Articles Posted in Auto Accident

Some newer insurance policies are now rewarding drivers for driving fewer miles in their vehicles. New pay-as-you-drive policies, such as the one offered by State Farm, are now offering coverage based on the number of actual miles traveled instead of the amount of coverage you select, according to The Bellingham Herald.

While our Chicago car accident attorneys understand that everyone is dealing with the rough economy, we don’t recommend that your car insurance be an area you target for savings. As a general rule, motorists purchase as much coverage as they can reasonably afford.Some important considerations when purchasing insurance coverage are your coverage limits and whether or not you have uninsured/underinsured motorist coverage. These by-the-mile policies may claim to save you money up front, but they could end up costing as you put on miles. With the new program, drivers are required to report the miles traveled to the agent in order to determine the amount owed for that insurance period.

The pay-as-you-drive policies are currently available in 32 states, including Illinois, according to the Environmental Defense Fund. The policy, offered by State Farm, is referred to as the Drive Safe & Save program, but it advocates less driving over actual safe driving.

“Now you’ve got 39 different mileage segments where you can fall under and potentially have savings in each of those segments if you are moving down in mileage,” State Farm spokesman Bob Devereux said.

Before the new insurance program was launched, the car insurance giant only offered two different types of coverage: those premiums ties to less than 7,500 annual miles traveled and those tied to more than 7,500 miles.

Regardless of coverage, it is important to speak with an attorney immediately after being involved in a motor vehicle accident. How you deal with insurance companies — including your own — could impact your ability to collect damages.
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April marks National Distracted Driving Awareness Month. The event, put on by the National Safety Council (NCS) and FocusDriven, is urging drivers to stop using cell phones behind the wheel. In doing so, officials hope to reduce the risks of distracted driving car accidents in Chicago and elsewhere in the U.S.

Our Chicago person injury lawyers urge you to keep the lives of all motorists in mind and keep your full attention on the road. The NSC estimates that nearly 30 percent — or 1.6 million accidents — occur each year as a result of cell phone use at the wheel. This proves much more dangerous than any other type of distracted driving habit.”If drivers can go one month without using their phones while driving, they will find out – as many of us have – work still gets done. Many drivers realize most of the calls they thought were so important, really aren’t. It is our hope drivers will decide to make the change permanently. Doing so will make our roadways safer for everyone,” said Jennifer Smith, FocusDriven president and founding board member.

The organization also believes this is an open opportunity for employers to implement cell phone policies to protect employees. The NSC offers you a free Cell Phone Policy Kit to help your business get on the road to safer driving habits.

Local Police Chief William Joyce will be making presentations on distracted driving at various local spots, including the Neighborhood Watch meeting. He finds it important to spread the word now because it’s that time of year when our young drivers are gearing up for prom and graduation and the weather starts to clear up, influencing more highway travel.

“Five seconds to text, five seconds to do a radio scan, five seconds to discipline your kids,” Joyce said. “It only takes a second to travel the length of a football field when you are driving 40-45 mph. And you are driving a 2,000 to 3,000 pound weapon (while doing so).”

Distracted.gov offers these statistics on distracted driving — a growing epidemic:

-In 2009, roughly 20 percent of injury accidents were reportedly caused by distracted driving.

-18 percent of distracted-driving-related accidents resulting in death reported the use of a cell phone at the time of the incident.

-Nearly 5,500 were killed and an additional 448,000 were injured in accidents reportedly involving distracted driving in 2009, according to the National Highway Traffic Safety Administration.

-Drivers are four times more likely to be involved in accident involving serious injury if they’re using a hand-held device at the wheel.

-Using a cell phone behind the wheel gives a driver the same reaction time as a legally drunk driver.

-Young drivers under the age of 20 have the greatest proportion of distracted drivers. Roughly 16 percent of these drivers involved in fatal accidents were reportedly driving while distracted.
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It’s no April Fool’s Joke: The National Highway Traffic Safety Administration announced Friday that the United States last year had the fewest number of traffic fatalities ever recorded.

However, our Chicago personal injury lawyers reported last month on our Chicago Car Accident Lawyers Blog that the National Safety Council had reported that fatal crashes began to increase during the fourth quarter of 2010 as the economic recovery gained steam.”Last year’s drop in traffic fatalities is welcome news and it proves that we can make a difference,” said U.S. Transportation Secretary Ray LaHood. “Still, too many of our friends and neighbors are killed in preventable roadway tragedies every day. We will continue doing everything possible to make cars safer, increase seat belt use, put a stop to drunk driving and distracted driving and encourage drivers to put safety first.”

The Illinois Department of Transportation reports 127 fatal Chicago car accidents were reported in 2010, compared to the 141 that occurred in 2009.

The 32,788 traffic deaths last year was three percent lower than the 33,808 recorded in 2010 and the lowest level since modern record keeping began in 1949. The number of people killed in traffic accidents has declined 25 percent since 43,510 motorists died in 2005.

“The decrease in traffic fatalities is a good sign, but we are always working to save lives,” said NHTSA Administrator David Strickland. “NHTSA will continue pressing forward on all of our safety initiatives to make sure our roads are as safe as they can possibly be.”

Concrete figures will be released by the agency this summer. But early estimates show accidents increased by 1.6 to 1.8 percent in both the third and fourth quarters, confirming the trend identified by the National Safety Council.

And, in fact, Region 5, which includes Minnesota, Wisconsin, Illinois, Indiana, Ohio and Michigan saw an increase of 3.9 percent — the highest increase anywhere in the nation outside New England, where fatalities increased 18 percent last year. Region 2, which includes Pennsylvania, New York and New Jersey, was the only other area of the nation to report an increase — fatal crashes there were up 2 percent.
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The Illinois Department of Transportation is teaming up to promote safe driving among seniors in an effort to reduce the risk of Chicago car accidents to aging drivers.

A state proclamation declared March 21 to 31 as Senior Driving Awareness Weeks.Our Chicago car accident attorneys have discussed here before the risks facing senior drivers. The dangers of an older driver being involved in a car accident rise steadily after retirement. Those over the age of 75 face higher risks than any drivers on the road, including teenagers. The National Highway Traffic Safety Administration reports more than 5,000 seniors are killed in traffic crashes each year and more than 180,000 are injured.

In 2008, 163 seniors were involved in fatal Illinois traffic accidents. The issue is expected to become increasingly critical as the baby boomer generation retires.

“IDOT is dedicated to traffic safety in Illinois and encourages all seniors to take advantage of the refresher courses made available statewide,” said Illinois Transportation Secretary Gary Hannig. “Through the use of strategic partnerships, effective programs and motorist compliance to state law, Illinois has experienced record lows in roadway fatalities and an all-time high in statewide safety belt usage rate. We strongly support the importance of Senior Driving Awareness Weeks and look forward to its success in promoting senior safety.”

The partnership includes Illinois Secretary of State Jesse White’s Office and theIllinois Department of Aging, as well as the AARP. The agencies aim to improve training and review of older drivers in an effort to prevent traffic accidents.

“We want senior drivers to maintain their mobility and independence while continuing a lifetime of safe driving,” said Secretary White. “Last year my office provided free Rules of the Road classes at 320 locations throughout the state. The Super Seniors Program, combines Rules of the Road instruction, a vision screening and a driver safety component, providing seniors with the knowledge needed to obtain or renew a driver’s license. This program, allows seniors to brush up on their driving knowledge in an effort to help them continue driving safely.”

There are more than 3.5 million licensed drivers in Illinois over the age of 50.

Click here to review a Rules of the Road class schedule.
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