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Transport Canada says statistics for 1998 show that fewer people are dying in traffic accidents. What is increasing though is the number of motorcyle and bicycle fatalities.

Auto Car Insurance, Auto Insurance, Car Insurance Accidents, Car Insurance

Statistics reveal that:
  • Nearly 3,000 people died and 217,614 were injured.
  • There were 150,919 traffic accidents in 1998.
  • That’s a 4.7% drop in fatalities and 1.7% drop in injuries compared to 1997.
  • This means that road fatalities across Canada were at their lowest levels in 43 years.
  • The deaths include 1,479 drivers, 729 passengers, 401 pedestrians, 166 motorcyclists and 76 bicyclists.
  • Motor bike deaths were up about 35% from the year before and bicyclist fatalities increased about 14%.

Are Sports Utility Vehicles Safe? You decide!

  • The National Highway Traffic safety Administration(U.S.A.) reports that the rollover rate for SUV’s is 98 per 1,000,000 which is double that of all vehicles which is 47 per 1,000,000.
  • Between 1991 and 1994 about 9,000 people have died from rollovers. In fact, 10,000 people died in 1996 alone. Apparently, the Sports Utility Vehicle tends to tip over and roll due to the swerve/counter-swerve with its high-gravity point. SUV’s were specifically built to drive at slower speeds and clear larger obstacles and difficult terrain. They have a higher center of gravity. This interesting trait is deadly when combined with faster driving and defensive street driving such as attempting to avoid an obstacle by swerving.

Are Airbags Effective?

According to the National Highway Traffic Safety Administration more than 2,920 people owe their lives to airbags. Driver deaths have been reduced by 14% and passenger deaths reduced by 11%. When combined with the proper use of a
seatbelt it reduces the risk for serious head injuries by 75%. Where seatbelts alone have a 38% risk factor.

However, since 1990 there have been 105 deaths that have been reported and a majority of these were children.

Believe it or not!!!

MORE INTERESTING STATISTICS

Despite a crackdown by York Regional Police(Ontario, Canada) it appears fatalities are on an increase. The statistics recently released are as follows:

  • Forty one people lost their lives in traffic Fatalities collisions in 1999, compared to 33 in 1998.
  • Eight of last year’s (1998) fatal collisions were double fatalities.
  • It appears speed is the single biggest contributor. Last year, it accounted for 36.4 %, compared to 26.7% the year before.
  • Alcohol was a contributing factor in 21.2 % last year. This was up 16.7% in 1998
  • Failing to stop at a stop sign was responsible for 9.1% of last year’s fatal collisions, up from 6.7% a year earlier.
  • Misadventures of carelessness dropped to 3%, from 13.3% the previous year
  • Pedestrian actions accounted for 9.1% of fatals in 1999 which is less than half the 20% total in 1998.
  • Weather was a factor in 9.1% of fatal accidents in 1999 compared to 3.3% in 1998

Now................according to RIDE statistics:
  • There were fewer vehicles stopped in 1998. 29,856 to 32,480 in 1998
  • 575 roadside breath tests were administered which was up from 448 the year earlier 99 (12 hour) suspensions were handed out. This is double the 51 in 1998
  • 17 (90 day) suspensions were handed out. This is up from the 11 handed out the year before.
  • 5 impaired driving charges were given which was up from 4 in 1998
  • 15 charges of driving with more than the legal limit of alcohol in the bloodstream were handed out.

This was up from 10 the year before.
  • 11 drivers were charged with other criminal code violations. This was up from 1 the year before.
  • 18 people were charged with failing to wear seat belts. This is up compared to the 1 charge the year before.
  • Ironically for all the stepped up public safety efforts which includes a 40 % increase in traffic enforcement over 1998 the increased carnage and trauma during 1999 is very alarming. It appears that people don’t seem to get it and that they should not drink and drive.
  • Fatal accidents not only devastate family and friends, they affect emergency crews and the attending police officers. It’s effects are far reaching and troubling.

Canadian Insurance Industry Facts of Interest
  • Total Property/Casualty Insurance Companies operating in Canada are 237.
  • Total Property/Casualty Insurance Agencies and Brokerages in Canada are 7,213 
  • Total estimate of people employed in the private 
 
Property/Casualty industry in Canada:
  • Insurance Companies       35,555
  • Brokers                             56,885
  • Adjusters/Appraisers       3,865 (1997 stats)


Not knowing how the automobile insurance system works can cost you money.

auto car insurance, Auto Insurance, Car Insurance, Car Insurance Accidents, Road Deaths

Here are a few Tips to watch out for!

1) Have all drivers listed!

Check your policy carefully on each renewal to make sure that all licensed operators of your vehicle are listed and shown on the policy.

For example - The vehicle and insurance is shown in the husbands name yet no where on the policy is the wife’s name even mentioned though she has driven for 20 years accident free. What if another car was bought for her and she has no previous insurance experience to confirm? Under age drivers (25 yrs old) might be another area of concern. People might believe they are saving money by not showing them as operators? But what happens when they do get their own vehicle and can’t provide accident free insurance experience. And they will get their own auto- it’s just a matter of time.

2) NSF Payment Cancellations.

Be responsible on payments for your auto insurance. Cancellations for non payment, non sufficient fund cancellations can be very negative and costly to you. It may even limit what insurance company you can place your insurance with! Be responsible and if a cancellation problem arises deal immediately with your broker to resolve it. Don’t ignore it!

3) Depreciation - what may happen on a claim.

Being prepared and knowledgeable can make a big difference with the results of a auto claim.

For example - If your car tires are stolen and you report a loss under your comprehensive coverage would your tires be replaced at full value. Not likely!
Such factors as age, condition, usage, wear and tear come into play. It only makes sense! Your tires might have 20,000 miles on them and yet you would be getting new tires. But how do you protect yourself so the claim is fair for you and the insurance company. A tip- keep the original bill of sale and have written on it the actual mileage of the vehicle at the time of installation by the tire installer!

4) What can I do to keep the cost of insurance down.

Contact your broker and discuss how your use of the vehicle(s) at present is rated and how your insurance company classes are determined. A potential problem could arise at the time of loss if your use is not properly classified. Also, you could be paying extra money by being wrongly rated.

Are you rated properly as your circumstances are today..... not in the past!

People Withholding Information!

Figures released by the Insurance Advisory Organization (IAO) suggest that a significant percentage of both personal and commercial policyholders are not disclosing past claims to their insurers when arranging insurance. The I.A.O. commercial based Claims Tracking System shows non-disclosed claims on more than 50% of inquiries while about 20% of the 150,000 monthly inquiries made to the Habituation Tracking System (home, etc.) uncover omissions. What that means is even if these figures are only half accurate then too many people are withholding insurance claims information and not disclosing it when arranging insurance.

In fact , statistics revealed that "seven to eight cases a day show up as suspicious". I can think of three possible reasons perhaps for this outcome.


1) One would be that some people simply don’t give the information as they believe they can hide it.

2)The second possible reason is that people simply forget to mention a particular claim or incident.

3) The third possible reason is the insurance broker did not ask the right questions.

But, whether the non-disclosure occurring is due to genuine errors, insufficient information being requested , or deliberately omitted, the real problem might end up with the insurance companies basing their rates on inaccurate data. Thus, someone might enjoy lower rates for car insurance as having no claims when in fact they had at- fault claims and should be paying a rate based on that actual record.

While their might be the odd company which does not check the data base for each and every new application for any past claims experience, the simple fact is most do! Most do it with no exceptions.

To combat fraud and misrepresentation, the ICPB’s Aspect system is linked to the U.S. National Crime Intelligence Branch, recording all vehicle movement across the border. ICPB’s advises that false stolen vehicle claims have been uncovered utilizing the system



Warning! Is Your Driver’s License Still Valid!

In Ontario (Canada) all new drivers, regardless of age, must complete a two level "Graduated Licensing" program before they qualify for full license privileges. These drivers have a maximum of five (5) years from the start date of their Level One License to earn full license privileges. If they do not receive their Class G license ( full license) within this 5 year period, they must reapply and start the licensing process over again.

According to information provided by the Ministry of Transportation, an estimated 125,000 Ontario drivers will see their Level One and Level Two licences automatically expire this year. If you received your Level One or Level Two license in 1994/95 and have not "graduated" to a Class G License, your license may have already expired. This means you could unwittingly end up driving without a licence. Please check your license and with the local registration licensing office.

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