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Sunday, June 22, 2008
Sunday, June 1, 2008
Cell Phones and Driving
Cell Phones and Driving: Hang Up & Drive for Affordable Liability Insurance and Collision Coverage
Got a call you just have to make on your cell phone while driving your car? Better be sure that your liability insurance and collision coverage are in good shape with your insurer. And, if you're the parent of a newly driving teenager who is also armed with his or her own cell phone, you need to be especially sure that your car insurance for a young driver is up to date because the chances are very high that you'll need it for the inevitable fender-bender, which can also mean good-bye to affordable car insurance.
Talking on the cell phone while driving has created a new "unsafe at any speed" situation on the modern highway. A study by the Insurance Institute for Highway Safety, based in Australia, confirms this with their findings that drivers distracted by yapping on their cell phones while driving are four times more likely to become involved in accidents. Not only does cell phone usage cut down on a driver's ability to hear what's going on around him (such as sirens, car horns, people, etc.), it also takes a driver's attention away from the road.
Add to that statistic the findings of another study by the University of North Carolina, the University of Utah, the University of Illinois at Urbana-Champaign, and the University of Rhode Island that show a person's driving skills while simultaneously talking on a cell phone equate driving while under the influence of alcohol, and you have some pretty significant reasons to be nervous when out on the road. Furthermore, researchers at the University of North Carolina discovered that drivers talking on their cell phones are twice as likely to rear-end the car in front of them as drivers who aren't using phones. However, researchers at the University of Illinois at Urbana-Champaign proved that conversations among occupants in a car produce no similar distraction.
Unfortunately, there doesn't seem to be a single solution to the prevalent "driving while on the phone" problem. Studies show that banning hand-held phones and opting for hands-free mobile phone technologies, such as headsets or Bluetooth ear buds, do not necessarily improve driving safety.
The only real solution to this problem would be to simply turn cell phones off while driving so you won't be tempted to answer that phone call. But, human nature being what it is, this doesn't seem likely to happen on its own. A survey by Nationwide Mutual Insurance revealed that 73 percent of all drivers talk on their cell phones while driving. As a result, several states, including Virginia, Connecticut, New Jersey, New York and Utah, as well as the District of Columbia, have passed laws prohibiting the use of cell phones while driving. Similar laws in California and Washington will go into effect in 2008. Several more states have laws that ban or restrict young drivers from using their cell phones while driving, and in some places authorized personnel can even issue citations for a DWT: Driving While Texting.
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US Insurance Online CEO Jim Waltrip is a self-taught software developer and entrepreneur with a passion for building things: teams of employees, software, and new systems. Jim started US Insurance Online with business partner Ryan Patterson in May 2005. Visit http://www.USInsuranceOnline.com for insurance shopping help and for free insurance quotes.
Got a call you just have to make on your cell phone while driving your car? Better be sure that your liability insurance and collision coverage are in good shape with your insurer. And, if you're the parent of a newly driving teenager who is also armed with his or her own cell phone, you need to be especially sure that your car insurance for a young driver is up to date because the chances are very high that you'll need it for the inevitable fender-bender, which can also mean good-bye to affordable car insurance.
Talking on the cell phone while driving has created a new "unsafe at any speed" situation on the modern highway. A study by the Insurance Institute for Highway Safety, based in Australia, confirms this with their findings that drivers distracted by yapping on their cell phones while driving are four times more likely to become involved in accidents. Not only does cell phone usage cut down on a driver's ability to hear what's going on around him (such as sirens, car horns, people, etc.), it also takes a driver's attention away from the road.
Add to that statistic the findings of another study by the University of North Carolina, the University of Utah, the University of Illinois at Urbana-Champaign, and the University of Rhode Island that show a person's driving skills while simultaneously talking on a cell phone equate driving while under the influence of alcohol, and you have some pretty significant reasons to be nervous when out on the road. Furthermore, researchers at the University of North Carolina discovered that drivers talking on their cell phones are twice as likely to rear-end the car in front of them as drivers who aren't using phones. However, researchers at the University of Illinois at Urbana-Champaign proved that conversations among occupants in a car produce no similar distraction.
Unfortunately, there doesn't seem to be a single solution to the prevalent "driving while on the phone" problem. Studies show that banning hand-held phones and opting for hands-free mobile phone technologies, such as headsets or Bluetooth ear buds, do not necessarily improve driving safety.
The only real solution to this problem would be to simply turn cell phones off while driving so you won't be tempted to answer that phone call. But, human nature being what it is, this doesn't seem likely to happen on its own. A survey by Nationwide Mutual Insurance revealed that 73 percent of all drivers talk on their cell phones while driving. As a result, several states, including Virginia, Connecticut, New Jersey, New York and Utah, as well as the District of Columbia, have passed laws prohibiting the use of cell phones while driving. Similar laws in California and Washington will go into effect in 2008. Several more states have laws that ban or restrict young drivers from using their cell phones while driving, and in some places authorized personnel can even issue citations for a DWT: Driving While Texting.
------------------------
US Insurance Online CEO Jim Waltrip is a self-taught software developer and entrepreneur with a passion for building things: teams of employees, software, and new systems. Jim started US Insurance Online with business partner Ryan Patterson in May 2005. Visit http://www.USInsuranceOnline.com for insurance shopping help and for free insurance quotes.
The Dangers of Defective Seat Belts
The Dangers of Defective Seat Belts
Seat belts have the ability to better protect vehicle occupants from fatal accidents than anything else. According to federal statistics, in 2003, the use of seat belts saved nearly 15,000 lives nationwide. However, even more than 6,000 deaths per year are related to the improper use -- or the failure to use -- the proper seat belt restraints during a car crash.
Seat belts save more than lives - they save the nation money. Every year, seat belts save society approximately $50 billion in medical care, lost productivity and other injury-related costs nationwide. But seat belt failure has tremendous costs.
Seat Belt Defects - More Common Than You Think
Though the national average for seat belt use is at a high of 71 percent, due mainly to a $3.7 million "Click It or Ticket" campaign which used paid advertising to encourage seat belt use, nearly 10,000 out of roughly 30,000 automobile crash deaths in 1999 were related to the failure to use seat belts.
However, these statistics do not show the number of people injured or even killed due to defective seat belts. In fact, each year a number of car companies recall automobiles due to defects in seat belt design.
The purpose of wearing a seat belt is so that it can prevent or minimize what is called the second collision. The first collision is when the vehicle makes an impact with another vehicle or object. In the second collision, the occupant of a car makes impact with the vehicle's interior, or is ejected and then hits the ground. Seat belt use helps protect a car's occupants from fatal second collisions with a vehicle's windshield, steering wheel, or roof.
Defective seat belts may not properly restrain occupants of a vehicle due to poor manufacturing or design. These malfunctions include:
. "Inertial unlatching", which takes place when a seat belt becomes unlatched during a collision. Buckles without a "lock-for-the-latch" design are more susceptible to inertial unlatching, in which the latch plate pulls out of the seat belt's buckle. In 1982, a patent by General Motors said that a properly designed latch should be physically blocked in the latched position to prevent unlatching by inertia forces acting on the vehicle body. Despite these warnings, anti-inertial unlatching features are still not used in all seat belt buckles in new cars and the United States government has largely ignored inertial unlatching in its safety guidelines.
. "False latching", which occurs when a seat belt buckle appears to be closed, but is not. False latching causes a passenger to become free from the seat belt instead of being properly restrained. A seat belt is considered to be falsely latched if it pulls free at less than five pounds of pull. False latching can cause passenger ejection from a moving vehicle or serious injury when the passenger collides with the interior of the car.
. Seat belt durability is key. This includes the material and weaving of the belt itself in addition to seat belts that have too much slack and thus load too quickly, disabling the belt's protective webbing. Faulty seat belt retractors are also implicated in seat belt durability accidents.
Some Seat Belt Buckles Safer Than Others
Manufactures are not willing to make information public regarding seat belt buckles that are more prone to fail during crashes. Consumers are unable to make the distinction between safer safety belt models and what type of seat belt is in their vehicles until the information becomes available to the public. Because seat belts become released during a crash, it is hard to statistically tell how many people are killed or injured every year due to their seat belt buckle.
Seat belt litigation is a crucial factor in automobile crashworthiness claims. If you have suffered injury due to seat belt failure, contact an experienced crashworthiness attorney. Your seat belt lawyer can help you assess your case and get the compensation you deserve for your faulty seat belt and related damages.
------------------------
For more on automobile accident statistics, visit http://crash.legalview.com/ . Also find other legal and medical issues affecting millions of Americans each year at http://www.LegalView.com/ . Here, individuals can find information on the potential for a levaquin class action lawsuit or the latest on the Singulair side effects.
Seat belts have the ability to better protect vehicle occupants from fatal accidents than anything else. According to federal statistics, in 2003, the use of seat belts saved nearly 15,000 lives nationwide. However, even more than 6,000 deaths per year are related to the improper use -- or the failure to use -- the proper seat belt restraints during a car crash.
Seat belts save more than lives - they save the nation money. Every year, seat belts save society approximately $50 billion in medical care, lost productivity and other injury-related costs nationwide. But seat belt failure has tremendous costs.
Seat Belt Defects - More Common Than You Think
Though the national average for seat belt use is at a high of 71 percent, due mainly to a $3.7 million "Click It or Ticket" campaign which used paid advertising to encourage seat belt use, nearly 10,000 out of roughly 30,000 automobile crash deaths in 1999 were related to the failure to use seat belts.
However, these statistics do not show the number of people injured or even killed due to defective seat belts. In fact, each year a number of car companies recall automobiles due to defects in seat belt design.
The purpose of wearing a seat belt is so that it can prevent or minimize what is called the second collision. The first collision is when the vehicle makes an impact with another vehicle or object. In the second collision, the occupant of a car makes impact with the vehicle's interior, or is ejected and then hits the ground. Seat belt use helps protect a car's occupants from fatal second collisions with a vehicle's windshield, steering wheel, or roof.
Defective seat belts may not properly restrain occupants of a vehicle due to poor manufacturing or design. These malfunctions include:
. "Inertial unlatching", which takes place when a seat belt becomes unlatched during a collision. Buckles without a "lock-for-the-latch" design are more susceptible to inertial unlatching, in which the latch plate pulls out of the seat belt's buckle. In 1982, a patent by General Motors said that a properly designed latch should be physically blocked in the latched position to prevent unlatching by inertia forces acting on the vehicle body. Despite these warnings, anti-inertial unlatching features are still not used in all seat belt buckles in new cars and the United States government has largely ignored inertial unlatching in its safety guidelines.
. "False latching", which occurs when a seat belt buckle appears to be closed, but is not. False latching causes a passenger to become free from the seat belt instead of being properly restrained. A seat belt is considered to be falsely latched if it pulls free at less than five pounds of pull. False latching can cause passenger ejection from a moving vehicle or serious injury when the passenger collides with the interior of the car.
. Seat belt durability is key. This includes the material and weaving of the belt itself in addition to seat belts that have too much slack and thus load too quickly, disabling the belt's protective webbing. Faulty seat belt retractors are also implicated in seat belt durability accidents.
Some Seat Belt Buckles Safer Than Others
Manufactures are not willing to make information public regarding seat belt buckles that are more prone to fail during crashes. Consumers are unable to make the distinction between safer safety belt models and what type of seat belt is in their vehicles until the information becomes available to the public. Because seat belts become released during a crash, it is hard to statistically tell how many people are killed or injured every year due to their seat belt buckle.
Seat belt litigation is a crucial factor in automobile crashworthiness claims. If you have suffered injury due to seat belt failure, contact an experienced crashworthiness attorney. Your seat belt lawyer can help you assess your case and get the compensation you deserve for your faulty seat belt and related damages.
------------------------
For more on automobile accident statistics, visit http://crash.legalview.com/ . Also find other legal and medical issues affecting millions of Americans each year at http://www.LegalView.com/ . Here, individuals can find information on the potential for a levaquin class action lawsuit or the latest on the Singulair side effects.
Monday, March 24, 2008
The Real Truth About Buying a New Car Online
Buying a new car thru the Internet - or simply using the Internet to get low bottom-line selling prices - is a great way to save money, time and hassles. But before you decide to take advantage of this exciting free service, it's important to understand what's really happening to avoid bad surprises.
What's Really Going On
When you visit a "buy a car" site, you'll be asked to choose the vehicle make, model and options that you want to buy (or are thinking of buying). You'll also be asked for some basic info such as your name and e-mail address. In return, you'll receive - via e-mail - low bottom-line selling prices for that vehicle from dealerships in your area.
You then compare the various prices you receive and of course choose the lowest one. If you like that low price, you simply go to the dealership, walk right past those hungry car salesmen, sign the papers and drive your new car home - no haggling, no hassles. (If you don't like the price, then do nothing. There's no obligation to buy,or is it)
Easy, huh? Yes. And here's the whole truth:
* The dealerships that give you the price quotes have paid money to the website to grab you as a customer. In other words, the dealerships have paid for the opportunity to have a crack at your business.
* The lowest price you receive may not necessarily be the lowest price that you can buy that new vehicle for. There may be another dealership in your area that's willing to sell it at even a lower price.
* The car salesman or sales manager at the dealership will probably try very hard to sell you other profit-making items such as extended service warranty, paint protection and, of course, financing.
You Need Expert Advice
Don't rush out and buy a car without doing some research. Taking things step-by-step will help you to avoid getting ripped-off. And most importantly, be sure to relax. Remember that the car salesman wants you to be hurried and emotionally-charged so you can quickly buy the car without checking all the facts only to regret later.
First, get your free price quotes from reliable sources .
Once you get the various selling prices for the exact car or truck you want to buy, compare them and choose the lowest. Then, you have several good options:
* You can go to the dealership that gave you the lowest price and buy the vehicle at that price.
* You can try to negotiate the lowest quoted price with the dealership that gave it to you in order to get the price even lower. There's nothing that says you can't.
* You can take the lowest quoted price and shop it around to other dealerships to see if any of them are willing to beat it.
* You can do nothing. If you feel unsure or uncertain, then set it aside. You are not obligated to buy anything. And there's no pressure either. Trust your instincts.
There's no cost, no obligation and no pressure to buy. It's one of the smartest uses of the Internet for car buyers and shoppers.
Sunday, March 23, 2008
How to wash a car
Step 1:
Choose a shady spot, preferably away from trees that are dripping sap or dropping leaves.
Step 2:
Close all doors and windows.
Step 3:
Put one capful of car soap into a bucket and fill it 3/4 of the way with warm water. Set the bucket aside.
Step 4:
Hose any excess dirt off the car, beginning at the roof and working down to the tires.
Step 5:
Lather a sponge or terry cloth rag in the bucket of soapy water and sponge the roof of the car. Spray off excess soap when the entire roof has been cleaned.
Step 6:
Repeat for all four sides of the car, washing one full side including windows, fenders and tires and rinsing completely before going to the next side.
Step 7:
Give the car one final rinse with the hose to get rid of any water spots when all four sides have been washed and rinsed.
Step 8:
Take a chamois leather ("shammy" leather) or towel and dry the car thoroughly by setting the towel flat against the surface of the car and dragging it along the surface to pick up any water spots. Start at the roof and work your way down to the tires.
Step 9:
Wash the windows with a rag soaked in plain water and dry them with a dry rag, or use window cleaner and pieces of balled-up newspaper on both the inside and the outside of the windows.
Step 10:
Give any metal or chrome an extra rubdown to get rid of water spots.
Step 11:
Clean the interior if you have time
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