Did you know that the average driver will have three to four car accidents in their lifetime?

In 2013 the Average:

*Liability Claim for Preperty Damage = 3,231
*Liability Claim for Bodily Injury = 15,443
*Collision Claim = 3,144

When shopping for vehcile insurance make sure you have all the insurance cover aqge you need to insure and protect yourself

When you received your auto insurance police, make sure your vehicle information is listed properly on your auto insurance policy.  Little inaccuracies can make a big difference in your auto insurance rates, Believe it or not, mistakes like this are quite common: incorrect mileage listed, mistaking a 4-door vehicle for a 2-door, and the wrong model of vehicle listed (since so many model names sound very similar).

Dental Plan Decisions

The dental plan decision making process is not an easy task when purchasing coverage for yourself, family, business, or your employees. There are many dental plan decisions to make. Such dental insurance decisions include considering a PPO (Preferred Provider Organizations), HMO (Health Maintenance Organization), dental indemnity insurance plans, and discount dental plans.

By buying a low-risk vehicle (which is based on the cost of the vehicle, plus safety and theft data) and/or a low-profile vehicle (one that is less likely to be stolen), then your vehicle insurance rates will normally be lower.

Your auto insurance premium is tax deductible for business use.  Simply determine the amount of time that you use your car for solely business purposes.  For example if it’s 30% of the time, then 30% of your auto insurance may be deductible.  It may be to your best advantage to take the flat per-mile reimbursement instead.

Did you know that your personal items lost due to vehicle theft are not covered by your auto insurance policy?  However your homeowner policy covers these items instead.  If you regularly have expensive items in your vehicle such as laptops and a GPS device, you should carry a rider to cover those expensive items. It is also a good idea to take and keep photographs of those items.

Towing and labor coverage: Towing and labor coverage pays for towing charges when your car can´t be driven. Also pays labor charges, such as changing a flat tire, at the place where your car broke down.

Underwriter: Underwriter is the person who reviews an application for insurance and decides if the applicant is acceptable and at what premium rate.

Underwriting: Underwriting is a process an insurance company uses to decide whether to accept or reject an application for a policy.

Uninsured/underinsured motorist (UM/UIM) coverage: UM/UIM Pays for your injuries and property damage caused by a hit-and-run driver or a motorist without liability insurance. It will also pay when your medical and car repair bills are higher than the other driver´s liability coverage.

Tesla has improved Model X pinch sensor function in its latest over-the-air update. As we’ve seen, the pinch sensors already stop the falcon wing doors from completely shutting when they sense an obstruction. Now, though, the doors retract slightly after the sensors are triggered. While the pre-update doors didn’t appear to do as much damage to human fingers as they do to various foodstuffs, it definitely looked uncomfortable, especially when one’s hand is stuck in the partially closed door. Now, any pinch that does occur should be brief

Understand what is vehicle insurance and how it help to protect you is helpful and takes the pain out of buying it. Vehicle insurance helps to protect you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

* Property coverage pays for damage to or theft of your car.

* Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

* Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you are financing a vehicle, your lender may also have coverage requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it is time to renew the policy and to pay your premium.

Ford has gained a big advantage in one of the most competitive segments in the auto industry. The company’s F-150 SuperCab was the only one of nine pickup trucks tested by the Insurance Institute for Highway Safety to earn a “good” rating on an influential new crash test. The vehicle joins its SuperCrew sibling as the only large pickups to earn the organization’s “Top Safety Pick” award when equipped with a collision warning system

You can obtain quotes for more affordable dental insurance plans from companies online and through your local insurance agent or broker. Please keep in mind that there are many web sites who give the appearance of selling dental insurance but instead only offer a dental discount plan which is not insurance.

Your dentist may also have affordable dental plan options available to patients.  Ask the receptionist if they partner with a dental plan company and see if one might be right for you.

Automatic braking systems cars are rapidly becoming more commonplace, and they will be standard on the majority of new cars by 2022. Although these features will eventually become standard, the American vehicle Association (AAA) discovered that their abilities are anything but.

AAA tested five 2016 vehicles, a Volvo XC90, a Subaru Legacy, a Lincoln MKX, a Honda Civic and a Volkswagen Passat to see how each car’s braking system reacted when a crash was imminent. Each of these cars had one of two kinds of emergency braking: a collision avoidance system or a collision mitigation system. The collision avoidance type attempts to avoid a crash altogether and can even fully stop the car before hitting an object ahead of it. A collision mitigation system, on the other hand, isn’t designed to totally prevent a crash. Instead, it tries to slow the car down to reduce the damage from the crash. AAA determined from the vehicles’ owner’s manuals that the XC90, Legacy, and MKX all have systems designed to try to prevent a collision, while the Passat and Civic are only able to mitigate a crash.

If you belong to a professional association, you might be eligible for a dental insurance or discount dental plan. Many associations partner with a PPO to provide their members with dental plans that offer very comprehensive insurance coverage at more affordable prices.

Finally, dental schools may offer affordable dental services. Dental schools seem to be safe, but can be inconvenient and treatment for one problem may have to be addressed in multiple office visits.

As automakers and tech companies work on perfecting autonomous vehicles, governments are working to ensure the safety of the public. That’s a large reason for creating self-driving cars in the first place, as it is hoped they can be programmed to make fewer mistakes than human drivers. Technology has the ability to respond more quickly to problems that arise, and robots don’t get tired, distracted, or drunk. Google has been testing self-driving cars for some time now, and has been reporting its results as required. In order to continue advancing its research, Google pressed the National Highway Traffic Safety Administration to fast-track rules governing the testing of autonomous vehicles.

Nonprofit consumer safety organization Consumer Watchdog has some major concerns about that, and has made requests of its own to NHTSA. First and foremost, Consumer Watchdog wants a driver behind the wheel, and asks NTHSA to require that autonomous cars be equipped with a steering wheel, brake, and accelerator in case a human needs to take over the controls

Uninsured motorist coverage, reimburses you when an accident is caused by an uninsured motorist or in the case of a hit-and-run. You can also purchase underinsured motorist coverage, which will cover costs when another driver lacks adequate coverage to pay the costs of a serious accident