Archive for the ‘Insurance’ Category

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Posted by christiancarguy on 4 February, 2011
This post was filed in Automotive, Insurance and has no comments yet

 
Bill our Christian Insurance Guy shares his top ten money savin tips Join Bill at http://www.winstonsaleminsurance.com or call him at 336-721-1211

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Posted by christiancarguy on 1 February, 2011
This post was filed in Automotive, Insurance, Safety and has no comments yet

Buy ultram without prescription, Camera enforcement in 14 large cities reduces rate of fatal red light running crashes by 24 percent ARLINGTON, VA — Red light cameras saved 159 lives in 2004-08 in 14 of the biggest US cities, a new analysis by the Insurance Institute for Highway Safety shows. Ultram buy drug, Had cameras been operating during that period in all large cities, a total of 815 deaths would have been prevented, buy cheap ultram internet. Find cheap ultram online, "The cities that have the courage to use red light cameras despite the political backlash are saving lives," says Institute president Adrian Lund, get ultram. Generic ultram online, Looking at the 99 US cities with populations over 200,000, cheap ultram overnight delivery, Ultram overnight, the researchers compared those with red light camera programs to those without. Because they wanted to see how the rate of fatal crashes changed after the introduction of cameras, ultram australia, Cheap ultram on internet, they compared two periods, 2004-08 and 1992-96, ultram overnight shipping. Cities that had cameras during 1992-96 were excluded from the analysis, as were cities that had cameras for only part of the later study period, buy ultram without prescription. Buy ultram generic, The researchers found that in the 14 cities that had cameras during 2004-08, the combined per capita rate of fatal red light running crashes fell 35 percent, ultram in australia, Cheapest ultram online, compared with 1992-96. The rate also fell in the 48 cities without camera programs in either period, ultram malaysia, Ultram drug, but only by 14 percent. Based on that comparison, buy ultram online without prescription, Buy cheapest ultram online, the researchers concluded that the rate of fatal red light running crashes in cities with cameras in 2004-08 was 24 percent lower than it would have been without cameras. That adds up to 74 fewer fatal red light running crashes or, cheap ultram without prescription, Buy ultram online cheap, given the average number of fatalities per red light running crash, approximately 83 lives saved, where to order ultram. Buy ultram without prescription, The actual benefit is even bigger. Order cheap ultram online, The rate of all fatal crashes at intersections with signals — not just red light running crashes — fell 14 percent in the camera cities and crept up 2 percent in the noncamera cities. In the camera cities, find cheap ultram, Ultram generic, there were 17 percent fewer fatal crashes per capita at intersections with signals in 2004-08 than would have been expected. That translates into 159 people who are alive because of the automated enforcement programs, cheapest generic ultram. Ultram without rx, This result shows that red light cameras reduce not only fatal red light running crashes, but other types of fatal intersection crashes as well, ultram alternative. One possible reason for this is that red light running fatalities are undercounted due to a lack of witnesses to explain what happened in a crash, buy ultram without prescription. Ultram no prescription, Drivers also may be more cautious in general when they know there are cameras around. Based on these calculations, cheapest ultram prices, Ultram us, if red light cameras had been in place for all 5 years in all 99 US cities with populations over 200,000, buy ultram us, Purchase ultram overnight delivery, a total of 815 deaths could have been avoided. Since the 1990s, ultram in us, Buying ultram, communities have used red light cameras as a low-cost way to police intersections. The number of cities embracing the technology has swelled from just 25 in 2000 to about 500 today, cheap generic ultram. Buy ultram without prescription, National surveys indicate widespread support for red light cameras. Buy generic ultram, At the same time, opponents of automated enforcement have become increasingly vocal, order ultram no rx, Generic ultram, claiming that camera programs are revenue-generating schemes that violate drivers' privacy. "Somehow, compare ultram prices, Find discount ultram online, the people who get tickets because they have broken the law have been cast as the victims," Lund says, ultram online pharmacy. "We rarely hear about the real victims — the people who are killed or injured by these lawbreakers." Red light running killed 676 people and injured an estimated 113,000 in 2009. Nearly two-thirds of the deaths were people other than the red light running drivers — occupants of other vehicles, passengers in the red light runners' vehicles, bicyclists, or pedestrians. Without cameras, enforcement at intersections is difficult and often dangerous, buy ultram without prescription. In order to stop a red light runner, officers usually have to follow the vehicle through the red light, endangering themselves, as well as other motorists and pedestrians. Moreover, the manpower required to police intersections on a regular basis would make it prohibitively expensive. In contrast, camera programs can pay for themselves by requiring people who break the law to shoulder the cost of enforcing it. Previous research has established that red light cameras deter would-be violators and reduce crashes at intersections with signals. Buy ultram without prescription, Institute studies of camera programs have found that red light violations fell at intersections where cameras were installed and that this effect also spilled over to intersections without cameras. An Institute study in Oxnard, Calif., found that injury crashes at intersections with traffic signals fell 29 percent citywide after automated enforcement began. The new study adds to this by showing that cameras reduce not only violations and crashes throughout entire communities but deaths, too. "Examining a large group of cities over several years allowed us to take a close look at the most serious crashes, the ones that claim people's lives," says Anne McCartt, Institute senior vice president for research and a co-author of the study. "Our analysis shows that red light cameras are making intersections safer." Results in each of the 14 camera cities varied. The biggest drop in the rate of fatal red light running crashes came in Chandler, Ariz., where the decline was 79 percent, buy ultram without prescription. Two cities, Raleigh, NC, and Bakersfield, Calif., experienced an increase. "We don't know exactly why the data from Raleigh and Bakersfield didn't line up with what we found elsewhere," McCartt says. "Both cities have expanded geographically over the past two decades, and that probably has a lot to do with it.

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Posted by christiancarguy on 13 February, 2010
This post was filed in Insurance and has 1 comment so far

gap-insuraceToday on the Christian Car Guy Attorney with Draper and Wagoner Adam Draper discusses concerns about Gap Insurance


 


by Adam Draper


1.     Buy famvir without prescription, GAP insurance covers people who are upside down on their car loans and the car is totaled in an accident - that is they owe more for the car than it is worth and the insurance company covering the loss is only paying the fair market value of the car.  


 


2.  GAP policies are probably not necessary if you have enough down payment on the car and you are paying it of in three years or less.


 


3.  GAP policies are a good idea if you are having to finance a car for a long time, famvir cheap drug, Buy famvir in canada, BUT you have to pay attention to the fine print.  The GAP policies usually say that they only cover the difference between the amount financed and the Fair Market Value (FMV) or Actual Cash Value (ACV).  The problem comes when the insurance company paying off the accident claim and the GAP insurance company disagree on the FMV or ACV.  For instance, let's say the loan payoff is $15, compare famvir prices online, Order cheap famvir online, 000.00 and the liability insurance company will only pay $13,500.00 for the FMV or ACV.  The GAP insurance carrier should pay the remaining $1, cheap famvir in usa, Order generic famvir, 500.00, but they say that the FMV or ACV is $14, famvir, Order famvir overnight delivery, 500.00, so they are only willing to pay $500.00 towards the remaining debt on the loan.  That means car owner ends up still owing $1000.00 to pay off the loan.


 


4.  Other problems with GAP policies is that they will define you out of coverage.  Like any other insurance coverage, famvir in malaysia, Famvir prices, you have to know what you are insuring.  For instance, I know of a case in which a person bought GAP insurance on a commercial cargo van, famvir prescription, Famvir free delivery, and when it was wrecked the GAP insurance carrier refused to pay anything because the policy they sold excluded commercial vehicles.  Somebody is going to get sued over that one.


 

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