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The Different Types of Car Accident Insurance Explained

The Different Types of Car Accident Insurance Explained

Over 140 million workers commute to work each day, a number that steadily keeps growing. With more and more cars crowding the roadways, chances are high that you’ll be in a car accident at least once. Crashes aren’t limited to rush hour. People indulge too much at parties or on special holidays and then get behind the wheel, making the roads unsafe. When you’re in a crash, it’s too late to start thinking about what type of car accident insurance is available. Keep reading to learn about your options before you really need it. Liability Most states won’t let you drive a car without liability insurance, which covers the basics in case you’re at fault in a collision. Liability insurance handles things like paying for damage and injuries to the other party if you’re at fault. It’s always a good idea to carry coverage beyond what your state requires, just in case. The more protection you provide for yourself and your assets, the better. Comprehensive The majority of drivers- around 77% – purchase both liability and comprehensive insurance. Comprehensive is just like the name suggests – it covers a wide range of incidents. Get comprehensive insurance to cover losses due to bad weather, theft, damage from hitting a large animal, and more. Underinsured/Uninsured Motorist Protection Other drivers might not have as much coverage as you do, or any at all. Under-insured or uninsured motorist protection covers damages to your car in case you’re in an accident with someone who has little to no coverage. In South Florida, this type of insurance is critical since the amount of uninsured motorists on the road is so high. Collision...
Summer Driving: More Dangerous Than You Think

Summer Driving: More Dangerous Than You Think

Do you know the most dangerous time of year to be driving? Many people assume it’s winter because of dangerous driving conditions created by snow, sleet, and ice. But the statistics from the National Highway Traffic Safety Administration show that car accidents peak during the summer months.  Keep reading to learn more about why summer driving can be so dangerous and how you can keep yourself and your family safe this season.  Why Is Summer Driving So Dangerous?  We know that a car accident is a common occurrence during the summer months, but why is summer driving more dangerous than winter? There are a few factors that stand out.  First, there are typically more drivers on the road. Summer is a favorite vacation time, especially for families, and a lot of people head out on annual summer road trips. Summer also means more teen drivers on the road because they’re not in school over the summer. Additionally, there is more construction on the roads, and obstacles like detours can cause confusion with drivers which may lead to more accidents.  Motorcycles are another concern in the summer when riding conditions are best for much of the country. Motorcyclists that don’t have the ability to ride for several months out of the year may have weakened reflexes, especially in heavy traffic. Couple that with drivers being unaccustomed to checking for motorcycles, and those who may be driving in areas they are unfamiliar with, and an increase in motor vehicle accidents is almost inevitable. Tips For Driving Safe This Summer  There are a lot of reasons that driving in the summer is risky but there are some easy things you can do...
Can I Sue a Cruise Line for Personal Injury? What You Need to Know

Can I Sue a Cruise Line for Personal Injury? What You Need to Know

Over 12 million Americans sail on cruise ships each year. While most of these trips are fun and relaxing vacations, in some cases the unthinkable can happen. From the Costa Concordia shipwreck in 2012 to the Carnival Triumph disaster in 2013, accidents on cruise ships have left passengers seriously injured and even dead. If you suffer an injury while on your cruise vacation, can you sue the cruise line for this personal injury? You may be left with medical bills, lost wages, and emotional distress. What can you do about this? Read more below to find out everything you need to know in the event of a cruise ship accident. Can You Sue A Cruise Line? The short answer is yes, you can sue a cruise line – under certain situations. In order to sue a cruise line, you need to show that the cruise line was negligent. What exactly is negligence? Negligence is when the party fails to use reasonable care which causes damage or injury to someone.  For a cruise line, this means that they failed to provide a safe environment for their passengers. An example of this would be if you tripped and broke your leg due to a broken step on a staircase. If the step had been broken for some time and the cruise line was aware of it, this would be considered negligence.  In order to sue a cruise line, you will need to first check your contract. There are often stipulations in the contract for suing including a statute of limitations and certain disclaimers. What Type Of Injuries Can You Sue For? Some common examples for cruise lines include:...
Top Causes of Accidents Involving Young Drivers

Top Causes of Accidents Involving Young Drivers

If you have a young driver in the home between the ages of 15 and 20, you need to have a serious talk about automobile safety. In 2016, 2,433 teens lost their lives in motor vehicle accidents. Sadly, the number of crashes resulting in injuries is more than 100 times higher. When it comes to the leading causes of teen deaths, motor vehicle accidents are at the top of the list. The number one reason car accidents become deadly is the failure to wear a seat belt. It’s important for parents to reinforce the need to wear seat belts. Also, talking with your teen about safety on the road and not being distracted while driving is vital. Operating a motor vehicle without concern for safety is dangerous and can impact more lives than just the driver.  Keep reading for the top causes of accidents among young drivers. Texting While Driving We live in a world where people can’t seem to put down their phones. Even when driving, people continue to text and check social media. This can lead to distracted driving and fatal car crashes. Young drivers especially fail to see how dangerous this practice is. It places them and others in harm’s way. Bans on texting while driving are proving to be beneficial for road safety. States that have implemented laws that prohibit texting while driving are already seeing a decline in related accidents.  Young Drivers are Easily Distracted If texting isn’t bad enough, there are other things that distract drivers and cause teen car crashes. Loud music, too many people in the car, and not paying attention...
The Dangers of Summer Driving – 100 Deadliest Days of Summer

The Dangers of Summer Driving – 100 Deadliest Days of Summer

While summer usually means vacations and trips to the beach, it’s also a dangerous time for teenagers to hit the road. The AAA Foundation for Traffic Safety calls these months the 100 Deadliest Days because teens are more likely to be involved in a deadly crash. Learn why these days are so dangerous and what you can do to help your teen driver stay safe. Why Summer is Dangerous While car crashes are already the leading cause of death for teenagers, the summer months are even worse. According to the AAA Foundation for Traffic Safety, the time between Memorial Day and Labor Day sees the average number of fatal teen driver crashes climb 15 percent when compared to the rest of the year. Teens’ inexperience in dealing with a variety of driving situations, combined with more time spent on the road during the summer, is the main factor behind this increase. Teen Drivers Are More Distracted While inexperience plays a big role in the increase in teen driver crashes, it’s not the only reason. Distraction is blamed for nearly six out of 10 teen crashes. Teens already have a difficult time putting their cell phones down when they’re driving, and summer driving is no exception. Plus, you also have to add the distractions that come from having additional friends in the car. Speeding and Time of Day Play a Role In almost 30 percent of fatal crashes involving teen drivers, speeding is a factor. Driving instructors say speeding is one of the biggest mistakes teens make when they’re learning how to drive. Plus, the clear and warm weather conditions...