May 30th, 2007
This is post two of two in a series explaining how the impact of new traffic cameras are influencing traffic safety and insurance rates.
Although many drivers feel that these cameras are more trouble than they’re worth, there is evidence that they truly are doing a bit of good. Studies have shown that the more dangerous side-impact collisions often seen at intersections have actually been reduced since fewer people are running red lights or stop signs. Not only have intersections with these cameras been affected, but studies seem to indicate that intersections throughout nearby areas have seen positive effects, even if they did not actually have cameras in that particular intersection. While many people have negative opinions about these cameras, they do seem to be having a positive influence on the way some people drive, which may keep them around for awhile.
If you have these cameras in your town, you may be wondering how getting ticketed via this medium will affect your car insurance rates. Well, on the bright side, in some locations these tickets are only considered civil penalties and usually will not actually have an affect on your car insurance rates; however, they should be a warning that you need to change some of your driving habits. Remember, having an accident, or getting a speeding ticket from an officer will actually raise your rates, so be sure that you take measures to drive safely and obey the law.
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May 29th, 2007
This is post one of two in a series explaining how the impact of new traffic cameras are influencing traffic safety and insurance rates.
With the emergence of red light and speeding cameras all over the nation, many people are feeling a bit like their privacy has been invaded. Many drivers have negative opinions about these cameras and feel like they’re merely a way for the government to make a bit more money. Whether you have a positive or negative opinion about the use of these traffic cameras, one thing is for sure, it’s one more reason to slow down and obey the law. Getting nailed by one of these new toys can not only hit your driving record pretty hard, it can also hit your pocket book via higher car insurance rates.
No longer are these special cameras seen only in the larger, metropolitan areas, they’re now being introduced in cities all across the nation, such as Akron, Ohio, Fairfax City, Virginia, and Scottsdale, Arizona. Many of the cities that have been implementing these new cameras feel like they’re proving to be very effective in encouraging drivers to take heed. In fact some cities have handed out thousands of tickets within a couple weeks as a result of these newly installed cameras.
These cameras actually work by not only taking a picture of the car that was in violation of the law, but they also take a close up picture of the license plate of the offending car as well. This allows them to find the driver’s personal information and mail you either a speeding ticket or a ticket for running a red light. Many people feel that the problem with these cameras is that there is no way to prove who was actually driving the car at the time, so you may receive a ticket, even if you were not the one driving your car. While in some states you can contest these tickets as to whether you were driving or not, other states still will hold you responsible regardless.
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March 23rd, 2007
This is post two of two in a series offering tips on how to avoid car collisons with animals.
You should also be especially cautious when driving on roads that are surrounded by trees, woodlands, or large fields. Animals tend to live in forest and field areas, and often may try to cross the road, especially when the tree line or field run right up to the roadside. Quite often, the brush or fields near the roadside are tall and make it very difficult to get a jump on an oncoming animal. Typically you won’t see them until the last second. You should be even more cautious in Autumn if you live in an area heavily populated with deer. The Fall season is not only the time when deer are breeding, but it is also hunting season, which results in a great deal of movement by these animals.
If you are driving and see a few animals off to the side of the road or nearby in a field, it would be wise to slow down. Seeing one animal is a good clue that there may be more nearby, so stay on guard. You should also remember that many times animals who are in the road may freeze when they see an oncoming car so don’t assume that they’ll move when they see you. You may have to come to a complete stop and honk your horn to shake them out of their stupor. Sometimes patience may be your best strategy when seeing a larger animal in the road. It may be better not to honk your horn as the sound might draw them to your vehicle rather than away from it. Quite often if you wait a little while, they’ll move off the road on their own.
All across the country, there are many great drivers who are dealing with increased car insurance rates due to an accident with an animal or because they live in a location where forest or field animals make their homes. Being alert and following these tips can help you prevent an accident and in-turn, keep your car insurance rates low as well.
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March 23rd, 2007
This is post one of two in a series offering tips on how to avoid car collisons with animals.
While being a great driver and following common driver’s safety tips can save you from a vehicle accident, often times it may be more difficult to avoid an accident with an animal. Whether you have an accident with another vehicle or an accident involving animals, more than likely your car insurance rates are going to increase. Accidents that involve cars hitting animals can actually be very dangerous, and they can do a great deal of damage to a vehicle, even resulting in serious or even fatal injuries to both the humans involved and the animals. Over 1.5 million car vs. animal collisions occur every year. While deer are the most common animal struck, others, such as elk, moose, livestock and bear can pose greater dangers. So it is important that you stay alert and do everything in your power to avoid having a collision with an animal.
First of all, it is essential that you are particularly aware during the hours at dusk, dawn, and of course whenever it’s dark. Most accidents with animals happen during these hours because it can be very difficult to see. Make sure that you have your headlights on and that your headlights are both working properly. If you’re in a rural area, don’t be afraid to use your high beams. Many times great headlights provide enough visibility to help you avoid having a collision with an animal. Also be very wary when driving through areas with low-lying fog.
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