Tag Archives: vehicle

Stricter Laws For Hand-Held Devices While Driving

cell-phone-in-hand-while-driving

What Californians Need to Know About Assembly Bill 1785

Smartphone technology is ever-evolving and while these phones conveniently allow us to carry the Internet in the palm of our hands, they’re also a source of distraction for modern-day drivers.

Many states have passed laws against hand-held cell phone use to combat distracted driving, and California’s is about to get stricter.

Distracted driving has declined since 2009 due to laws regulating cell phone use for drivers, but it continues to be a big problem and it’s the cause of many collisions.

The new law Governor Jerry Brown recently signed, Assembly Bill 1785 (AB1785), prohibits ALL hand-held use of electronic devices while driving. Drivers should be encouraged knowing that the law is intended to protect them by keeping their undivided attention on the road. So, put down those smartphones while driving because it’s now against the law to:

  • Read, write or send a text message.
  • Hold your phone and talk.
  • Check or post to social media.
  • Take a video.

Basically, it’s against the law to use technology in your hands in any way while behind the wheel.

This new law requires drivers to mount their smartphones to the windshield or dash, similar to the mounting of GPS devices in vehicles, provided that the device’s use is activated by a simple swipe of the screen to turn features on or off. These conditions impose much stricter rules surrounding cell phone use in vehicles with the aim of reducing distracted driving crashes that are caused by smartphone or electronic device use.

Mercury Insurance wants to remind everyone that distracted driving is not worth the risk. Visit our Drive Safe website for driving tips, vehicle tips and tools to help keep you and your family safe behind the wheel.

 

Understanding Car Safety Ratings

Understanding-Car-Safety-Ratings

Although newer vehicles are generally more expensive to insure than older ones, consumers can often get discounts if their new vehicles have the latest safety features. Advances in crash and accident avoidance technology mean that consumers who buy a new vehicle equipped with the latest safety features are often less likely to be seriously injured in a car crash.

Safety ratings are a function of two major factors: prevention—how well the vehicle is designed to prevent an accident—and, crashworthiness—how well the vehicle performs in a crash.

The Insurance Institute for Highway Safety ranks its Top Safety Picks based on good, acceptable, marginal or poor performance in high-speed front and side crash tests, a rollover test, and evaluations of seat / head restraints for protection against neck injuries during rear impacts. Crash tests are conducted on a half-dozen types of vehicles, including large cars, mid-sized cars, small cars, minivans, mid-size SUVs, and small SUVs. You can also visit the National Highway Traffic Safety Administration website for a full report on recalls and defects.

Currently, some of the top-rated safety features are:

  • Adaptive front airbags
  • Side airbags
  • Side curtain airbags
  • Knee airbags
  • Electronic stability control
  • Anti-lock braking systems
  • Brake assist
  • Tire pressure monitors
  • Back-up sensors
  • Park assist
  • Blind-spot warning
  • Lane departure warning
  • Forward-collision warning
  • Smart headlights
  • Crash-alert systems (such as OnStar)
  • Built-in car seats

Technology is ever-improving, and, as time goes by, manufacturers and the government are standardizing these features. Doing your homework ahead of time and knowing what your options are can make the decision-making process smoother and get you into that new car faster!

Insurance 101 for College Students … And Parents Too

college-student-insuranceMoving away from home to go to college is an exciting time for most kids. It’s their first real taste of independence, but this newfound freedom also comes with increased responsibility.

Mom and dad aren’t around anymore to nag you about the hours you spend on your smartphone or to wake you up for school in the morning, but this also means they aren’t there to fix problems either. What, for example, would you do if someone were to steal your precious smartphone?

Students can easily get swept away in the excitement and bustle of the college social scene, forgetting that not everyone they meet at school has the best of intentions. Crime exists in most communities, and college life is no exception. According to the FBI, 97 percent of crimes reported by college students in 2012 were property crimes and a whopping 41 percent of these crimes occurred on campus grounds.

Students bring many pricey belongings from home – electronics like laptops, smart phones, tablets, televisions and gaming systems are common dorm room items. They may also have a skateboard, bike, vehicle or combination of all of the above.

Another on-campus threat to personal property is fires. Firefighters responded to an average of 3,870 college housing structure fires per year1. These fires caused an annual average of $15 million in personal property damage and losses.

So, how can you protect your belongings while you’re away at school? The first step is to check with your insurance agent to see if your stuff is covered under your homeowners insurance policy. Some policies, like those offered by Mercury Insurance, will extend coverage to college students living away from home.

Another option is to purchase renter’s insurance. Renter’s insurance is designed to protect property owners in the event that their belongings are stolen or damaged in a fire. It will also provide liability coverage in the event someone is injured while visiting your apartment or dorm room.

To maximize your college experience, here are a few tips to protect personal property:

Cover personal belongings with an insurance policy. Students who live on-campus may have coverage available through their parents’ homeowner’s policy. Some companies have policy options that extend personal property coverage for students away from home. Students living off-campus may not be covered by their parents’ policy and should look into purchasing renters insurance.
Create an inventory. Record the value of all personal property to determine the right amount of coverage needed in the event of a loss.
Always lock doors. Talk to roommates and make sure to communicate the importance of securing personal belongings.
Conceal valuables. Never leave electronics or other valuables out in plain sight, and do not advertise their presence on social media.
Secure valuable electronics, like TVs and laptops, to stable fixtures with locking mounts in your room so they can’t be easily removed. Also, protect personal electronics with passwords to guard accessibility and discourage theft.
Use a bicycle lock when you’re out and about or for added security while on-campus. Steel and titanium locks are difficult to cut and provide thieves with a challenge. Reinforcing these locks with cable locks, which can be threaded through wheels, will provide extra security.
Install or activate an alarm if you have a vehicle on-campus. Insurance companies frequently offer discounts for vehicles equipped with anti-theft devices. Students with good grades – at least a B average – may be eligible for an additional discount as well.
Ensure your auto insurance is up-to-date. Coverage for vehicles left at home while in school should be maintained to protect the vehicle from theft or any damage that may occur while it is parked. This will also protect you if you forget to notify your agent to add coverage back to your vehicle when you return.

Consult with your local Mercury agent to learn more about renters insurance and they’ll help build the protection plan that best suits your needs.

The bottom line: with greater independence, comes greater responsibility.

1 The National Fire Protection Association reports this annual average occurred during the five-year period from 2009-2013.

Distracted Driving

distracted-drivingTexting, cell phones, eating and other distractions are causing an increase in traffic accidents

OMG! This is nothing to LOL about. Texting while driving is a leading cause of accidents for teenagers and it claims thousands of lives each year. 1 Texting while driving also reduces a driver’s reaction time so much that it’s the same as driving with a blood alcohol content of .08 percent, which would make you legally intoxicated.2

Additionally, the Insurance Institute for Highway Safety reports that drivers are four times more likely to get into an accident when texting and driving. In 2013, 3,154 people were killed in traffic accidents involving distracted driving, including texting, with an estimated 424,000 people injured.3

Distracted driving is more than texting. Distracted driving occurs any time a driver takes their eyes off the road, their hands off the wheel or their mind off their primary task, which is driving safely.

Activities that can cause distracted driving include:

Texting
Using a cell phone or smartphone
Eating or drinking
Talking to passengers
Grooming (shaving, applying makeup, etc.)
Reading
Reading a map
Using a navigation system
Watching a video
Adjusting a radio, CD or MP3

The U.S. Department of Transportation reports that reading a text takes a driver’s eyes off the road for an average of five seconds. At 55 miles per hour, this is similar to driving the length of a football field blindfolded. 4 Texting drivers are 23 times more likely to be involved in a collision than attentive drivers. 5 Those simply aren’t good odds.

At the very least, a traffic accident caused by distracted driving is certain to lead to an increase in a driver’s car insurance rates.

These common sense steps can help prevent accidents and save lives:

Text messages can wait until your car is turned off.
Pull over to the side of the road to read that map.
Input the address into the navigation system before you leave.
Don’t blast the radio.
Allow enough time so you can eat at the restaurant and not while you’re driving.

Car Insurance Thousand Oaks CA

Do I Need Car Insurance Before Buying a New Car?

Find out what your Thousand Oaks, CA auto insurance needs for a new car.

Whether you’re choosing a flashy sports car for yourself or gifting your loved one with a new ride, deciding on a new car is a fun process! Selecting the make, model, and even color can sidetrack you from switching your auto insurance coverage. But when exactly do you need to purchase auto insurance when buying a new car?

Simply put, you don’t need auto insurance before you buy a new car, but you will need it before you drive the car home from the dealer’s lot.

If you know the exact car you’re going to buy, you can call your insurance agent with the information. After selecting the appropriate and available coverage for you and that specific vehicle, your agent can add the new car to your existing insurance policy.

Some people are more impulsive! They find themselves at an auto dealership wanting to buy a new car and immediately drive it home. For this situation, your auto insurer would still have to be called, but it can be done from the dealership. Supplying the agent with the necessary information about the vehicle, with the intent of driving the car off the lot immediately, means an insurance binder can be issued. This insurance is then effective immediately. It will serve as your insurance policy for the new car until your agent can add the new car to your existing policy.

If you don’t have an auto insurer because you don’t have a car currently, the car dealership may be able to refer you to one. This circumstance is a little trickier to work around as you’re not updating a current policy, so an insurer is unlikely to insure you over the phone then and there. To be prepared for this, establish a relationship with an insurer before you buy the shiny, new set of wheels.

Never drive a car without auto insurance! If you can’t get insured right away, leave the car at the dealership. For the best value of auto insurance within the Thousand Oaks area of California, contact Integrity First Insurance Services!

Uninsured or Underinsured Motorist Coverage Thousand Oaks CA

Do You Have Uninsured/Underinsured Motorist Coverage?

Determine if your Thousand Oaks, CA car insurance covers these collisions.

Unfortunately, one of every seven auto accidents involves an uninsured motorist. This is why your auto insurance policy should maintain “Uninsured/Underinsured Motorist” coverage. This is designed to protect you and your vehicle if someone who had no auto insurance, or insufficient insurance, were to cause you to be in an accident.

While maintaining auto insurance is required by law in California, many slip through the cracks and drive with no insurance whatsoever. If a driver were to hold insurance but the expenses of an accident were to exceed their coverage, this would be considered underinsured. If you are in an accident with someone who has low insurance or no insurance and you have no uninsured/underinsured motorist coverage, you may be left to foot your own medical and car repair bills.

Be sure to check what your coverage is for the following:

  • Uninsured motorist bodily injury: Pays for reasonable medical expenses, pain and suffering, and loss of earnings for the driver and passengers that are affected by the accident.
  • Uninsured motorist property damage: Pays for repairs to your car when the damage is caused by an uninsured motorist.
  • Collision deductible waiver: When you purchase uninsured motorist property damage and collision coverage, your uninsured motorist property damage coverage is referred to as collision deductible waiver. This means that if the damage was caused by an uninsured motorist, your collision deductible waiver coverage will reimburse or waive the deductible payment.
  • Underinsured motorist protection: If the driver does have insurance, but the coverage limits are insufficient to cover the cost of damage to your car, you may have to rely on your uninsured motorist property damage coverage to pay the deductible.

So that you are protected from all forms of drivers and accidents, contact Integrity First Insurance in Thousand Oaks, California for all of your Conejo Valley auto insurance coverage needs.

Protecting Yourself Against Uninsured Motorists

How To Protect Yourself Against Uninsured Drivers

Ideally, everyone does what they should. As you know from the parent who did not pick up his or her carpool shift or the coworker who made you miss the deadline, though, that is not the reality in which we live.

In the same way, everyone should carry at least liability insurance to step in and protect you if they cause you or your vehicle damage out on the road. This is not just a moral responsibility; the law requires that drivers carry this type of coverage. The unfortunate fact of the matter is that many people simply break the law and are driving around uninsured.

What can you do? Are you left exposed to financial burden because someone else has not taken the time to secure liability insurance? Fortunately, no! You can safeguard yourself against these types of drivers with uninsured motorist coverage. This type of insurance will step in to pick up the tab if you get into an accident with a driver who is not carrying any type of insurance. You can also get underinsured coverage to protect you when the other driver’s insurance is insufficient to cover your damages.

This all may sound well and good, but you might think you are not willing to pay for extra coverage to protect against someone else’s mistake. The good news is that uninsured motorist coverage is one of the most affordable types of auto insurance out there, making it easy and cheap to fully safeguard yourself and your car out on the road.

Want to learn more about how this type of coverage could step in to safeguard you against irresponsible drivers? Do not wait to contact Integrity First Insurance in Thousand Oaks. We are here to craft the best auto insurance policy for your needs.