Keeping Safe

6 10 2011

Dale BertramDavid Corum, VP of The Insurance Research Council says over the past 20 years, the unemployment rate and the rise of uninsured motorists track fairly closely.  Yes…it is the law that we have insurance but it seems somewhat ineffective. Nearly one out of two accidents is cause by an uninsured or inadequately insured driver in our state.

Most of us, unless we decline it in writing, have uninsured motorist coverage.  This affords coverage to you, your family members who live with you and college age and minors who are your children but don’t live with you.  It also covers you if you are a pedestrian, bicyclist, motorcyclist or just a bystander if an uninsured motorist injures you.  It also covers passengers in your vehicle and those who drive your car with your permission and they are in an accident caused by an uninsured driver. It is a good idea to read your policy to make exactly sure what is covered.

We were relieved to read that deadly accidents among 16 year-old drivers had been reduced until we read that they have increased among 18 year-olds.  It seems these 18 year-olds just started driving later so it isn’t age that causes the accidents, it is the lack of experience.  Many teens have opted not to start driving until they are 18 so they can bypass the extra restrictions that 16 and 17 year-olds have. Apparently practice really does make for a more perfect driver.

For us experienced, insured drivers it is important that we are careful too.  We must keep our vehicles properly maintained so we don’t have tires blowing out, brakes failing and overheating vehicles.  All these can cause accidents.  Be safe!

Happy Motoring,






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