Archive for the ‘Auto Insurance’ Category

Last week the Arizona Republic reported an auto accident that occurred in Glendale. It is suspected that the insured driver hit the gas instead of the brake causing the car to go through the east side of the building. The property damages were assessed at $40,000. The questions I propose to all of my blog readers is..

If this were you, do you have enough coverage???

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Ford introduced a new safety feature in their 2010 Ford Focus. MyKey allows parents to limit the speed and audio volume of the vehicle.  The safety feature also provides safety belt usage, provides earlier low fuel warnings. For the speed precaution feature the device can create a chime sound as the vehicle gets higher and higher in speed to warn the driver to slow down.

 Motor vehicle crashes is the leading cause of death for teenagers. With 16 year old teens having a higher crash rate than any other age. In 2008, 3,500 teens in the United States between 15-19 were killed.

 Hopefully technology like this can help reduce the number of motor vehicle accidents, not only among teens but all ages. Ford’s research for the MyKey program shows that 75% of parents like the idea where 72% of teens didn’t like it.

 For more information on the MyKey program : http://media.ford.com/article_display.cfm?article_id=29172

According to Insure.com an Arizona driver that pays the annual  rate of approximately $1152 per vehicle  and has an annual income of approximately $42,000 pays around 3 percent of his or her gross income for auto insurance alone.  Arizona was the ninth most expensive state to insure your vehicle, according to new documents we have moved to the 43rd.   Louisiana is ranked number one ($2500 per vehicle) for the most expensive state to insure your vehicle and is closely followed by the state of Michigan ($2098 per vehicle).  Currently, Maine is the most affordable state at $900 to insure your vehicle. 

Why such a difference?

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Yesterday was the official beginning of monsoon season here in the valley. In 2008, the National Weather Association decided that instead of guessing when the monsoon season would begin that they would give the season official dates. The dates are June 15th through September 30th. Even though these are the official dates of the season, the average starting date is July 7th. Normally the season will leave us on September 13th. What qualifies as a monsoon day? The dew point average must be 55 or higher. In history the worst monsoon season that Phoenix had ever encountered was 1984. It was the wettest with over 9 inches of rain!! 1984 also had the most consecutive days, coming in at 72.

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Texting is HUGE now. We all know the dangers of texting and driving. But, do you follow the rules and avoid texting when driving?? Driving down the road and you hear the beep.. new text message waiting. Your curiosity gets the best of you and you just want to know what it says.  According to Car and Driving Magazine texting is more dangerous than driving while drunk. They tested reaction times and the results were:

• Unimpaired: .54 seconds to brake
• Legally Drunk: add 4 feet
• Reading an email/ text: add 36 feet
• Sending a text: add 70 feet

So how do you stop the curiosity??

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80% of all auto accidents are caused due to eating and driving. Also 65 % of near misses are because people are more concerned with their burger than the road.

 The 10 worst food or drinks to endure while driving are:

1. Coffee
2. Soup
3. Tacos
4. Chili dogs
5. Hamburgers
6. Ribs & Wings
7. Fried Chicken
8. Jelly Doughnuts
9. Soda
10. Chocolate

According to a study taken by ExxonMobil Corp 70 % of drivers eat while driving and 83 % of drivers drink beverages. Even as people become aware of this risk. It doesn’t seem that they will ever stop. Eat and run is all to common these days.

 Remember that having an accident will increase your auto insurance rates. Please be careful out there. Call AnCap Insurance with all of your insurance questions or to get a quote

This morning on azcentral.com there was an article about a teen who took the parents car without consent. The boy was told by his parents that he was not allowed to take the car unless going to specific places. He decided that he could get around the disciplinary action, and went out with his friends.

There was an accident with serious injuries.

Who is liable the parents or the kid?

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