Category: Auto and fleet


Buying a used car? Don’t get scammed by title washing

You see a nice used car at the local dealership that would be great for your college-bound son. You buy the car, and a few weeks later, you get a call that your son is being held by police on a charge of car theft. What!?! You spend considerable time to prove he is not a criminal and that you recently bought the car. You clear things up for your son but the issue of the car is not so simple. You are the victim of title washing. The car is indeed a stolen vehicle so you won’t get that back.

If that sounds like a far-fetched scenario, it’s not. It’s exactly what happened recently to a Chicago couple who suffered a $24,000 loss on a used car they’d recently bought. Both they and the car dealership where they bought it were victims of a title washing ring that is now under investigation.

A title washing scam might seem like a relatively obscure thing, but it’s not. It’s estimated that used car buyers are scammed up to $30 billion a year in what the National Association of Attorneys General calls the worst problem used car buyers face. Experts say that as many as 1 in 44 titles in some states have been washed.

In simple terms, title washing is a scam in which the paperwork for stolen vehicles is faked or forged. But it’s not just stolen cars – title washing is also a way to clear a troubled car’s history, a common way to re-market cars that have been totaled, salvaged or flood-damaged. This article offers a good overview of the practice: Title Washing in America – Lemons without the Lemonade  It includes a handy list of red flags to look for when buying a used car, which we’ve reprinted below.

One lesson to be learned from this is not to rely solely on the title when buying a used car. In buying a used car, be sure to check if it has been declared stolen or totaled by searching the car’s VIN:

Of course, there are other best practices beyond just checking the title when buying a used car. See these sources for more tips:

red flags for buying aused car

Reprinted from Renaissance Alliance – no usage without permission.

How to avoid hydroplaning – and what to do if it happens

We all think about tire safety in winter when the roads are snowy or slushy and we adjust our driving accordingly. But what about in the rain? Wet, slick roads with water buildup can be quite hazardous, too. Many drivers are rather cavalier about  adjusting their driving in the rain  and are caught short when something goes wrong, such as hydroplaning.

Hydroplaning – also sometimes called aquaplaning – is losing traction over water while driving, and actually skimming or sliding on the surface of that water. Losing contact with the road is a frightening experience because it results in loss of control of the car. The formula for hydroplaning is speed, tire tread depth and water depth. It’s important to maintain your tires and slow down when it rains. Even a light rain can be hazardous, particularly in the first few minutes as rainfall mixes with oils on the road surface.

Edmunds offers excellent Tips for Driving Safely in the Rain. Also, check out these two videos that talk more about what hydroplaning is and what to do should it occur.

 

Technology helps, but is not a substitute for caution
While driver-assist technologies such as traction control, anti-lock brakes and lane assist technologies can help keep us safer, don’t rely on them. Be cautious and be prepared:

  • Maintain your tires – make sure the tread is good and that they are properly inflated.
  • Slow down when it rains. Many experts suggest reducing speed by about one-third.
  • Avoid standing water.
  • Disable cruise control on wet roads and when raining.
  • Increase the following distance between you and the car ahead.
  • If you do hydroplane, stay calm, ease off the accelerator, and don’t make any sudden moves that may cause a spin out.

Reprinted from Renaissance Alliance – no usage without permission.

Cellphone driving laws: Florida and Massachusetts

Florida has a new law that prohibits texting while driving, which went into effect July 1. It’s called the Wireless Communications While Driving Law. From now until January 1, 2020, drivers who break the law will get a warning, but after that, a $30 fine will be imposed for a first offense, and a $60 fine for a second offense. But that’s actually just the tip of the iceberg – there are court costs, insurance surcharges and more that can make breaking the law quite costly. Florida Today explains why your $30 ticket becomes way more expensive, breaking down additional court costs and fees that bring your actual first-time penalty to $119 in Brevard County. (Each county’s fees may differ)  In addition to that, your auto insurance rates could cost you up to 25% more per year for three years. That means that a quick text could be very costly!

Local 10 offers a recap of what you need to know about Florida’s new texting while driving law. There are some exceptions, which they list as:

“Some exceptions apply. The law does not apply to vehicles that are stationary or to a driver who is:
– Performing official duties, such as operating an emergency vehicle (i.e., law enforcement, fire service professionals, and emergency medical service providers).
– Reporting an emergency, a crime or other suspicious activity to law enforcement.
– Receiving messages that are:
a. related to the operation and/or navigation of the motor vehicle; b. safety-related information (emergency, traffic, and weather alerts); c. data used primarily by the motor vehicle; or d. radio broadcasts.
– Using the device in a hands-free manner for navigation purposes.
– Using the device in a way that does not require manual entry of characters, except to initiate a function or feature.”

Massachusetts cell-phone ban law in the works

Massachusetts residents take note: In June, Boston.com reported that a driver hand-held cellphone ban moves closer to becoming law. The Senate and the House have both approved versions of the law and must now reach agreement on a compromise bill. But be aware that proposed fines are costly:

The bill calls for a fine of $100 for a first offense, $250 for a second offense and $500 for a subsequent offense. Those who commit a second or subsequent offense would be required to complete a program that “encourages a change in driver behavior and attitude about distracted driving.”

A third or subsequent violation would also be a considered a surchargeable incident under car insurance policies. The bill would allow an exception to using cellphones in the case of an emergency if no one else in the car is able to make the call.

Driving & cellphone use laws by state

Here’s a handy tool to bookmark: The Insurance Institute for Highway Safety (IIHS) maintains a summary of cell-phone use laws with maps and a detailed chart listing of cellphone use laws by state.

They summarize three types of prohibitions for cellphone use laws:

  • Hand-held ban laws: Bans on hand-held phone conversations while driving are widespread in other countries and are becoming more common in the U.S. In 2001, New York became the first state to ban hand-held phone conversations by all drivers. Now 20 states and the District of Columbia have similar laws.
  • Texting ban laws: Texting is banned for all drivers in 48 states and the District of Columbia.
  • Young driver phone ban use laws: 38 states and the District of Columbia restrict cellphone use by young drivers.

Reprinted from Renaissance Alliance – no usage without permission.

What’s an insurance deductible?

Like many other industries, insurance has its own unique jargon that can sometimes make shopping for coverage seem overly complicated. Your local independent insurance agent is always happy to break things down for you and explain any language or terms that you don’t understand. One term that is commonly used in auto, health and in other insurance policies is “deductible.”

In simple terms, a deductible is the amount of money that you, the insured, must pay for a claim before your insurance will kick in.

If you have a deductible, it means that you will be responsible for any losses or payment of services up to the stated dollar amount in your insurance policy. Usually, deductibles are defined as a dollar amount, but they can also be defined as a percentage.

Deductibles can be beneficial both for the insured and for the insurance company. For the insured, it can be a way to are a way to reduce the cost of insurance: The more risk for loss that you, the insured, agree to pay before the insurance kicks in, the lower your premium. For the insurance company, it is a way to avoid the cost of processing and paying a high volume of small claims. Talk to you insurance agent about what deductible options are available to you and how they will affect the cost of your coverage.

Let’s look at an example: You are in an auto accident and your car’s damages are assessed at $1250 in damages. If your insurance policy has a $500 deductible, you will have to pay the first $500 of the damages to your car out of your own pocket and the insurer will pay the remaining $750. Generally, once the deductible is met, any future losses that you might have during the term of that policy will be covered in full.

The Insurance Information Institute has a great article on understanding your insurance deductibles that explains how deductibles work to prevent surprise costs and save money. It’s a good introduction with clear examples. They also discuss homeowners disaster deductibles for hurricane, wind/hail, flood and earthquake coverage. (Reminder: your homeowners insurance does not automatically cover you should your home be damaged by flood, earthquake, and other natural catastrophes – talk to your insurance agent about what your homeowners does and doesn’t cover.)

Businesses can also opt for deductible plans for certain types of business coverage such as workers compensation programs.

Many people are familiar with deductibles through their health insurance coverage. Learn more about health insurance deductibles at HealthCare.gov.

As with all insurance matters, you need to check your own policy. Insurance can vary by state law, by type of coverage, and by individual policy. It’s a good idea to read your policy and to ask your insurance agent to explain any terms that you don’t understand.

 

Reprinted from Renaissance Alliance – no usage without permission.

Motorcycle Mania: Your spring guide to insurance, safety, training, laws and more

Despite the good news that motorcycle fatalities are trending down in recent years, motorcycle riders still represent a disproportionate share of traffic fatalities. May is Motorcycle Safety Awareness Month, a good time for riders and those who share the road with motorcyclists to double down on safety as we all get ready for the warmer weather and summer road trips. Here’s a guide to important information that you need to be prepared and to ride safely, as well as to comply with licensing, insurance and other legal requirements. .

Motorcycle Laws

If you operate your motorcycle on public roads, you must register it with your appropriate state authority and must be licensed to drive it.

AAA Digest of State Motor Laws – Motorcycles

State-by-State Guide to Motorcycle Laws – helmets, headlights, passengers, noise restrictions and more

III: State Motorcycle Helmet Use Laws (chart form)

State Highway Offices

Motorcycle insurance

Most states require that you carry at least a minimum insurance coverage – Florida, Montana and Washington are exceptions. Those states that do require insurance vary as to coverage requirements; most require a minimum of liability insurance to cover bodily injury and property damage.

Whether required or not, we think it’s pretty risky to go without coverage. Should an accident occur resulting in an injury or property damage, without insurance, you are on the hook. In fact, it is generally worth looking into expanding your coverage beyond the minimum. Options to consider are comprehensive and collision, which would cover other potential losses, such as replacement if your bike were stolen or damaged.. In some states, uninsured/under-insured motorist coverage is required; in others, you may be required to have specific coverage for passengers.

Motorcycle owners sometimes ask if they can cancel insurance in the winter when they aren’t riding but that can be risky and leave you exposed if the bike is stolen. Some insurers offer winter lay-up insurance options.

Talk to your independent insurance agent, who will be able to recommend the best coverage for your local requirements and your particular circumstances. Be sure to ask if there are any discounts that you may qualify for, such as for bundling multiple policies, for being a safe driver, for having participated in training, or any other circumstances.

For more, see the Insurance Information Institute (III): Find the right coverage for your bike

Motorcycle Safety

The Motorcycle Safety Foundation is a valuable resource. It is a not-for-profit resource, internationally recognized for comprehensive, research-based, Rider Education and Training System (RETS), which promotes lifelong-learning for motorcyclists and continuous professional development for certified coaches and trainers. MSF also actively participates in government relations, safety research and public awareness campaigns.

Check for available trainings and download their popular guide, You and Your Motorcycle: Riding Tips. Check out their other guides for three-wheelers, scooters, off-highway riding and more.

III: Background on: Motorcycle crashes

NHTSA: Motorcycle Safety

Choose the right helmet – how to find the right fit for safety

Helmet safety ratings – Make sure your helmet has the DOT symbol on the outside back; this means it meets Federal Motor Vehicle Safety Standard (FMVSS) No. 218.

Motorcycle Industry Council Tire Guide

NHTSA: Safety Issues and Recalls – search by VIN

Additional Resources

How to Prepare your Motorcycle for Spring

Consumer Reports: Motorcycle Buying Guide & Ratings

Motorcycle Club Listings

Reprinted from Renaissance Alliance – no usage without permission.

Car thieves are just driving away with our cars for the darndest reason!

We’ve all misplaced our car keys at one point or another, but are people getting more forgetful?

That would appear to be the case if we review the recent report that the National Insurance Crime Bureau (NICB) issued on car thefts. Thieves are driving away with our cars because we are making it too easy for them by leaving our keys and fobs right in the vehicles!

While car thefts in general are on a downward trend, the numbers of cars stolen due to keys in the car are on the rise. And it’s not just a slight uptick – there’s been a 56% increase since 2015 and an 88% increase since 2013!  Every single day last year, an average of more than 200 cars were stolen due to keys in the car. You can learn more in the NICB press release on thefts of vehicles with keys, along with the short video and infographic, below.

Sometimes the keys or fobs left in the car are not due to forgetfulness – thefts spike in the winter when there are more cars being warmed up in cold weather. Beyond that, NICB doesn’t speculate as to why. It may be because they are quieter. We previously talked about how quieter, keyless cars are related to an increase in carbon monoxide deaths. Beyond that, it’s anyone’s guess: Too much trust in anti-theft and theft-recovery systems? An aging population of drivers? Distracted by our phones as we are powering off our cars? Hard to know.

To prevent this happening, NICB advises drivers to:

  • Lock the vehicle, set the alarm and take all keys or FOBS.
  • Do not leave the garage door opener in the vehicle.
  • Take a picture of your registration on your cell phone and do not leave the registration or other papers with personal information in the vehicle.
  • Never leave a car unlocked and running to warm it up or while stopping for a quick cup of coffee. It only takes a moment for the opportunistic thief to jump inside and drive off.

Reprinted from Renaissance Alliance – no usage without permission.

Thinking of a side hustle? Check with your insurance agent

Today, it seems like everybody’s got a side hustle, which is essentially just a fancy rebranding of what used to be called moonlighting. But today’s moonlighting often comes with a twist …. these gigs often involve using your personal car or home to generate extra income. Whether it’s driving for Lyft, dropping off packages for Amazon, delivering meals through DoorDash, renting your home through Airbnb or just taking advantage of a tourist influx during a big local event by renting out your home, five words of advice: check with your insurance agent.

If your goal is earning some extra cash, make sure you understand and are covered for potential risks. You might think you are covered by working for a third-party service, but if you injure yourself or someone else while working, if you damage or lose someone’s property or if you suffer a loss to your own property, you may be on your own. Here are just two examples:

Home rental – If you want to start renting out all or a portion of your home through a peer-to-peer rental service, what happens if a guest is injured on your property? Or if a guest burns the whole place down in a cooking fire, will your rental service cover your home replacement?

Some services, such as Airbnb and VRBO, offer programs such as host guarantees or host liability insurance. On first glance, these may look adequate – $1 million liability coverage should be enough, right? But like most things, you need to read the fine print because there are conditions, limitations and exclusions that could leave you exposed to serious loss. You also should not assume that your own homeowners policy will provide coverage in a home rental scenario. Insurance Information Institute says:

Standard homeowners and renters insurance policies are designed for personal risks, not commercial risks. Some insurers now offer a home-sharing liability insurance policy that can be purchased on a month-to-month basis, but there may be exclusions and limitations, so read the policy carefully. If you plan to rent out all or part of your home on a regular basis, many companies will consider this a business use and you may need to purchase a business policy—specifically either a hotel or a bed-and-breakfast policy.

Ridesharing – Check with the service you are contracting with about any coverage that they might offer – states are increasingly mandating that third-party services provide some coverage, but again – there could be conditions, limitations and exclusions that leave dangerous gaps in your coverage. And it’s a mistake to assume that your own personal auto insurance will cover you. Insurance Information Institute says:

Generally a standard personal auto policy will not provide coverage for ride-sharing. A standard personal auto insurance policy stops providing coverage from the moment a driver logs into a TNC ride-sharing app to the moment the customer has exited the car and the transaction is closed.

They also advise:

Prospective drivers should ask the TNC what level of coverage it provides. Drivers should also contact their own auto insurer to address gaps, if any, in their liability protection. It is also recommended that TNC drivers review a copy of their TNC’s insurance contracts so they know the exact terms and conditions of the coverage.

Learn more: Ride-sharing and insurance: Q&A

These are just two common examples of so-called side-hustles, but other income-generating activities might call for other types of coverage, such as product liability or home business coverage. Your agent can also help you assess the adequacy of coverage offered by a third-party.  If you are considering a side-hustle, give your independent insurance agent a call to talk things over.

Reprinted from Renaissance Alliance – no usage without permission.

It’s National Work Zone Awareness Week

Highway road construction zones are a dangerous place, an area where accidents are more likely to happen. Workers perform their jobs in a high-risk environment as multi-ton metallic vehicles speed by them all throughout their shift. But despite the vulnerability of the road workers, drivers are the most frequent fatality in work zone crashes. Between 2016 and 2017, fatal crashes in work zones increased by 3 percent while fatal crashes outside of work zones decreased by 1.5 percent.

Work zones are a highly dangerous and unpredictable environment for drivers, who encounter narrow lanes, sudden stops and traffic pattern shifts. Work vehicles can be entering and exiting. Normal road markings may be obstructed, replaced by unfamiliar signage. Paved shoulders are not in place.

This week marks National Work Zone Awareness Week, April 8-12 – a campaign to raise awareness about the risks for workers and the general public alike, and to offer a reminder to “drive like you work here” around work zones for the safety of all.

Here are infographic tips from the Federal Motor Carrier Safety Administration – copy them  and share them on social media.

 

Reprinted from Renaissance Alliance – no usage without permission.

Tips for driving safely around large commercial vehicles

Any time you are driving your car on the highway or on your city and town roads, you are navigating a vehicle that weighs about 5,000 pounds, while sharing the road with 12.5 million giant commercial vehicles. A fully loaded bus can weigh 30,000 to 44,000 pounds, according to the American Public Transportation Association. And according to The Truckers’ Report, the legal weight for an eighteen wheeler is 80,000 lbs. Plus, factor in any oversize or overweight permits. The length of time to stop an eighteen wheeler is 40% greater than that of an automobile.

How confident are you about your driving skills? Having a collision with any other vehicle is a serious matter, but the stakes are even higher when it comes to collision with a 30 or 40 ton vehicle! There are no mere fender benders in an accident pitting your car against this weight class.

The Federal Motor Carrier Safety Administration (FMCSA) has issued Our Roads, Our Safety, a national safety campaign shaped to raise awareness about sharing the road safely with large trucks and buses. They offer Tips for Passenger Vehicle Drivers, as well as Tips for Bicyclists and Pedestrians, both of which are worth checking out. We found the infographics that illustrate the driver tip list particularly helpful and have reprinted them below. They offer useful visual guides for blind spots and space considerations when driving around large commercial vehicles.

diagram showing how to give trucks extra turning space

diagram showing the stopping distance for large vehicles

Reprinted from Renaissance Alliance – no usage without permission.

Retired car features that people miss

Hey – why doesn’t my car turn signal make a sound anymore? Audible turn signals are just one of the new car features you may overlook on a test drive, but later look back on nostalgically. New car advances are great – we’re all driving safer, more fuel efficient vehicles than our parents did – or even than we did, a decade ago. Safety features like air bags, seat belts, anti-lock brakes, cars designed to hold up under crash criteria, rear cameras and other innovations are now fairly standard in new cars. But despite the innovation, many car buyers wax nostalgic for standard features that have all but disappeared or are on the way out. One of the most surprising car features that is going the way of the dinosaurs in many new cars are spare tires, a topic we’ve discussed before (See Does your new car have a spare tire? Don’t count on it!)

AAA features a fun article that talks about 10 Car Features That No Longer Exist in New Vehicles. Some features like front bench seats have been gone or scarce for so long that it’s doubtful if most young people even recall them. Others, like the disappearance of ashtrays, are largely a feature of changing consumer habits. Check out the list – hand-cranked windows, audible turn signals, simple controls and more. Plus, the comments are fun – people list even more bygone favorite features. The most frequently mentioned missing convenience is a Hi/Lo foot-operated dimmer switch that used to be on the floor of the car. Other people said they miss clutches, air vents in the floor, light bulbs that are easy to replace and rear windows that go all the way down. And even though the older, heavier cars were less safe, many people miss the large bodies and the heft and feeling of security that metal and steel offered.

Before you get too sad about bygone Happy Days-era car features, check out this list of what you can look forward to for the future. Consumer Reports offers a preview of up-and-coming vehicle features: Must-Have Features to Get in Your Next New Car, ranging from safety features to convenience. They break both categories down into “must have” and “nice to have” features, as well as a few that they suggest taking a pass on. Here’s their clip on some of the safety features in action.

Remember, whether you are looking for auto insurance  for a vintage classic car or a high-tech new vehicle with all the bells and whistles, your local independent insurance agent can scour the market for the best options.

Reprinted from Renaissance Alliance – no usage without permission.

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