BUCKS; Textos, insurance and driving

Last month, the National Transportation Safety Board called for a prohibition at the national level on the use of the cell phones and other "portable electronic devices" while he was driving.

"It is time for us to stand for security by turning off electronics when you drive all", President of the Council, Deborah A.P. Hersman, said in a statement.

It is uncertain whether the Council appeal will be heard, in view of the dependence of the public instant electronic communication, anytime and anywhere. But the proposal generated discussion. A provocative idea was issued by a man from Boulder, Colo. In a letter published in the Wall Street Journal, he suggested that insurance companies could restrict the distracted driving if they refuse to carry out accidents caused by a message. (Many States specifically prohibiting texts while driving, but varies under the Act).

Which sounded like an intriguing proposal for us here at the Bucks - which could be applied to all kinds of bad behavior at the wheel, including drunk driving.

The idea, however, seems to be a natural. Insurance companies and even a consumer advocate, make the point that coverage for injuries to yourself or others as a result of an accident - even one caused by a negligent act or just stupid - is one of the main reasons to buy insurance in the first place.

"An accident is an accident," said Mark Romano, an insurance specialist with the Federation of consumers in America. "And if you are bold enough to do things that you should not be able to, then your insurance is there to cover."

Dick Luedke, a State Farm spokesman, said in an e-mail that the insurer generally pays for accidents, even if the driver is drunk. "In a way, we met our promise, even when the person to whom the promise we contravene the Act, and we met our pledge to the person that texts while he was driving, if this person is breaking the law. »

"This is the point of insurance," Mr. Luedke, said telephone follow-up. He also noted that while the spotlight is currently on the use of the texts and cell phones, there are all sorts of other ways, drivers can become distracted, to discipline children in the back seat, eat meals or even fiddle with radio: "where to draw the line?" ".

There is also the problem of innocent parties who are injured. Say that you are to texts and not be attention, and you hit a pedestrian, who suffers large medical expenses. In General, your insurance would pay for the care of the victim, given that you caused the accident. It would be fair to say to the victim, "sorry, what is not covered? The driver has texts, so we do not cover you? "said Loretta Worters, vice President of the Insurance Information Institute, an industry group, in an e-mail. "We have an obligation to pay this claim, to protect this viewer, even if you were stupid. »

Of course, if the drivers several times in case of accident, if drinking and driving or texts or another reason, the insurer is likely to jack up premiums, or cancel their coverage.

Ms. Worters noted that the industry is taking steps to inform the public about the dangers of the texts while driving.

What do you think? Is there an argument for not covering the accidents caused by the texts or other bad behavior behind the wheel?

It is a more complete version of history than that which emerged.

PHOTO: Following an accident caused by texts while driving. (PHOTO TAKEN BY ROBERT COHEN/ST. LOUIS POST-DISPATCH BY ASSOCIATED PRESS)

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BUCKS; Cars that cost less to ensure

When shopping for insurance, it is not only your driving record determines your annual premium. The type of car you drive is also a factor of great - and some cars are much more expensive to ensure than the others.

A variety of factors can affect the quotation of car insurance, including the frequency of accidents for this model, the cost of repairs, the cost to insurers, when a vehicle is declared a total loss and the cost of claims for bodily injury, according to Insure.com Web site.

To give an idea of what you can pay for some a car, Insure.com produces each year lists of the 20 cars more expensive to provide and 20 less expensive models.

To generate lists of 2012, Insure.com used average rate information provided by Quadrant Information Services. The rates were calculated from data in 10 ZIP codes Allstate, farmers, GEICO, Nationwide, progressive and firm State by State. The rankings are based on the cover of a model 2012 with a pilot "representative" (a single, 40 years old male who commute 12 miles to work each day;) limits of $100,000 policy that responsibility for the injury for one person, $300,000 for all injuries and $50,000 damage to property in an accident; and a deductible of $500 on the collision and coverage complete. The pilot of the hypothetical has good credit and a clean driving record.

The cheaper model to ensure, in accordance with the analysis, is a minivan: Toyota Sienna, with an annual premium average of more than $1,100. The list includes also 19 other cars with premiums similar averages, all less than $1,200 a year. The least expensive list tends to include many minivans, which have proved to be "safe, economic" vehicles, according to Insure.com.

At the other end of the spectrum is the 2012 Audi R8 Spyder Quattro, a convertible two-seater that is the most expensive ensure, with a premium annual average of nearly $ 3,400. On the more expensive list are also many Mercedes, Porsche and BMW.

Insure.com also provides a calculator that allows you to obtain the average rates for 900 different cars.

The cost of insurance when you have selected your car?

It is a more complete version of history than that which emerged.

PHOTO: Insurance for a Toyota Sienna the van is on the low end. (PHOTO: TOYOTA)

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BUCKS; Carpooling and insurance

The small Emirate of the lined Kuwait of two neutral zones during most of the 20th century.

Debate request for public and private donations room how can stabilize cultural groups and mobilize more give.

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BUCKS; Texting, Driving and Insurance

AppId is over the quota
AppId is over the quota

Last month, the National Transportation Safety Board called for a nationwide ban on the use of cellphones and other ''portable electronic devices'' while driving.

''It is time for all of us to stand up for safety by turning off electronic devices when driving,'' the board's chairman, Deborah A.P. Hersman, said in a statement.

It's uncertain whether the board's call will be heeded, given the public's addiction to instant electronic communication, any time and anywhere. But the proposal has generated discussion. One provocative idea was floated by a man from Boulder, Colo. He suggested, in a letter published in The Wall Street Journal, that insurance companies could curtail distracted driving if they simply refused to pay claims for accidents caused by texting. (Many states specifically ban texting while driving, but enforcement varies.)

That sounded like an intriguing proposal to us here at Bucks - one that could be applied to all sorts of bad driving behavior, including drunken driving.

The idea, though, seems to be a nonstarter. Insurance companies, and even a consumer advocate, make the point that coverage for injuries to yourself or others as a result of an accident - even one caused by careless or just plain stupid behavior - is one of the main reasons to buy insurance in the first place.

''An accident is an accident,'' says Mark Romano, an insurance specialist with the Consumer Federation of America. ''And if you're reckless enough to do things you shouldn't be doing, then your insurance is there to cover you.''

Dick Luedke, a spokesman for State Farm, said in an e-mail that the insurer typically pays for accidents, even if the driver is intoxicated. ''Generally speaking, we fulfill our promise even when the person to whom we make the promise violates the law, and we fulfill our promise to the person who texts while driving, whether or not that person is violating the law.''

''That's the point of insurance,'' Mr. Luedke said, in a follow-up phone call. He also noted that while the spotlight currently is on texting and cellphone use, there are all sorts of other ways drivers can become distracted, whether by disciplining children in the back seat, eating lunch or even fiddling with the radio: ''Where do you draw the line?''

There's also the problem of innocent parties who are injured. Say you are texting and not paying attention, and you strike a pedestrian, who incurs big medical bills. Typically, your insurance would pay for the victim's care, since you caused the accident. Would it be fair to tell the victim, ''Sorry, that's not covered? The driver was texting so we can't cover you?'' said Loretta Worters, vice president of the Insurance Information Institute, an industry group, in an e-mail. ''We have an obligation to pay that claim, to protect that innocent bystander, even if you were stupid.''

Of course, if drivers repeatedly get in accidents, whether due to drunken driving or texting or another reason, the insurer is likely to jack up their premiums, or cancel their coverage.

Ms. Worters noted that the industry is taking steps to educate the public about the dangers of texting while driving.

What do you think? Is there an argument to be made for not covering accidents caused by texting or other bad driving behavior?

This is a more complete version of the story than the one that appeared in print.

PHOTO: The aftermath of an accident caused by texting while driving. (PHOTOGRAPH BY ROBERT COHEN/ST. LOUIS POST-DISPATCH, VIA ASSOCIATED PRESS)

View the original article here

BUCKS; Car Sharing And Insurance

AppId is over the quota
AppId is over the quota
Room for Debate asks: How can states address their concerns about illegal immigration without potentially clashing with federal law?

In watching the Anders Breivik trial in Norway, our task is to witness it and allow the weight of reality to break through.

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BUCKS; Cars That Cost Less to Insure

AppId is over the quota
AppId is over the quota

When shopping for car insurance, it's not just your driving record that determines your annual premium. The type of car you drive is also a big factor-and some cars are much more expensive to insure than others.

A variety of factors can affect a car's insurance quote, including the frequency of crashes for that model, the cost of repairs, the cost to insurers when a vehicle is declared a total loss and the cost of bodily injury claims, according to Web site Insure.com.

To give you an idea of what you might pay for a certain car, Insure.com annually produces lists of the 20 most expensive new cars to insure, and the 20 least expensive models.

To generate the 2012 lists, Insure.com used information on average rates provided by Quadrant Information Services. Rates were calculated using data from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm in ten ZIP codes per state. The rankings are based on coverage for a 2012 model with a ''representative'' driver (a single, 40-year-old male who commutes 12 miles to work each day); policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident; and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has good credit and a clean driving record.

The least expensive model to insure, according to the analysis, is a minivan: the Toyota Sienna LE, with an average annual premium of just over $1,100. The list also includes 19 other cars with similar average premiums, all less than $1,200 a year. The least-expensive list tends to include lots of minivans, which have proven to be ''safe, economical'' vehicles, according to Insure.com.

At the other end of the spectrum is the 2012 Audi R8 Spyder Quattro, a two-seat convertible that is the most costly to insure, with an average annual premium of nearly $3,400. Also on the most expensive list are plenty of Mercedes, Porsches and BMWs.

Insure.com also provides a calculator that lets you get average rates for 900 different cars.

Did you consider the cost of insurance when you selected your car?

This is a more complete version of the story than the one that appeared in print.

PHOTO: Insurance for a Toyota Sienna LE minivan is on the low end. (PHOTOGRAPH BY TOYOTA)

View the original article here

BUCKS; Car Sharing And Insurance

The remote server returned an unexpected response: (417) Expectation failed.
The remote server returned an unexpected response: (417) Expectation failed.
The government should focus its deportation of immigrants on “violent offenders,” not struggling parents.

Poor cartography almost derailed George McClellan’s 1862 campaign.

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BUCKS; Cars That Cost Less to Insure

The remote server returned an unexpected response: (417) Expectation failed.
The remote server returned an unexpected response: (417) Expectation failed.

When shopping for car insurance, it's not just your driving record that determines your annual premium. The type of car you drive is also a big factor-and some cars are much more expensive to insure than others.

A variety of factors can affect a car's insurance quote, including the frequency of crashes for that model, the cost of repairs, the cost to insurers when a vehicle is declared a total loss and the cost of bodily injury claims, according to Web site Insure.com.

To give you an idea of what you might pay for a certain car, Insure.com annually produces lists of the 20 most expensive new cars to insure, and the 20 least expensive models.

To generate the 2012 lists, Insure.com used information on average rates provided by Quadrant Information Services. Rates were calculated using data from Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm in ten ZIP codes per state. The rankings are based on coverage for a 2012 model with a ''representative'' driver (a single, 40-year-old male who commutes 12 miles to work each day); policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident; and a $500 deductible on collision and comprehensive coverage. The hypothetical driver has good credit and a clean driving record.

The least expensive model to insure, according to the analysis, is a minivan: the Toyota Sienna LE, with an average annual premium of just over $1,100. The list also includes 19 other cars with similar average premiums, all less than $1,200 a year. The least-expensive list tends to include lots of minivans, which have proven to be ''safe, economical'' vehicles, according to Insure.com.

At the other end of the spectrum is the 2012 Audi R8 Spyder Quattro, a two-seat convertible that is the most costly to insure, with an average annual premium of nearly $3,400. Also on the most expensive list are plenty of Mercedes, Porsches and BMWs.

Insure.com also provides a calculator that lets you get average rates for 900 different cars.

Did you consider the cost of insurance when you selected your car?

This is a more complete version of the story than the one that appeared in print.

PHOTO: Insurance for a Toyota Sienna LE minivan is on the low end. (PHOTOGRAPH BY TOYOTA)

View the original article here

BUCKS; Texting, Driving and Insurance

The remote server returned an unexpected response: (417) Expectation failed.
The remote server returned an unexpected response: (417) Expectation failed.

Last month, the National Transportation Safety Board called for a nationwide ban on the use of cellphones and other ''portable electronic devices'' while driving.

''It is time for all of us to stand up for safety by turning off electronic devices when driving,'' the board's chairman, Deborah A.P. Hersman, said in a statement.

It's uncertain whether the board's call will be heeded, given the public's addiction to instant electronic communication, any time and anywhere. But the proposal has generated discussion. One provocative idea was floated by a man from Boulder, Colo. He suggested, in a letter published in The Wall Street Journal, that insurance companies could curtail distracted driving if they simply refused to pay claims for accidents caused by texting. (Many states specifically ban texting while driving, but enforcement varies.)

That sounded like an intriguing proposal to us here at Bucks - one that could be applied to all sorts of bad driving behavior, including drunken driving.

The idea, though, seems to be a nonstarter. Insurance companies, and even a consumer advocate, make the point that coverage for injuries to yourself or others as a result of an accident - even one caused by careless or just plain stupid behavior - is one of the main reasons to buy insurance in the first place.

''An accident is an accident,'' says Mark Romano, an insurance specialist with the Consumer Federation of America. ''And if you're reckless enough to do things you shouldn't be doing, then your insurance is there to cover you.''

Dick Luedke, a spokesman for State Farm, said in an e-mail that the insurer typically pays for accidents, even if the driver is intoxicated. ''Generally speaking, we fulfill our promise even when the person to whom we make the promise violates the law, and we fulfill our promise to the person who texts while driving, whether or not that person is violating the law.''

''That's the point of insurance,'' Mr. Luedke said, in a follow-up phone call. He also noted that while the spotlight currently is on texting and cellphone use, there are all sorts of other ways drivers can become distracted, whether by disciplining children in the back seat, eating lunch or even fiddling with the radio: ''Where do you draw the line?''

There's also the problem of innocent parties who are injured. Say you are texting and not paying attention, and you strike a pedestrian, who incurs big medical bills. Typically, your insurance would pay for the victim's care, since you caused the accident. Would it be fair to tell the victim, ''Sorry, that's not covered? The driver was texting so we can't cover you?'' said Loretta Worters, vice president of the Insurance Information Institute, an industry group, in an e-mail. ''We have an obligation to pay that claim, to protect that innocent bystander, even if you were stupid.''

Of course, if drivers repeatedly get in accidents, whether due to drunken driving or texting or another reason, the insurer is likely to jack up their premiums, or cancel their coverage.

Ms. Worters noted that the industry is taking steps to educate the public about the dangers of texting while driving.

What do you think? Is there an argument to be made for not covering accidents caused by texting or other bad driving behavior?

This is a more complete version of the story than the one that appeared in print.

PHOTO: The aftermath of an accident caused by texting while driving. (PHOTOGRAPH BY ROBERT COHEN/ST. LOUIS POST-DISPATCH, VIA ASSOCIATED PRESS)

View the original article here