Travel Insurance 24

The world has become a very unsafe place. Many people are involved in car accidents every day in the United States. This is because Americans are always in a hurry and often are running late so they drive over the speed limit and end up causing car accidents to occur. Often drivers become distracted by ringing cell phones, songs on the radio, and people talking to them in the passenger seat which leads to serious accidents.

Many states now have laws that ban texting or talking on the phone while driving. However, many drivers now use Bluetooth devices which free up their hands and are legal but can still distract the driver. Cars are made safer now than they were forty or fifty years ago.

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What if you have to evacuate and leave a car behind to face nature’s fury? Are you covered?

Another police car rolls down the street, urging you to evacuate. You have loaded all the vital papers and family pictures into the van, and your wife is in the passenger seat urging the kids to buckle up. It is time to leave, and as you back out of the drive you realize there are two cars left behind. “I hope I’m covered…” runs through your mind as you join the line of evacuees on the slow march to higher ground.

Does car insurance cover flood damage?

Every year the television news shows cars under water, their radio antennae poking out of the brown lake where Main Street used to be. E

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I went to a local “Black Friday” shopping event for a great buy on a trampoline. I don’t care how much money I could save on a Christmas gift, I will never, ever, go through that again! However, thousands and thousands of shoppers will spend the next few weeks searching for the perfect gifts, and thousands and thousands of thieves will spend the next few weeks breaking into cars to steal them. ‘Tis the season, indeed.

Christmas gifts left in cars are easy pickings for car prowlers. Shoppers often drop packages off in the car, and return to the mall to continue shopping or have lunch.

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The cost of those seemingly cute, cuddly deer out in the streets is actually more than you might imagine.  Not only do they eat plants and crops, they can carry lyme disease and wreak havoc on your car insurance.  Allan Sloan’s Fortune article on CNN Money discusses the financial impact of what he calls “rats with hooves.”  That may be a bit harsh, but “The case against Bambi” has valid financial points.

State Farm car insurance says that 1.14 million accidents between deer and cars occurred in a one year time frame ending this June.  That cost drivers and insurance companies close to $4 billion in damages.  And if you include the accidents where drivers didn’t have any car insurance or comprehensive coverage, the cost of damages is even higher.  In the past five years the number of deer related crashes has increased by 21%, while the number of miles people are driving only went up by 2%.  The likely cause of that statistic is that there are a lot more deer out on the roads than there were five years ago.

The worst part is that deer are causing human fatalities in car crashes.  It is estimated that 140 people were killed just last year because of deer-vehicle accidents.  The top five states where accidents occurred were Pennsylvania, Michigan, New York, Ohio, and Virginia.  The fewest accidents were in Rhode Island, Alaska, Nevada, the District of Columbia, and Hawaii.  With fatalities and skyrocketing costs associated with deer-vehicle collisions, the author ponders whether eliminating some deer for the greater good of humans is the next step.