ford (free of charge).

Shortly after the new 2005 Mustang GT came out, State Farm got its hand on the first one that had been titled and wrecked,. (It had been purchased for a 16-year-old in Chicago.) State Farm employees wondered if any of their suggestions had made it into the design.

“We were pleased to see some suggestions made it in,” says Diggs, such as the way Ford had affixed panels and hard pieces to the car that makes it easier for the vehicle to be repaired.

Amy Danise is an editor for Insure.com. Visit Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.

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