February 15, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
State Farm has reported damage caused by a pothole can generate an average of between $300-$700 in vehicle repairs. Pothole damage will only be covered by collision insurance, which usually carries a $250 – $1,000 deductible. Because a pothole-damage reimbursement claim falls under collision insurance, it may result in an increased insurance rate. These […]
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Business Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment
November 17, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
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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Risks Ahead. Drowsy Drivers Cause Accidents – Update Your Auto Fleet Manual to Increase Awareness
October 23, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
According to a study by AAA Foundation for Traffic Safety, between 2009 and 2013 21% of all fatal crashes involved a drowsy driver. 1. 37% of drivers report having fallen asleep behind the wheel at some point in their lives. 2. 11% report having fallen asleep behind the wheel in the past year. 3. Most […]
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Negligent Entrustment – Auto Liability Insurance – Interlock devices save lives
October 6, 2015 / by KMRD Partners / Insurance Coverage, One Minute From Normal Series, Risk Control / 0 comments
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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Fleet Safety – Hands-free cell phone hazards
July 28, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
Hands-free cell phone hazards At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? While 14 states, D.C., Puerto Rico, Guam and the U.S. Virgin Islands prohibit all drivers from using hand-held cell phones while driving, no state has a similar blanket […]
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Auto liability and collision claims costs are rising
March 29, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? According to the National Highway Traffic Safety Administration, U.S. motor vehicle crashes in 2012 cost an estimated $1 trillion ($1,000,000,000,000) in terms of loss of productivity and loss of life. An […]
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Can You Be Sued If Your Employee Texts Someone Who is Driving?
March 27, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
In New Jersey, sending a text to someone you know will view it while driving can potentially result in civil penalties. In a recent case, Judge Victor Ashrafi of the New Jersey Appeals Court wrote the following for the majority: “We hold that, when a texter knows or has special reason to know that the […]
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The lingering costs of a DUI
March 17, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
A St. Patrick’s Day celebration can get expensive if you overdo the celebration and are one minute from normal. In Pennsylvania, as in many states, the fine for a DUI citation is exceeded by the jump in car insurance premiums. If you are a first-time offender with a blood alcohol level of less than 0.10% […]
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Reverse Rate Evasion…New Jersey Act A-2281/S-1737 signed into law
March 16, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
Governor Chris Christie of New Jersey has signed into law Act A-2281/S-1727, which identifies so-called reverse rate evasion as a form of insurance fraud and provides for civil and criminal penalties.The act targets residents who fraudulently obtain auto insurance in another state with lower rates, even though New Jersey is their principal residence or they […]
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Pothole season survival tips
February 15, 2015 / by KMRD Partners / One Minute From Normal Series / 0 comments
State Farm has reported damage caused by a pothole can generate an average of between $300-$700 in vehicle repairs. Pothole damage will only be covered by collision insurance, which usually carries a $250 – $1,000 deductible. Because a pothole-damage reimbursement claim falls under collision insurance, it may result in an increased insurance rate. These […]
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Risks Ahead. Texting while driving creates a crash risk 23 times worse
January 27, 2015 / by KMRD Partners / Risks Ahead Series / 0 comments
The Virginia Tech Transportation Institute found that text messaging creates a crash risk 23 times worse than driving while not distracted. Yet, in an online survey of drivers in Erie, Pennsylvania, 30% of the respondents admitted to texting while driving. 75% reported observing others doing it. Following are other forms of distracted driving respondents reported […]
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