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Car Accident Aftermath Economic Costs And Legal Consequences

The US Department of Transportation said that car accident is one of the leading preventable causes of death in the country, killing at least 43,000 people every year.

With the seriousness of car accident aftermath, many studies have focused in finding the causes and trends about this preventable accident.

Some remarkable findings about car accidents conducted by the Fatality Analysis Reporting System in 2007:

Thirty-two percent of deaths involving car crashes was caused by drunk driving.
The occupant fatality rate decreased by 8.5 percent compared to the previous year.
Twelve midnight to 3 am is the period when most car accidents occurred.

Economic Costs (based on the study made by motorist advocacy group AAA)

Each year, car accidents cost each American more than $1,000 (the cost includes police service, lost of productivity, property damage, medical expenses, emergency service, and loss of lives).
Auto accident is two-and-a-half more expensive than traffic jams in the country. According to the advocacy group, road congestion costs around $67.6 billion every year, or $430 for each individual.
People living in urban areas with a population of more than 3 million pay two times the cost of traffic jams for car accidents.
People living in small towns with a population of less than 500,000 pay seven times the cost of traffic congestion.

Legal Consequences of Car Accidents

If a driver hit a pedestrian and did not stop, it is considered to be a criminal offense.
In the US, personal injury claims is the most common type of tort law that will allow victims to be rightfully compensated.
Some states administer the suspension of a drivers who has violated the traffic rules.
In some states like South Carolina, all traffic violations have been criminalized.
Some states have its criminal law separate from its traffic law.

Some Common Causes of Car Accidents

Using mobile phone while driving. In California alone, nearly 4,700 car accidents involved cell phone use behind the wheel, resulting to 30 deaths and 2,800 injured every year.
Road design. According to a study, nearly 30 percent of car accidents are caused by poor roadway design.
The vehicles design and its condition. According to a study, SUVs are prone to rollover crash with its higher center of gravity. Some vehicles which are vulnerable to rollover are: Isuzu Trooper, Suzuki Samurai, Ford E-series, Ford Bronco II, Mitsubishi Pajero and Montero, and Jeep CJ.
Poor vehicle maintenance. Breaks and tires which are in a bad condition are one of the most common causes of road accidents worldwide.
Driving above or below the average speed. According to the US Department of Transportation, driving below the average speed makes people more vulnerable to accident than driving above the speed limit (this finding contradicts the common belief that slow drivers are safer).
Driving under the influence of alcohol. This substance is proven to diminish a persons reflexes and decision-making skills, making him prone to road accidents.
Heavy rain or snow. Bad weather condition also accounted for many car crashes in the country.
Reckless driving.

Kansas City Bad Credit Car Dealership – Here to Help You

Do you have a bad credit history? Are you having trouble getting a dealership to take a chance on you? You aren’t alone. In these tough times when jobs are scarce and the economy is up and down, but mostly down, it can be brutal trying to find a car when you need one most. Even in Kansas City, where dealerships are plentiful, it can be hard to find a Kansas City bad credit car dealership who works with buyers who have a less than spotless credit history. But, they are out there; it just takes a little looking around to find them.

If you have little or no credit because of poor choices in the past or because you were hit hard during the economic downturn, there is no reason you shouldn’t be allowed the opportunity to rebuild your credit. In Kansas City, bad credit car dealerships know how to work with prospective buyers like yourself so that you can be driving off the lot in a new pre-owned car in no time. With in-house financing, these dealerships are eager to give you that chance you’ve been waiting for and just like you, they want to see you driving off happy, able to do what you need and go where you want.

Kansas City and the surrounding communities have become some of the most commuted areas in the country. If you live in Kansas City, but work somewhere like Olathe, or Lawrence, you must be able to have a dependable ride to get you back and forth. And, while family, friends, and co-workers may offer to give you a ride, there’s no guarantee that one day they won’t be able to because of illness, obligations, or their own car trouble. It’s important to have the security of your own vehicle. Not only that, if you are someone who needs to rebuild their credit history, paying for a car is one of the best ways you can do this.

Don’t let the fear of hearing a no stop you from pursuing your need to have a dependable car. In Olathe, there are bad credit car dealerships just waiting to help you turn your situation around. With a down payment and as little as three months proof of income, residency verification, a Kansas driver’s license and the ability to have full coverage insurance or being willing to sign up for an in-house program that provides additional coverage with your liability, you can be driving home today in pre-owned vehicle that’s in like-new condition, taking charge of your life once again.

Citizens Auto Insurance Michigan

In United States, there are indeed several insurers that use the word “Citizens” for their companies names. One of the most popular among all of them is the Citizens Insurance Company of America. It is based in Michigan and a subsidiary of The Hanover Insurance Group, hence Citizens Auto Insurance Michigan. Although the companys headquarter in Howell, Michigan, it operates in many regions of the Midwest.

Basic Auto Coverage

The Michigan auto insurance is based on no-fault policy. That means your insurer will pay for all the necessary medical cost, rehabilitation expenses, and even provide reimbursement for lost wages in case you are incapacity to work due to road accidents for up to three years. The no-fault policy is considered as the most generous type of insurance policy because it provides payout regardless of who is at fault in the accident. The main purpose of such regulation is to prevent lawsuits being filed in the case of accident unless someone is severely injured or killed. It simplifies things.

Car insurance in Michigan is one of few that apply this no-fault regulation. Currently, there are only 12 states in the country providing the benefit. The official website of Citizens Auto Insurance Michigan does not provide information about this because all information about coverage, discounts, etc., is available at The Hanover Insurance Groups website.

The basic auto coverage liability requirement for drivers in Michigan includes PIP (personal Injury Protection), Property Damage, and Bodily Injury. Auto Citizens Insurance Michigan, however, does not limit your options to those basic policies. Optional coverage is available, but you may need to check for it at the official website of The Hanover Insurance Group. Among all options provides, the Connection Auto feature allows you to customize your coverage depending on what you need. This feature has some good options for example Roadside Assistance, Travel Right Endorsement, Rental Coverage Upgrade, Extended Non-Owned Auto Coverage, and more.


Based on last years report, Citizens Auto Insurance Michigan has been affirmed to have an “A” (Excellent) financial rating by A.M. Best, a reputable independent insurance reviewer. The rating was for the parent company, but it also applied to all of its subsidiaries. The FSR (Financial Strength Rating) and ICR (Issuer Credit Rating) of “A” have been confirmed to many of its subsidiaries including Citizens Insurance Michigan (Citizens Insurance Company of America).

Factory Car Radio, Factory Car Navigation

What makes a factory car radio better?

This question is asked by many. There are many who do not know any of the benefits of a factory car radio. There are many who do not even know the difference between a factory car radio installation and a radio that has been installed by a technician or consumer. The quality of a factory car radio is quite a bit more and the sound that the factory car radio can produce is by far better. That isnt all though. A factory car radio will last much longer than any system that is installed.

What is factory car navigation?

A factory car navigation system is a system that assists you in reaching your designated location. All you need to do is enter the name of the place you are going or the address and your factory car navigation system will guide you with routes that are marked clearly and directions that are give on a turn by turn basis. There are even some factory car navigation systems that are voice enabled. So you dont even need to look at the screen. Just listen to the nice voice that is talking to you and you will reach your destination almost effortlessly. If you do happen to miss a turn, your factory car navigation system will regenerate the directions and get you where you need to be. The factory car navigation system is installed into your dash for easy access. You can upgrade to a factory car navigation system that features many things such as touch screen, a map for points of interest, gas station locators, restaurant locators and many other features.

Choosing factory car radios and factory car navigation systems

When you purchase a car, you have the ability to include custom features. One feature is including a factory car radio. Your factory car radio can include touch screen, a flip out DVD player, Bluetooth and more. Your car dealer can provide you with the many options that are available. A professional will then have your factory car radio installed before you receive the car. Of course, you have the option to just keep the factory car radio that comes with the vehicle. You might like its features better than any other that you would have to pay extra to be installed. The choice is yours. Choose wisely as you will want to love your factory car radio for some time to come.

Most new cars come with a factory car navigation system. These systems are quite beneficial as listed above. Never get lost again. If the car you are purchasing does not come with a factory car navigation system, you can request that one be installed from the dealer. It may cost a little more money but it is well worth it.

So, by now you have figured out that factory doesnt mean poor quality. A factory car radio will last longer than most devices that are installed. You will find much enjoyment with a factory car radio. A factory car navigation system will be your best friend, especially for those who travel a lot. If you are like me, it is easy to get lost and that is all you need when you are on a trip. Factory car navigation systems are a great benefit. So, be sure you have one before you drive off of the lot.


Learning A New Language While Driving Your Car

Spanish is one of the most diversely spoken languages in the world. It is estimated that up to 400 million people currently speak it as their first language with many more learning it. In countries like the United States, it is growing in popularity as a second language. One way to learn Spanish is using an audio course that comes on a CD or Mp3 format. After reading it you will know that how to learn Spanish through audio on CD or on Mp3. By listening to audio files, it is almost like that you are in that foreign country or talking to a fluent speaker face to face. Look atthe most popular and effective Spanish course. Read the review of Rocket Spanish course at click click here rocket spanish.
If you are looking for a course which will help you to study Spanish, then audio components is best for you which is the most important part of the course. The things that you associate to learn the language, is reading and writing, which are important for course, but they are not essential. Again, you have to learn to talk your native tongue long before you ever learned to read or write. So talking is the most important skill to have. It is also the hardest part of learning a language because you have to perfect a number of skills. You have to be able to pronounce words correctly. You have to be able to comprehend what is being said to you to hold a conversation. And you have to do both of these things quickly if the conversation is to flow naturally.
Spanish audio CDs or Mp3’s give you the opportunity to learn and practice these core skills without the pressure of talking to another person. You can use many of these courses wherever you want, in your home, in your office, in your car, or in your garden, where you want to learn. Many people choose to listen to them in the car when they are going to or coming from work each day. This makes sense to some extent because there is nothing more frustrating as being stuck in traffic for many hours each day. However, it is debatable whether you can give your full concentration to the course while driving at the same time.
The great thing about the audio based course is that you can listen to the exact pronunciations of every single word from a native Spanish speaker and you can take it with you pretty much wherever you go, you can listen to it in the car, on your MP3 player while jogging, walking the dog etc. If you think that you would like to learn to speak Spanish by listening to audiobooks you can learn the language visit synergy spanish reviewed.

Car Insurance With No more Deposit To Cover In Advance

Those above mentioned happened to be just some together with different ways through which you are usually able to much lessen your car insurance quote. Having the leading prices on your own investment could be a important agenda as it might possibly help save important deal of profit coming in while effectively preserving the liability present in your car.

And if you are researching to get Florida car insurance, they is important to actually know what a person’s minimum requirements perhaps may be for auto program in the claim. For example, in the event of death or perhaps even injury that typically caused by this particular car accident ~ the minimum phone coverage is $10,000. As for accident, the minimum insurance policies is $20,000. Lastly, for property and assets damage, the the smallest amount of coverage is $10,000. The region does not need to drivers to will need collision or step-by-step coverage unless specific drivers are loan holders – and that in this bag they have to make sure you.

Every needs to obtain car insurance for a day not just recently because its important by law, but yet because is these best way and protect your bankruptcy assets in case that you be in to an accident. But yet there are several types of rrnsurance coverage and multiple racers car insurance often is for those which have more as opposed to one car that want to make sure that.

There can be no doubt that a lot of we live in a litigious serious to solve .. Unfortunately, which in turn and rising vehicular costs have contained a direct have an effect on on car insurance rates. Viewers have to be creative and secure ways to greatly reduce their premiums as well as lighten the populate on their credit cards. Following are already 7 ways then you can slash typically the costs of their car insurance fees.
Have you recently just lately presented with some of the issue of jewelry armoire car insurance 1 day in Arlington and had to positively just throw your incredible hands up wearing utter disgust and disenchantment? And that’s perfectly understandable since we have concluded the very incredibly action and with the same results, still without auto insurance in Kansas. We provide have good media reports for you actually in that hardly any longer do yourself have to be very frustrated with chasing car insurance all through Arlington and such as we have just exactly the site which will will take management of your unabbreviated quote needs.

Keep on a flawless all time high – On unquestionably the subject of observe your premium amount, insurance companies take into account a number factors as part of their evaluating process. Just one of those does include your driving record, which helps these items gauge if being a liability for their mind. Any prior racing convictions would only possible raise the high quality amount in the particular insurance. Hence, i suggest you maintain a classic record simply put it carrier won’t extra price you.

One more reason why an accident can maximise your premiums when you are ‘at-fault’ in an wreck is that available are some installers who will don’t insure you. When there are less competition for your business, than there is a reduced amount of incentive to pass on you a advantageous deal. So a result, your insurance quote probably will be higher. When you post the insurance ‘points’ into the mix, it is clear-cut to see why an accident do become very beloved. If any person have a faultless driving record, this situation is unlikely through which your premiums are going to increase after an effective accident that had determined not toward be your pin the blame on.

If the insurance enterprise investigation reveals when the unlisted taxi driver has a awful driving record, you can be definitely sure that this in turn will be exploited against you when your auto rrnsurance plan rate is decided at the end of your an insurance plan policy period. By association, if, perhaps you allow each irresponsible driver towards operate your assured vehicle, your likelyhood scoring increases. The higher the risk, the significant the rates. And, if i would say the insurance company possibly can determine that the actual unlisted driver does not have the actual own insurance, any insurance company will certainly want to be able to know why? Is it when that driver health with you?

Turn Your Golf Car Into A Hunting Vehicle!

Plain white golf cars are a thing of the past. Today, there are literally thousands of extras that can be added to your car that will not only change the look, but also how you use your golf car as well. One of the latest, and most popular uses for a golf car is hunting.

Golf Carts can be turned into awesome off road, or hunting vehicles with little effort! When you combine the light weight of the cart, with the lack of engine sound, golf carts have great potential to be a valuable resource to the everyday hunter. Turn your ordinary golf car into a hunting or off road vehicle with just a few modifications.

Traditional golf carts are becoming more popular with hunters for several reasons, but one of the most notable is the difference in the sound coming from the vehicle. It is difficult to be quiet when the ATV you are sitting on it so loud. Carts put out substantially less noise, and therefore are better for hunting when sound is an issue.

There is also a plectra of hunting accessories available, from items that help mount your guns, to camouflage to hide you from your prey.

But how can you get it into the same places that you would traditionally take an ATV? You can not find All Terrain tires that will allow you to take your golf car into places that you not traditionally take it. These all terrain tires are very similar to the tires found on ATVs and UTVs.

Do you not have the time to complete the modifications needed to turn your plain cart into a hunting machine? Many dealers are not offering these carts ready made.

The Strategic Role of the Operations Function in the Car Audio Industry

From a manufacturers point of view, to identify the strategic role of the operations function is vital in the business success. This is also true in the car audio industry. Before judging or evaluating the contribution of operation of a car audio manufacturer, it is important to know the role of the operation function in the first place. In other words, to understand the exact parts that it plays in the company. In the car audio company of car stereo, car radio and auto radio, the operational managers will fail to identify whether the operations in progress are really building a long-term success of the business, if the role of operations functions is not fully understood and appreciated in the company.

Before going for the role of the subject, a car audio supplier must figure out the core value, the mission and vision of the company at the first stage, as the role is based on this core information of the company of car stereo, car radio and auto radio. Then the next step is to understand the underlying rationale of the operations function in the company, which is more than just the tasks or responsibilities. The operational managers can treat it as simple as the reasons that the operations function exists.

With the very reason why the operations function continuously exists in the company of car stereo, car radio and auto radio, an operational manger can understand the major three roles, which are the implementing, supporting and driving of the business strategy.

1. Implementing the business strategy.

Implementing the business strategy is the first role. For most manufactures like the Car Audio Group, it is common to have some kind of strategies to win its business success. These strategies are put into practice by operations within the company. A business strategy is invisible; people can only experience how it works in the real practice. For example, if a supplier of car audio, car stereo, car radio and auto radio launch a sales campaign targeted in the new car owner market in the hope of increasing market share in this special sector, suitable marketing operations is supposed to be planned to attract new car owners. Discount prices and promotional activities may be arranged throughout the campaign. In terms of customer service operation, the company may build a new customer service team to improve the satisfaction of the customers. Most importantly in the product development operation, the new function may need to be built on the products of car stereo, car radio and auto radio. The value of the role of implement of business strategy is very significant for the company, because business will not be successful without a capable operations function even though the business strategy is carefully planned.

2. Supporting the business strategy.

A second role is to support the companys strategy. In this role, it must integrate and develop resources to facilitate all activities to let the organization achieve strategic goals and objectives. Take a car audio manufacturer of car stereo, car radio and auto radio for example, if the manufacturer is trying to be the leader in the market for an available new product innovation, its operations function must be capable of dealing with changes and unexpected difficulties that the new innovation will bring. It must have new process or production line to support the production of new designs. It must also have comprehensive training courses for the staff to keep updated with the new functions and put the changes of operations in practice. A strong relationship with its suppliers is supposed to be built, for the quick response on novel materials sourcing. The operations function is also supposed to adopt a different practice and objectives if the car audio manufacture decided to change its strategy.

3. Driving the business strategy.

Driving the business strategy is a third role, to develop long-term competitive advantages for the company. Any bad practice such as low-quality product, broken promises, unsatisfactory services and limited choice of model numbers will ruin the business strategy, let alone the long-term business success. On the contrary, if the manufacturer of car audio, car stereo, car radio and auto radio can provide continuous good products, fast delivery, satisfactory customer services, it will drive successful business strategy, and finally contributes to successful business success and positive company image. All these short-term and long-term success will not to be built with good operations function. An operations function of a car audio manufacturer that is offering both short-term and long-term advantages is driving the business strategy to meet business goals and objectives. Moreover, if the operations function of a manufacturer is able to cope with uncertain challenges of market of car audio, car stereo, car radio and auto radio in the future, it will certainly bring future success for the company.

Dangers of Aquaplaning and slush planing

When driving on a dry road in the summertime, drivers hardly have to think about their tyres. When a thunderstorm breaks or a persistent summer rain fills the grooves in the road or a slush-weather occurs in between harder winter conditions, it is quite a different ballgame. The danger of aquaplaning and slush planning can be felt in the steering: it is difficult to control the car, especially if the tyres are in poor condition or worn out. The best way to prevent aquaplaning and slush planning is to use new tyres. Even new tyres do not completely eliminate the risk of aquaplaning or slush planing, but it is possible to control the car as long as you adjust the driving speed to the conditions.

From the viewpoint of traffic safety, it is important to have both winter as summer tyres with the proper groove depth and properties to suit the weather conditions. When there is excess water or slush on the road and the driving speed exceeds a certain limit, the tread pattern of the tyre no longer pushes aside the water or slush from underneath the tyre. The feel between the tyre and the road will be lost, and so will the grip.

When there is less than four millimeters of tread on the tyres (in Norwegian: dekk), the tyres’ wet grip and aquaplaning as well as slush planing properties essentially deteriorate; the risk of aquaplaning and slush planing, in particular, greatly increases. Furthermore, the breaking distance is longer and the car will skid easier. Tests conducted by Nokian Tyres show that with a worn-out tyre (tread less than 1.6 millimeters, approximately 5 millimeters of water on the road), aquaplaning or slush planning will occur when driving in a curve at the speed of 80 km/h, whereas the aquaplaning and slush planning speed for new tyres is 95 km/h.

When the driving speed increases and the tyres wear out, the contact area between the tyre and the road is dramatically reduced. The contact area of a vehicle with worn-out tyres, 1.6 millimeters, is only 16% when compared to a stationary vehicle.

Dead Car Battery – The 4 Methods To Jump Start A Exhausted Battery!

The simple means to see to a flat battery is through jump-starting it. All that you require to jump-start your auto is some jumper cables and a rescue van with a operational battery. Bear in mind that you ought to in no way attempt to jump-start a van when its battery is evidently cracked or else scratched and you can spot battery acid leaking out. Thank goodness there’s a cool piece of electronics referred to as a battery tender that will keep your battery completely charged.

Need to jump start your car? Go with these four steps…

>>>> Step Number 1). Have the rescue van pull in a close as achievable to the van with the exhausted battery [nose-to-nose], or else side-by-side facing the same direction, the spot will rely on which side the battery are on. Hook up one end of the positive cable[ RED] to the positive [+] terminal on the [rescue] car’s battery, and the other end to the positive [+] terminal to the positive terminal to the lifeless battery. [ Bear in mind the positive terminal is RED].

NOTE: Make certain the rescue car’s motor is not running.

>>>> Step Number 2). Hook up the negative cable [-] BLACK to the negative [-] terminal on the rescue car’s battery, and the other end to a non-moving, grounded part of to the unresponsive car’s motor compartment…A noticeable bare bolt or else the motor manifold, as the manifold is typically unpainted and a excellent point for to make the connection.

>>>> Step Number 3). Make certain e-break brake is set on both autos and the transmission is in park [automatic] and neutral [standard transmission]. Verify to make sure the jumper cables are not going to come into contact with moving parts. Start the rescue car and let it to run for a few of minutes performing this will let its battery to recharge the dead battery somewhat.

>>>> Step Number 4). With the rescue car’s engine running, attempt to start the van with the dead battery… If the sedan does not start, go over step 3 once more. Furthermore if that fails attempt getting a improved grounding spot.

Once the vehicle with the flat battery starts up, allow it to run for at smallest amount 5 full minutes therefore it’s alternator is able to recharge the battery. Uncouple the jumper cables from both vehicles in the Opposed order in which you coupled them. Be certain that you do not let any of the exposed jumper cable end to come into contact with, as they can create a flash. Once you’re on the road again attempt to drive for about a half hour therefore the battery can get extra charge in it.

Important Safty Notes… Never link or come into contact with together both negative or positive cables at the similar time even as your holding them. Also, avoid touching the negative and positive ends with your hands…fingers…or extremities. There are various devices on the market that are able to maintain your battery charged and this might avoid having to be delayed otherwise jump start your vehicle.