Drunk Driving Facts Nhtsa

Posted in drunk driving by admin on September 3, 2011 No Comments yet

Drunk Driving Facts Nhtsa

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Drunk Driving Facts Nhtsa

Shocking facts about drinking and driving in the US

It maybe a relief to know that as per NHTSA's National Center for Statistics and Analysis, alcohol related accidents have reduced from 60% during 1982 to 39% during 2005. However, it is also a reality that three out of every ten US citizens is going to be involved in an accident related to drunk driving.

Drinking and driving kills

The government has set the legal limit to drive at 21 years. Anyone below that age and found to have even negligible amounts of alcohol in their blood will still be penalized as per law. Even persons below 21 years having BAC levels of just 0.01 or 0.02% are punishable under law. Every 2 minutes a person in the US gets injured because of drunken driving. Considering such an alarming statistic, it is not surprising that the US government has such tough laws dealing with alcoholic injuries.

Shocking effects on the body

If an Alcohol Test shows a BAC level of 0.08 or more it indicates a ‘drunk' state as per legal terms. During such a condition the body undergoes many side-effects such as the inability to perceive objects properly, making errors in judgment and even losing one's peripheral vision. As soon as one consumes more than one drink, the brain is the first to pick up alcohol. This happens because the brain contains the largest supply of blood, compared to all other organs of the body.

The portion of the brain, which controls muscular movement is affected severely by alcohol intake. That automatically means that your muscles lose their sense of coordination, which can be highly risky and fatal in a driving scenario. Your response times get slower and you stop being able to gauge and react to situations in a timely manner. If a vehicle is approaching you at a high speed, you would not be able to apply the brakes in time or swerve the vehicle away from the road. If a police officer suspects you have been drinking, he or she will ask you to go through a breath analyzer test.

Alarming statistics: the danger of drunk driving

It may sound shocking but it is a fact that over 327000 persons get injured every year because of drunk driving. In California alone, the percentage of fatal collisions from drunk driving increased by 18.4% during 2000 and 2005. No wonder then that California has one of the toughest laws against drunk driving. A fine anywhere between 390 to 1000 dollars can be slapped on a person with BAC levels above normal.

For repeat offenders, the vehicle can be impounded for even 2 years. During 2005 alone, out of all children who died in motor crashes, 21% of them were 14 years of age and below and died because of drunk driving. The same year it was found that the most number of drunk driving cases happened by persons aged between 21 and 24 years of age.

 

About the Author

This Article is written by Lena Butler, the author of Drug Testing Laws by State a longer version of this article is located at Shocking facts about drinking and driving in the US, and resources from other home health and wellness testing articles are used such as Alcohol Test.

Dui Auto Insurance Florida

Posted in dui by admin on August 15, 2011 No Comments yet

Dui Auto Insurance Florida

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Dui Auto Insurance Florida

Florida Personal Injury Law

If you have been injured in an automobile, motorcycle, or truck accident in Pensacola, Florida, the laws can be somewhat confusing and the personal injury choices you make initially can dramatically affect your options later. Therefore, it is important that you get good information about your Florida personal injury options upfront to protect your rights.

In Florida (and eight other states), there is a "no fault" or "personal injury protection (PIP)" law. Every driver must purchase PIP insurance -- a minimum $of 10,000 in personal injury protection (PIP) and $10,000 in property damage liability (PDL). If you live in Florida for even 90 days a year, you must carry PIP and PDL.

What this means is that Florida does not care who is at "fault" in an automobile accident for medical bills up to $10,000. If you are the one injured in the auto accident, and are not at fault, you still submit your medical bills to your own auto insurance company. They will pay 80% of your medical bills up to $10,000.

What about lost wages? Your PIP insurance will pay up to 60% of your lost wages, as long as you have a document from your doctor showing your disability and a document from your employer verifying your lost wages. The remaining 40% should be paid by the at-fault driver's insurance company.

Theoretically, the at-fault driver's insurance policy should also pay the damage to your vehicle. However, if the at-fault driver has no insurance, your own collision coverage will have to cover the repairs to your car.

To help curtail the mega million dollar lawsuits in personal injury cases, Florida classifies injuries as one of two types: economic or non-economic. Economic wages are covered by PIP. In the state of Florida, you are not allowed to claim non-economic damages (e.g. pain, suffering, mental anguish, etc) unless your doctor declares you have sustained a "permanent injury." If your automobile injury is not "permanent", you cannot be compensated for pain and suffering unless the at-fault driver has "Bodily Injury" insurance, which is not required by Florida law. If the at-fault driver has no Bodily Injury insurance, your only recourse according to Florida personal injury law is to sue.

Therefore, if you are in an automobile accident, your first place to turn according to Florida's no fault auto insurance laws is to claim your no-fault benefits. Once those have been exhausted, you can file a personal injury or wrongful death claim.

If Florida was indeed a pure "no fault" state, drivers would be completely covered by their own auto insurance company and there would be no cause to sue another driver for damages. However, Florida nor any other state uses a pure no fault system.

Although the Florida "no fault" law was enacted to cut down on the litigation between drivers, suing for auto injuries in Florida is not uncommon, particularly depending on the severity of your medical injuries. As with many kinds of laws, Florida's personal injury laws have gray areas that can best be addressed with a personal injury lawyer.

About the Author

The Pensacola Fl Personal Injury Lawyer of the Law Offices of James M. Burns are focused on legal matters including criminal law, personal injury, DUI and domestic violence.Contact Pensacola Florida criminal defense attorneys to discuss your case.

Florida Dui Auto Insurance

Posted in dui by admin on July 16, 2011 No Comments yet

Florida Dui Auto Insurance

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Florida Dui Auto Insurance

Some Basic Coverage Of Florida No Fault Auto Insurance

Insurance requirements vary from state to state.  Florida no fault auto insurance is no exception, so residents of the state need to know the ins and outs of the insurance as it pertains specifically to them.  Florida is one of only 12 states in the country that operates under the no fault system rather than through traditional insurance methods.  In essence, Florida car owners are required by law to carry a minimum of $10,000 of personal injury protection as well as a minimum of $10,000 if property damage liability.

You may also need to submit an SR22 form to show that you have maintained the limits of liability if you have points on your license for offenses such as traffic violations, driving with no insurance or DUIs.  In this case, you will need an additional minimum of $10,000 in coverage for bodily injury liability.  In other words, you can fulfill an SR22 no fault liability requirement with a total of $30,000 of coverage.  Whether or not you need the SR22, you will pay the same for bodily insurance liability and pay a $15 filing fee.  However, your insurance rates will be higher because of the incidents leading to the SR22 requirement.

Even if you are a seasonal resident, you may be required to carry Florida no fault auto insurance.  If you live in the state for at least 90 days of the year, you must carry the minimum amount of coverage under the no fault system.  It does not matter if the days are consecutive.  The good news is your personal injury protection covers you whether you are in your own car or someone else's car.  Furthermore, you are covered whether or not you are in Florida.  Your coverage extends to all states in the US as well as Canada.

It is best to follow this mandate for no fault insurance because failure to do so will result in the revoking of your driver's license and vehicle plate.  You will also have to pay the reinstatement fees as well as the normal filing fees.  Furthermore, you must have this insurance to register your vehicle, particularly if you are moving from another state.  Former residents of states such as Michigan, New Jersey and New York will probably pay less for auto insurance while those moving from states like Idaho, Iowa or Vermont will find rates more expensive.

No fault insurance is designed to cover medical payments that may result from an accident.  The driver who is actually at fault is responsible for property damage done to the vehicle or vehicles.  The coverage extends to all sorts of vehicles including school buses.  This insurance is supposed to help reduce the number of lawsuits between drivers in Florida.

About the Author

Please visit our website here for more information or visit our blog. Thank you.

Dui Insurance Quotes

Posted in dui by admin on June 28, 2011 No Comments yet

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Dui Insurance Quotes

Latest auto insurance quotes

  • Insurance quotes vary greatly by the state. Comparisons can only be made with insurance companies in the same state.
  • Insurance quotes vary by the model of the car.
    Auto insurance
    Insurance companies have a list of cars that are considered low-risk, and they offer cheaper insurance for low risk cars. Sports cars, high speed cars and cars without the security devices installed are bound to cost more.
  • Insurance quotes also depend upon the area of residence. Cities, densely populated areas and high traffic areas cost higher premiums than smaller towns and residential layouts.
  • Insurance quotes depend a lot upon the information provided at the time of submitting the request. There are many advantages of applying for insurance policies online. Many attractive discounts for car models, driving records and many such deals are available online.
  • Insurance quotes depend upon the driving record of the individual applying. Any records of traffic violations that accounts for more than one point on the drivers license will cost more monthly premiums. Any record of the DUI or accidents due to the fault of individual applying is bound to increase the insurance rates.

There are many ways to effectively minimize insurance quotes. Some of them are mentioned below:

  • Almost all insurance companies have special discounts for group insurance policies. If the employees of an organization or members of a community group register together, discounts on the monthly premiums can be obtained.
  • Most insurance companies provide big discounts on premium rates if the individual applying has completed a defensive driving lesson,Auto insurance or enrolled for classes.
  • Another effective way to reduce monthly premiums is to opt for higher deductibles. Deductible is an amount that the policy holder pays out of pocket at the time of insurance claims. Opting for higher deductible ensures the monthly premiums are low, but the amount must be carefully chosen, such that the deductible can be paid whenever the need arises.

About the Author

For more information about auto insurance, adim ge auto insurace, shaheen auto insurance, home insurance, car insurance, and auto insurance quotes please visit www.autoinsurancepk.com

Cheap Dui Car Insurance

Posted in dui by admin on May 18, 2011 No Comments yet

Cheap Dui Car Insurance

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How to Get Car Insurance in the High Risk Pool

 

It is not unusual for drivers with poor driving records, speeding tickets and past DUI arrests to be turned down flat by the mainstream car insurers. Those insurance companies are in the business of assessing risk, after all, and they know that drivers with less than spotless records are poorer risks than those who have been driving responsibly sine they turned 16.

Fortunately, many states have begun to address this issue with high risk insurance pools. As state governments have become more aggressive about enforcing existing traffic laws, they have found that more and more drivers are unable to get traditional car insurance as a result of those citations and arrests. That can create nearly as big a problem for state governments as for those individual drivers, since it drives up the number of uninsured drivers and makes the roads in the state more dangerous as a result.

High risk insurance pools help both drivers and the states by providing access to affordable coverage, thereby encouraging drivers who might otherwise have risked driving without insurance to get the coverage they need. While the insurance coverage offered by these high risk pools is generally not cheap, it can be much less expensive than the fines that would result from getting caught without insurance coverage.

If you have having trouble getting car insurance, you might want to contact the insurance commission in your state and inquire about coverage under the high risk pool run by the state. States typically contract with a number of insurance companies, who promise to take high risk drivers at an affordable price.

Once you have that information in hand, you can start to contact the insurance carriers that participate in that high risk pool. If your state uses more than one car insurance company for the high risk pool, you should contact all of the insurance companies and request a quote. Be sure to provide as much information as you can about your past driving experiences, including any tickets and citations within the last several years. These items will show up when the company pulls your driving record anyway, so it is best to be up front about why you need high risk insurance in the first place.

After you have the quotes you need, you can compare those insurance estimates and apply to the company that offers the best coverage at the most affordable rate. Once you have that coverage in place, you can focus on improving your driving record going forward, and that can help you get lower cost insurance in the future.

About the Author

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