Organization Need People or People Need Organization

Millions of people drive each day, some heading to work, some to vacation destinations, some to entertainment, and some just for fun. Within these millions, there are all types of drivers; aggressive, passive, new, experienced, and elderly to name a few. The elderly comprise of more than 40 million people age 65 and older in the United States and of those 40 million, 34 million are licensed drivers (NHTSA). Elderly driving has become an alarming subject throughout many communities in the United States as it concerns the safety and health of themselves as well as other drivers. One article shares, as 80-year-old Daniel was driving to the grocery store one day, he ran over a curb and hit a trash can. Luckily he was not hurt and his car suffered only minor scratches. Although unscathed, Daniel was emotionally distraught having almost hit a young woman waiting at the bus stop (Older Drivers). This story as well as many others has triggered a crucial debate about the rights and well-being of senior drivers. Most people believe these older drivers should have an age restriction determining when they should and should not be able drive. However, getting older does not mean people lose all capability to drive. In opposition, driving and health tests should be required at the age of 65 to prove they are capable of safe driving rather than revoking their licenses.

Accident injury victims who are involved in collisions with uninsured drivers may be left without the help and compensation they need. Unfortunately, drivers cannot know for certain if those they are sharing the road with are insured.

The minimal liability coverage required by law is only $15,000 per person, and only twice that in total! Emergency medical treatments alone could exceed these numbers. Once their policy has been exhausted, you are responsible for the remaining expenses associated with the collision.

The elderly are the fastest growing segment of the driving population. A person’s crash risk increases beginning at the age of 55. By age 80, it exceeds that of the young, beginning driver. Age and alcohol interact to increase driving risk. This could mean the responsibility of their transportation falls on a family member.

The mental and physical capabilities of older drivers are an increasing issue that can affect how someone drives. States are making the format for getting a driver’s

Although your policy will cover the damage you do, it will not cover the damage the other driver does to your car or to you. If you are at fault, you can simply justify the repair costs as a penalty for your poor driving. If the accident is the other driver's fault, you can always demand the other driver's insurance company pay the repair bill. However, this assumes the other driver has insurance. If not, you will be stuck with the repair bill. This type of insurance is often not expensive to add to your policy, so you should get a quote on the cost.

Driver classification includes information on a person 's                     and is used to set auto insurance rates

Firstly, teenage drivers cause higher insurance rates. This is due to the high risk of fatal crashes for those under the age of 20. Since many teenagers are caught

Ans : Models employed to determine car insurance rates include a mathematical function describing, per unit of driving time, your personal probability of having zero, one, or more accidents. Consider, for our purposes, a simplified model that places everyone in one of two categories: high risk, which includes drivers who average at least one accident each year, and low risk, which includes drivers who average less than one. If, when you apply for insurance, you have a driving record that stretches back twenty

If you or a loved one has suffered injuries from a car accident, your focus needs to be on treatment and recovery - not negotiating with insurance companies. It's hard to put a number to your

"Insurance companies should judge you on how you drive, not who you are," said J. Robert Hunter, CFA 's Director of Insurance and former Texas Insurance Commissioner. "Insurance companies are penalizing good drivers by hundreds and sometimes thousands of dollars each year based on economic and social status, and the end result is that the poor pay more, much more."

Bob’s family may have some shock and disbelief that he was involved in an accident. This may be due to the fact that Bob has had so many years of experience driving and also teaching people to drive safely. Furthermore, they may be surprised that he injured someone else. They will be happy that Bob did not injury himself though.

* Customers – Customers is external stakeholders for all organization or firm. Without any customers a company cannot be process. Customers have power to choose their necessary service and products. Seller and marketing cannot force customer to purchase product and service. Example, insurance customers have many choices when they need to purchase insurance. That mean consumers can buy insurance in different company like Tesco Bank, Lloyd Bank, HSBC and other company.

Granny, I know you’ve never been in an accident, but Lord knows how many you’ve caused! Although I love my grandmother dearly, I must admit that a few of my grey hairs are courtesy of her driving. As the years passed, my grandmother’s driving progressively got worse. However, there is no test administered to the elderly which determines whether or not they are fit to drive. While my Granny was creating mayhem on the streets, I realized how much a drivers’ test for the elderly was needed. Elderly drivers impose possible threats on others, as well as themselves, and could also be paying excess money on unnecessary insurance.

Accident frequency and severity affects make up the portion of customers’ premium that covers losses. Until recently, when determining liability premiums, vehicle make and model were not consideration. In the year 2000, there are over two auto insurers planned to raise liability rates on large size vehicles like SUVs, pickups and vans. This is based on vehicle safety and claims experience. A larger vehicle can cause injury and property damage; especially in the weight of car a ton or more could change the crash.