Posts Tagged ‘cheap flights’

Auto Insurance Consumers Switching Policies in Search of Better Insurance

Sunday, July 19th, 2009

Cited: Insurance News

Most people who have a car have a dream of finding the perfect auto insurance policy at the best price. It will have the best coverage and they will save money in the process. The easiest way to fulfill that dream is by searching the Internet for auto insurance quotes. It is, after all, the best way to find a rate that will not cost you more and still get the benefits you want from an automobile insurance company.

Numerous consumers end up switching their auto insurance for the following reasons:

1. Auto insurance policy is too expensive — Today, one of the biggest reasons why people switch auto insurers is because their insurer’s premiums are becoming too expensive to afford. For years, auto insurance rates have been on the rise, but with the recession in full swing, premiums are rising even faster. The Insurance Information Institute reported that a typical auto insurance policy is expected to rise 4 percent this year. This increase comes on top of a 3 percent increase last year.

However, due to competition, auto insurance companies around the country are advertising competitive rates. According to MSNMoney.com, a report by Progressive Auto Insurance showed the significance in shopping around for insurance quotes; its study revealed that auto insurance rates varied across America between 1999 and 2004, averaging between $481 to $586. As consumers and policyholders become strapped for cash and organize their budgets, many are realizing the potential savings of doing business with an auto insurance company that has a lower rate on the same type of coverage as their original insurer.

2. There are “gaps” in their auto insurance policy — It is not uncommon for people to go to another auto insurance company because their policy no longer covers a certain circumstance, or a “gap in coverage.” To make matters worse, some people do not know that they have gaps in their auto insurance policy, until something happens to their vehicle. Once they file a claim, they are flabbergasted and enraged once their insurance agent, appraiser, or customer service agent explains to them that they no longer have coverage.

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3. Relocation — Whether they are moving to a suburb, city, or out of state, policyholders may choose to relocate at anytime. However, the rates of different auto insurance companies vary by location. For example, auto insurance rates in a suburb are usually higher than rates in a city. Moreover, because more people use cars in California than they do in Wyoming, rates will be higher in California.

4. Bad service — Sometimes, it is not the policy itself that causes people to leave their auto insurance company for another one, but the employees who run it. Sometimes, it is just bad customer service and professionalism, whether it’s miscommunication or inexperience. Nevertheless, bad service makes policyholders look for another insurer that will serve them better.

Lowering the Chances of Swapping Auto Insurance Policies

Sometimes, a policyholder’s best solution is to drop auto insurance coverage for a better one (relocating, for example). However, in many cases, hopping around from auto insurer to auto insurer can be avoided, if people take time to practice these tips:

1. Shop online for auto insurance quotes to compare auto insurance companies for the best coverage at a low rate

2. Check their auto insurance policy annually for any gaps in coverage, and talk with their car insurance agent on a regular basis

3. Research the auto insurance company and search for their credibility through the Better Business Bureau, before doing business with them

4. Investigate their car insurance agent, by contacting their state’s attorney general office.

For more information, please visit InsuranceAgents.com.

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My Take: In my opinion, if you truly want to save money on auto insurance, get rid of your car. You’ll save money and gas as well. However, this article is right on one point, searching the Internet will give you the best options to choose from. You should also realize that you could get discounts for taking an educational driving course such as semi truck driving course NY. You can even take in NY online defensive driving class to get your discount. You might want to check with the DMV NY if you live in New York to find out what kind of discount you may be eligible for.

The Internet allows you to compare prices and benefits of each insurance company that you research. You may not find everything you want in one automotive insurance company. However, you will find one that will fit at least 90% of your needs. You need to make sure though that understand exactly what your needs are.

I suggest that you take a sheet of paper and write down everything that you want in your insurance policy. Then put at least three columns next to that list. As you do your research, check off each one on your list in a column for specific company. Yes, this visual aid will help you in making your decision. Don’t forget to check locate discount you get for taking this safety courses for driving. Good luck in your search!

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D.C. Train Crash May Be Due to Computer Failure

Tuesday, July 7th, 2009

Cited: Associated Press

Investigators are now focusing on why a computerized system failed to stop an oncoming train, especially when evidence shows the operator did try to slow it down. When the train is operating in automatic mode, the operator’s main job is to open and close doors and respond to emergencies, which evidence shows that he did. Under automatic mode, the training is primarily controlled by the computer that failed to do its job.

Debbie Hersman, an investigator with the National Transportation Safety Board, said it was unclear if the emergency brake was actually engaged when Monday’s crash occurred. But the mushroom-shaped button that activates it was found pushed down in the operator’s compartment.

Hersman said it wasn’t clear when the button was pressed or how it got that way. She also said there was evidence of braking on the train’s rotors, indicating it was likely that the operator tried to slow down. The train plowed into a stopped train ahead of it at the height of the Monday evening rush hour, killing nine people and injuring more than 70 in the deadliest accident in the 30-year history of the Metro subway system.

Crews spent the day pulling apart the wreckage and searching for bodies. Authorities also worked to determine why the train’s safeguards apparently did not kick in.

“That train was never supposed to get closer than 1,200 feet, period,” said Jackie Jeter, president of a union that represents Metro workers.

All Metro trains were running on manual control following the crash as a precaution against computer malfunction. The cars in the moving train were some of the oldest in the transit network, dating to the founding of the system. Federal officials had sought to phase out the aging fleet because of safety concerns, but the transit system kept the old trains running, saying it lacked money for new cars.

Hersman told The Associated Press that the NTSB had warned in 2006 that the old fleet should be replaced or retrofitted to make it better able to survive a crash. Neither was done, she said, which the NTSB considered “unacceptable.”

Metro General Manager John Catoe said the agency expected to receive proposals “over the next month or so” to replace the old cars, but new trains were still years away from being installed. He insisted the existing cars were safe.

This is not the first time that Metro’s automated system has been questioned. In June 2005, Metro had a close call because of signal troubles in a tunnel under the Potomac River. A conductor noticed he was getting too close to the train ahead of him even though the system indicated the track was clear. He hit the emergency brake in time, as did the operator of a train behind him.

Shortly afterward, Metro attributed the problem to a defective communications cable. The signal relays that control trains were replaced after a serious safety warning in May 2000 by the Federal Railroad Administration. The warning came after failed relays were detected on the system, formally known as the Washington Metropolitan Area Transit Authority.

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The operator of the train that barreled into the stopped cars Monday was identified as Jeanice McMillan, 42, of Springfield, Va., according to Metro officials.

McMillan was hired in January 2007 as a bus driver and was tapped to become a train operator in January 2009, the NTSB said. McMillan completed training and began working as an operator in March. Metro officials say employees start out as bus drivers before moving to trains.

Investigators want McMillan’s cell phone and texting records to determine whether she was distracted before the crash, Hersman said. Safety officials also are investigating a passenger’s statement that the train had stopped briefly then started again before the crash.

Iyesha Thomas, a Metro employee who worked with McMillan, said McMillan would often work the late shift. She did not have a car and if she were unable to get a ride home, she would sleep at Metro’s offices, take the first train to Franconia, Va., and return to work later that day.

A neighbor, Aicha Mezlini, said McMillan was killed driving the first train on her 4 p.m.-to-11 p.m. shift. She said McMillan normally worked Tuesday and Wednesday, but last week Metro changed her shift to Monday.

“There is no evidence whatsoever that this driver has done anything to cause this accident,” Catoe said Tuesday.

The crash occurred on the red line near the D.C. and Maryland border, in an area where higher train speeds are common because there is a longer distance between stops. Trains can go 55 to 59 mph, though it was not clear how fast the train that crashed was traveling. Meanwhile, emergency crews cut away the top of the train that jackknifed on top of a stopped train. They removed the debris with help from a crane brought in overnight.

“The scene that I witnessed was one that no one should have to see,” Catoe said. “It was unbelievable destruction.”

Later, his voice choked with emotion as he addressed hundreds of employees at a prayer vigil. He told them the agency will find out what caused the accident and develop a solution.

“We cannot afford to lose any more of our own, or any more of our customers,” Catoe said. “I need your prayers. This agency needs your prayers.”

Metro has long pleaded for more funding to ensure the system’s safety. The transit network is supported by the District of Columbia, Maryland and the Virginia jurisdictions that it serves. However, unlike other major systems, Metro has no dedicated funding source. Metro officials have long argued that the federal government should contribute because the trains serve the capital, and some 40 percent of rush-hour riders are federal workers.

Catoe said last year it would take $7 billion just to maintain current service and keep the system running safely and reliably from 2010 to 2020. That includes replacements for aging rail cars.

It would take billions more, he said, to deploy longer trains and more buses to meet the projected increase in demand. The number of trips taken on Metro trains is expected to grow 22 percent to about 1 million a day by 2020.

Some passengers involved in Monday’s crash returned to the site Tuesday to get another look at the destruction. Jamie Jiao, 20, of Vienna, Va., said he was aboard the first car of the moving train just a few feet from where the car was smashed.

“It was only a split second,” he said. “We were probably traveling pretty fast. No one had time to react.”

Jiao had two bandages on his face, and his foot was in a splint. He was walking with a cane and complained of aches in his back. “I’m thankful it isn’t more serious,” he said.

Tijuana Cox, 21, was in the train that was hit. She had her sprained arm in a sling on Tuesday.

“Everybody just went forward and came back,” with people’s knees hitting the seats in front of them, said Cox, of Lanham, Md.

The last and only fatal crash in the Metro subway system was on January 13, 1982. That crash caused the deaths of three people in a derailment. January 13, 1982 was a very sad day for the capital. Earlier that day, before the subway crash, and airport plane had slammed into the 14th St., Bridge just after takeoff killing 78 people during a severe snowstorm when it took off from the Washington National Airport. Since 1982, there’ve only been 2 accidents within the Metro subway system. In November 2006, 2 track workers were killed by an out-of-service train because the operator failed to follow safety procedures. Another Metro worker was struck and killed in May 2006. Then in January 2007, a Metro subway train derailed in downtown Washington, that severely injured 20 people and trapped 60 others in the tunnel.

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My Take: Hopefully, Metro has good predictive dialer software! Because there is one thing that is definitely going to happen, people are going to be contacting their call center to find out all the details. People are going to want to know if it is still safe to ride the Metro.

Where I live, trains are just becoming part of the Metro bus system. We have had a few minor scrapes, but nothing major. Knock on wood! These “bus” trains are so new out here that they only cover one part of the city. It will not be for another 20 or 30 years before it gets to where I live. I may not be around then to experience the “trolley” as they are calling it.

After hearing about this accident, I am not sure I want to even ride one again. I did ride the trolley in San Diego once. It was so crowded you could not even move, just like riding a bus. So I think I will just stick with the bus. I do not want to be one of those people that are searching for funeral urn for family members. At least they will not have to search for pet urns as well, it was bad enough losing a family member.

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It is Almost Vacation Time

Saturday, April 25th, 2009

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