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Are Early High School Start Times To Blame For Teenage Car Accidents?

Blog Writer — Thu, 09 Sep 2010 09:20:04 +0000

A new study in Virginia suggests that early school starts may be having an effect on the number of automobile accidents involving teens. Car crashes are the number one killer of teens in the United States; any new insights into this dreadful scourge could save thousands of teen lives each year.

The study compares the 2008 crash statistics of high school students in 2 neighboring Virginia towns. Dr. Robert Vorona, an associate professor of internal medicine in the Division of Sleep Medicine at Eastern Virginia Medical School in Norfolk, VA, authored the study.

Dr. Vorona relied on the Virginia Department of Motor Vehicles for data on the accident rates among drivers aged 16 to 18 in the two towns. The two Virginia towns, Virginia Beach and Chesapeake, have similar demographics but start high school an hour and twenty minutes apart, 7:20 am and 8:40 am respectively. The study found that Virginia Beach, with its 7:20 am start time, had 65.4 crashes per 1,000 teen drivers compared to Chesapeake’s, with its 8:40 am start time, 46.2 crashes per 1,000 teens. These figures equate out to a 41% difference in teen driver crashes.

While Dr. Vorona will not explicitly make the link between early high school start times and teenage car crashes, having been quoted as saying, “This study did not prove by any means that early high school start times led to increased rates of car crashes. Instead, it shows an association between early risers and car crashes.”

Dr. Vorona does however believe that when combined with other research, he suggests pushing for later start times, and goes onto to say that, “Early high school start times are problematic.” Speaking on these later start times, Dr. Vorona goes on to say, “Teenagers need over nine hours sleep a night, and it looks like a large number of teens don’t get sufficient sleep…part of that relates to the time that high schools begin.”

Other recent studies conducted on the correlation between sleep and teen behavior support Dr. Vorona’s findings. “There are data that demonstrate that lack of sleep has negative consequences for teens,” he said. “And some data show that younger drivers are more likely to have crashes when they have inadequate sleep.”

A leading Kansas City auto accident attorney and Dr. Barbara Phillips, of the University of Kentucky College of Medicine, both agree with Dr. Vorona’s claims. Dr. Phillips believes that teens are “biologically programmed” to become sleepy and wake up later than adults. “They truly can’t help it. They’re just not going to get sleepy at 10 p.m., so it’s hard for them to get the eight to 10 hours of sleep they need to get when they have to catch the 7:30 bus,” she says.

When you combine the lack of sleep with the act of driving, things turn dangerous. “Younger, inexperienced drivers don’t fare well with additional handicaps such as impaired alertness caused by having to get up earlier than is natural for them,” said Dr. Phillips. A leading Kansas City car crash attorney has witnessed first hand the dangerous combination that sleep-deprivation and driving can be.

Much like Dr. Vorona in Virginia, Dr. Phillips co-authored a study comparing car crash rates and the sleep of teen drivers. Hers in 1998 compared the crash rates for teens in Lexington, Kentucky after the school district instituted a later school start with the previous two years before the change in start time. The results of the study were conclusive; crash rates declined 16.5% in a period where teenage crash rates actually increased in the state of Kentucky by 7.8%.

Perhaps more states should listen to the research of Dr. Vorona and Dr. Phillips as well as the observations of Kansas City car crash attorneys and Kansas City auto accident attorneys everywhere and move high school start times back. The argument against doing so is that early start times allow for after school sports; there has to be a compromise because the world cannot afford to lose one more teenager to a car crash before their time.

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Easy Methods To Obtain Car Insurance For Young Driver

Blog Writer — Mon, 23 Aug 2010 09:30:15 +0000

Acquiring the most affordable car insurance for young drivers is any parents fantasy. To put it simply, teenage as well as young adult drivers are dear to insure. They have an inclination to get into more car accidents and are less cautious on the road than more skilled drivers. Nonetheless, there are paths to cut your insurance policy coverage costs but they probably are not easy things to put in place.

Several young drivers never imagine what issues and circumstances they will bring home to their parents. A few young drivers are watchful when they drive in order for them to develop the perfect driving track record which can help them to pick up cheaper car insurance for his or her car. If your car is an older vehicle, your insurance will likely be cheaper but just make sure you have some devices fitted along the lines of an anti theft alarm in addition to other car safety devices required to bring down your car insurance cost.

The statistics verify the unfortunate proven fact that younger drivers are at much larger risk of being caught up in a car accident. And the higher the risk, the higher the rate a car insurance firm is going to charge. But don’t quit yet. The one thing that many individuals usually don’t realise is that prices do vary from one firm to the next. This is because companies sometimes develop their own ranking structures and each focuses on offering insurance for specific groups of people.

Statistically, young drivers are prone to accidents and that is the reason their car insurance has an elevated expense in comparison with older and more skilled drivers. So the comprehensive type of insurance is best for the younger driver since it covers both your car and other vehicles if ever they have an accident or on the other hand, third party where fire and theft will cover the fee incurred by other drivers in case you have an accident or your car is stolen.

If you are able to afford to, why buy the lowest priced policy with limited coverage, as a substitute purchase the most effective insurance cover where all forms of protection is integrated. If your car is a brand new model, expect the premium to be increased, certainly if you wish to protect your investment should your vehicle happen to be stolen or caught up in a car crash. You will require the best car insurance coverage for it just as long as you’ll be able to afford it.

Young drivers could perhaps take some responsibility to assist lower costs. After all, sustaining a very good driving record is of the highest significance. Also, investigate if there are reductions offered for taking a driver training course or defensive driving course. Think about increasing your excess amount as well. You could reduce prices substantially by elevating a £100 excess to £250 or even £500. Try it and see how the cost of your annual coverage decreases significantly.

Also, the type of car that you want to get insured can really have an effect on how much you pay. Ahead of buying a vehicle, find out how much it costs to insure. A simple solution to get a good idea is to find out what insurance group it is in. Most sports cars and two litre sized engine cars will fall into the higher insurance group of 14. In comparison a one litre sized engine will have a a great deal lower insurance group and hence will be much cheaper to insure.

You can start your pursuit right now for car insurance for young drivers as well as buy cheap car insurance online guidance. Cheap Car Insurance R Us additionally specialise in ladys car insurance information.

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Top 5 Factors Determining Your Car Insurance Rate

Car Insurance Buyer — Thu, 19 Aug 2010 15:24:17 +0000

Auto insurance can be confusing and mind boggling sometimes and it?s hard to determine exactly why some individuals are receiving rates which are lower than others. There are many factors which contribute to the rate of auto insurance, some you have control over and others you don?t.

Below you will find valuable information regarding the factors which are compiled in order to determine the rate of your car insurance. These will help you understand important aspects of auto insurance and why some individuals receive higher rates than others. Here are the top five factors which auto insurance companies will consider when determining your rate of insurance:

1. Age ? Your age will greatly affect the rate of your car insurance. Teenagers and individuals who are just beginning to drive will have higher rates for no reason other than their age. There is nothing you can do about this, as you get older and become a more experienced driver your rates will go down. Although they will go down, they will not stay down. When you reach a certain age your car insurance rates will go back up because you are an elderly driver and your eyes and coordination may not be as effective anymore.

2. Auto Insurance Companies ? This is a factor which you have control over. Some car insurance companies offer lower rates than others for many reasons. It is up to you to choose which one will benefit you the most both now and in the long run.

3. Gender ? Whether you are male or female will also affect the rate of your car insurance. This is yet another factor which you have no control over. Females generally have lower car insurance rates because according to insurance companies men are seen as potential dangerous and careless drivers who are more likely to be involved in car accidents.

4. Type of Vehicle ? As much as we would all love to be driving a shiny silver Porsche Boxter all around town, the insurance rates for these types of vehicles are unreal. If you want your auto insurance rates to be low, I would suggest driving a car with a lower price tag. The more money your car is worth, the higher your car insurance rate will be.

5. Driving Violations ? This is another factor which you have control over. I know how tempting it is to race your friends the moment you get your license for the first time, but the amount of money you will pay in the long run hardly seems worth it. Any form of ticket you receive can potentially raise the rate of your car insurance. If you want to pay less for car insurance I would suggest abiding by the rules of the road.

Although these are the most important factors in determining your rate of car insurance, there are many other factors which also play a part in how much you will pay. Auto insurance is something we all have to pay for, but by researching and understanding the aspects of this form of insurance you are learning how to reduce your rate to your best ability.

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Process Of Obtaining Your Vehicle Insured

Blog Writer — Thu, 12 Aug 2010 14:32:52 +0000

In accordance with a latest survey implemented it has been comprehended that in the highly killer rival world of vehicle insurance field, about 1500 prospects are using daily the internet for vehicle insurance quote. Auto insurance is fast becoming a booming business trade while obtaining affordable vehicle insurance has become a latest phenomenon with the common man. Almost 1200 cases are registered everyday alone in the United States for car accidents. Individuals are becoming more serious about how to keep secure their automobiles and other types of transport against this type of case. The respond is vehicle Insurance. Vehicle insurance is concerned to the process of obtaining your vehicle insured. This process is taken in view if any type of accident or damage is brought to the automobile. The most crucial purpose of this cover is to give out safety in resistance to the losses sustained due to the misfortune. Auto insurance is utilized to cover a lot of automobiles such as vehicles; trucks and all other vehicles of transport that may need insurance cover and are more opened to damages and accidents.

Before getting vehicle insurance, it is necessary for you to get a detailed view of various car insurance rate or car insurance quote from more than one vehicle insurance can be various for different organizations, so it is your responsibility to carefully look for the insurance quotes and then decide which one is suitable for you and your auto. Vehicle insurance is considered necessary for the reason that there is many reckless and not liable driving viewing on the roads that lead to accidents everyday. The vehicle insurance quotes or other vehicle insurance quotes are customarily quoted by the companies before considering number aspects like, age of the vehicle holder, how old is the car, has the auto been damaged before also, location of the vehicle, is it second hand and other factors. The particulars as related to the car, like where it is being parked, whether the possessor keeps it in a garage which lessens the risk of being stolen and also the average the car is given at the moment it is being insured are some more crucial factors which are thought by the insurance quote company before giving the insurance.

If the auto travels not as much of as an accurate limit of miles then such vehiles are likely to be provided some type of mileage price cuts and discounts. Consequently, vehicle insurance is an incredible thing that we all require and should command careful investigation while making one’s vehicle insured from accidents. Rapid auto insurance quotes are easy to get, although it is not so much the speed that counts with online car insurance quotations, but the ability to compare a large number of auto insurance companies is a short period of time.

Anyone who is serious about finding auto insurance must start from a simple step – go and gather auto insurance quotes all over the Internet. As much as you can.

Funny, but lots of the people simply forget that we are living in the world where knowledge quickly enhances the quality of our life. Why not applying this to the topic of cheap auto insurance quotes or anything around this topic?!

That is why if you are properly armed with the knowledge in your sphere of interest you can rest assured that you will in any case find the solution to any bad situation. So, please make sure to track this web site on a regular basis or – best of all – sign up to its RSS. In such an easy way you will have a direct shortcut to the freshest informational updates here. Blogging can be helpful, you just need to understand how to use blogging power to find the best car insurance propositions.

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How To Get Affordable Car Insurance In Wisconsin

Car Insurance Buyer — Tue, 27 Jul 2010 20:49:44 +0000

Good behavior pays off, especially when you?re trying to get affordable car insurance in Wisconsin. Asking your auto insurance agent about good driver rewards, i.e. discounts on WI car insurance for those drivers with stellar driving records, is a great way to save money on auto coverage. In Wisconsin, you may want to talk with a car insurance company about good driver discounts after you?ve gotten your free online car insurance quote.

What if you don?t have a good driving record? Below are a few tips to help you fix that.

?Pay attention to traffic laws. Don?t run red lights, don?t ignore road signs, and don?t pass other vehicles in areas where it?s not allowed.

?Obey the speed limit. This is a crucial traffic law that many drivers tend to ignore, or forget about. It?s easy to get caught up in your thoughts or with the radio, but speeding not only gets you pulled over and ticketed, but it also causes car accidents.

?Satisfy court judgments. If you?ve been ticketed for any reason, make sure you promptly meet the requirements to satisfy the court judgment. This usually means paying a fine, but some locations may have other ideas for you.

?Enroll in a defensive driving course. Sometimes enrolling in a defensive driving course is required to meet court requirements, and sometimes you can enroll in such a course to delete points from your driving record. Even if neither situation applies to you, car insurance companies love to see you?re trying to improve your driving skills.

Simply put, drive safely and obey the law. Remember, it takes time to improve your driving record; however, it?s certainly worth it.

In addition to this helpful money-saving point, http://EZQuoteGuide.com provides a great number of tips to help you save money on auto coverage in Wisconsin. They even supply free online car insurance quotes to help you decide which auto insurer, and policy, to choose.

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Cheap Car Insurance For Young Drivers

Blog Writer — Tue, 20 Jul 2010 18:18:15 +0000

It seems rather a contradiction when a parent is looking for cheap motor insurance for young drivers. Adolescents as it is automatically tend to hike premiums by companies other than cars. There are, however, many insurance companies that offer cheap insurance for young drivers, even if there are too many of them. The most common way to get the cheapest quote is to find the quotes of various companies. The best way to do this is to do a search online to search for insurance rate comparison. Before you start looking for motor insurance for young drivers is useful if you can guarantee that there is no violation of traffic rules in the past one year. You can also get a cheaper quote if the driver is older than 19 years. Traditionally, for someone who has a negative record of traffic or a new driver to get a cheap motor insurance is not easy. In such cases, insurance companies tend to severely punish the car owner from charging a higher premium.

However, there are many agents who can help you get relatively cheaper motor insurance, even if it falls within the range of high risk. As one of high risk factors in search of cheap motor insurance, you can get paying higher deductibles. So, paying higher deductibles on collision, you can pay a lower premium.

But being a young driver with a policy of low cost motor insurance will not be covered if you are driving a rental car. So any accidents involving a rental car are not covered by insurance cheap. As a young pilot in another way you can take advantage of an economic policy of insurance for your motor insurance is to get limited. Get a limitation of coverage for your car means that there will be coverage of the windshield, and also there will be very limited theft coverage. So if you are getting your insurance through a company that normally offer to young drivers motor insurance, it is likely that you may end up paying a higher price than necessary.

To ensure that you get the best quote, go online and compare the rates of insurance companies that offer various motors insurance for young drivers. Doing a careful research and compare the rates offered by different insurance companies can save thousands of dollars. If you make a careful research can actually find several motor insurance companies specialize in offering the best deals for young drivers and drivers at high risk. Most of these companies are well known in the insurance sector. They are particularly known for offering great insurance rates for young drivers and companies are reliable. So it is good to deal with these specialized companies have dug as a way to make insurance cheaper for young drivers who are looking for automobile insurance at low cost. So go online and do a thorough research before you zero on any company.

If you made up your mind to find insurance, please start your search for the best insurance quotes on this site.

And also keep in mind that we live in the world where info makes life easier. These are not just words – this attitude can help you to find the best info about “cheap insurance” topic.

So if you are properly armed with the knowledge in your sphere of interest you can be sure that you will always find the solution to any bad situation. So, please make sure to get back to this blog on a regular basis or – the easiest way to take care of it – sign up to its RSS. Thus you will have a direct shortcut to the freshest info updates here. Blogs can be helpful, you just need to understand how to use the blogging informational power to find the best insurance for you.

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Be Careful On Dealing With Auto Insurance Companies

Blog Writer — Fri, 25 Jun 2010 07:33:07 +0000

There happen lots of car accidents in any country every year. In the end victims or clients are searching for something that can recover everything that was lost. Insurance companies are one of their options that can benefit them on any collision that happened.

There are legitimate companies, but there are some who are new and can not be trusted easily. Why there are many insurance companies that hyping many clients? They use a hit-and-run strategy which they gathered money from the clients and escaped with their money like a thief similar to high yield investment programs. Clients should be very careful in dealing with any insurance company that is in our surrounding.

In America, car insurance quote on the web make these companies put their plan into action just to fulfil their wishes. They can help many clients make a comparison of a few insurance companies until they make a decision about the selection of the right one that is suitable for them.

In the last few years, there are some clients complaining about their insurance premium benefits of any insurance company. It ends up with the closure of an insurance company as a notion of bankruptcy, which many victims suffer from debts and losses of their investments. If they try to shop for one company, they better look in an auto insurance quote website which can give them free quote.

Car insurance quotes are very significant for both a company and customer, which a company can think of writing his own car insurance quote premiums. For the companies they can look at their quotes from various websites and they can take it action at once to make their recommendations were embodied. There were also constraints when talking about auto insurance quotes because there were some law-breakers of insurance benefits and other offers as well.

One of the law-breakings or constraints with insurance premium issues are for people with driving records. They either break the rules of traffic or parking before accident happens on them. In this case, the websites that contain comparative review of any insurance company can give them a little chance to be involved in the insurance benefits.

There are auto insurance which are paid and free. These clients can request a free quote as their main status and they can choose to convert into a paid quote option. The only difference between a paid quote and free quote is that free quote allows only limited access to other features. From the other side paid quote can offer more benefits and quotes for the clients as they will be provided with anything that is considered to be exclusive for them. Any benefits of an insurance company are like a solution of their problems and they should do anything to be financially stable. You should select only the best car insurance company to work with. Be careful with other companies that have attractive for you unique features.

Now the part that is very important for your search of the free insurance quotes…

It is simple: a final piece of advice – today the online technologies give you a really unique chance to choose exactly what you require at the best terms which are available on the market. Funny, but most of the people don’t use this chance. In real life it means that you must use all the tools of today to get the info that you need.

Search Google or other search engines. Visit social networks and check the accounts that are relevant to your topic. Go to the niche forums and join the online discussion. All this will help you to build up a true vision of this market. Thus, giving you a real opportunity to make a wise and nicely balanced decision. Even if you believe psychics and read them before doing something, you don’t go or call somewhere – look around for free psychics as the Web has a number of them.

And also sign up to the RSS feed on this blog, because we will do the best to keep updating this blog with new publications about insurance price quotes and other topics of the big and versatile insurance industry.

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Cheap Car Insurance For Lady Students

Car Insurance Buyer — Wed, 16 Jun 2010 15:18:32 +0000

If you are a lady student, you probably feel like you have the weight of the world on your shoulders. You are in class everyday, paying attention, taking notes, doing your part to participate in class, only to run back to your dorm at the end of the day to get ready for an evening?s worth of work. After all, someone has to pay for your food and credit cards, right? Instead of leaving work for a nice, relaxing night of sleep, you head to the library to study for a big exam in the morning.

Stress, stress, stress!

One thing that does not have to stress you out is your car insurance policy. You see, since you are a lady student, you are actually eligible for two different ways to get cheap car insurance: the fact that you?re female, and your student status.

If you have purchased a car insurance policy on your own, your gender could get you a discount. Statistically speaking, lady drivers are safer drivers than gentleman drivers. This doesn?t necessarily mean that female drivers are better at driving than male drivers, but it does mean that the majority of lady drivers drives safer cars, gets fewer traffic tickets, and is involved in fewer car accidents than gentlemen drivers. Therefore, car insurance companies are more likely to give cheap car insurance to lady drivers than to gentlemen drivers. So, if you?re looking for cheap car insurance for yourself, make sure to ask the insurance company about discounts for lady drivers.

If you can?t afford to purchase your own car insurance policy ? period ? consider staying on your parents? car insurance policy. It?s better than driving illegally, and you can pay them for your part of the bill. Your parents? will get a discount for having more than one car on their car insurance policy, and your status as a student may even get them an additional discount.

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Car Accidents Claims And Insurance

Car Insurance Buyer — Mon, 14 Jun 2010 10:13:15 +0000

If you are not sure of your rights in a car accident that you have been involved in, you should consider consulting the best lawyer possible. You can rest assured that the insurance company will have lawyers to represent them.

Your claim is very important and you should not take it for granted especially if you have encountered a serious injury in a car accident. Claims vary differently depending on the type of injuries sustained. Severe injuries are generally classed as: losing an arm, fractured bones or losing any part of the body.

If you have been hospitalized for a long period of time, you should be entitled to a higher level of compensation. If you are unable to work because of disabilities you may be eligible for a lifelong compensation. The compensation for a disabled person will normally take into account the beneficiaries of the victim. He will also get the income he earns in a year.

Sometimes, being handicapped allows for the full compensation in filing for a claim. In order to get the compensation, you must choose the best lawyer who will not take advantage of you and your rights as a victim. Sometimes, the law takes advantage of the disabled person and of those who are not aware of the rules.

Claims and compensation will consider the nature and the duration of injuries. If you have recovered from the injuries in days, you will get a smaller compensation compared to severe injuries which might take a month or longer in the hospital to heal. You should not worry about the expenses because you will rightfully get your compensation as long as the case is adjudicated. Pain, suffering, and disability are all measured in determining a rightful compensation.

In considering your car?s insurance, make sure that you know what your insurance covers. Dealing with the accident requires investigation to know who is at fault, and to find out if the other party is required to give compensation to the victim. An accident lawyer is perfect for this situation. You might not be familiar with the rules of filing for a claim, but a lawyer will be.

The law requires car insurance intended for public use. So it is better to find out if your car is insured and the consequences that you may face should you have an accident. It is important to make sure that the statements that you are going to give to your insurance company are correct so that the claim will be handled accordingly.

If you don?t want to face these complications and procedures make sure that you are confident in your driving and knowledge. Car accidents are not be easy to deal with because they can be quite complicated. What is important is that you be given the right compensation for anything you have lost.

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Car Insurance Protect Your Second Wife

Car Insurance Buyer — Mon, 07 Jun 2010 16:57:53 +0000

Auto insurance in general, which includes car insurance is an insurance consumers can purchase for cars, trucks, and other vehicles. It?s mainly meant to provide protection against losses incurred as a result of car accidents and also thefts of vehicle. It also includes losses arising due to natural calamities. To have your car insured is mandatory by law. When you insure you get a “policy” which is based on a variety of factors including the type of car you drive, as well as what kind of insurance you want, as these policies are actually a package of different types of insurance coverage. They can be classified as:

? Liability – This coverage pays for accidental physical injury of the body and damage to others? property. Injury damages include medical expenses, pain or suffering and lost wages. Property damage includes damages to the automobile. This coverage also pays for defense and court costs. State laws fix how much liability coverage you must purchase, but you can also get more coverage if you wish.

? Collision – This insurance pays for damages to your vehicle caused by collision with another vehicle or object.

? Comprehensive – This coverage pays for losses or damages to the insured vehicle that doesn’t occur in an auto accident. The possible types of damages comprehensive insurance covers include loss caused by fire, wind, hail, flood, vandalism or theft.

? Medical Coverage – Pays medical expenses regardless of whose fault it was as long as the expenses are caused by an auto accident.

? PIP – Personal Injury Protection (PIP) – This coverage pays medical expenses for the insured driver, regardless of whose fault it was, for treatment due to injuries arising in an auto accident.

? Uninsured Motorist – Pays for your car’s damages when an auto accident is caused by another driver who doesn’t have liability insurance.

? Underinsured Motorist ? Pays for your car’s damages when an auto accident is caused by someone who has insufficient liability insurance to settle all your claims.

? Rental Reimbursement – This type of insurance will pay for a rental car if your rented car is damaged due to an auto accident. Often this coverage has a daily allowance to be paid for at the time of renting a car.

Certain insurance policies club together a number of these types of coverage. Depending on the laws that exist in your state you have to choose the insurance you want for your car. Even though the state may not require extensive insurance, extra coverage may be worth the expense as it is possible that you may be straddled with thousands of dollars because of an auto accident.

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