Showing posts with label auto insurance Owen Sound. Show all posts
Showing posts with label auto insurance Owen Sound. Show all posts

Tuesday, 11 February 2014

93 Percent of teens admitted to distracted driving!

Texting and driving as bad or worse than impaired: broker

 
by |
The message making impaired driving socially unacceptable has been embraced by today’s teen drivers – but brokers are seeing a new monster wreaking havoc on the nation’s roads: distracted driving.

“It is exactly the same if not worse,” says Glenda Guindon, president of Holway & Hutchinson Insurance in Kingston, Ont. “It is causing a lot of accidents and we are seeing a lot of those tickets, almost every one of them are new drivers that have a texting and driving or cellphone driving charge.”

The results of a study commissioned by Ford Motor Co., of Canada late last year show 93 per cent of teens admitted to distracted driving; 72 per cent admitted to using hand-held technology, such as texting, while behind the wheel and 37 per cent admitted to e-mailing while their vehicle was in motion.

The prevalence of texting and driving – especially among teenage drivers – is a perception of it not being as dangerous or socially unacceptable as drinking and driving.

“They are thinking it is not illegal, because it is not alcohol,” Guindon told Insurance Business. “They feel they have such good control over it, they can do two things at the same time. They’ve been doing it their whole life; if you’ve sat across from a teenager and had a conversation, their head is down texting the whole time.”

It is a problem that will have to be tackled in the same way impaired driving was back in the 1980s through a public campaign like that launched by Mothers Against Drunk Driving, Guindon points out.

“It is going to have to start at the very, very beginning,” she says, “and just like the MADD get the people involved.”

The Ford study also found that teen drivers are apt to engage in riskier behaviour as they age – 16 or 17-year-old respondents said they were more likely to follow the rules of the road (71 per cent) than their 18 and 19-year-old counterparts (48 per cent).

“A phone call or text can wait for you to reach your destination or find a safe place to pull over,” says Suzanne Anton, B.C.’s Attorney General and Minister of Justice. “It is simply not worth the risk of causing a crash and causing serious injury or worse to yourself or someone else on the road. Police across B.C. are doing their part to change this dangerous behaviour by ticketing drivers and enforcing the law. That means if you’re caught talking or texting on your cell while driving, you could face a $167 fine and three penalty points.”

The Insurance Corporation of British Columbia says that drivers are four times more likely to crash when talking on a handheld phone and 23 times more likely to get in a crash if they text behind the wheel. The organization says that texting behind the wheel takes a driver’s eyes from the road for an average of 4.6 seconds, and at 50 km per hour, that is equivalent to driving 64 meters blind – more than the length of a professional-size hockey rink.

"Every day police across the province encounter drivers using hand-held devices behind the wheel and based on their excuses, they just don’t get it,” says Chief Officer Neil Dubord, chair of the B.C. Association of Chiefs of Police Traffic Safety Committee. “Most drivers acknowledge that distracted driving is dangerous but they’re also quick to justify their own behaviours. We need drivers to realize there are no excuses for putting others at risk.”

Convictions for distracted driving for texting last year were:
B.C.:    48,000
Alta:    27,112
Sask:    4,300
Man.:    2,875
Ont.:    63,813
Que.:    47,000
N.B.:    1,389
P.E.I.:    257
N.S.:    4,841
N.L.:    1,018
Yukon:    84
N.W.T.:    183
Nunavut has no distracted driving legislation that includes texting. 

Academics who study the issue say texting is the most deadly of distractions – drivers who read or write text messages while operating vehicles are 23 times more likely to be in a crash than non-distracted drivers, according to researchers at the Virginia Tech Transportation Institute (VTTI).

In the U.S., texting while driving annually causes 1.6 million accidents (National Safety Council) and 330,000 injuries (Harvard Center for Risk Analysis). Stunningly, 11 teens die every day while texting in the car, according to the Institute for Highway Safety.

“Dialling or texting or reading a text message, that’s when they get themselves into trouble,” said Charlie Klauer, a research scientist at VTII who specializes in watching people drive. Her studies involve monitoring drivers for months at a time via cameras and other equipment installed in their vehicles. “We don’t see any increase [in crash risk] at all when we see adult or novice drivers talking on a cellphone, regardless of whether they’re holding it or hands-free,” she said. “That’s because when you’re talking on a cellphone, you’re still looking forward.”

Teens, according to Klauer’s latest research, are particularly prone to distracted behaviour in the months after being licensed. Her data, published in January in the New England Journal of Medicine, showed that while novice drivers engage in distracted behaviour less frequently than experienced drivers in the first six months of their driving careers, their willingness to text or take part in other risky distractions doubles that of experienced drivers by the time they’ve been on the road for a year and a half.

As smartphones become more ubiquitous, Klauer said, VTTI forecasts that related fatalities will climb.

“You can Skype with them, teens are doing Instagram and Snapchat while driving. I do think we’re going to see more and more distraction crashes because of the smartphones,” she says, adding: “We need to be very vigilant in educating both teens and parents that these types of activities are very dangerous for teen drivers and they should avoid them at all costs.”

Tuesday, 12 February 2013

Insurance Institute for Highway Safety names top safety pick vehicles


DAILY NEWS Jan 4, 2013 8:51 AM   
 
The Insurance Institute for Highway Safety announced that 13 vehicles were recently awarded its Top Safety Pick+ award, which went to 2013 automobiles with high scores in IIHS tests.

Altima
To be named a Top Safety Pick+, the vehicles must be rated as having good occupant protection in at least four of five IIHS evaluations, and not less than acceptable in the fifth test. They must also attain scores of good or acceptable in IIHS's small overlap test, introduced this year.

"The small overlap test replicates what happens when the front corner of a car collides with another vehicle or an object like a tree or utility pole," Arlington, Va.-based IIHS stated in a press release. "In the test, 25% of a car's front end on the driver side strikes a five-foot (1.5-metre)-tall rigid barrier at 40 miles per hour (60 km/h). A Hybrid III dummy representing a 50th percentile male is belted in the driver seat."

As of Dec. 20, IIHS had evaluated 29 models in that test and named the 13 models which it says provide "the highest level of all-around crash protection."

Top Safety Pick+ Winners for  2013 

Click on the links below to get more detail on each model. 

Monday, 28 January 2013

Stop paying too much for car insurance

These poor decisions could be costing you hundreds of dollars in extra premiums each year.
By Gail Vaz-Oxlade | Online only, 24/01/13
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Sometimes when I look at a body’s budget and I see what they’re paying for car insurance I gasp. The biggest monthly premium I’ve come across was $535 a month. How did the premium get so high? A couple of accidents, a charge of driving with a suspended license and other idiotic moves. 

But you don’t have to be a bad-driver to see your insurance premiums high-step to new levels. A mistake or two, combined with rising rates across the industry, can throw your budget out of balance.

My advice is to trade that expensive, foreign car in for a less-expensive domestic model. Sports cars cost more to insurance because they scream: I’m going to speed. And avoid cars that tend to attract thieves. Years ago my then-husband’s high-end Jeep was stolen right off our parking pad. Several months later they came back and took its replacement. The lesson: no more Jeeps. Two-door Integras are stolen far more often than are four-door CSXs. And Audis are ripped off far more frequently than Buicks. You can check with your insurance broker to see what the “hot” models are so you steer clear of higher premiums.

Increase your deductible. If you take your deductible from $500 to $1,000, and add the difference to your emergency fund, you’ll see a drop in your premiums. And if you eliminate coverage you no longer need–think collision and comprehensive coverage on older models–you’ll save even more.
Stop getting tickets. For each moving violation you get, your premiums inch up, until you hit three when they take a giant leap. Accidents and tickets stay on your driving records for years and ratchet up your rates.

Make sure your loyalty counts. While some companies reward loyal customers with lower premiums, don’t let a loyalty discount stop you from saving money. If you think you may be paying too much for insurance, shop around. If bundling your home insurance with your car insurance will get you a better rate, do it. And if making your kid take a driver’s education course means you won’t have to pony up your second-born, spend the money to save even more.

Monday, 7 January 2013

Top 10 Stolen Cars - 2012

Toronto, ON – December 13, 2012 –Insurance Bureau of Canada (IBC) released today its annual list of the top 10 most frequently stolen vehicles in Canada.  This year there is a new, but returning, hot target for thieves – the 2000 Honda Civic SiR 2DR.  In fact Civics take up the top two places in this year’s list.  Civics have always been high on the list.  It’s a popular vehicle for young people and many of them are stolen and chopped for parts.

The Civic replaces the 2009 Toyota Venza 4-door, which was last year’s number one most frequently stolen vehicle nationally but is the second most stolen vehicle in Quebec.  But more than the change of the top target, investigators are seeing new trends and have more warnings for unsuspecting victims.

 The top 10 most frequently stolen vehicles in Canada are:
  1. 2000 HONDA CIVIC SiR 2DR
  2. 1999 HONDA CIVIC SiR 2DR 
  3. 2006 CHEVROLET TRAILBLAZER SS 4DR 4WD 
  4. 2007 FORD F350 SD 4WD PU
  5. 2005 CADILLAC ESCALADE 4DR AWD
  6. 2006 FORD F350 SD 4WD PU
  7. 2002 CADILLAC ESCALADE 4DR 4WD
  8. 2005 FORD F350 SD 4WD PU
  9. 2004 FORD F350 SD 4WD PU
  10. 1999 ACURA INTEGRA 2DR 
Tips for Consumers
Don’t be tricked into buying a stolen vehicle. Consumers should buy used cars from a reputable dealer and run a car history report before making a deal. If buying a used car privately, have it inspected by a trusted mechanic. Also, to avoid having stolen parts put onto your vehicle during repairs, only deal with reputable repair shops. Your insurance company can recommend one.
It’s important to remember that a professional thief can steal your car in about 30 seconds. But there are a few simple precautions that you can take to help make the thief’s target a little harder to reach:
  • Never leave your vehicle running unattended
  • Park in well-lit areas.
  • Always roll up your car windows, lock the doors, pocket and protect your keys.
  • Never leave valuables or packages in full view. Put them in the trunk.
  • Park your car in the garage at night
Dubin says: “Finally, this one drives me crazy and I see it all the time.   People just leave their keys in the ignition, while going in for a coffee and donut or warming up their car in the morning...  Approximately 20% of all stolen cars have keys in them.”