Posts Tagged ‘Car Insurance Claims’

Do you roar at the cost of tyre damage?!!

Written on October 13th, 2010 by jonckie@arrivealive.co.za
Categories: Car Insurance Advice, Car Insurance Claims

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Who do you trust to expect your tyres – and who would be best at replacing your tyres?

The Arrive Alive website received an email from a regular visitor titled “So who’s going to change the tyre?” We could not resist sharing these images on our Car Insurance Blog, since it features the cause of a rather interesting insurance claim!!

We have focused on tyre safety in a number of pages on the Arrive Alive website – and also created more awareness towards wheel balance, alignment and tyre safety as well as shock absorbers and safe driving. In these sections of content we were assisted by experts such as Bridgestone, Gabriel and Tiger Wheel & Tyre.

We would like to urge all our vehicle owners to view the following pages to gain more awareness on the need for tyre safety:

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What would you be willing to do to protect your car from theft?

Level 5 Immobilizer

Level 5 Immobilizer

In South Africa we pay rather expensive car insurance premiums not only for protection from vehicle accidents and road safety risks – but also to protect from vehicle theft and hijackings! We have a wide variety of vehicle security features available on the market and we are able to pick and choose and to compare these with one another.

Vehicle security features range from the top end DataDot and vehicle tracking technology to the more everyday immobilizers and vehicle alarms. We have also addressed on the Car Insurance Blog aspects such as safe parking and hijacking avoidance measures.

Earlier today the Arrive Alive Website received an email titled “Level 5 Immobilizer” – and this is an indication of how far some vehicle owner will go to protect their vehicles. This is only for the brave – and fortunately not all vehicle owner have to revert to extreme measures to protect their cars from theft. It is also not known whether car insurance companies would be willing to offer reduced premiums for this unique vehicle security feature!!

We would like to urge all vehicle owners to read the Car Insurance Blog and pay close attention to the advice with regards to vehicle security!! Having your vehicle protected at all times could prevent car insurance claims and help you to maintain a sound claims record!!

Also view:

Car Insurance and Vehicle Security

Car Insurance and Vehicle Theft

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Avoid the distracted pedestrian causing car insurance claims!!

Written on July 15th, 2010 by admin
Categories: Car Insurance Advice, Car Insurance Claims, Road Safety, Safe Driving Tips

In South Africa pedestrian deaths amount to approximately 35-40% of road fatalities. Past development of informal settlements next to national roads can be blamed for many of these pedestrians crossing highways. Other factors include walking whilst drunk – and drivers driving at inappropriate speeds on our roads – or not adjusting their speeds to the road conditions.

Avoid the distracted pedestrian causing car insurance claims!!

A factor which is however often neglected is distracted pedestrian behaviour. Much focus is placed on distracted driving and the risks of cellular conversations, texting while driving etc. We tend to forget that technology has not escaped the pedestrians – and many are walking next to and on our roads whilst chatting on their mobile phones, listening to music on their iPods, texting or even playing games on their mobile devices!

Yesterday we added an accident report on the Road Safety Blog of a tragic accident on the N1 near Cape Town. A pedestrian was knocked out of his shoes in this fatal accident. Even though the cause of the accident is still under investigation – it is worthwhile to consider the risks of pedestrian distractions.

Pedestrian Distraction Study / Inattentional Blindness

A recent study in the US revealed that Pedestrians who talk on a cellphone are slower, change direction more, have difficulty navigating – and are less likely to notice obvious distractions.

Researchers observed 317 pedestrians as they crossed the main square of the campus of Western Washington University using the 114m main diagonal pathway. The people observed were either talking on a cellphone, listening to a personal music player, in conversation with another pedestrian, or walking alone, without any electronic devices.

The study involved researchers noting the time it took them to cross the square, whether they stopped, zig-zagged or stumbled; how many times they changed direction, and whether they collided with another person, or nearly did.

The pedestrians were also monitored to see if they noticed the “unusual stimulus” the researchers had placed just off the walking path: a brightly-coloured unicycling clown.

“Unicyclists are very rare on campus pathways,” the authors of the study, which will be published in the December issue of Applied Cognitive Psychology, wrote.

Only 25 percent of people using their cellphones noticed the clown, while more than half of people in the other groups noticed him.

Failure to see the clown could not be blamed on the use of an electronic device per se, because 61 percent of people using a music player saw the unicyclist, or on having a conversation, because chatting couples were the most likely – 71 percent – to see the clown, the study said.

Instead, the study suggested that cellphone users fail to notice what is going on around them, a phenomenon called “inattentional blindness”.

“This means that they may miss more than the unicycling clown and experience difficulty recognising and using information needed to navigate through a complex and changing environment,” which might not be overly dangerous when walking in a pedestrian zone but can be when bikes or cars are introduced into the equation, or the cellphone user is driving. [Information from AFP]

Advice to Vehicle Owners/ Drivers

Even though this emphasizes the need to alert pedestrians to the dangers of pedestrian distraction – it also should raise the alarm amongst drivers. Safe driving will require that we implement safety measures and suggestions and use the information at hand. On the Car Insurance Blog at carinsurance.arrivealive.co.za we would like to assist our vehicle owners in avoiding insurance claims from road accidents.
We would like to advise the following:

• Do not expect that you are seen – drive with your lights on!!
• Always expect the unexpected – reduce speed in the vicinity of pedestrian activity
• Monitor the behaviour of pedestrians [especially children] next to the road.
• Be prepared for sudden swerving movements or pedestrians running across the road.
• Be very cautious in bad weather and additional environmental dangers such as wind, rain, fog and mist.

These basic suggestions could not only reduce car insurance claims – but also save lives!!
Also view:

Road Safety and Pedestrian Distractions

Avoiding Pedestrians

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How do car insurance claims by men and women differ?

There will always be a debate amongst men and women about their driving abilities. Men often mock their female counterparts for the way they drive – and women point to car insurance companies offering lower premiums to women drivers as proof of their safer driving!

How do car insurance claims by men and women differ

We cannot deny that there are fewer car insurance claims from female drivers. This is a fact – and allows some car insurance companies to focus on the female segment of the driving population with specialized products.

It seems fair to say that women are “less of an accident risk” – but also unfair to say that women are better drivers. There are many reasons for the reduced accident claims from female drivers. These include:

- Driving much less / Fewer kilometres travelled
- Driving in less congested traffic
- Driving with young children and as a result often driving slower
- Etc

Earlier today I added a news story to the Accidents Blog titled “Woman crashes car into house after losing control”. This made me think of the accidents caused by both male and female drivers and how this might differ.

It is best to approach the car insurers to find information about the typical accidents caused by both genders. Research by women’s car insurance specialist, Diamond has found there are certain types of accidents women are more likely than men to be involved in. Diamond studied data from over two million accidents over five years and found a marked difference between the types of accidents men and women have.

The list for women includes accidents in car parks, bumps on roundabouts and prangs at traffic lights.
Male motorists are more likely than female motorists to have a head- on collision, drive their car up or down an embankment or hit a crash barrier.
Other interesting findings include:

- Women tend to be in more accidents at slower speeds, where cars are close together.
- Men have more high-speed accidents where it is easy to lose control.
- Research suggests the way men and women drive is different.
- Men drive faster and more aggressively than women, while women are more easily distracted than men behind the wheel of car.

It is not only the accident claims that differ- but also other vehicle related claims:

- Women are more likely to have their car broken into and have something inside stolen – They are more likely to leave expensive items like their handbag or sunglasses on show than men.
- Men are more likely to have their car stolen outright.
- Men’s cars are also more likely to catch fire than women’s and they’re more likely to drive through a flood.
- Men are also more likely than women to claim for fuel contamination.
We would like to share the list of claims often received from both genders:

Types of claims more common among women:

- Hitting another vehicle in the rear
- Hitting another vehicle from a minor road
- Reversed into another vehicle
- Collision on roundabout
- Collision in car park
- Theft from vehicle
- Hitting a wall
- Hitting a lamp post
- Collision at traffic light junction
- Hitting a cyclist

Types of claims more common among men:

- Changing lanes and hitting another vehicle
- Driving up or down an embankment
- Vehicle stolen
- Hitting a crash barrier
- Hitting an animal
- Head of collision with another vehicle
- Hitting a tree
- Driven through flood
- Vehicle caught fire
- Fuel contamination

Also view:
- Do women deserve cheaper car insurance premiums?
- Does cheaper car insurance imply women are better drivers?
- Why do some car insurers focus on women only?

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