Archive for Car Wrecks – Page 2

Tips for Avoiding Car-Truck Accidents

  • Know that large trucks maneuver differently from cars and be extra-cautious as you approach.
  • One-third of all crashes between large trucks and cars involve blind spots. If you can’t see a truck’s side mirrors, the truck driver can’t see you.
  • Do not pass a truck on the right while the truck is turning right. The rear wheels follow a shorter path than the front wheels, so trucks must swing wide to the left to safely negotiate right turns.
  • Large vehicles require a much longer distance to stop than cars. Cutting in front of a truck or bus could result in a serious or fatal accident.
  • To properly pass a large truck or bus on the highway, accelerate slightly and maintain a consistent speed. Wait until you can see the entire cab in your rearview mirror before you signal and pull in.
  • If a truck appears to be starting a left turn, check which way the driver is signaling before passing on the right.
  • Give trucks at least four to six seconds of space in wet conditions and at highway speeds.
  • If you witness unsafe driving, report it to the authorities

Find more here, including tips for truck drivers.

Which car seat is right for my child?

Infant Car Seat

Infant car seats generally face the rear of the car and are only for babies up to 22-35 lbs (depending on manufacturer’s specifications) and 29-32 inches tall.  If your child is above the maximum weight or height limit for your infant car seat, it is time for you to move to the convertible car seat.

Convertible Car Seat

Convertible car seats still face the rear of the car at first, but then can be made to face forward as the child gets bigger.  The maximum weight limits for these types of car seats ranges from 40-80 lbs depending on the manufacturer’s specifications and up to 50 inches.  Another type of convertible car seat is the “3-in-1” or “All-in-One” car seat.  This seat is a combination of the convertible car seat with the booster seat.  This type of car seat can be economical because you are only buying one car seat instead of two or three, but bear in mind that most 3-in-1 car seats are not designed for infants.

Booster Seat

As your child continues to get older, your child will graduate from the car seat and be ready for the Booster Seat.  A booster seat is forward facing and its main purpose is to ensure that the seat belt properly protects your child.  Generally children are not large enough for the general seat belt to protect them properly in the result of a wreck.  The booster seat essentially raises your child’s seat and places them in a position where the seatbelt properly protects them by laying across their shoulder as intended.  In a crash, children who use a booster seat rather than the regular seat lessen their chance of injury by 45%.

What is Medical Payments Coverage?

This article is part of a series designed to Let America Know more about their insurance coverage and insurance coverage options.  We have already discussed the benefits of Uninsured/Underinsured (UM/UIM) coverage and why everyone should have it.  We have also discussed Gap Insurance and Liability Insurance.  This month, we will discuss the benefits of medical payments coverage.

Medical payment coverage is an option for car insurance policies that protects the insured, their family, and permissive users of the covered automobile from medical bills that result from a car accident. Regardless of who is at fault in the car accident, medical payment coverage will cover the insured and their family for the policy amount in regards to medical bills. Medical payment coverage also covers the insured and their family in the event of being struck by a vehicle while walking, jogging, and running, etc. Medical payment coverage can be a useful policy option, but do you really need it?

Medical bills can be costly and medical payment coverage can help with those bills.  Medical payment coverage covers any medical payments up to the insurance policy limit for injury or funeral expenses that are related to an auto accident.  However, it is important to note that if you have health insurance, this medical payment coverage can be excess coverage that is unnecessary except in the most dire of circumstances.  Health insurance providers often cover a majority of medical expenses, therefore it is important for you to review your current healthcare coverage before purchasing medical payment coverage.  Medical payment coverage is most cost effective when you do not have health insurance.  However, it can still be beneficial if you do have health insurance because it can be used to cover co-pays that your health insurance does not cover for you.  In the event you are in an accident and have both health insurance and medpay coverage, the key is to make sure your health insurance pays its share of the bills first which then allows your medpay coverage to cover your co-pays rather than the medical bills that would have been paid by your health insurance.  This method will allow you to get the most out of your insurance coverage and not have to spend money out of your pocket on co-pays.

In short, medical payment coverage is a useful tool in the right circumstances.  In comparison to UM/UIM coverage, medical payment coverage is not nearly as important, especially if you have health insurance.  Hopefully this article lets you know a little bit more about your insurance coverage.

You need UM/UIM (or you need more UM/UIM)

In the last few weeks, we have been hired on several cases where we know uninsured/underinsured motorist (UM/UIM) coverage is going to be implicated.  In a couple, we anticipate this will be the only coverage available to our client.  We feel this is an important time for us to stress how important it is for drivers to have UM/UIM) coverage on all of their vehicles.  People often drop this coverage because they do not know what it is and think it is just some extra money the insurance company is trying to get from them.  In actuality, in a serious car wreck, it will likely be the most important coverage that you have.  UM/UIM coverage is there to cover you when you are hit by an uninsured motorist and/or when you are hit by a motorist who has an insurance policy that is not large enough to cover all your damages.  This can leave you in the unenviable position of not having enough money to fully pay your medical bills and/or compensate you for your loss in income while you are recovering from your injuries.  Therefore, please check your policy and make sure you have ample UM/UIM coverage for your vehicles.  If you have any questions about UM/UIM, please feel free to ask us.  We would be glad to take the time to explain why it is so important.

Safer Cars Can Threaten First Responders

Car makers have a dilemma on their hands.  Customers demand fuel efficient cars without sacrificing safety in the event of an accident.  However, these new technologies can be extremely hazardous to first responders, ironically making it tougher to extract victims from car wrecks during the critical ‘golden hour’ after an accident that can decide life or death.  When cars are made with higher strength steel, it translates into a tougher nut to crack for first responders.  Hybrids are great for the environment, but having an electrical power plant in your car means more wires and more danger of electrocution.  These cars are designed with consumer comfort and safety in mind, but could they end up creating more danger?