Recent traffic accident data from the U.S. Department of Transportation’s (DOT) National Highway Traffic Safety Administration (NHTSA) noted a small decrease in American roadside deaths in 2017 (37,133) compared with 2016 (37,461). This number has been steadily increasing since 2013 before its recent drop. The U.S. Secretary of Transportation Elaine L. Chao recognized this downward trend, but also expressed that there’s still work to be done to decrease roadside deaths significantly. Here’s what we can learn from recent accident data.
A durable jacket and pair of pants are a no-brainer when you’re shopping for gear, but you should never overlook the importance of elbow and knee pads. A lightweight pair of guards with protective shells and foam pads is enough to keep you safe on the road without feeling bulky. If you have the extra cash, get yourself some back armor as well so you’re protected from head to toe.
To get this coverage, purchase a Collision Damage Waiver from the rental car company, or rent the vehicle through our Alliance Services Company rental providers. (Our Alliance Services Company rental providers waive the above fees provided you reserve the vehicle at a participating Avis, Hertz, Budget or Enterprise location and use the appropriate discount code in the rental agreement.)
The need for helmets isn’t just to keep you alive; it may help you recover damages for injuries to the head. Wearing your helmet may not be the deciding factor to your injury claim, but it shows you’re a responsible motorcyclist. It could also indicate the negligence of the other driver. Insurance companies may also take helmet use into consideration. For example, if you were not wearing a helmet and sustained injuries during an accident, you may have to prove to the insurer that you would still have been injured even with a helmet.
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Apart from the right equipment, a good motorcycle insurance policy is essential in keeping your travels safe. Here at Oxford Auto Insurance, we offer low-cost motorcycle insurance that may have comprehensive coverage, increased liability limits, and even roadside assistance plans. We have decades of experience in providing affordable auto insurance in Chicago, and we’re always striving to give the best service for our customers.
In choosing what auto insurance to purchase, you may be tempted to reduce your expenses by looking for an auto insurance with the lower amount of coverage or by raising your deductibles. While these two factors obviously affect car insurance costs, there are other considerations, some of which are not under your control, that can impact the price of auto insurance premiums.
You’re at greater risk when you take your motorcycle out in the winter than in the summer. This is because roads are icy and filled with salt and gravel. Animals like moose, deer, and elk are more active during winter. This means you’re more likely to hit these animals or have to swerve to avoid them. When you’re riding under these conditions, you increase the likelihood that an accident occurs.
If you own a business, you’ve got enough on your mind without worrying about what will happen if an employee is injured on the job or your roof is damaged in a storm. All America's Insurance Agency helps you minimize your risk with a comprehensive array of products designed just for business: general liability and even special coverage for home businesses.
Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.
For serious accidents, you want enough insurance to cover a judgment against you in a lawsuit without jeopardizing your personal assets. Therefore, it's a good idea to have the same level of bodily injury coverage for all your cars. You may also want to consider an umbrella policy which provides additional coverage for more serious accidents and lawsuits.
Underinsured motorist coverage reimburses you, a member of your family, or a designated driver if one of you is hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your total loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if, as a pedestrian, you are struck by an uninsured or underinsured motorist.
If you have adequate health and life insurance, you may not need a huge car insurance coverage. Generally, your car insurance coverage is the first to be used up if you are involved in a vehicular accident. Then, you may use your health and life insurance policies to pay for medical bills, if applicable. One extension of car insurance policies is Personal Injury Protection (PIP) coverage, which covers your medical expenses, regardless of who is at fault. If you avail of this with your car insurance policy, and you also have life and health insurance policies, you need only take out the minimum PIP coverage.