While record low fatality rates indicate that today’s cars are safer than ever, the latest crash test results confirm that some models still do a better job than others at protecting their occupants in a serious collision. And the best of them can help prevent their drivers from getting into accidents altogether.Top 10 safety/insurance rated cars for 2012All models feature standard front, front-side and head protecting side-curtain airbags for all outboard riders; other safety features…
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Should you get snowmobile insurance coverage?
Though consumers may enjoy a number of recreational activities during the winter, some are more dangerous than others, which could prompt people to make sure they have proper snowmobile insurance coverage. One of those activities that may end up leading to accidents is snowmobiling. According to the industry group the Insurance Information Institute’s 2010 fact book, which cited data from the National Safety Council, there were 12,735 snowmobile-related injuries in 2004. Given that amount of…
Read MoreAre more bogus auto insurance claims filed during the holidays?
With the holiday season upon us, malls are teeming with busy shoppers, all battling for that perfect gift. Crooks and con artists are also busy, too – looking for ways to make a quick buck and rip off you and your auto insurance company. Insurance fraud is the second most costly white-collar crime in the country behind tax evasion, costing Americans billions of dollars each year. But you might be surprised to learn that the…
Read MoreAre you protected from New Year’s Eve dangers?
The year’s final hours usually are filled with parties and popping champagne corks. But New Year’s Eve can hold a host of dangers for those who don’t ring in the new year responsibly. “With a little awareness, everyone can have a safe and happy holiday,” says Tom Heitz of the Santa Clarita, California-based Heitz Insurance Company. “If you’re going to serve alcohol, you have to be extra cautious.” A major safety issue for the…
Read More10 Common Auto Insurance Questions
While television ads may make the process of obtaining coverage and getting the lowest rates seem as elementary as a 15-minute phone call, auto insurance is a complex subject. As an “Insurance Literacy” survey conducted by Zogby International for MetLife Auto & Home found, many consumers harbor major misconceptions about their auto insurance policies and premiums. To that end, we contacted industry experts for answers to some of the most common – and often misunderstood…
Read MoreInsurance for vintage and super luxury items
For those who are living in the lap of luxury complete with yachts, fine art collections and vintage wine cellars, extravagant items such as these require more than the typical insurance coverage. Surprisingly, according to the World Wealth Report 2010, the demand for investments in luxury goods and collectibles is on the rise. U.S. art auction sales have shown a robust rebound since a dramatic downturn in 2009, which has increased the need for specialized insurance…
Read MoreInsurance commissioner lauds Teen Driver Safety Week
Teen drivers are involved in accidents and suffer serious injuries and death at a much greater rate than most motorists, making National Teen Driver Safety Week an important one, according to California Insurance Commissioner Steve Poizner. “Too many Californians die every year because of auto accidents. I can’t emphasize strongly enough how important it is for all drivers – especially teenagers – to purchase and maintain proper auto insurance coverage,” says Poizner. California’s teenage drivers…
Read MoreNo-fault Insurance fraud on the rise in Florida and New York
Insurance fraud is on the rise and motorists in the hardest hit states governed by no-fault insurance laws are footing the bill. Staged accidents and the exorbitant fake medical bills that follow are at the heart of a problem that is resulting in a “fraud tax” on auto insurance premiums of as much as 20 percent in some areas, industry experts say. “Florida is Ground Zero for staged accidents in the U.S., bordering on out…
Read MoreThe Basics of No-Fault Car Accident Insurance Laws
If you are currently a Florida resident, you can get drunk and wrap your car around a pole, then sue the carmaker – and Florida law precludes the defense from introducing evidence proving your intoxication at the time. It is part of the reason why the state annually leads the country in auto accident lawsuits per capita, and why the lawyers at the D.C.-based American Tort Reform Association derisively refer to South Florida as a…
Read MoreChoose the right car and get a better insurance rate
As gas prices continue to climb, motorists may again start looking to swap out their low mpg vehicles for more fuel-efficient models, but fuel economy isn’t the only place where savvy consumers can save. You can trim the cost of auto insurance by purchasing a vehicle that has enhanced safety features, accident avoidance technology and anti-theft devices. In newer models, many of these features are now standard. The first step is to contact your insurer,…
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