Speeding Disparities: A Case Study

While each vehicle reaches its optimal fuel economy at a different speed (or range of speeds), gas mileage usually decreases rapidly at speeds above 50 mph. You can assume that each 5 mph you drive over 50 mph is like paying an additional $0.24 per gallon for gas. Sensible driving is also safer for you and others, so you may save more than gas money. $150 is the average speeding ticket in the U.S. And if speeding 80 or higher the fine can be even more, and may have had to appear before a judge, cited for reckless driving and even ended up spending some time in jail. Plus, if you receive points related to an auto accident or speeding, your insurance premium can increase by as much as 30 percent depending on how fast or serious the accident. Drivers who are involved in accidents are considered to be a bad risk because they cost insurance companies large amount of money. Speeding may be the fastest way to get from Point A to Point B, but it's not a very cost-efficient or a fuel-efficient solution.

For the scenario of a resident complaining of speeders in their neighborhood and then observing a speeder who, upon investigation, you discovered has no history of speeding, I would opt to educate the driver and issue a warning for the speeding violation. I would exercise the discretion allowed to me by the state of Tennessee. In the State of Tennessee, law enforcement officers are allowed to use their discretion when dealing with misdemeanor crimes, with the exception of a few crimes. Police are allowed discretion because the criminal justice system realizes that every case and individual involved is unique and no one solution can be given (Dempsey & Forst, 2016).

There have been many reasons suggested in academia and other articles as contributing to the inefficiencies of the law. Opponents of no-fault insurance argue that the law does not achieve its intended goal and that the current performance has proved that no-fault is ineffective. The reason is that the law does not compensate for pain and suffering. Rates are actually higher under no-fault. insurance premiums in no-fault states are on average higher than in traditional liability states. Adversaries of no-fault insurance contend there is no decrease in lawsuit costs under the law because the time insurers once spent protecting suit cases is presently spent guarding claims brought by their own insureds for inability to pay for benefits. Opponents argue again that the law is ineffective because economic damages and benefits are limited to the terms of the policy. This is because in traditional tort states, you are fully compensated for your loss by suing the driver responsible for your injuries. No-fault states have limits on liability, even for your basic economic damages. These limits result in people being forced to pay for any unpaid medical bills without recourse against the driver who caused the injuries.

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.

Is there a more appealing coverage policy than the diminishing deductible? What's better than being rewarded for driving well? You can even boast about it to your friends: "My deductible is zero. Why? Oh, because I'm the best driver, that's why." Or something along those lines, anyway.

o keep a record of good driving is a challenge. When something goes wrong on the road that involves driving issues, several factors come to mind. Had the driver been driving without insurance? Or had he figured in an accident but had no insurance at the time of the incident? And was there any time he had stayed behind the wheels after several drinks of alcohol? Perhaps, he too had failed to show proof of insurance at a random check by the state police on the highway? Call it luck,had he likewise been ticketed for serious traffic violations? The result is, this driver now labors to find an automobile insurance. Similarly, his driving now puts him among the high-risk drivers on the road. It is pretty sure he needs not just an ordinary auto insurance

In addition, cars are insured by reputable and responsible insurers--fully insured. Coverage goes up to at least $100,000; however, personal items that you may want put into the car are not covered nor allowed by the drivers as per guide lines of the U.S. Transportation

The essay is talking on how after the World War I ended Lieutenant Colonel participated in the war department project. There was a desperté need for a bette and safer hughways in America, Safety an annual toll of nearly 40,000 killed and 1.3 million injured due to the bad road conditions we had on the highways. The country urgently needef to modernized interstate highway system to relieve existing congestion, to provide for the expected growth of motor vehicle traffic, also to strengthen the Nation's defenses, to reduce the toll of human life exacted each year in highway accidents, and to promote economic developments for the better. This was a big demand because more than 9.5 million people, has a job directly connected with highways or their

Political factors cover regulations that businesses and industries must comply with from a legal and lawful stand point. These regulations and laws are directly affiliated with the government, which vary from state to state. It is important for companies to bring high attention to these factors because it sets the guidelines and framework for how a company operates. State Farms operation and services in the auto insurance industry must vary from state. Specifically in New York, according to the New York’s department of financial services, the state law requires auto insurance policy holder to have the minimum liability requirements of $10,000 for property damage, $25,000 for bodily injury, and $50,000 for bodily injury for two or more people (NYSIR, 2015). This means that policy holders are not able to operate a motor vehicle without this minimum coverage. Also, State Farm, as well as other auto insurance companies, are not able to issues any coverages that does not meet this requirement.

Insurance companies are in the business of making money. They are going to use various tactics to reduce the amount they are willing to pay on a claim. Never assume that an insurance agent or adjuster is there to help you.

If you had a couple of speeding tickets or had an accident in the past but have maintained a good driving record since, you may be ready for a lower cost policy. As you well know, an accident or traffic violations will usually mean an increase in your insurance. But how long these incidents affect your insurance costs varies from once insurance company to another. You can call your insurance company and ask, but don't expect much. A better course to take is simply get several quotes from other companies. The best time to start doing this is a couple of years after your infraction or accident. Of course, the seriousness of the issue will be a factor. A DUI may take several years to go away, whereas a simple speeding ticking may be overlooked by an insurance company after a year.

The source I used for the popular news piece is a newspaper article from the Wall Street Journal and the author of this piece is Joseph De Avila. This article talks about a Connecticut study that finds racial disparity within traffic stops. The report was investigated by the Institute for Municipal and Regional Policy at Central Connecticut State University. This particular study was done using 620,000 traffic stops that were done by the local police departments and state police in Connecticut, which was done over a 12 month period. The three research questions that were answered in this research were when the traffic stops took place as well as specific time periods they occured, who was pulled over and if they were searched, as well as if

There are some expensive items covered by this plan, which will pay out even if the policy holder is to blame, including medical costs for the driver and people in the vehicle with him. Owing the cost element in setting up insurance plans like this, it is worthwhile inspecting any current arrangements you have to see if there are areas already protected to keep the expense down. Items like the medical expenses and lost income are already part of a current health plan that is in

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.

According to worldwide statistics nearly 1.3 million people die in road crashes each year and additional 20-50 are injured or disabled. As plenty of studies point out drivers under 25 represent the majority of casulties. In order to face mentioned tendency insurance companies encourage young drivers to install black boxes in their vehicles. Consequently, not only cant hey access the way of their driving but also decide about their insurance rate.