The 3 Most Common Car Insurance Scams You Should Guard Against

The 3 Most Common Car Insurance Scams You Should Guard Against

Everyone knows that driving has its risks, but most of us assume that everyone on the road is well-intentioned (if discourteous at times). Unfortunately, this isn’t always the case; there are a few drivers out there with far more nefarious plans. Here are three common accident-related scams, along with what you can do to protect yourself from them.[clear]  Car insurance Scams The Staged Accident: No one likes getting in a car accident, right? Actually, there are some scam artists who specialize in setting up car crashes so that they can collect money from your insurance company, not caring that you’ll pay the price in higher premiums. The most common is the forced rear ending, in which a driver will cut in front of you and slam on the brakes. In most areas, a rear-ending is automatically considered to be the second driver’s fault, so the only way to protect yourself from this scam is to avoid tailgating.Other versions of staged accident scams involve a driver waving you forward even if you don’t technically have the right of way, crashing into you and then telling police you ignored right-of-way laws. Trust your gut; if something feels off about a situation, simply insist that the other driver go first. If you do get into an accident you think was staged, try to ameliorate the situation by gathering as much information as you can on the other driver and documenting the scene in case you need to dispute their version of the events. You should also inform your insurance claims adjuster immediately. The Not-So-Good Samaritan: If you are in an accident, don’t...
Hours of Service and Preventing Truck Accidents

Hours of Service and Preventing Truck Accidents

Car accidents happen every day, and sometimes they are just that—accidents. But certain cases are more serious, involving driver negligence. When commercial vehicles like large trucks are involved, this negligence can be fatal.[clear] Understanding Hours of Service Though there are some laws to prevent all drivers from getting behind the wheel when they are incapacitated—such as drunk driving laws—commercial vehicle drivers are regulated more strictly, by what are called Hours of Service. These mandate how much time off is required compared to how much time is spent operating the vehicle, and are intended to reduce the number of crashes caused by fatigue. Truck driver log requirements ensure that these hours are adhered to, as drivers must record the time they spend on the road, and the time they take to rest. According to statistics collected by the Bureau of Justice, auto accidents account for 52% of personal injury lawsuits each year. If you are hurt in an accident with a commercial vehicle, it’s a good idea to find out whether truck driver log requirements were breached. Experienced personal injury lawyers can help you determine what steps are necessary—it’s always better to avoid a lawsuit if you can. Safety Tips All drivers can maintain good driving habits to reduce the number of truck crashes and fatalities. Follow these guidelines if you drive a commercial vehicle: — Adhere to hours of service: Some drivers tamper with their data in order to make quicker runs, but you should never let the job pressure you into doing something that’s both illegal and dangerous. If you are fired for refusing to perform illegal actions,...
General Motors Begins Servicing Claims for Victims of Faulty Vehicles

General Motors Begins Servicing Claims for Victims of Faulty Vehicles

The door is open for the fund Automaker General Motors established in July to help pay for auto accident injury claims resulting from faulty ignition switches, which the American corporation knowingly used in many of its vehicles. In 2014, reports Los Angeles Times, GM recalled an astounding 2.6 million vehicles after it was made public that a problem with the ignition switch caused vehicles to shut off in transit or not start at all. While many of the car accident compensation claims brought against GM will be to pay for things like lost wages and productivity, medical bills, and repair bills, many others will be brought by families who lost loved ones to an issue that is now widely believed to have been a matter of common knowledge among GM executives for over a decade — that’s following a formal inquiry into the situation by the Federal Trade Commission (FTC). It’s estimated by Reuters that at least 74 people died as a result of the company’s negligence. GM Losses Estimated in the Millions According to The New York Times, General Motors was already assessed a $35 million fine for neglecting to repair the switches, which many estimate have been flawed since 2001. However, when compared to what the company estimates it will have to pay to make all victims of the most recent issues whole, that government fine will be a very small drop in the bucket. Over the coming months, car accident injury claims brought against the company are expected to be in the hundreds to low thousands. Payments for these car accident injury claims will likewise range...
Deadly Facts About Drunk Driving You Probably Didn’t Know

Deadly Facts About Drunk Driving You Probably Didn’t Know

What if I told you that in a 2013 survey of high school students in Ontario, a full 18% reported being in a car with a driver who had been drinking? What if you found out that of the 211 children killed in accidents caused by drunk driving in 2010, 62% were riding with the drunk driver who caused the accident? According to the most recently available statistics from the National Highway Traffic Safety Administration (NHTSA) 2,100 people are killed annually because someone chooses to get behind the wheel with alcohol in their system, and the problem, ostensibly, is only getting worse. The Drunk Driving Problem Starts Young A 2014 study on drunk driving from Harvard Medical School uncovered some troubling statistics. Of high schoolers 16-18 years old, 12 to 14% reported they had driven while impaired within the last month. A staggering 23 to 38% said they had ridden with a driver who was impaired by drugs or alcohol within the last month. The effect of being counted among either statistic is equally damaging, with teen drivers being 11 times more likely to drive impaired as someone who has never ridden with an impaired driver. Parents Can Lead by Example Nearly a third, or 30%, of American drivers report having been involved, whether as a driver or a passenger, in an accident caused by drunk driving in their lifetime. As you’ve seen, teens are most likely to be involved in these sorts of accidents than more experienced, more mature drivers. Teens already face a 3.6 times greater chance of being in an accident when they are carrying passengers,...
The Top Three Most Dangerous Driving Habits

The Top Three Most Dangerous Driving Habits

Did you know that, according to Fox Business, the average auto accident insurance claim amounts to $23,450, and auto accident injury claims make up the majority of personal injury lawsuits? Being injured in a car crash can leave you with stacks of medical bills, and sometimes even force you to take days or even weeks off from work. How can you avoid auto accidents, and what should you do if you are injured in a car crash? How To Avoid Auto Accidents The truth of the matter is simple: you cannot control the actions of other drivers. The only thing that you are able to do, then, is try to make the right decisions in any given situation. Drivers can significantly reduce risks of auto accidents by going the speed limit, never drinking and driving, and waiting until they get to your destination to text and make phone calls. How risky are these behaviors? A staggering 90% of drivers reveal that they feel “somewhat” or “very” threatened by other drivers talking on cellphones, according to 2012’s Traffic Safety Culture Index. Research suggests that these fears are not without merit. In fact, answering texts while driving makes accidents up to 23 times more likely. Speeding, on the other hand, is a contributing factor in one of three fatal crashes. Injured in a Car Crash? What To Do Next Drivers are likely to get in a car at least once every 17.9 years, according to Forbes. Knowing how exactly to respond in such a stressful situation, especially when injuries are involved, can be difficult. What should you do after a car...