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Several Various Up-To-Date 2005 Motor Vehicle Accident Facts

By Dan Baldyga Email: dbpaw@comcast.net

Three years ago it was reported there were “An estimated” six million, three hundred and fifteen thousand motor vehicle accident’s in the United States.

Two years ago an average of 120 people died each day in motor vehicle crashes in the United States.

BELOW ARE FOUR VERY INTERESTING 2003 ACCIDENT “RESULTS”

#1. Motor vehicle accidents were the top third causes of Safety & Health Incidents in the United States.

#2. 86% of the (above) “Reported Accidents” involved only one driver. (I state “reported” because - - many were not)!

#3. 1/3 of them took place when drivers lost control of the vehicle and leaving the road. Another 1/3 were cause by the vehicle being struck from behind.

#4. HERE’S A NEW ONE! IT’S A “BIGGIE”! AND (AS OF RIGHT NOW IN 2005) IT’S JUST BEGINNING:

Hand held (or even hands-free) cell phones have begun to bring significant “PROBLEMS” to all drivers’ performances. It’s not yet exactly known how many of these “problems” caused an accident.

HOWEVER: There’s no doubt that operating a cell phone is far too dangerous to do while operating a motor vehicle!

THAT IS ABSOLUTELY NOT TRUE! “Why” you ask? The answer is, “Because passengers can react to what is going on around a driver where there is danger, and such conversations are absolutely no equivalent to a hands-free phone conversation”.

#5. In 2000, motor vehicle accidents medical costs exceeded 2 Billion dollars that accounted for about 20% of medical costs attributed to all injuries. As of April 7th, 2004, it was determined that throughout the world, more than one million people die each year because of transportation-related accident."

In America today over 5 people die every single day, because of a motor vehicle crash!

#6. Between 1992 and 2001, 13,337 people died from work-related motor vehicle accidents. The highest number of fatal-work related crashes took place in the transportation communications and public utilities industry = 4.64 deaths per 100,000 employees.

#7. In a 2003 study it was discovered that more people die in motor vehicle crashes than any other cause of injury!

THE FOLLOWING ARE 8 “FACTS” YOU MUST CHECK OUT WITH YOUR INSURANCE AGENT

You ask, “Why should I check these out via my Insurance Agent”?

The answer to that one is as follows, “Because the company that covers you for your Motor Vehicle Insurance will very rarely tell you”!

#1. Should it be decided that my motor vehicle is a "Total Loss" where and/or how does the insurance company you currently have me with determine what the true value of my smashed up motor vehicle is? (Perhaps they feel it would be less expensive if they called it a "Total Loss" rather than to get down to the nittty-gritty of repairing a motor vehicle their insured obviously, for any number of good reasons, wants to have fixed and keep)!

#2. “Am I entitled to payment for sales tax and registration fees for a new car”? (As of 2005 there are many states that do. So don’t let this slip out of sight because you may live in one that does).

#3. “In some states people are entitled to what is described as Diminished Value. Is that true of ours”?

#4. Ask your agent, “What does it mean to ‘Stack’ your coverage? Are you doing that“? If he isn’t ask your agent, “ If not how much money could I save or lose if you did it for me”?

#5. If you make a claim (for a small loss) ask him, “If I make this claim would that increase my rates”? (Perhaps you shouldn’t)!

#6. “Will my credit history dramatically affect my insurance premium”? (If that’s so what suggestions does your agent have to get around this problem)?

#7. “Will paying in installments increase my overall bill”? (If that’s true, because of the way he now has it set up, does he know how to get around this problem)?

#8. “Other than my own Home Owners Policy will the personal property in my car be covered by my auto policy”?

If he comes back at you with a flippant answer like, “Oh sure, don’t worry about that”, Ask him to show you exactly where that’s stated in your auto insurance policy.