The Insurance Expert

Entries from August 2009

TIE: Safety of elderly behind the wheel improving

August 24, 2009 · Leave a Comment

News

FOR IMMEDIATE RELEASE

cpereyra@farmersagent.com

Phone: (602) 266-6446

Fax: (602) 293-3766

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Monday, August 24th, 2009

Safety of elderly behind the wheel improving

PHOENIX (The Arizona Republic / Connie Midey) — Once a week, Ruthie Culver steps into her golf cart and drives the 3 miles or so from her home to Banner Boswell Medical Center in Sun City, where she volunteers.

If it’s raining, she gets behind the wheel of her Buick. Culver is 102, and startling though it may be to find someone her age still driving, there is this: She is not the state’s oldest driver. And this: Older drivers may not be quite the hazard to others that younger drivers imagine them to be, according to a recent national study that yielded unexpected results.

Of the 4.3 million Arizonans with active driver’s licenses, 77 are 100 and older. The oldest is a 105-year-old Phoenix resident. Thirty-nine are men, 38 women.

“I was a little surprised by those numbers,” Cydney DeModica, spokeswoman for the Arizona Department of Transportation’s Motor Vehicle Division, said after a check of the division’s records, “but not because I think they’re necessarily bad drivers. We know people are living longer, healthier lives now.”

If official identification is older drivers’ only wish, they can opt for an Arizona non-driver’s ID card, which DeModica’s 93-year-old mother has. Many, though, no doubt share Culver’s determination to remain independent, and a driver’s license — used or merely tucked away “just in case” — is a symbol. A volunteer at Boswell since she was 96, Culver’s not about to let stormy weather or her age keep her away now. “I hope I can keep driving as long as I keep active and as long as I feel safe,” she said.

Names and other identifying details about license holders are protected by Arizona law (Culver volunteered her driving information), so it’s not known how many of the other 76 centenarian drivers are still on the road, how often or under what circumstances.

All renewed their licenses in person, as required for those 70 and older, DeModica said, “but medical conditions being what they are, 30 of them could be in assisted living or nursing homes by now.” The 105-year-old’s license was renewed most recently in 2005, she said.

In the five-year stretch between renewals mandated for Arizona residents 65 and older, some decide to stop driving and some have that decision made for them. No state imposes an upper age limit for driver’s licenses, according to the Arlington, Va.-based Insurance Institute for Highway Safety, although several states add requirements for seniors.

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“It’s indisputable that various impairments set in as we age,” said Anne McCartt, the institute’s senior vice president for research.

Less clear is how to identify people who shouldn’t be driving, she said. Vision tests and certain other measurements so far have not proved sensitive enough to predict risk accurately.

Arizona’s MVD receives thousands of letters a year from drivers’ physicians, family members and responders at accident scenes who report troubling signs of declining driving ability, DeModica said. Those cases are referred to the division’s medical review program, the nation’s first.

“Crash frequency increases at age 70 to 75,” she said. “But driving ability can be compromised at any age and by health conditions like diabetes, stroke or serious head injuries, so we have to have lots of built-in safety nets.”

Arizona residents renewing their license must pass a vision test and fill out a renewal application. The in-person renewals starting at age 70 give MVD employees an opportunity to spot signs of cognitive decline or impaired mobility in applicants and to require road or written tests as needed.

No such signs were noted the last time Culver renewed her license. “I passed everything,” she said. “I was very lucky.” The 5-foot-tall Culver, whose delicately applied eye shadow matches her blue eyes, needs glasses for reading only and never has had cataracts. She takes no medicines and has no chronic health conditions, although her hearing is not as sharp as it used to be.

A widow with no children, she lives alone, has logged more than 1,200 volunteer hours at Boswell, walks with a cane, gardens and gets herself to the library and to bridge games with friends. Has anyone ever told her she’s too old to drive? “The police have never told me that,” she said. “And, knock on wood, I’ve never had an accident.” Culver’s experience reflects a surprising downward trend in injury-causing and fatal crashes among drivers 70 and older, as reported by the Insurance Institute.

A study released by the institute in December revealed that older drivers’ involvement in fatal crashes declined 21 percent from 1997 to 2006. The decline occurred even as the number of older drivers grew 10 percent and their annual mileage increased 29 percent.

However, because they still drive fewer miles annually than younger people do, their fatal crash rate per mile traveled is second only to the youngest drivers, the National Highway Traffic Safety Administration says.

Reasons for the decline aren’t clear, said McCartt, of the Insurance Institute, but may include safety features in newer cars, older drivers’ choosing to limit nighttime driving or make other adjustments, and their improved health, which makes them better able to survive a crash.

Fragility makes older drivers a danger mostly to themselves, she said. Seventy-five percent of those who die in crashes involving drivers 70 and older are the drivers or their older passengers. “A lot of what drives the rates up is not their likelihood to be in a crash,” McCartt said, “but the fact that they’re less likely to survive than younger people in a crash of the same severity.”

Dalvin Palmer, of Sun City West, has taught AARP driving safety courses since 1992 to help improve the odds for older drivers. Palmer, 69, just returned from a 3,500-mile road trip with his wife, encountering nary a problem. “As we get older,” he said, “our reaction times slow, our vision and peripheral vision decrease, our hearing decreases. But a person can compensate for all that with common sense. I know people in their 20s and 30s who I wouldn’t ride across the street with.”

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LETTER Final Press Relase.doc

Categories: Uncategorized

TIE: Auto Insurance Quotes Much Higher On New Car Insurance: Cash For Clunkers Downfalls

August 17, 2009 · 1 Comment

News

FOR IMMEDIATE RELEASE

cpereyra@farmersagent.com

Phone: (602) 266-6446

Fax: (602) 293-3766

FOR MORE INFORMATION VISIT: theinsuranceexpert.wordpress.com

Monday, August 17th, 2009

Auto Insurance Quotes Much Higher On New Car Insurance:

Cash For Clunkers Downfalls

SAN FRANCISCO, CA (OfficialWire) “Cash for Clunkers” is a very popular program but there are things that you should consider when trading in your older vehicle. Auto insurance rates are generally much higher on newer vehicles. Many consumers are trading in vehicles that they thought where costing them a lot more because the gas mileage wasn’t up to par, but then they are now ending up paying out even more for their auto insurance rates.

Things to consider when trading in your “clunker” for cash:

1) Will your budget be able to adapt to the change in the price of your auto insurance?

2) Will the new car payment be too much for your budget even with the $4,500 government grant?

3) Is the gas mileage really that much better that you would want to risk paying higher automobile insurance?

There are lot of things consumers are not aware of when jumping at the chance to get a newer vehicle. The $4,500 the government will get you sounds nice, but there are thousands of people that do not take into consideration that they might be paying higher auto insurance. The best solution is to compare auto insurance quotes before you rush down to your local dealer with your old car.

Older vehicles might cost a little bit more for gas, but it is very important to consider all aspects that owning a newer vehicle has. There are many people that are using this program and when they go to get new auto insurance, they find out that their car insurance companies are giving them much higher car insurance rates.

When trading in your old vehicle, carefully consider the other factors that come into owning a vehicle. It’s not just the sticker price that will affect you. People all over the United States are seeing the low cost auto insurance jump when they get their new car. New car insurance is many time higher than older car insurance.

Be careful and make sure you compare auto insurance quotes first.

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LETTER Final Press Relase.doc

Categories: Uncategorized

TIE: Auto Theft Authority jeopardized by cuts of $1M in 2010

August 10, 2009 · Leave a Comment

News

FOR IMMEDIATE RELEASE

cpereyra@farmersagent.com

Phone: (602) 266-6446

Fax: (602) 293-3766

FOR MORE INFORMATION VISIT: theinsuranceexpert.wordpress.com

Monday, August 10th, 2009

Auto Theft Authority jeopardized by cuts of $1M in 2010

Arizona Capitol Times / Josh Coddington – If the latest budget proposal passes, the Arizona Automobile Theft Authority will have to operate without roughly two-thirds of its annual state funding. The Legislature reduces that agency’s budget by $1 million in its fiscal 2010 budget plan.

The first $500,000 was cut as part of a deal brokered among Republicans last week. A few days later, another $500,000 reduction was included the proposal at the request of Sen. Jack Harper, a Republican from Surprise. These reductions come just as it seems the agency is making measurable progress in combating one of the state’s major sources of crime.

Phoenix dropped to 19th in 2008 from eighth in 2007 on the National Insurance Crime Bureau’s list of auto-theft hotspots in the United States. Tucson also tumbled to 13th in 2008 from 10th in 2007.

Authority Interim Director Ann Armstrong said she is concerned about losing funds that help her agency coordinate its efforts throughout as much of the state as possible. “Without those dedicated funds and without a dedicated, coordinated effort by one agency in cooperation with hundreds of law enforcement and criminal justice partners, I really do not believe this effort would be as effective as it is,” she said. “We wouldn’t be seeing the reductions that we’re really starting to see.”

The agency pays a significant portion of the salaries of the members of the Automobile Theft Authority Task Force, which lost eight full-time employees when the agency’s budget was reduced last year, impacting operations in Cochise, Maricopa, Mohave, Pima, Yavapai and Yuma counties. According to a Theft Authority fact sheet, the task force stands to lose five to seven more members with further budget reductions. “(Additional budget cuts) will severely cripple its (task force) efforts. The task force, in addition to doing recoveries and special investigations and operations, they’re also assisting other agencies with vehicle theft cases, they’re doing public education,” said Armstrong. “They’re out there really hitting the auto theft problem from several angles.”

The agency also pays portions of the salaries of prosecutors in several county attorneys’ offices to enable them to focus solely on vehicle theft cases. Cuts in 2008 resulted in attorneys in Cochise, Mohave and Santa Cruz counties not being able to participate in what is called “vertical prosecution,” in which the same attorney stays with the case from start to finish. Armstrong said if the proposed cuts happen in fiscal 2010, the remaining programs in Maricopa, Pima and Pinal counties will also have to be scrapped. “Those prosecutors we fund in county attorney offices are really having an impact with some really harsh jail time and probation time as well as helping educate judges that auto theft is more than just a property crime,” said Armstrong.

Tough times have affected all government-funded agencies, and Armstrong indicated the Authority will do the best with what it has in combating this pervasive problem. “The auto theft authority board had some really difficult decisions to make this year trying to put the funding where resources are needed the most,” Armstrong said. “But really, resources are needed everywhere.”

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LETTER Final Press Relase.doc

Categories: Uncategorized

Mi Agencia de Seguros Farmers

August 4, 2009 · Leave a Comment

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Seguros de Negocio / Seguro Comercial

August 4, 2009 · Leave a Comment

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TIE: Arizona Passes Law to Verify Auto Insurance

August 3, 2009 · Leave a Comment

News

FOR IMMEDIATE RELEASE

cpereyra@farmersagent.com

Phone: (602) 266-6446

Fax: (602) 293-3766

FOR MORE INFORMATION VISIT: theinsuranceexpert.wordpress.com

Monday, August 3rd, 2009

Arizona Passes Law to Verify Auto Insurance

(Arizona Agents Alliance) Arizona Gov. Jan Brewer has signed into law a bill designed to reduce the number of uninsured motorists on the road. HB2224 requires that a driver that has a third or subsequent violation within three years for not producing proof of insurance must submit proof of financial responsibility before the person’s drivers license, registration and license plates are reinstated.

Arizona law requires an owner of a motor vehicle in the state provide proof of financial responsibility, and to carry that evidence in the vehicle. Failing to produce such evidence is subject to penalties from $500 to $1,000, depending on whether it is a first, second or subsequent offense. The driver’s license, registration and license plates also can be suspended for three months for the first offense, up to one year for a third or subsequent offense.

The Arizona Agents Alliance, an organization made up of more than 120 independent insurance agencies, commended the signing of the bill, saying it takes “critical steps to reduce the number of uninsured motorists on Arizona’s roads by creating safeguards against habitual offenders gaming the legal system to avoid the requirement of maintaining financial responsibility to drive in this state.”

The new measure gives judges throughout the state the ability to more readily know how many times a person has violated the state’s insurance requirement provisions and requires the penalties already in place to be applied for multiple offenders. It also institutes an additional regular reporting requirement to show compliance with the law for those who get cited three times within a 36 month period for driving without insurance.

Rich Franko, President of the Arizona Agents Alliance, said, “We truly appreciate the Legislature and the Governor coming together to enact a measure that protects the vast majority of law abiding citizens from those who have been able to game the system and avoid compliance with the law until now.”

HB 2224 will become effective on this year’s general effective date of October 1.

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LETTER Final Press Relase.doc

Categories: Uncategorized