The benefits of No-Fault insurance

What exactly does no-fault insurance cover?

Traditional car insurance policies let you take out legal responsibility coverage to reimburse for bodily injury claims from anyone injured in an accident in which you have been deemed at fault. With no-fault car insurance, the bodily injury coverage supplied by your policy extends to you. What about medical bills and other losses caused by the accident in case of no-fault insurance. The Personal Injury Protection component of no-fault car insurance guarantees not only that your hospital bills are paid, but that you’re also covered for any related losses, like lost incomes, psychological therapy or long-term kinetic-therapy. So Under current no-fault laws, motorists may sue for harsh injuries and for pain and suffering only if the case meets certain circumstances. These conditions, known as a threshold, relate to the severity of injury. They may be expressed in verbal terms or in dollar amounts of medical bills, a monetary threshold. Some laws also include minimum requirements for the days of disability incurred as a result of the accident.

So the benefit of no-fault insurance is obvious. As it is a type of car insurance in which an insurance provider covers damages occurred to its customer in an accident, not considering who’s held responsible. Essentially to it, it has one more benefit for drivers, it reduces the need for a driver to go after another party’s insurance company in order to be reimbursed for damages that the other person caused.

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Right hand drive is banned in Russia, Belarus and Kazakhstan

From January 2015 right hand drive cars cannot be imported to the territory of the following countries: Russia, Belarus and Kazakhstan. In all countries of the Custom Union cars will be completed and produced with a similar package of documents, including one type of insurance and car passport. Also the unified standards will be introduced for the expertise laboratories and testing facilities, employment verification and testing of vehicles. Meanwhile, our interlocutors in one of the insurance companies found it difficult to comment on the situation of creating the common insurance zone. According to world statistics in the world every 30 seconds someone dies as a result of the accident. Per year, the number of victims reaches 1.2 million. From 20 up to 50 million of the drivers receive a simple injury.

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5 advices how to avoid the crashes in strong winter

Soon strong winter will knock our doors and the streets will be full of snow the snow, that is why ee decided to write down some useful advises how to avoid accidents in a snowy weather. 

First of all change your car's shoes. 

Definitely with the first snow You should replace the rubber winter tires. Remember that driving with the summer tires in law temperature is unsafe even on dry roads. Do not rely on electronic assistants (ESP, ESC, etc.) — they hold the car on tool path, stopping only one or more wheels but not 4 ones immediately. When the clutch is not coated, wheel electronics useless. 

Clean the glasses

Check that the scraper will not disappear from the car, and not be lazy to clean the glass before the trip. Lack of visibility is a common cause of winter crashes: hurrying to work, people are beginning to move with icy glasses. And for avoiding the formation of ice, air out the Salon before you go home, leaving the door open for a few minutes. Then the snow will not melt on the windshield because of the temperature differences, and in the morning you can easily brush it off.

Don't make agressive movements

Forget about the aggressive driving: the sudden accelerations and changing the driving lines can case accidents. As soon as the snow settles you need to pay more attention on the change in behavior of your car. For example, several cycles of acceleration and braking will give you the insight about changing the stopping distance.

Brake safely

Remember that in the winter, you must increase the distance with the front running car. If your car is not equipped with an anti-lock braking system ABS, you need gradually increase the brake pedal force, until a complete stop without locking the wheels. If you feel that the wheels have been blocked and the car started to slide, release the pedal again and softly squeeze.

Handle the doors

In order to avoid the doors' ice block, handle the rubber gaskets with silicone grease.

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Honda will pay a penalty for hiding defects

Honda Company faces a record penalty accounting 35 million dollars for the concealment of cars’ defects that could lead to more than 1700 accidents in the United States with the death and injuries. American Honda unit acknowledged the non-awareness of the National Highway Traffic Safety Administration (NHTSA) on the 1729 incidents (eight of them occurred due to faulty airbags Takata). Producer explained the hiding information as "unforeseen failures in a database and software errors." Now Japanese Company is faced the punishment in the form of seven thousand dollars for each day of hiding information from July 2003 to the end of June 2014 years. During this period, the company informed the American authorities about 1144 accidents occurred due to defective machines, while the majority of the cases were from the authorities are hidden. There no doubt that Honda will have to pay 35 million dollars.

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Countries with the most aggressive drivers

Drivers from UK in terms of aggression are on the higher position than the drivers from other countries. The Agency UK Lease Plan came to this conclusion after conducting a survey among 3 thousand. drivers from 20 countries of the world. Drivers from Russia did not participate in the survey. About 76% of British said that they have received many of gestures that are deemed offensive. Yet every other driver out of the UK have heard from other road users using foul language. About 73% of drivers found themselves in a situation where aggressive drivers blocked their path.

The British were more aggressively by a number of indicators of the Spaniards and the Italians, who are considered the most vivacious European Nations. By the level of aggression among the drivers are Czechs, Frenchmen and Germans. Among 20 countries that participated in the ranking, the last place by the level of aggression is Turkey. There is only 23% of drivers received in their address insulting gestures, 15% have heard foul language and another 13% have been blocked by the aggressors. Remember, about a year ago, members of the LIBERAL DEMOCRATIC PARTY in the State Duma of Russia introduced a Bill, under which drivers have offered fine worth from 2.5 to 5 thousand rubles for aggressive driving. It's understood the deliberate interference with the vehicle, resulting in the risk of emergency or threat to the safety of other road users.

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Drivers ignore the ban on the use of phones

According to the British Government, in recent years, the use of mobile phones by drivers while driving has reached wide-ranging proportions in the country, despite simple penalties for those who do not use hands-free devices.

According to the latest data of the Ministry of Transport of the United Kingdom, the number of deadly road accidents happened because of the use of phones has increased from 17 in 2012 to 22 in 2013 year, it rises to 29%. The number of road accidents, the cause of which was the use of mobile phones, also rose from 378 to 422 for the same period.

Representatives of the British Automobile Association stated that the use of smart phones while driving has become widespread in the country, despite the fact that using a cell phone while driving without a hands-free device is prohibited. For such phone talk the driver can get three penalty points to the driver's license, as well as a fine of up to 1000 lbs (1273 euros).

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First Car Accident

The automobile as a revolutionary technology came to the stage in 18th century with the establishment of steam-power machines capable to carry humans. But the benefits of mobility were accompanied by dramatic new risks. You might think that the first car crash was after Karl Benz built his famous Patent Motorwagen in 1886, but in fact the first recognized car accident was the death of the scientist Mary Ward on August 31st in 1869, in the City of Birr in Ireland. On that day, Mary and three companions were having a trip on a steam powered carriage. While in motion, the carriage hit a bump, throwing Mary from her seat and into the path of one of the carriage’s wheels where she was crushed.

Mary’s death was reported the next day in the King’s County Chronicle and a formal investigation was held to discover the cause of death and whether anyone was at fault. In the end, the jury decided that Ward’s death was nothing more than a awful accident, though the reason for the carriage suddenly throwing Mary to the ground was never discovered.

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Dangerous drivers' habits according to insurers

A research, conducted by the largest insurance company AXA, in frames of which 450 drivers were questioned, showed the most dangerous habits, which can bring the drivers to an accident. 

The majority of respondents (62%) of drivers confessed that in recent years they have become less likely to feel safe on the roads. As the main reason for such a situation, the drivers named aggressive driving (72 %).

The drivers are noted and the various factors and habits can also affect the road safety. On the first place was an excess of permitted level of alcohol in the blood. On the next places of the "most dangerous habits" were: writing SMS while driving, and the third is checking phone or Tablet for messages or e-mails while driving!

Interesting, that only 39% of respondents mentioned the use phones. Other popular violations for which the respondents had admitted themselves guilty are the exceeding of the speed limit by 10km/h and driving under the yellow traffic light signal (50% of respondents).

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