We have on the Car Insurance Blog discussed Insurance Telematics and expressed the belief that this industry is expected to increase significantly over the next few years. South Africa has been a leader both in the fleet management technology and the insurance products available to measure driving behaviour and reward responsible drivers. Yesterday it was announced that GPS manufacturer TomTom has made a landmark move into the insurance market in Europe by providing the technology behind a new insurance product, which bases premiums on driving behaviour.

TomTom has teamed up with insurance broker Motaquote for the launch of Fair Pay Insurance – a product that rewards ‘good’ drivers with lower premiums.

“Our entry in the insurance market with our proven fleet management technology puts us at the forefront of a move that could help to revolutionise the motor insurance industry,” said Thomas Schmidt, Managing Director TomTom Business Solutions.

“We offer a unique combination of navigation, traffic information and telematics which opens up great opportunities for insurance companies to promote greener, safer driving and create a ground breaking portfolio of new insurance products.”

“We are delighted Motaquote have recognised this potential in the launch of such an innovative product.”

Fair Pay Insurance gives drivers control over their own policy by using driving ability and behaviour to allocate premiums, rather than so-called risk factors such as postcode, gender, and age or vehicle type.

“We’ve dispensed with generalisations and said to our customers, if you believe you’re a good driver, we’ll believe you and we’ll even give you the benefit up front,” said Nigel Lombard, Managing Director of Fair Pay Insurance.

“This is unlike some other telematics-based schemes where you may have to prove your ability over a number of months. So if you think of your insurance as your car’s MPG – the better you drive, the longer your fuel will last. It’s the same with Fair Pay Insurance, good drivers get more for their money and in that sense they will pay ultimately less.”

Drivers who sign up for Fair Pay will benefit from a specially-developed TomTom PRO 3100 navigation device, which includes Active Driver Feedback and LIVE Services. This means policy-holders can be alerted to driving events, such as harsh cornering and sharp breaking, and benefit from accurate traffic information updated every two minutes.

They will also have a LINK tracking unit fitted in their vehicles, allowing driver behaviour and habits to be monitored. This information can then be viewed by the policy-holder in their driver dashboard, an online tool that details journey and driver behaviour data, and in regular email bulletins.

What is insurance telematics?

There is a clear and direct relationship between vehicle telematics and the benefits they are able to provide to the insurance industry in measuring and reporting on driving behaviour. Insurance is all about measuring and calculating risk. Insurance companies evaluate the level of risk and then set premium rates and coverage per the measurement in question. Vehicle telematics is the best , most effective and scientific way to limit risk.

Also view on the Arrive Alive Website: Vehicle and Insurance Telematics

For more on how data from traffic flow is used in insurance products also view:

Hollard and Pay As You Drive  - see “Pay As You Drive”

Outsurance and Safe_Driver@Out  – see “Outsurance activates technology to reward safe driving behaviour”

Discovery and Vitality Drive – see “Drivers have an IQ, EQ and now with car insurance also a DQ”

MiWay and MiDrivestyle http://www.miway.co.za/midrivestyle

Related posts:

1. London Conference to focus on impact of Insurance Telematics
2. Insurers in Europe expected to focus on “Big Brother” telematics for car insurance
3. Big Brother vehicle telematics can deliver cheaper car insurance premiums

What do you know about operating a lift club and car insurance?

Before anyone start operating or taking part in a lift club there is a need to know checklist which should be kept in mind:

The most important aspects are:

- Which vehicle is used?
- Who are the drivers?
- How is the vehicle operated?
- Details on licensing

We would like to look at these aspects in more detail and share some important insights. It is important to recognize that there is no “one size fits all” answer as lift clubs differ in the way that it is operated.
We would also like to quote from the different types of Carpools / ridesharing or lift clubs out there as described on the Arrive Alive Road Safety website

Types of carpools

• Designated Driver Carpool

This carpool generally has one driver and one or more passengers. The driver provides the vehicle and passengers pay a daily, weekly or monthly fare based on expenses such as petrol, maintenance and parking.

• Alternating Carpool

Enjoy the simplicity of a carpool in which driving is alternated on a daily, weekly, or monthly basis. Costs are incurred only during the period in which you are required to drive. Or, put simply — when you drive you pay, when you ride it’s free.

• Employer Carpool

Some employers encourage employees to share the ride to and from work by allowing the use of company vehicles. Employees pay a fare to offset additional petrol, maintenance and insurance costs. As most company vehicles sit idle in parking lots after business hours this system can benefit both employers and employees. Employers can save their parking for paying customers while demonstrating their environmental responsibility and employees can save money.

Transportation for Reward and the Professional Driving Permit

If your Lift club can be regarded as transport for reward, the driver will need to apply for and drive with a Professional Driving permit.

When do you need a Professional Driving permit?

The National Road Traffic Act states that the driver of vehicle that transports persons for reward shall have a PrDP for category P-Passengers.

115. Certain drivers of certain vehicles to hold professional driving permit
115. (1) Subject to the provisions of subregulation (2), a professional driving permit shall be held by the driver of-
(a) a goods vehicle, the gross vehicle mass of which exceeds 3 500 kilograms;
(b) a breakdown vehicle;
(c) a bus;
(d) a minibus- (i) the gross vehicle mass of which exceeds 3 500 kilograms; or (ii) which is designed or adapted for the conveyance of 12 or more persons, including the driver;
(e) a motor vehicle used for the conveyance of persons for reward or is operated in terms of a operating licence issued in accordance with the NLTTA; [Subreg. (e) replaced by R.4, G.N. R.871 w.e.f. 1 January 2006 enforceable from 1 July 2006]
(f) a motor vehicle the gross vehicle mass of which exceeds 3 500 kilograms to which regulations 273 to 283 apply as contemplated in regulation 274; and [G.N. G.N. R.727 has put subreg (1)(f) into operation on 3 August 2001] [Subreg. (1)(f) substituted by R.25, G.N. R.881 w.e.f. 23 July 2004]
(g) a motor vehicle conveying 12 or more persons including the driver.

If the vehicle used in your lift club is a minibus as described above you will need the Professional Driving Permit and your insurance will also require you to provide this.
You would also require a Roadworthy Certificate.

A lift club is usually an arrangement where every member has a car and they take turns driving. If 4 people go to work every day with the same person as driver and pay him for petrol he is simply operating a taxi, thereby transporting passengers for reward and in need of a professional driving permit.

On the issue of personal liability it is important to recognize new legislation. In terms of the new act, if there is an accident in South Africa and one is injured as a result of someone else’s negligent driving one cannot sue that negligent driver for personal injuries suffered. One has to go through the Road Accident Fund and cannot sue the negligent driver in a South African court for anything other than pure emotional shock which is very unusual.

Best advice on Communication with your Car Insurer

It is best to contact your insurer should you make your vehicle available for the purpose of use in a lift club. If you remain the driver it should not be a problem and you may even save if your vehicle is used less often. If somebody else may regularly be driving the vehicle it is important to that such a person be added as a designated driver on your insurance policy!

Also view:

Lift Clubs, Ridesharing, Carpooling and Road Safety

Related posts:

1. London Conference to focus on impact of Insurance Telematics
2. Be Alert to the Car Insurance needs for ridesharing, carpooling and lift clubs
3. What is the impact of anti-competitive behaviour by vehicle tracking companies for the car insurance industry?

You’ve ticked all the right boxes when it comes to making sure that everything is seamlessly in place for that end of year holiday, but can you say the same for your tyres? Tyre safety may not be as exciting as splashing out on your 100^th pair of designer shoes, but it is well worth the time and money.  After all, failing to make sure your car has got the right “shoes” can turn your dream holiday into a roadside disaster.

Here are some tyre safety basics to look out for, thanks to Tiger Wheel & Tyre:

Take note of your tread

We all have a favourite pair of shoes that we wear until the heels have eroded beyond recognition of their former glory. Just like the heels of your shoes, tyres have tread that wears down with driving. The more worn your tyres, the less traction and grip you will have on the road, meaning your braking distance will increase and you are more likely to skid when driving in the rain. In fact, the legal tread depth limit in South Africa is a minimum of 1mm across the entire circumference of the tyre. Not sure whether you are legal, ask a wheel and tyre professional to point out the tread wear indicators on your tyres.

Under pressure

Wearing shoes that are too tight or too loose can be fashion suicide or just plain unpleasant. The right tyre pressure can also be the difference between life and death. Don’t assume the pressure is two bars which a lot of ladies do when we chant “two please” to the friendly petrol attendant. Each car comes with recommended pressures which you will find in the sill of the driver’s door or inside the fuel cap. Rather take the time to check these and make sure the pressure is just right. Over inflated tyres erode quickly at their centre, while under inflated tyres wear on the outsides quicker. Under inflated tyres overheat easily and can cause tyre bursts which is notorious for road fatalities.

The other tyre

Every fashionista knows to keep a spare pair of shoes in the boot of their car in case of a mishap. Before you get on your way, also check that you have a spare tyre and that it is inflated to the right pressure, and has the right amount of tread – at least 1mm – for a safe journey. If your car is fitted with run-flat tyres you won’t have a spare, see “Run-flats vs Normal” below.

Balancing act

Staying in your lane is a basic rule, but neglecting the balancing and alignment of your wheels can make you lose your step. If your car is shaking or pulling to one side while driving, you need to get your wheels balanced and aligned. Sometimes it’s very subtle so make sure you check your wheel balancing and alignment every 10 000 kms or before every major trip. This not only improves the handling of your car but also extends the tread life of your tyres. The more care you take to look after your tyres, the longer they will last which means you have more money to spend on your summer wardrobe.

These are just some of the basics for keeping your tyres in check and staying safe on the roads. We suggest that you take your car to your nearest wheel and tyre specialist like Tiger Wheel & Tyre for a free safety check so that all you need to worry about this festive season is having a good time and showing off those sexy heels. Remember, it’s better to be a fashion victim than it is to be a road accident statistic.

Replacing your tyres: If you have to replace a tyre due to worn tread or damage, never replace only 1 tyre at a time as this will affect the handling of your car. Always replace 2 or 4 tyres.

Repairing your tyres: If you need to repair a tyre, don’t take any short cuts with a temporary plug and only have it repaired at a reputable tyre dealer.

For more information on tyre safety check out Tiger Wheel & Tyre’s Top Tyre Tips: http://www.twt.co.za/8/top-tips/

Also visit:

• Road Safety and Tyre Safety
• Tyres and Car Insurance
• Potholes and road damage drive demand for tyre insurance in South Africa
• Nitrogen and Tyre Safety

Besoek ook in Afrikaans:

Jou Versekering mag weier om te betaal as gladde bande die ongeluk veroorsaak

Related posts:

1. What is the speed limit for all taxis, trucks and public transport on urban and freeways roads
2. Easy Steps and Guide to Reporting an Accident [Part2].
3. May I drive scrambler bikes on normal urban roads and on highways?

Blackberry in photo by Gerhard Steenkamp from Phototalk

Are Car Insurance companies using the latest technology to assist their insured clients? I have found an interesting story by Angelique Arde which is worth sharing:

“Discovery Insure has launched a free Blackberry application (app) that enables its policyholders to use their phones to lodge car accident claims.

To date more than 1 300 policyholders have already downloaded the app, which was launched in December last year.

For now the app is available only to policyholders with a Blackberry OS5 smartphone and higher, but Discovery plans to launch an iPhone app in the next few months and one for Android phones later in the year.

Anton Ossip, the chief executive of Discovery Insure, says the app – a first for the local insurance market – has been developed to speed up the claims process by helping policyholders to provide the insurer with all of the necessary data.

“The true test of an insurer is the time it takes to put the client back on the road,” Ossip says. Discovery Insure is aiming for a turn-around time of five days from the date of an accident to the date of authorisation to repair or replace your car, or pay you or your bank out should the vehicle be written off.

One of the big stumbling blocks to the speedy resolution of a claim is a lack of sufficiently detailed information from the scene of the accident, Ossip says.

Discovery Insure believes the app can be used to overcome this by cutting out, as much as possible, a lot of the “to and fro” that makes claiming so tedious.

How it works

If you have an accident, you open the app on your phone and log in using your Discovery.co.za username and password.

The app, which has the ability to log your GPS co-ordinates, prompts you to enter all the information you must gather at the accident scene. (This is especially helpful if you’re in shock and prone to overlooking important details.)

You’ll be required to enter the name, contact numbers and particulars of the other party to the accident, and to take photographs of his or her licence disc, driver’s licence or identity book, number plate and the damage to his or her vehicle. You’ll also need to submit photographs of the damage to your own car. Once you’ve entered all the information into the app, you hit “send” and the claim is lodged with Discovery Insure.

You will still need to go to a police station to report the accident and obtain a case number.

If you’ve been involved in a serious accident, the app has an emergency key you can press to get help. Within a minute, you’ll receive a call from Discovery Insure to determine the severity of the accident and it will send the appropriate emergency assistance.

“Accidents vary widely in severity – from bumper bashing to mangled metal. The app is designed for this range of scenarios,” Ossip says.

If it’s a “bumper bashing”, you won’t need a tow truck or emergency service, and there will be no need to use the emergency button.

Discovery Insure policyholders who have signed up for VitalityDrive enjoy the added benefit of what Ossip describes as “state-of-the-art safety features”, which are built into the DQ-Track device that is fitted to your car when you join VitalityDrive.

(VitalityDrive is an incentive-based programme – the equivalent of what Vitality is for members of Discovery Health.)

DQ-Track is a device that “reads” your driving behaviour by tracking things such as cornering, speeding, harsh braking and sudden impacts.

If you’re involved in a collision above predetermined G-forces, DQ-Track’s impact alert setting is activated, triggering an alert to the Discovery 911 call centre.

If the impact is below the threshold, the alert won’t be sent. And if the collision damages the device itself, an alert won’t be sent.

Ossip says the Blackberry app is not designed to replace the Discovery 911 call centre, which is available 24 hours a day. “Discovery 911 (0860 999 911) provides access to both medical and traditional insurance services, such as tow truck services.”

If your car can’t be driven from the scene of the accident, Discovery Insure will dispatch a hired car to you or take you to Avis to fetch one.

Car hire is a standard feature of car cover with Discovery Insure. Policyholders get up to 30 days’ free car hire from Avis. This applies to every accident.

“The principle behind our benefit is to keep our policyholders mobile. Our aim is that the trauma ends with the accident – normally it is just beginning, as the repair process is arduous,” Ossip says.

Discovery’s Insure’s operating model – the inclusion of atypical benefits and the introduction an incentive-based programme – is set to change the short-term insurance industry, he says.

Ninety-six percent of Discovery Insure’s 7 000-odd policyholders have joined VitalityDrive. This has enabled the insurer to glean a goldmine of data about the driving habits of its policyholders, Ossip says.

“Since June, Discovery Insure policyholders have travelled 14 million kilometres, made 30 000 fuel transactions and purchased 1.1 million litres of petrol. The kilometres travelled have given us valuable insights into driver behaviour, looking at age and gender differentials,” he says.

To download the app

You can only download the app if you have a Blackberry OS5 phone or higher. Go to the internet browser on your BlackBerry and type in http://www.discovery.co.za/apps/ blackberry-install

Out of range?

If you have an accident in an area that is out of cellphone range, the app will enable you to capture and store the data on your phone, and when you get back into cellphone range, the information will be fed through to the claims centre.

If, for whatever reason, you aren’t able to lodge your claim at the scene of the accident, you can do so after the fact by phoning the Discovery Insure call centre on 0860 751 751

[Story by Angelique Arde appeared on Iol.co.za]

Also view:

Drivers have an IQ, EQ and now with car insurance also a DQ

Driver Intelligence to be measured by Discovery with Discovery Insure

Are we making insurance too difficult?

Related posts:

1. Driver Intelligence to be measured by Discovery with Discovery Insure
2. Technology Firm Ctrack partners with Discovery to target car insurance market
3. South African Insurance Association (SAIA) launches new industry Code of Conduct

New car sales in January were the best in five years due to strong demand from car rental companies, the National Association of Automobile Manufacturers of SA (Naamsa) said on Thursday.

“The January 2012 new car market represented the highest January month in the past five years and had received support from strong demand by car rental companies, with the car rental industry accounting for about 17% of total new car sales,” Naamsa said.

Aggregate industry new car sales in January improved by 2465 units or 7.5% compared to the 32 963 new cars sold in January 2011.

This included figures from Mercedes-Benz SA (MBSA).

Last month, MBSA announced that as a result of a global directive from its parent company Daimler AG (Germany), it would not report its detailed sales data for the time being.

MBSA would, however, still provide a single total sales number for passenger cars and commercial vehicles.

Overall new vehicle sales in January improved seven percent compared to the same month last year.

Aggregate industry sales – including MBSA – increased by 3144 units to 48 251 vehicles in January this year from 45 107 units in January last year.

Excluding MBSA vehicles, dealer sales made up 79% of vehicle sales in January. The vehicle rental industry accounted for 13%, government five percent, and industry corporate fleet sales three percent.

Total commercial vehicle sales improved by 250 units from 12,144 units in January last year to 12,394 units this year.

Exports of South African produced vehicles – excluding MBSA – improved by 260 units to 10,445 in January 2012.

“The latest monthly export figure reflected the fact that automotive factories only resumed operations from the middle of January 2012,” Naamsa said.

Export sales were expected to improve from February onwards.

South Africa exports vehicles to 77 countries.

“Export sales to Europe were likely to soften as a result of the recession and debt crisis in the Eurozone.

“However, projected higher exports to African countries, and factoring in the contribution of the Ford global compact vehicle export programme, should enable the industry to record growth and exceed the total number of vehicle exports of 271,763 units in 2011.”

Naamsa expected modest growth in total industry sales for 2012.

“The direction of the global economy remained uncertain and international markets were characterised by volatility and turbulence. This could impact on future export sales,” Naamsa said.

[SAPA]

Related posts:

1. Strong increase in South African vehicle sales
2. Subsidy for greener vehicles helps Toyota Prius break Japan sales record
3. Vehicle sales have fallen, but how many vehicles do we have in South Africa?

For a once off installation fee you can now have the peace of mind that your vehicle is secure. No drilling or cutting is required and the system can be installed in less than an hour. It can be removed and re-installed when the vehicle is sold.

Known as PG Secure the system will not interfere with your car’s electronics.

It is approved by the South African Independent Accreditation Services (SAIAS) and has a 12-month warranty. Your Citi Golf’s electrical system is protected from being tampered with by the alternator shield, ensuring that the alarm and immobilizer remain intact and operational. The Electronic Control Unit (ECU) Bracket prevents the ECU from being disconnected and replaced with a foreign ECU. This bracket is developed for fuel injection models manufactured from 2004 and later.

Both units need to be installed with these models.

The starter motor shield is positioned in the engine bay, preventing the disconnection of electrical cables, thus leaving the alarm and immobiliser operational. It also protects the distributor from being tampered with, further preventing “hot wiring” of the vehicle.

Call PG Glass Edenvale at (011) 452 2657 to secure your Citi Golf.

For more info also see:

Related posts:

1. Parking with caution can prevent vehicle theft
2. How can we prevent vehicle fires to prevent a traumatic experience and unnecessary car insurance claim?
3. Subsidy for greener vehicles helps Toyota Prius break Japan sales record

Do you believe that women are poor at parking? We have always believed that even though we accept that women may be safer driving, they are not as good as the male drivers when it comes to parking a vehicle!

A new study might however challenge these beliefs! I have come across an article by Murray Wardrop in the Telegraph titled “Women are better at parking than men, study suggests”. On reading the title I immediately questions what the criteria might be for being “better”. There are often different studies coming to different conclusions and we should always hesitate before claiming the findings of one study as being the ultimate and only truth.

It is however also important to share some of these findings.

Study on Parking Behaviour

This study was undertaken by way of covert surveillance of car parks across Britain, and I would like to quote from these findings:

“Covert surveillance of car parks across Britain has shown that while women may take longer to park, they are more likely to leave their vehicles in the middle of a bay.

The study is one of the most comprehensive ever conducted on gender driving differences, and took into account seven key components of parking styles.

Women were also found to be better at finding spaces, more accurate in lining themselves up before starting each manoeuvre, and more likely to adopt instructors’ preferred method of reversing into bays.

Men were shown to be more skilled at driving forwards into spaces and more confident overall, with fewer opting to reposition their car once in a bay.

But once all the elements were taken into account, women were ranked first with a total score of 13.4 out of 20, compared to 12.3 points achieved by men.

Neil Beeson, a professional driving instructor who devised the experiment, described the results as “surprising”.

Mr Beeson, who has recently appeared on the ITV show Last Chance Driving School, said: “In my experience men have always been the best learners and usually performed better in lessons.

“However, it’s possible that women have retained the information better. The results also appear to dispel the myth that men have better spatial awareness than women.

“It shows that us men need to give our partners more respect when it comes to parking. The facts don’t lie.”

The study was produced by the car park firm NCP, which employed a team of researchers to observe 2,500 drivers across its 700 car parks in Britain over a one-month period.

Each aspect of a person’s parking was marked and added to a final tally to produce a “parking coefficient” for the two sexes.

The first category analysed people’s ability to find spaces. Researchers found that impatience caused many men to drive too quickly around car parks, meaning they missed free bays. Meanwhile, women’s slower approach meant they were better able to notice spaces, or spot when other drivers were about to leave.

More than three quarters of women were found to excel in their so-called “pre-parking pose”, setting themselves up to pull into a space, compared to just over half of men observed.

Thirty-nine per cent of female drivers cleanly executed reversing into spaces, compared to only 28 per cent of men.

Men were much quicker at parking, taking 16 seconds on average against the 21 seconds women needed to complete the manoeuvre.

However, the extra time paid off leaving 52 per cent of women parked in the middle of each bay, compared to 25 per cent of men. This category proved particularly punishing for the men’s rating as it was the most heavily weighted in the coefficient.”

Conclusion

Not everyone agrees with the criteria used to determine what can be regarded as “better parking”. This does however support the reasoning behind cheaper car insurance for women. Even though they may take longer, they are taking more caution with their vehicles and this will lead to fewer accident and insurance clams!

Related posts:

1. UK Study reveals women drivers still struggle with parallel parking
2. Car Insurer finds women fear parallel parking!
3. What book do I need to study for Motorbike Learners Licence

Question:

Is it possible to get a list of accredited driving schools? There seems to be so many fly by nights out there so any advice as to how to go about finding a reputable school would be greatly appreciated.

Answer:

Thank you for your enquiry. We agree with you!
Please consult our website. I do hope we have a member in your area.
If not, we can invite instructors in your area to join SAIDI so that they will be under our code of conduct too.
You need to ask to see their valid driving instructor’s certificate as well as a receipt proving they are re-applying, if that is the case.
It is also recommended that you check to see if the driving school vehicles are fitted with a dual control brake, (at least), sign-marking and that they keep records.
This Annexure 250 is not included in the present National Road Traffic Act 93 of 1996, for some unknown reason, so there are no laws enforcing it.
Make sure you receive a receipt for any lessons paid for. Consult local people for advice and referrals too.

Best Regards,

Pat Allen
National President: SAIDI
Tel no: 012 998 3910
Fax no. 086 553 8650
E-mail: pat@saidinational.org
Website: www.saidinational.org

Related posts:

1. Hyundai, VW lead the insurance industry’s list of safest new vehicles
2. Will accredited training reduce damage to 4×4 vehicles?
3. Distracted driving could eat away your claims free driving record!

A friend and regular visitor to the Arrive Alive website emailed a rather nice video illustrating the driving ability of some of our elderly road users! We have previously on this blog referred to the elderly and how they use their experience to reduce collisions and car insurance claims.

This is not to be tried at home, or near the home or anywhere in the vicinity of other objects, vehicles or people – and definitely only for the advanced drivers amongst us!

Also view:

1. Parking with caution can prevent vehicle theft
2. What does the law say about ‘Storing’ vehicles by parking on a public road
3. Car Insurer finds women fear parallel parking!

Related posts:

1. Why do young and elderly drivers pay so much more for car insurance?
2. Elderly women are higher risk drivers for car insurance
3. More should be done to avoid elderly driver accidents

A Man in Waterton Park Alberta, came out to find the inside of his 18 month old Toyota Sequoia trashed.

A grizzly bear had somehow got a door open (easy considering the way the handles are) and once inside got trapped when the door shut behind him. Probably by the wind.

The Toyota was a platinum edition, all the door panels were ripped off, the headliner torn to pieces, all headrests, the leather seats, the dash shredded.

The steering column was twisted sideways. Two of the six airbags went off, the other four the bear ripped to pieces. You can imagine a trapped grizzly being hit with an airbag in an enclosed space must have figured he was in for the fight of his life.

When the bear ripped off the door panels he clawed all the wiring harnesses out. Toyota figures every wire he pulled or clawed at resulted in bells, voices or sparks.

The head mechanic at Calgary Toyota doubted if they had the expertise to put it back together.

To add insult to injury the bear took a big dump in the back of the SUV and then broke out the rear window. Fish and wildlife officers have inspected the damage and figure it was a 3 year old griz.

From blood left behind they are doing DNA.

The vehicle has been written off, cost new over 70,000 they stopped counting repair costs at 60,000.

Related posts:

1. Are your passengers and pets well restrained inside the vehicle?
2. How do the feuds and arguments inside your car affect your driving?
3. Will the driver of your car for the holiday be insured?