Keep your eyes on the road – Auto Fleet Risks

Auto Fleet Safety

According to the annual Governors Highway Safety Association Spotlight on Highway Safety Report, there will be a 10% year-to-year increase in the number of pedestrians killed in motor vehicle crashes in 2015. This comes on the heels of a 19% increase from 2009 to 2014, a period in which total traffic deaths decreased by about 4%. […]

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Distracted driving can lead to reckless endangerment

On average, eight people lose their lives every day in the United States due to distracted driving. While mobile phone usage has been linked to distracted driving, these other activities can also significantly elevate risk: Eating and drinking Talking to passengers Grooming Reading, including maps Using a navigation system Watching a video Adjusting a radio, […]

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Risks Ahead. Did you know? The number of motorists being caught for distracted driving is rising.

A recent report from Pennsylvania’s court system indicates an increasing number of motorists are being caught for distracted driving. 1,140 drivers were cited for texting while driving in 2014. An increasing number of drivers are being cited under a different statute for using headphones while driving. Motorists convicted of texting while driving are required to […]

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Risks Ahead. Have you checked your New Year’s Eve Risk Profile lately?

New Year Risks - KMRD

More than 4,000 vehicles are stolen on New Year’s Eve and New Year’s Day, according to the National Insurance Crime Bureau. New Year’s Eve/New Year’s Day is the second most deadly day for drivers, according to the Insurance Institute For Highway Safety. Some people believe breaking anything on New Year’s Day could ring in a year […]

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Winter Risks Ahead. Winter begins in two weeks, and with it come these risks

Winter risks

From 1994 – 2013 insured winter storm catastrophe losses totaled more than $1 billion a year on average. Approximately 23% of vehicle crashes each year – nearly 1,312,000 – are weather related. 17% occur during snow or sleet. Water damage and freezing account for almost 22% of homeowners insurance claims, with an average of $4,024 […]

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Business Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment

What if an unscheduled event suddenly seizes control of your business? Are you ready? With hazardous driving conditions about to return, it becomes even more important to examine the theory supporting negligent entrustment. The law maintains a company has a legal duty to investigate the driving records and qualifications of all potential drivers and take […]

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Negligent Entrustment – Auto Liability Insurance – Interlock devices save lives

Auto Accident About to Happen

According to Pennsylvania State Statute 75 §3805(a), all autos owned by DUI offenders may for a first offense and must for a second offense be equipped with ignition interlock devices for at least 1 year following license reinstatement. In New Jersey, a first time offender with a BAC greater than 0.15 must install an ignition interlock device. […]

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Vehicle Fleet Risks Ahead. Gender matters on the highway.

Young females have more auto crashes at intersections and collisions with pedestrians. Young males have more auto crashes after sunset than young females. Young females are more likely to be involved in auto crashes during weekdays. Young males are more likely to be involved in auto crashes during weekends. Young females are 66% more likely […]

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Hall of Shame – Fellow Employee Exclusion in the Standard Auto Policy

Auto Accident About to Happen

This scenario represents an actual coverage issue in an insurance program of a well run, profitable business brought to light and altered by KMRD. The following claims scenario was troublesome to the CEO and CFO: Key manager drives an employee using a company vehicle to a client’s office for a meeting. An auto accident occurs and […]

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