Literature Review On Auto Insurance

It is important to note that when the authors analyzed data from this source they did not separate fatal accidents involving drunk driving from accidents that did not pertain to drunk driving as to minimize the influence of outside factors like the bias of a police officer. The authors then used this data to look at trends in fatal accident rates on both Sunday’s and weekdays in states that either repealed their blue laws between 1900 and 2009, states that still had blue laws during that time period and states that either never had blue laws or repealed prior to 1990. Upon looking at these trends, the authors did not discover any major changes in the fatal accident rates on Sunday in states that repealed their Blue laws. The only notable evidence to support a claim that the repeal of Blue laws leads to more fatal accidents on Sunday was the fact that in repeal states Sunday crash rates “remained constant until 2006” while their weekday fatal accident crash rates had decreased in the late 1990’s (2011, 807-8). Yet this does not suggest that the repeal of Blue laws caused this as the same relative trend occurred in states that never had Blue laws which signifies that the trend was not caused by the repeal of Blue laws. Additionally, in repeal states their fatal accident rates on both Sunday and on weekdays had a general downward trend with the only difference being that the weekdays fatal accident rate decreased at a slightly stronger rate. This led the authors to conclude that Blue laws have “at most a small effect on fatal accidents” as there were no significant changes in the fatal accident rates to support that claim (2011, 808). Finally, the authors used the same data set to demonstrate that the repealing of Blue laws did not have any significant effect on the fatal accident rates

4. Critical Thinking: All states, of which I am aware, require automobile owners to insure their vehicle.  Yet, studies show that having insurance actually increases the likelihood of an accident and increases the likelihood of a car / bicycle accident.  Discuss why this is so.  Who is protected and who is harmed by required automobile insurance?

The argument that Forestville should reverse a decision it made six months ago to raise its speed limit by 10MPH due to a 15% rise in accidents because accidents in Elmsford, a neighboring region, declined slightly, is inconclusive. A base line study of traffic pattern disruptions and speed variances in Forestville and Elmsford comparing demographic data, location, rate, and type of accidents for more than six months might determine significant risk factors. Federal studies suggest that accidents rise if speed limits are raised on highways by as much as 5% for each 4 MPH but on moderate speed limit roads, no such relationship exists. Other studies show accidents decrease with a rise in speed limit since artificially low limits also cause

Myth 10: If I get into an accident and the other party is at fault but has no insurance, my insurance company will pay for my damages.

In 2014, there were 32,675 deaths related to motor vehicle accidents (Insurance Institute for Highway Safety and The Highway Loss Data Institute, 2015). The top reported causes of car accidents are distracted driving, speeding, and drunk driving (Starver, 2014). So many lives have been lost to the road, but fortunately, the number of deaths in motor vehicle accidents are decreasing year to year. This trend also correlates with the increasing amount of laws created in order to deter people from actions associated with the causes of many car accidents. In order to continue this trend of reducing fatalities related to car accidents, the federal government should pass laws to standardize safer practices across states, as well as require new drivers, and those who have had their licenses revoked, to take courses on the dangers of driving and defensive driving practices. To support these laws, the federal government could

Insurers were forbidden from calculating policyholders' car insurance premiums based on gender from December 22nd 2012. Over a year has passed since that time, and the market has had time to readjust. The fact remains that male drivers are more likely to make a claim on their insurance, and are more likely to have a personal injury claim or other road traffic accident claim made against them. There are approximately twice as many road accidents involving men under the age of 24 than women in this age group, and collisions involving men are more likely to lead to serious injury and death than those involving women.

Online quick car insurance quotes are a quick approach to look at the distinction of other collision protection organizations for the most ideal premiums that fit your particular needs. On the off chance that you are similar to different a huge number of Americans, you are pondering where you can discover moderate insurance rates from organizations that offer aggressive premiums. Which insurance organizations offer the cheapest or most reduced cost online? When you are looking for quick car insurance quotes on the web, the quotes will fluctuate from state to express, your age, driving record and numerous different elements that may come to play. The key is to discover the insurance organization that can give you the scope you require that fits your financial plan.

In the first peer, reviewed article titled “Alcohol and Fatal Road Accidents” they focus their article on estimating the relative risks of responsibility for fatal accident linked to driving under the influence of alcohol, the prevalence’s of these the influence among drivers and the corresponding attributable risk ratios. They then go on to talk about how the police procedures for fatal accidents in

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This is what I would do if I was the driver using the Contractualism as a primary ethic. I will not want to take the blame of hitting the pedestrian in the car crash that caused several cars to be badly smashed; there was a person that was killed and there was my careless driving.

You can pay anywhere from $500 to $2,000 for the same car insurance policy, so it pays to shop around, and do your homework. However, cost savings shouldn't be your only concern. When you buy insurance, you're actually buying protection; and pinching a penny can come back to bite you, if you're not careful. Here are some tips to help you make good decisions when purchasing car insurance.

Many people lose their lives or loved ones in accidents involving cars and other types vehicles like semi trucks, farm equipment, construction vehicles, and motorcycles. People are involved in car accidents due to reasons such as distracted driving, drunk driving, inability to drive, driving in an unsafe vehicle. Many of the accidents can be can be prevented. There are many precautions that can be taken to decrease the amount of people hurt in these accidents. Options range from enforcing harsher laws for vehicular accident or simply making the car itself safer, and making it mandatory that vehicles are safer. As well as new laws that could created. There are many small things that people can do to become a better driver and cause less accidents.

Effectively obtaining your very own home is an exceptionally satisfying knowledge. It resemble the finish of the endeavors of numerous years. It is consequently unforgivable for anybody not to have this venture completely ensured regardless of the reason. Discover how to save money on your home insurance with tips like free auto home insurance quotes.

The facts are astounding and horrific. According to the Association for Safe and International Travel, nearly 1.3 million individuals are killed in road related crashes each year. This accounts for 3,287 deaths each day. Among the statistics, is the fact, that car related accidents are the leading cause of death among young adults ages 15 through 29. It is also the second leading cause of death worldwide among young people ages 5 through 14. Unless action is taken, car related deaths are expected to become the fifth leading cause of death by 2030.

There are many ways to save money on your car insurance policy. Some of them are obvious like paying for the entire policy rather than making payments or increasing you deductible on your collision coverage. However, the following are three often overlooked ways to pay less.