http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips.aspx 60 en-us http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-calls-for-brake-override-systems-to-be-required-800770625.aspx In a bid to increase vehicle safety for motorists, the National Highway Traffic Safety Administration* recently proposed reforming current safety regulations so that drivers will be able to take the necessary steps should their vehicles malfunction.

The NHTSA, which is run by the Department of Transportation, recommended revising safety standards in the wake of Toyota’s recall of millions of vehicles after reports that drivers had been involved in accidents after their vehicles' brake and accelerator pedals stopped working. Since then, the NHTSA has conducted its own internal investigations and found that if auto manufacturers implement a "Brake-Throttle Override," it would help reduce the risk of crashes resulting from accelerator pedals sticking or brakes being inoperable.

Transportation secretary says overrides would provide peace of mind

Ray LaHood, secretary of the Transportation Department, said every driver should be rest assured that they have to total control of their vehicle in all situations.

"America's drivers should feel confident that anytime they get behind the wheel they can easily maintain control of their vehicles—especially in the event of an emergency," said LaHood. "By updating our safety standards, we're helping give drivers peace of mind that their brakes will work even if the gas pedal is stuck down while the driver is trying to brake."

Should the new auto safety regulation be implemented, automakers would be required to install the Brake-Throttle Override and it would revise the Federal Motor Vehicle Safety Standard regarding accelerator control systems.

David Strickland, NHTSA administrator, said the safety agency's tests proved to be revealing and potentially life-saving.

"We learned as part of the comprehensive NASA and NHTSA studies of high-speed unintended acceleration that brake override systems could help drivers avoid crashes," said Strickland. "While NHTSA's defect investigation program will continue to monitor and consider consumer complaints of any potential vehicle safety issues, this proposal is one way the agency is helping keep drivers safe and continuing to work to reduce the risk of injury from sticky pedals or pedal entrapment issues."

NHTSA notes that while BTO systems are not yet required, some automakers are already making them standard in product lines. For instance, Nissan, Volkswagen, BMW and Chrysler have been using brake-override systems for the past several years, according to the Los Angeles Times**.

* according to the National Highway Traffic Safety Administration on April 12, 2012
**according to the Los Angeles Times on April 13, 2012
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-calls-for-brake-override-systems-to-be-required-800770625.aspx Tue, 08 May 2012 13:30:29 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/teens-often-sustain-head-injuries-in-auto-accidents-800747250.aspx A new study indicates that a considerable number of injuries that young drivers experience after being involved in an automobile accident are brain-related.

According to the Children's Hospital of Philadelphia*, which analyzed more than 55,000 teen driver accidents nationwide in 2009 and 2010, roughly 30 percent of crash victims sustained head injuries, including concussions, skull fractures and traumatic brain injuries.

Dennis Durbin, lead author of the report and co-scientific director for the Center for Injury Research and Prevention at CHOP, noted that while auto accidents overall have declined, the nature of teenagers' injuries poses a significant threat to their long-term health.

"Since full recovery from serious head injuries is often not achievable, there can be a significant life-long impact from these injuries on teens and their families," said Durbin. "The brain is the organ that is least able to heal, so prevention is the best medicine."

To help diminish auto accidents, in recent years, traffic safety officials and legislators throughout the country have implemented Graduated Driver Licensing laws, which require younger drivers to gain more experience behind the wheel before earning full driving privileges. As the Governors Highway Safety Association notes**, GDL programs typically involve three stages, starting with the Learner Stage, progressing to Intermediate and culminating with the Full Privilege Stage. Drivers receive their unrestricted drivers' license in this stage.

While these laws have helped to diminish accidents, the GHSA says data from the Centers for Disease Control and Prevention shows motor vehicle crashes are still the leading cause of traumatic brain injury-related deaths among 15- to 19-year-olds.

CDC: Teen driver fatalities have been cut nearly in half

According to the CDC's report, "Miles to Go: Monitoring Progress in Teen Driver Safety," the number of teen drivers who died from an auto accident dropped 46 percent between 2005 and 2010, from 2,399 to 1,205.

Despite the decline, CDC says there is a considerable amount of variation in teen driving fatalities on a state-by-state basis. Because of this, Durbin and other traffic safety advocates say a comprehensive GDL bill should be passed nationwide, requiring 50 hours of adult-supervised driving practice, as well as restrictions on when teen drivers can operate vehicles at night.

"We should use the success stories in states with the greatest reductions to fuel progress in states still burdened with high numbers of teens dying in crashes and suffering serious brain injuries," said Durbin. "Those success stories typically involved comprehensive GDL and primary enforcement belt laws."

The GHSA indicates that 48 states ban teenagers from driving at night when in the Intermediate stage of GDL laws. Forty-five states prevent young drivers from driving with more than a certain number of passengers in this stage as well.

*according to The Children's Hospital of Philadelphia on March 29, 2012
**according to the Governors Highway Safety Association on April 2, 2012
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/teens-often-sustain-head-injuries-in-auto-accidents-800747250.aspx Fri, 06 Apr 2012 12:23:22 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nevada-lays-groundwork-for-self-driving-cars-800739649.aspx Though it may be years away from being realized, cars that are capable of driving themselves may be coming to the nation's roadways, starting in Nevada.

According to The Associated Press*, Nevada officials have taken steps to make this a reality, approving a series of regulations that automakers would need to satisfy in order to bring driverless cars to city streets and highways.

However, Bruce Breslow, director of the Nevada Department of Motor Vehicles, said this is not all automakers will have to do.

"Then they have to take us out and prove that they can do it," said Breslow. "They're not ready to go to market yet."

Nevada governor takes spin in driverless Toyota Prius

Meanwhile, Nevada Governor Brian Sandoval has an idea of what riding in a driverless car feels like after being the passenger in a self-driving Toyota Prius this past July, the AP reports. The vehicle is apparently able to navigate with built-in radar, sensors and highly complicated computer devices that steer it as necessary.

While Toyota is one of the automakers that is testing the self-driving market, other companies are free to do so in the Silver State as well, provided they have a bond of at least $1 million. The required protection may be even more depending on the number of cars they plan to test drive, The Associated Press reports.

To ensure driving safety, Nevada officials stipulate that at least two people need to be in the driverless vehicle at all times in the event the system malfunctions. However, if the vehicle passes a series of certification requirements that confirm it’s capable of being driven autonomously, operators may be able to use the vehicle "without being physically present," the provision notes, according to the AP.

The vehicles will also need to have a data collector capable of recording crash information that can be reviewed.

This is not the first time automakers have seriously considered building vehicles that could drive themselves. Cars.com** reports that in 2007, General Motors worked with researchers from Carnegie Mellon University to develop a self-driving Chevrolet Tahoe. Testing revealed it capable of operating without a human controller for 60 miles in an urban traffic setting.

*according to The Associated Press on February 16, 2012
**according to Cars.com on February 17, 2012 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nevada-lays-groundwork-for-self-driving-cars-800739649.aspx Wed, 28 Mar 2012 11:41:33 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/many-motorists-most-annoyed-by-texting-and-driving-800729523.aspx Engaging in activities that diminish driving safety is one of the top issues American drivers have with their fellow motorists.

According to a recently released survey conducted by Consumer Reports*, motorists who text or talk on a cellphone while they're behind the wheel was ranked as the biggest gripe the average driver has with others.

The researchers discovered this after asking a random sample of nearly 900 Americans to score 20 different behaviors considered leading pet peeves for American motorists. On a scale of 1 to 10—one meaning the activity did not bother them at all, 10 indicating it bothered them tremendously—the respondents gave each behavior a corresponding number.

Texting ranked as most annoying behavior

Almost two-thirds of individuals polled indicated texting or talking on a cellphone as a 10, as the average score it received was 8.9. Closely following this bothersome activity was individuals who have no apparent physically limiting disabilities parking in handicapped spaces, averaging 8.7 on a scale of 1 to 10. Tailgaters, drivers who cut others off in traffic and motorists who speed at an excessive rate rounded out the top five.

Older drivers more irritated by blasting radio volumes

While these were the most common gripes the average motorist had, there was some variation among the respondents depending on their ages. For instance, drivers who play their radios at high decibels were one of the 20 most annoying behaviors. However, younger drivers—those under 35 years old—were less bothered by this activity than older drivers were. What did bother younger drivers were people who were slow to go when lights turn green at intersections.

There was also a correlation between where people tended to most frequently drive and how perturbed they were by certain driving behaviors. For example, city drivers were most annoyed with slow-moving drivers, individuals who swerved in and out of traffic lanes, jaywalking and limited parking, the poll found. Rural motorists, meanwhile, were more unnerved with drivers who did not turn on their headlights at night or when visibility was limited, such as if it was raining.

*according to Consumer Reports' National Research Center on February 23, 2012 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/many-motorists-most-annoyed-by-texting-and-driving-800729523.aspx Wed, 14 Mar 2012 11:27:33 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/avoid-being-targeted-by-red-light-cameras-800725606.aspx Despite the protestations of many motorists, a considerable number of municipalities have installed red-light cameras to enhance driving safety. In fact, according to consumer research and advocacy group U.S. PIRG, nearly 700 cities and towns had them installed as of October of last year, Edmunds.com* reports. Naturally, this has led to a higher prevalence of drivers being issued citations for running red lights, as police have an additional resource to enforce the law.

In addition to following traffic rules, Edmunds.com offers a few tips to help motorists avoid receiving a traffic violation notice.

Are red light cameras operating in the area?

Thanks to the Insurance Institute for Highway Safety, motorists can find out if their city has any red-light cameras. By visiting IIHS' interactive database, drivers can click on any state and instantly see if cameras are in operation and if there is any pending legislation. Currently, there are 12 states that have both red light and speed cameras in operation and an additional 11 states that have just red-light cameras.

Come to a complete stop before turning right

Phineas Baxandall, a U.S. PIRG senior analyst and program director, asserts that 90 percent of tickets resulting from red-light camera footage are attributable to illegal right turns, most of which are rolling stops. To prevent this from happening, Baxandall tells the source that motorists should come to a complete stop at an intersection or stop sign. Once it's deemed safe to enter traffic, motorists can then turn right.

There's an app for that

Just about every aspect of life has some sort of downloadable mobile application, and this includes red-light cameras, Edmunds.com reports. Called Trapster, the app enables users to track where red-light cameras are, based upon feedback given by other users. When users of the device approach an intersection where a red-light camera is installed, Trapster emits an audible noise that alerts the driver a camera is in the area.

However, John Bowman, communications director for the national Motorists Association, told Edmunds.com that the app is not very reliable, as its accuracy depends upon the information that it has been given based upon motorists' observations.

If motorists legitimately feel they did not go through a red light, there is always the option of fighting the ticket. In fact, some companies help motorists write a defense of why their citation should be nullified. In addition, Edmunds.com reports the National Motorists Association offers an e-book, called "Fight That Ticket" to members that provide them with pointers for how they can effectively win an appeal.

*according to Edmunds.com on January 24, 2012 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/avoid-being-targeted-by-red-light-cameras-800725606.aspx Thu, 08 Mar 2012 12:55:45 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/auto-experts-caution-drivers-against-ignoring-their-check-engine-light-800711654.aspx Many drivers shrug off the familiar tick of their check engine light and delay taking their car to a mechanic; some may even dismiss it altogether. Check engine lights can illuminate for a variety of reasons, many of them as small as forgetting to screw on the gas cap all the way. However, many industry professionals strongly discourage drivers from being dismissive when their check engine light appears, as it may be an indicator of a more serious problem.

Professionals say that understanding the potential issues that a check engine light may signal may prompt more drivers to take the alert more seriously, according to AOL Autos*. The light, which is powered by a vehicle's engine computer system, flashes when specific problems are detected, the news source clarifies. Experts explain the three types of check engine alerts that may occur and how drivers should proceed.

First, professionals say that a check engine light that flashes temporarily and then disappears typically signals a momentary issue that has been resolved on its own. For these types of problems, drivers can typically ignore the light. However, drivers should contact their service provider or mechanic if their check engine light appears and remains consistent. This could indicate a more significant problem with their vehicle that they should have looked at in the near future. Lastly, drivers with a check engine light that is blinking should put on their emergency lights and pull their vehicle over immediately. This type of warning generally indicates a significant problem that could have serious ramifications for the driver and jeopardize auto safety.

Correcting the problem

The good news is that mechanics can typically find the root of the problem, indicated by the check engine light, quickly, AOL Autos reports. Each vehicle is equipped with a built-in On-Board Diagnostics (OBD) system that is responsible for detecting and reporting specific problems. When the check engine light flashes and the vehicle arrives at a mechanic, the professional can use tools or a computer to connect to the diagnostics system and pinpoint the problem, the news source explains.

Auto problems may range from quick-fix issues to significant engine problems that could result in a vehicle's loss of power or control, AOL reports. For this reason, it is imperative for drivers to take check engine lights more seriously to both manage the safety of their passengers and themselves, as well as prevent extensive and potentially costly damage to their vehicle. In addition, drivers may benefit from reading their vehicle's auto manual to find out which types of problems their check engine light may signal. OBD systems may vary based on a vehicle's make, model and year, so understanding your particular vehicle's system can be helpful.

*according to AOL Autos on January 31, 2012 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/auto-experts-caution-drivers-against-ignoring-their-check-engine-light-800711654.aspx Tue, 21 Feb 2012 07:49:14 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/child-safety-seats-just-as-protective-for-overweight-kids-800704387.aspx With approximately one-third of children in the U.S. considered overweight, health officials agree that childhood obesity has reached epidemic proportions.

Besides the adverse health effects that obese children can encounter—including early onset diabetes, heart complications and high cholesterol levels, among other things—some child safety advocates have questioned whether they are more at risk for being injured in a car accident due to not being able to fit properly into child safety car seats. But after researchers from The Children's Hospital of Philadelphia performed their own independent analysis, they largely settled parents' and safety advocates' concerns.

Car safety seats suitable for all weight ranges

Researchers from Philadelphia's Center for Injury Research and Prevention* studied approximately 1,000 1-to-8-year-old children who were involved in car crashes, some of whom were overweight for their age and height. Upon completion, they found no evidence to suggest that children's safety risk was elevated if they were overweight or obese and involved in a crash. In addition, the researchers found that the child safety seats and booster seats used in these accidents were sufficient for a variety of weight ranges, as all of the children were properly restrained for their height and weight.

"Given that nearly 32 percent of children in the United States are categorized as overweight or obese, and motor vehicle crashes are the leading cause of death and injury for all children, we wanted to better understand how these two threats to children's health interact," said Mark Zonfrillo, attending emergency physician at The Children's Hospital of Philadelphia and the study's lead author. "This research should reassure parents that their only concern when it comes to car seat safety should be to follow the most recent guidelines set by the American Academy of Pediatrics."

AAP revised child safety seat guidelines

The AAP revised these guidelines earlier this year. It's now recommended that children be placed in rear-facing seats up until they turn 2 years old, or until they reach the rear-facing height and weight limit that's listed on the seat itself. When they start riding in forward-facing seats, the AAP says children should remain in five-point harnesses, once again until they've reached the maximum height and weight limit for the seat. Only then should they move on to a booster seat, remaining there until they turn between 8 and 12 years old, or until they are roughly 4'9'' tall.

"A good time to re-evaluate child safety seat needs is during your child's routine medical visits," said Zonfrillo. "Compare your child's weight and height measurements to the manufacturer's acceptable ranges on the seat's labels or instructions.

He added that if parents have several young children, they shouldn't assume younger ones will follow the same height and weight patterns of their oldest child. Each child should be considered independently.

"There's no one-size-fits-all," he said.

*according to the The Children's Hospital of Philadelphia's Center for Injury Research and Prevention on Nov. 28, 2011 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/child-safety-seats-just-as-protective-for-overweight-kids-800704387.aspx Sun, 19 Feb 2012 12:20:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-police-siren-you-can-hear-and-feel-800710743.aspx In the town of Bartow, Fla., police officials have put a new spin on alerting commuters and residents that they're in the area with a siren that can not only be heard, but felt.

According to local television news station WTSP*, the police siren emits a series of low-frequency vibrations that enables individuals in the area to actually feel it when a siren is close.

'I don't know if I could go back'

Bartow Police department officer Bryan Dorman told the local news outlet the siren has proven to be so effective, he'd have a hard time going back to the old method.

"I don't know if I could go back to a regular siren and feel safe with it," said Dorman.

Called "the Howler," the new siren system was created by a former Florida state highway patrol officer. Similar to how subwoofers emit sounds that can be felt, the vibrations can be detected as far away as 200 feet, WTSP reports.

The Bartow Police Department wouldn't have tried the Howler out were it not for William Groover, who works at a local carpool company. Groover told the station he pitched the idea to officers after learning more about it and feeling one in use while visiting relatives in Albany, New York.

"[It was] like a vibration, almost," Groover told WTSP. "Not overwhelming. Just different."

The Howler in use by police departments in New York City, Chicago and Boston

In the five years the Howler has been on the market, more than 100 police and fire patrols use the sounding device throughout the country in cities such as Chicago, Boston and New York City, the WTSP reports.

Detractors to siren sound off

While police officers who use the Howler indicate it's an invaluable tool that helps increase car safety, that sentiment is not held by everyone. According to AOL Autos**, noise pollution coalition NoiseOFF is strongly opposed to the device, saying it stimulates responses in the human body that can adversely impact one's health.

"[The] siren easily triggers an involuntary stress response commonly known as 'fight or flight,'" said NoiseOFF, according to AOL Autos. "This results in the secretion of adrenaline, with ensuing spikes in cardio-respiratory rates, muscle tension, and elevated blood pressure. Infrasound is low frequency sound energy that affects the nervous system and prolonged exposure can lead to progressive medical conditions."

Despite advocacy groups' concerns, WTSP indicates Bartow police officers will continue to use the Howler and hope to eventually equip the department's entire fleet with the device. This likely won't happen for a while, however, as the sirens will only be installed when new cruisers replace old ones.

*according to WTSP on January 20, 2012

**according to AOL Autos on January 23, 2012 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-police-siren-you-can-hear-and-feel-800710743.aspx Fri, 17 Feb 2012 12:45:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/auto-industrys-recovery-may-prompt-manufacture-of-more-than-79-million-vehicles-in-2012-800709700.aspx Studies and analyses detailing the scope of auto industry recovery have been somewhat mixed, but overall, experts agree that the auto sector is getting stronger. A recent study conducted by PwC* automotive analyst group, Autofacts, projects the number of light auto vehicles to be manufactured globally will increase 6.8 percent from 2011, exceeding 79 million units. In addition, the group says manufacturing of light vehicles is likely to surpass 100 million by 2016.

The current figures represent auto manufacturing on a global scale, but analysts have broken sales volume down by country. North America is expected to achieve some growth during 2012, although industry experts agree sales are unlikely to reach high levels seen in previous years. However, sales of light vehicles and trucks are projected to reach 13.6 million during 2012 in the U.S. alone.

"The U.S. region's automotive sector is poised for continued growth in 2012," said Rick Hanna, global automotive leader of PwC. "Automotive companies have ramped up vehicle inventories and growth markets are easing monetary policy. Although uncertainty persists, we anticipate the global automotive industry will run on all cylinders toward another record year as long as Europe's issues don't spill over to other regions."

Automakers optimistic outlook

It seems that automakers are equally optimistic about the recovery of the auto industry, as evidenced by the recent Detroit auto show. Manufacturers unveiled new technological advancements and concepts in addition to never-before-seen futuristic models, the Chicago Tribune* reports.

Highlights of the show included the Lexus LF-LC model, which offers a glass roof that opens and jet-engine taillights, the Tribune reports. In addition, a new Ford Fusion model hosts a new system that can essentially park itself.

Although the auto industry is expected to make a turnaround in 2012, there are still some obstacles that may slow growth. Many Americans remain too cash-strapped to purchase a new vehicle , opting instead to drive their existing vehicles and make repairs when needed. In addition, adults who were hit hard by the recession may lack the credit standing to qualify for the most competitive rates and terms for auto loans.

*according to PwC on Jan. 5, 2012

**according to the Chicago Tribune on Jan. 10, 2012 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/auto-industrys-recovery-may-prompt-manufacture-of-more-than-79-million-vehicles-in-2012-800709700.aspx Thu, 16 Feb 2012 12:33:17 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/congressman-looks-to-brighten-things-up-for-drivers-800704388.aspx As most older men and women can attest, due to the effects of aging, they often can't see things quite as sharply as they did when they were younger. For some, this forces them to use glasses for the first times in their lives.

But when these older motorists are driving at night, glasses often prove to be insufficient, posing a car safety risk for themselves and others who are on the road.

To help address this issue that's plaguing many elderly drivers, a congressman recently introduced a bill that, if passed, would help clear things up.

In early December, Pennsylvania Representative Hank Johnson* proposed House Resolution 3536, or what's being referred to as the Safe Roads for America Act. The legislation looks to improve the brightness and size of traffic signs so drivers can see them more clearly, especially at night, when visibility tends to decrease.

"As our population ages, we need to make our road signs more readable at night," said Johnson. "Someone 60 years old needs 10 times the amount of light to see at night as someone who is 19 … Safe Roads helps make our roads safer by ensuring seniors and everyone can see roads signs more clearly at night."

Population is as old as it's ever been

The notion that the nation's populace is growing older was recently confirmed by the U.S. Census Bureau, which found that the segment of individuals 65 years and older is the largest it's ever been in terms of size and percent of the population.

According to the most recent Census conducted last year, there were more than 40 million people in the U.S. above the age of 65, a 5.3 million increase compared to 2000, when the elderly population totaled 35 million.

Not only are the numbers higher, but the growth rate of individuals in their older years rose faster than the population as a whole. Between 2000 and 2010, the 65 and older population surged 15 percent, while the rest of the population grew just under 10 percent.

Perhaps inspired by the dramatic increase, the bill has received bipartisan support throughout Congress, as many Democrats and Republicans have signed on to the bill, including Johnson's fellow Pennsylvania congressman Lou Barletta.

"Having almost two decades of experience in the road construction industry, I know how important reflectivity and increased visibility are to motorists, especially older drivers," said Barletta. "This common-sense bill will make our nation’s roads safer for everyone, and it ensures that states and municipalities can afford these important safety upgrades."

H.R. 3536 has garnered support from several traffic organizations and elderly advocacy groups as well, including the American Traffic Safety Services Association, the American Highway Users Alliance, Easter Seals, the National Association of Area Agencies on Aging and the American Association of Retired People.

*according to Rep. Hank Johnson on Dec. 1, 2011 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/congressman-looks-to-brighten-things-up-for-drivers-800704388.aspx Thu, 09 Feb 2012 12:27:53 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/drivers-admit-to-risky-behaviors-on-the-road-800703607.aspx A number of laws have been introduced in recent years aimed at cutting down on distracted driving and the behaviors that encourage them. However, the results of a new poll show many Americans continue to engage in risky behaviors on the road that could increase the likelihood of an accident.

A recent Harris Interactive/HealthDay Poll shows many drivers use their time on the road to also complete other activities, ranging from eating and grooming themselves to texting and sending emails through their smartphones. According to the results, 86 percent of respondents admit to drinking or eating while they're behind the wheel, while another 59 percent said they talk on their cellphones. Thirty-seven percent said they text while operating a vehicle. In addition, 10 percent of drivers say they regularly style their hair while driving and 14 percent have applied makeup at least once. Seven percent admit to watching videos on a regular basis, with another 9 percent reporting they sometimes or often surf the Internet.

Further, another sizable amount of respondents admit to behaviors that could significantly diminish auto safety, such as driving after consuming alcohol. Twenty-five percent of respondents say they have driven after having two or more drinks, while another 44 percent say they have driven while extremely sleepy, with some admitting to falling asleep for a moment.

"The number of drivers who engage in potentially dangerous, in some cases extremely dangerous, behaviors while driving is terrifyingly high, particularly when you remember that every 1 percent of drivers polled represents more than one-and-three-quarters of a million people," said Harris Poll chairman Humphrey Taylor.

New legislation

Many states nationwide have enacted new laws that supplement many bans on talking on a cellphone while driving, but these initiatives vary on a state-by-state basis. Currently, nine U.S. states and the District of Columbia ban hand-held cellphone use while driving, according to the Governors Highway Safety Association. In addition, 35 states and D.C. have enacted laws prohibiting texting while driving, and many other states that have not adopted these measures have legislation in the works.

The National Highway Traffic and Safety Administration has launched a nationwide campaign to encourage drivers of all ages to engage in safe driving practices and the federal agency has led the charge to enact new laws that would ban "distracted driving" behaviors.

According to Taylor, the results of the Harris Poll shed light on the potential auto safety issues that distracted driving poses to drivers and passengers on the road.

"While we have some information on how dangerous some of these behaviors are (driving after drinking, talking on cell phones, falling asleep, texting) we can only speculate as to the numbers of accidents and deaths that are caused by the many millions of people who drive while setting their GPS, eating or drinking, surfing the Internet, watching videos, combing their hair, reading or applying makeup," said Taylor. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/drivers-admit-to-risky-behaviors-on-the-road-800703607.aspx Wed, 08 Feb 2012 16:05:01 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/gm-nhtsa-to-broaden-gear-shift-investigation-800702375.aspx Federal regulators are expanding an investigation of thousands of vehicles made by General Motors due to manufacturing issues that may threaten passengers' car safety.

According to the National Highway Traffic Safety Administration, the agency has received multiple complaints over the past several years relating to issues involving the automatic stick shift for several vehicles. NHTSA says the initial investigation into the issue began in four years ago with 2007 and 2008 Saturn Aura midsize cars. The probe led to 89,000 Saturns being recalled.

Probe involves Chevrolet Malibu, Pontiac G6 models

Now, the agency said it has broadened its investigation to include Chevrolet Malibu vehicles with model years between 2004 and 2008 and Pontiac G6 vehicles between 2005 and 2008.

The problem appears to be related to the jacket that lines the automatic shift levers that are connected to the floor. The protective material can deteriorate, the NHTSA asserts, potential exposing the cables that the jacket covers. Should this happen, the cables can corrode, preventing a driver from being able to put the car in park, reverse, drive and neutral positions.

The agency reported on its website that it's received three complaints from motorists who were involved in crashes as a result of the manufacturing flaw. In one of those cases, the driver attempted to put the vehicle in the park position but it stayed in reverse.

"When the driver exited with the engine running, the vehicle continued in reverse and struck a building," NHTSA stated.

Meanwhile, GM has reported receiving four complaints stemming from the same issue, with one person being injured as a result. In that incident, the driver put the vehicle in park, and upon exiting the vehicle was hit by the car after it rolled backward, NHTSA reported on its website.

According to The Associated Press*, General Motors has told the NHTSA that the problem is restricted to vehicles with four-speed transmissions, not the six-speed ones that some of the affected vehicles are equipped with. In addition, GM spokesman Alan Adler said the company is cooperating with the investigation.

GM issued separate recall for airbag issue last year

While the probe doesn't not necessarily indicate a recall order will be made, the investigation comes at a bad time for the automaker, as General Motors announced last year that it was also recalling 38,000 Pontiac G8 models in order to reprogram airbag modules on front passenger seats. The recall notice posted on the NHTSA website at the time indicated the airbag issue was for Pontiac G8 models built in 2008 and 2009, all of which were manufactured in Australia and shipped to the U.S.

Unlike the automatic shift issue, however, there have been no reports of accidents stemming from the airbag flaw, GM indicated in a statement.

*according to The Associated Press on Nov. 14, 2011 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/gm-nhtsa-to-broaden-gear-shift-investigation-800702375.aspx Tue, 07 Feb 2012 13:35:08 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safe-driving-tips-during-the-winter-season-800696720.aspx The National Highway Traffic Safety Administration has put out some important auto safety  tips to keep you secure while driving during the winter season.

According to the checklist, when the temperatures drop, battery power decreases too. Gasoline-powered engines take more power to start in cold weather. The driving range is reduced for electric-powered vehicles, so it is important for car owners to be sure their batteries are ready for the winter weather. It is important to have a mechanic make sure the battery has sufficient voltage and to also have the charging system and belts inspected as part of a regular auto maintenance  plan.

NHTSA also recommends drivers check their cooling systems. When coolant freezes, it expands and can damage the vehicle's engine block. The source reports that you should make sure you have enough winter-proof coolant. You should also check your cooling system for leaks, and if you are unsure you should have a mechanic take a look. It is also important to have your system flushed if it has been a while, as built-up dirt and rust particles can clog the system.

Drivers should also fill up fluids, as it is easy to go through windshield wiper fluids quickly when driving in snowy weather conditions. Paying the little extra is cost for high-quality no-freeze fluids will benefit you during the winter season, and you should keep some extra stowed in your car. Windshield wipers and defrosters should also be checked to ensure optimal visibility while driving. Make sure they work properly and consider replacing worn blades.

Tires remain critical

The checklist suggests that tires can be one of the most crucial things to check before hitting the road in winter weather conditions. If you have snow tires or plan on buying them, be sure to have them changed before the first storm hits. Drivers with existing tires should check to make sure they are properly inflated, that the tread has even wear and that the rubber is in overall good condition. The rubber of tires starts to degrade with years, meaning older tires that may not have seen much wear from the road may still need to be replaced.

Drivers should check tire pressure and fill them to the vehicle manufacturer's suggested air pressure. These numbers are listed in your owner's manual and also on a label located inside the driver's door. When the temperature drops, so does tire pressure, so it is important to check the tire pressure frequently and inflate tires to optimize performance and driving range. The checklist says to keep a tire pressure gauge in your vehicle and check tires when they are cold, or haven't been driven on in the last three hours.

While driving, all passengers should wear seat belts and drivers should not be distracted by electronics including cell phones and music players. It is important that drivers know what to do if an emergency were to occur during the winter season. If you find yourself stopped or broken down, you should stay in your car. The checklist also suggests you put bright markers on the antenna or windows and turn on lights inside of the car to make sure other drivers can see you there. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safe-driving-tips-during-the-winter-season-800696720.aspx Tue, 31 Jan 2012 08:45:32 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/fresno-crowned-with-distinction-of-californias-safest-driving-city-800688059.aspx Thanks to being some of the country's safest drivers behind the wheel, several Fresno, California, motorists were rewarded with free gas recently.

On December 21, traffic enforcement officers from the Fresno Police Department awarded $10,000 worth of free fuel in the form of gift cards to motorists on behalf of Allstate after finishing first among California big cities in the auto insurance firm's America's Best Drivers Report.

"Many drivers in Fresno are doing their part toward keeping America's roadways safer," said Phil Telgenhoff, field vice president of Allstate in California. "We salute drivers there who make the community a safer place to live, work and raise families."

Traffic accident fatalities cut nearly in half over past eight years

Andrew Hall, captain of the Fresno Police Traffic Bureau, said traffic accidents in the city have plummeted since 2003.

"In the past eight years, fatal traffic collisions in Fresno have decreased by 47 percent," said Hall. "Collisions and traffic violations in general also have been reduced. It's taken a commitment by the community and we see the results of this commitment every day."

Because Fresno finished at the top of the list among California cities with the fewest collisions and fatalities, Fresno police officers rewarded motorists with $50 gas cards after observing safe driving practices. This included coming to a complete stop at a traffic stop or intersection, using directionals before turning or changing lanes, being property fastened with a seat belt, and having two hands on the wheel. Motorists were given their cards after being signaled to pull over by traffic officers.

Fresno, California's fifth largest city, was followed by Santa Ana, San Diego, Long Beach and San Jose as the other metropolitan regions that had the lowest auto collision frequency.

"Fresno Police have made safe driving a public safety priority and drivers here are making a difference," said Hall.

Fort Collins, Colorado: America's Safest Driving City

While a top finisher among cities in the Golden State, Fresno did not have the lowest auto collision rate among the 200 analyzed. For the second year in a row, the distinction of "America's Safety Driving City" was awarded to Fort Collins, Colorado. According to the report, Fort Collins motorists encounter a collision once every 14 years, 28 percent less than the national average of 10 years. Fresno drivers had a crash-frequency rate of 9.9, ranking it 54th overall.

Similar to Fresno, Fort Collins officials said residents are making a difference with their adherence to safe driving practices.

"We have our residents to thank as they are undoubtedly the reason Fort Collins is one of the best places to live, work, and play," said Karen Weitkunat, the mayor of Fort Collins. "I'm honored to be a part of a community that is consistently recognized as one of the nation's best."

The West Coast was well represented in Allstate's list of the safest driving cities, as three of the top five cities were located in Colorado, Idaho and Arizona.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/fresno-crowned-with-distinction-of-californias-safest-driving-city-800688059.aspx Thu, 19 Jan 2012 13:02:52 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/dot-secretary-wont-back-hands-free-cellphone-ban-for-motorists-800688051.aspx Hoping to improve driving safety for all of the nation's motorists, the National Transportation Safety Board recently issued a recommendation to regulators that encouraged them to back a proposal that would ban all drivers from using cell phones. But according to the Wall Street Journal, the Department of Transportation is balking at the request.

While 35 states have enacted restrictions on motorists' use of mobile devices while behind the wheel, many of these states allow for their use if the devices are hands-free. But the NTSB's proposed ban would include hands-free devices.

Through November, market research firm NPD Group estimates that Americans have spent approximately $230 million on equipment that allows motorists to use cellphones hands-free, the WSJ reports. Should DOT secretary Ray LaHood endorse the NTSB's request, carmakers and mobile-phone companies could be impacted, but at present, all indications suggest he will not support the NTSB's proposal.

LaHood: Hands-free devices "not the big problem"

During a recent news conference held in Washington, D.C., LaHood said, hands-free calling "is not the big problem in America" with regards to minimizing distracted driving.

"If other people want to work on hands-free, so be it," he said.

Following the statement, an NTSB spokesman said that the board stood by its recommendations, according to the WSJ.

While LaHood's comments suggest a nationwide ban may not be implemented any time soon, it shouldn't suggest the DOT is satisfied that hands-free devices don't increase the risk of motorists being involved in accidents. The Wall Street Journal reports that sometime in late 2012, the National Highway Traffic Safety Administration, which is overseen by the DOT, will release the results of a study that evaluates motorists' safety risk when comparing hand-free devices with hand-held.

Distracted driving has been major issue in recent years

Over the past few years, distracted driving has been a primary concern of the DOT. In January 2010, the NHTSA launched Distraction.gov, which is a comprehensive website that details driving distraction legislation. It also details a variety of studies that indicate how at risk drivers are of being in an accident if not focused on the task at hand and what motorists can do to become more involved in discouraging the practice. This includes taking a distraction-free driver pledge, hanging up awareness posters at schools and sharing a "Faces of Distracted Driving" video on social media websites like Facebook and Twitter.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/dot-secretary-wont-back-hands-free-cellphone-ban-for-motorists-800688051.aspx Thu, 19 Jan 2012 12:59:48 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/winter-checklist-for-safe-driving-800681555.aspx As the season changes, it is important to remember the change in weather means worse driving conditions. The auto parts store Pep Boys says that drivers traveling should check and inspect their vehicles before hitting the road.

According to the American Meteorological Society, there are approximately 1.2 million weather-related accidents in the United States each year. Inclement weather conditions including rain, snow, sleet and fog demand drivers to pay close attention to their driving habits to maximize car safety.

The source says to first inspect your lights. Most states require you to have your headlights on when conditions include rain, snow or fog. The list of lights to check include headlights, turn signals and brake lights, Drivers should ensure that they are working properly and are free of any obstructions such as dirt or road salt.

It is also important to check your windshield and windshield wipers, as any substance such as grease or oil can cause wipers to smear the windshield during winter weather. Windshields and their wipers can be easily cleaned with soap and water and rubbing alcohol can be used to remove any oil or grease. Drivers should also check for cracking or worn-out wipers and replace them if needed.

Tires critical for winter traction

Tires remain one of the biggest factors in driving safely during inclement weather conditions, says the source. Braking in rainy, icy and snowy conditions may prove more difficult with tires that are damaged or balding, so new tires could prove a good investment. When inspecting tires to determine the need for replacing, always make sure they are properly inflated.

In cold climates, tires that are designed for the winter season may serve as a good option as they have different tread patterns and tread wear ratings. Winter tires don't typically last as long as all-season or summer tires but may prove better in the snowy season.

Drivers should check tires for any sign of premature or extreme wear as each tire should wear equally. Tread on tires should not be worn on the outer edges or center only as these are signs that tires may be misaligned, unbalanced or improperly inflated.

The source says that there are many ways for drivers to check the wear on their tires themselves. Some tires have indicators that become visible when the tires are worn and need to be replaced while the penny measurement has also proven a popular do-it-yourself check. Drivers can place the penny upside town into the tread and if the very top of President Lincoln's head is visible, the tires need to be replaced.

While getting to your holiday destination may be exciting, it is important to get there safely. Drivers should be sure to take the time to check their vehicles as a preventative measure before venturing onto the winter roads as inclement weather increase the chances of being involved in an accident.
 

  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/winter-checklist-for-safe-driving-800681555.aspx Wed, 11 Jan 2012 09:25:22 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/steer-clear-of-alcohol-related-accidents-800681554.aspx The holidays were a great time for spending time with family and friends, but unfortunately the chance of being in an alcohol-related traffic crash increases with the good times. Statistics show that during Christmas and New Year's, nearly two to three times more people die as a result of alcohol-related crashes when compared to the rest of the year.

The National Institute on Alcohol Abuse and Alcoholism says that being knowledgeable about alcohol and its affects can help to reduce the risk of being involved in an alcohol-related accident.

Alcohol's effects can take over the body quickly, and those celebrating the holidays may not realize that driving-related skills and the ability to make decisions are quickly lost, typically before physical signs of intoxication are seen.

Alcohol acts as a stimulant and when drinking, it is normal to feel upbeat and excited, but the source says that loss of inhibition and judgment is problematic and leads to reckless decisions behind the wheel that reduce auto safety.

When intoxicated, reaction time slows and behavior is less controlled which can sometimes lead to aggressiveness while driving, and can act as a catalyst in the compromise of driving abilities. The source reports that high levels of alcohol can act as a depressant, which may cause sleepiness which can often result in a driver passing out.

Some myths including drinking a cup of coffee to sober up have influenced many to misjudge alcohol's lasting effects. Caffeine may help with drowsiness, but the body needs time to break down alcohol and return to normal.

According to the source, alcohol continues to affect the brain and body for a while even if it has been hours since the last drink was consumed. Alcohol in the stomach and intestine continues to enter the bloodstream and can continue to impair judgment and coordination.

The best way to make sure you don't harm yourself or others when drinking during the holiday season is to not get behind the wheel after celebrating. The effects of alcohol vary from person to person but the fact that only time can sober someone up applies to everyone.

This holiday season, the group suggests pacing yourself when drinking and consider the consequences of drinking and driving. Driving home is not worth the possibility of being arrested or being involved in a potentially fatal crash so make plans to get home safely via a cab service or a designated driver. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/steer-clear-of-alcohol-related-accidents-800681554.aspx Wed, 11 Jan 2012 09:23:28 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/holiday-vehicles-thefts-down-but-still-happening-800681544.aspx Holidays typically send people away for a mini vacation, but one source says that thieves don't usually take a holiday, making theft prevention a priority.

Analysis by the National Insurance Crime Bureau reported that a total of 20,995 vehicles were reported stolen on 11 major in 2010. The number is down from the total of 22,991 reported in 2009.

According to the source, Christmas Day has the fewest stolen vehicles with 1,361. Christmas Eve was ranked number six with 1,928 - presumably thieves are trying to snag any gifts left in the car. Christmas Day was also the day with the fewest reported vehicle thefts the previous year.

The most popular holiday for auto theft  last year was New Year's Day. The holiday takes the top spot with 2,347 reports of stolen vehicles.

Thanksgiving comes in at number 10 with a total of 1,605. Thieves apparently are not grateful for what they have. Valentine's Day comes in ninth with 1,745 reported thefts. A few other holidays that may not seem as vulnerable include the eighth, President's Day with 1,903 and seventh, Independence Day with a total of 1,914.

New Year's Eve ranked the fifth most popular day for holiday auto theft with a total of 1,986. Labor Day, Halloween and Memorial Day are ranked in the top five. Labor Day comes in forth with 2,020 reported thefts, Halloween makes third with 2,064 and Memorial Day ranks second with a total of 2,122.

Theft threat remains

Although national vehicle thefts have been consecutively declining in recent years, the source suggests is is important to maintain vigilance. Due to the existence of a black market for stolen items, vehicles remain popular theft targets.

The NICB reminds drivers to be alert throughout the busy holiday season. To make yourself less vulnerable, always keep valuables and gifts hidden from plain view such as in the trunk and keep your vehicle parked in a well-lit area when out shopping late. Keeping your vehicle locked is another important part of holiday safety. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/holiday-vehicles-thefts-down-but-still-happening-800681544.aspx Wed, 11 Jan 2012 09:15:31 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/madd-efforts-slash-drunk-driving-deaths-in-half-800679680.aspx Drunk-driving accidents and fatalities can forever alter a family's life and many organizations and government agencies nationwide have launched initiatives to improve auto safety, awareness and reduce the risky behaviors that could result in these types of disasters. But the results of a recent study show one organization in particular, Mothers Against Drunk Driving, has led the charge in reducing the number of alcohol-related fatalities on a nationwide scale.

Relying on data from the National Highway Traffic and Safety Administration, MADD recently reported that since its founding in 1982, alcohol-related fatalities decreased from 21,113 to 10,228 in 2010. The 2010 figure is also a decline of 4.9 percent from 2009, in which drunk driving fatalities sat at 10,759.

In addition, MADD's Campaign to Eliminate Drunk Driving has also achieved significant success since its launch in 2006. Data shows that the campaign has resulted in a 24 percent decrease in drunk driving fatalities between 2006 and 2010, marking a significant milestone for the organization. MADD national president Jan Withers, whose daughter was killed by a drunk driver, expressed her happiness that the campaign has been so effective.

"MADD is proud to see that the hard work of millions of Americans who've taken a stand against drunk driving have helped cut this deadly crime in half since our founding," said Withers. "However, one life impacted by this terrible crime is one life too many as there are still more than 10,000 drunk driving fatalities and hundreds of thousands of injuries every year."

Federal campaigns to cut down on risky behaviors

Although MADD has made significant strides in cutting down on drunk driving fatalities, a recent study shows that many drivers still engage in risky behaviors that pose auto safety risks and jeopardize the lives of many other Americans on the road. A Harris Interactive/HealthDay poll shows 37 percent of drivers continue to text, despite a number of laws in many states that forbid the practice and 13 percent admit to surfing the Internet while operating their vehicles. Seven percent of respondents say they even watch videos on mobile devices while on the road.

"The number of drivers who engage in potentially dangerous, in some cases extremely dangerous, behaviors while driving is terrifyingly high, particularly when you remember that every 1 percent of drivers polled represents more than one-and-three-quarters of a million people," said Humphrey Taylor, chairman of The Harris Poll.

The NHTSA has recently launched a number of advertising campaigns and proposed legislation in various states that would ban certain types of activity while operating a vehicle, such as texting or speaking on a hand-held cellphone. However, the recent Harris poll demonstrates that although most Americans are aware that certain behaviors, such as checking their email, applying makeup or eating and drinking while driving, are risky, a large percentage of drivers continue to engage in them. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/madd-efforts-slash-drunk-driving-deaths-in-half-800679680.aspx Mon, 09 Jan 2012 13:43:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/maintain-your-online-security-by-setting-strong-passwords-800679666.aspx Americans live in a fast-paced world and the ability to conduct your most important financial transactions online adds a great deal of convenience and cuts out time and energy from your day. But transmitting your personal and financial information online can also put you at a greater risk of fraud and identity theft if you don't take the proper security measures, such as choosing strong passwords to protect your accounts.

A recent survey conducted by Consumer Reports reveals 75 percent of Americans do not protect their financial accounts with strong passwords, which the consumer group says should consist of a mixture of letters, numbers and symbols. According to the results, 32 percent of respondents used a personal reference in their passwords and another 29 percent carry their password with them or leave them open on unsecured files. In addition, 20 percent use the same password for more than five accounts.

A U.S. News and World Report article highlights the many ways consumers can protect their online security and password protection is listed as one of the most pivotal measures you should take.

"The weakest link in the security chain may be your password," according to the report. "There are programs that scan Facebook accounts, for example, looking for personal information that can then be used to guess passwords. So don't use pet names, birthdays, or favorite foods. Use a password that's a combination of letters and symbols, as well as uppercase and lowercase characters."

Other security measures

In addition to choosing a complex password, Consumer Reports provides a number of other actions you can take to lower your risk of online fraud or identity theft. Using different passwords for each online account can limit your exposure if one of your passwords is compromised. In addition, you can protect yourself by keeping your computer security systems and programs up-to-date and installing software to detect viruses and malware. Know which websites you're visiting and look for signs that they are secure, such as shopping on websites that begin with "https."

Lastly, mix up your passwords and avoid common or obvious patterns and tendencies, such as beginning your password with an uppercase letter or only placing a symbol or number at the end. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/maintain-your-online-security-by-setting-strong-passwords-800679666.aspx Mon, 09 Jan 2012 13:33:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/disney-will-allow-visitors-to-drive-exotic-vehicles-around-track-800659966.aspx Adults visiting Walt Disney World will soon find a thrilling ride of their own: a chance to drive a high-end, high-speed vehicle around the Disney World Speedway. The company recently announced that beginning in mid-January it will afford visitors the opportunity to choose from a line of luxury cars and drive at high speeds around its famed track.

The feature, dubbed the Exotic Driving Experience, will supplement Disney's current Richard Petty Driving Experience, which allows adults to take stock cars for a spin around the speedway. The new feature is expected to begin with a lineup of two Ferraris, two Lamborghinis, one Porsche 911, and an Audi R8, according to USA Today. Additional vehicles may be added to the lineup in the future.

"So we looked at extensions of what we do in the stock car arena to help build our business, and what we're good at is putting people in cars, safely,'' said Petty's chief marketing officer Mike Bartelli. "We've got the track, we're here year-round, and we know there are people who would love to drive these cars on a race track, given the opportunity."

Prices will vary depending on the vehicle and other factors. For example, "Thrill Rides," which generally start around $99, will allow visitors to enjoy a ride down the mile-long track with an instructor operating the vehicle. Individuals who purchase a ticket for six laps around the track with the instructor in the passenger seat are looking to pay roughly $389, the news source reports.

"For a price point of a few hundred dollars, you'll be able to get behind the wheel of a car that costs a few hundred thousand dollars," Bartelli told USA Today.

Safety concerns

The existing Petty Experience has attracted more than 250,000 customers and the new program is expected to be just as successful. Vehicle safety is cited as one Disney's prized goals and drivers will not be allowed to break the maximum speed cap of 120 mph, Bartelli told the newspaper. However, other factors, such as driver capability, may permit drivers to drive in speeds that exceed 100 mph. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/disney-will-allow-visitors-to-drive-exotic-vehicles-around-track-800659966.aspx Fri, 09 Dec 2011 13:37:59 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/proceed-with-caution-this-holiday-shopping-season-800659961.aspx The holidays are a busy time for many Americans and you may already be preparing to battle the crowds to purchase gifts, accessories and other holiday treats this year. But the holidays are also an opportunistic period for criminals who seek out vulnerable consumers—and their credit and debit card information.

These days, you can never be too careful and criminals are resorting to craftier ways to obtain your personal information. So it's important to be aware of the most common ruses and vulnerabilities you face as a shopper this holiday seasons—and learn how to avoid them, according to consumer identity theft website IdentityHawk.

"During the holidays, consumers must exercise vigilance when shopping on, or offline," said IdentityHawk executive director Jeff Paradise. "In addition, we can anticipate that online scams will only increase in the second half of 2011. We uncovered more than 104 million identity records stolen in the first six months of 2011 alone."

First, it's important to be cognizant of ATMs and credit card processing machines. Skimming devices, which allow thieves to copy the information on the magnetic strip of your credit or debit card, are a favorite among criminals and they can be difficult to spot if you're not looking out for them. These devices are most common at gas stations and ATMs, but can also be inserted at retail or restaurant payment processors as well. Avoid swiping your card in machines or ATMs that show visible signs of tampering.

It's also a good idea to track your credit card statements online during the holiday season to detect any suspicious charges or purchases. In addition to helping you detect and respond to possible cases of fraud and identity theft, monitoring your accounts has the added benefit of helping you keep track of your spending and curbing debt.

Watch for online clues

The stores are not the only place you need to be careful while you're shopping. Online shopping can expose your account information to criminals if the sites are not secure, so it's important to know what to watch for when you log onto a website to make a purchase. Seek out websites with https in the URL address—the "s" signifies that the website is secure, IdentityHawk explains. Other secure websites will also have an unbroken key or padlock in the corner of the browser.

Lastly, avoid making purchases on unknown websites. Sticking to reputable and well-known retailers can help shield you from possible cases of fraud or identity theft. Although there are many web-based retailers that are not as well-known as others, it's better to be safe than sorry. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/proceed-with-caution-this-holiday-shopping-season-800659961.aspx Fri, 09 Dec 2011 13:29:07 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/texas-department-of-transportation-looks-to-tackle-impaired-driving-800659242.aspx Every year, thousands of motorists lose their lives as a result of drivers operating a vehicle after consuming alcohol. In 2009 alone, 11,000 people were killed in highway crashes due to drunk driving, according to the National Highway Traffic Safety Administration.

And while traffic officials say drunk-driving incidents often increase during holiday celebrations, they're also prevalent after sporting events.

According to a 2007 study conducted by the University of Texas, football game days are among the heaviest days for alcohol consumption. This is particularly evident in Texas, as a recent study published in the New England Journal of Medicine found that 45 percent of Texans who drank after watching a game from a friend's house drove home afterward.

Alcohol responsible for 35 percent of traffic fatalities in Texas last year

To make matters worse, according to the Texas Department of Transportation, there were 25,045 alcohol-related crashes in the Lone Star State last year, nearly 1,100 of which resulted in deaths. In fact, more than a third of all traffic fatalities in Texas in 2010 were caused by drivers operating under the influence.

To enhance auto safety for all of Texas' motorists, the TxDOT is in the midst of conducting a drunk-driving awareness campaign called "Know When to Pass." Throughout a portion of the football season, TxDOT's "Know When to Pass" truck visits football stadiums across the state, reminding fans that "if drinking is in their playbook, they should pass their vehicle to a sober receiver."

Carol Rawson, director of traffic operations for TxDOT, said the truck is outfitted with a glassed-in living room that depicts what a typical football watching party might look like in a person's living room.

"The 'Know When to Pass' truck aims to increase awareness of the very serious dangers of game day drinking and driving, while motivating Texans to pass their keys to a sober driver or pass on drinking altogether," said Rawson. "We want everyone to enjoy game day and to plan ahead and have a sober driver to drive home safely."

The tour began the first week of November in Houston and was scheduled to wrap up in Tyler, Texas, on November 28.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/texas-department-of-transportation-looks-to-tackle-impaired-driving-800659242.aspx Thu, 08 Dec 2011 15:44:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/few-are-prepared-for-holiday-travel-troubles-800658160.aspx The holiday season is consistently one of the busiest travel periods of the year. In fact, according to the Research and Innovative Technology Administration, in the week between Christmas and New Year's Day, long-distance travel increases by 23 percent compared to other periods during the year. And during the six-day Thanksgiving travel period, the number of long-distance trips surges by 54 percent.

Despite this increased travel activity, a considerable number of Americans are unprepared for the mayhem they may encounter, as many doubt they will experience any troubles, a new survey suggests.

Nearly 85 percent say vehicle breakdown is "unlikely"

According to the Allstate 2011 Good Hands Roadside Assistance Survey, the average American driver has experienced four separate occasions in which their vehicle has become disabled, and two-thirds of respondents were forced to rearrange their travel plans as a result.

Even though breakdowns appear to be quite commonplace, 84 percent of drivers said they considered it "unlikely" that they would encounter a situation in which they would not be able to drive their vehicle due to a mechanical breakdown, the poll found. This sentiment was even felt by 80 percent of individuals who have broken down while driving four times or more.

Many admit they are not prepared

While many drivers are doubtful they'll have troubles when driving, a considerable number of them are less than confident they'd be able to withstand a breakdown that lasted several days. According to the poll, just 51 percent of American drivers said their car was outfitted with the tools, supplies and sustenance they would need if they were stranded for up to three days. This confidence was considerably lower among women, however, as 40 percent said they were confident they'd be able to tough out a long-term breakdown.

Fortunately, there are a variety of companies that offer emergency roadside assistance to motorists who encounters these scenarios if they're subscribed to a service or are part of an auto insurance plan. However, the poll found few say this is the first source they think of if they require help. According to the Allstate poll, less than three in 10 American drivers say their first instinct would be to call a roadside assistance service if they were stranded.

Most call friends, family when stranded

Who they are calling are friends or family members, as 40 percent of respondents said they would reach out to someone they know if their car became disabled. Twenty-eight percent said they would try to fix the problem themselves, with 4 percent saying they would call police or flag down another driver.

With the overwhelming majority of travelers getting to their destinations by car this holiday season, motorists would be wise to have their vehicle checked out by a licensed auto mechanic before getting behind the wheel.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/few-are-prepared-for-holiday-travel-troubles-800658160.aspx Wed, 07 Dec 2011 15:53:23 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/toyota-to-recall-approximately-550000-vehicles-worldwide-800658152.aspx A leading automaker recently announced an auto safety recall that involves 550,000 of its vehicles worldwide.

According to Toyota Motor Sales, 283,200 Toyotas and 137,000 Lexus vehicles in the U.S. alone are being recalled due to a steering issue on the cars' V6 engines. The flaw is also believed to affect vehicles that have been shipped to Japan, Canada, Australia, and New Zealand.

The problem appears to be related to the outer ring of the vehicles' crankshaft pulley system that can become misaligned with the inner ring. This misalignment can cause an abrasive noise and may lead to the illumination of the discharge warning light on the vehicles' dashboard.

"If this condition is not corrected, the belt for the power steering pump may become detached from the pulley and the driver may notice a sudden increase in steering effort," the company said in a statement.

The company stated the problems are restricted to those vehicles made between 2004 and 2006 and involve Avalon, Camry, Highlander, Sienna, and Solara models. No other Toyota or Lexus vehicles with four cylinder engines are believed to be involved.

No accidents have resulted from design flaw

Toyota has received complaints about the steering problem for several years, totaling 79 since 2007, according to Toyota spokesman Dion Corbett. While the issue has the potential to increase the risk of being involved in an accident, the company has not received any reports of crashes or injuries that have resulted from the steering flaw.

The recall comes at a bad time for Toyota, as the company is still reeling from the tsunami disaster that occurred in northeastern Japan this past March that stalled manufacturing for weeks. This led to parts shortages that the company is still working to replenish.

Recall notifications to be sent out in January

While the recall process varies from country to country, Toyota stated U.S. owners of the affected vehicles will receive notifications by first class mail informing them of the recall. They will then be advised to make an appointment with their nearest authorized Toyota or Lexus dealer to have the crankshaft pulley inspected and replaced if necessary. Whatever is done to correct the issue, owners will not be charged for the service, the company stated.

Toyota won't begin sending out the notifications until it has obtained enough replacement parts to correct the problem, the company stated, but it expects notices will be mailed out beginning in January 2012.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/toyota-to-recall-approximately-550000-vehicles-worldwide-800658152.aspx Wed, 07 Dec 2011 15:49:09 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/innovator-drives-his-natural-gas-powered-custom-car-across-the-country-800654291.aspx J.T. Nesbitt, an industrial designer, created the Magnolia Special, a hand-built car that combines the style a grand prix racecar of the 1930s and an eco-friendly, natural gas-powered engine, The New York Times reports.

Nesbitt told the news source he had no intentions of developing a vehicle that followed the norms of current automakers. He preferred aesthetics and engineering, rather than comfortableness. Following an interview with the Times, Nesbitt and Maxwell Materne, the vehicle's engineer, planned to drive from Manhattan to Los Angeles in the car.

"Unlike other CNG-powered cars, this was built to run on the stuff from the very beginning," Nesbitt said. "We’ve been sold this notion that to be green we have to be high tech."

Nesbitt was asked by the Times if he'd consider selling the vehicle to a car show or saving it as a collector's item, but replied that the vehicle is revolutionary and wasn't meant to be put behind a glass plate.

In addition to the Magnolia, Nesbitt has developed other items which are considered collector's items. He designs knives, guns and motorcycles. One of his most popular creations is a V-twin motorcycle named Wraith, priced at $55,000.

According to Nesbitt, the Magnolia took approximately 24 months for him to design and construct. The engine is 4.2-liters with an inline-6 cylinder and a boxed steel frame chassis acquired from a Jaguar XJ6 model.

Nearly every facet of the car is custom made and additional features include buttons on a leather panel that function the headlights and other settings of the vehicle. The car gets a range of 600-700 miles, depending on weather and road conditions.

Nesbitt suggests to the news source that the market isn't prepared for electric cars right now, as they are too expensive, complex and inefficient for long rides. The infrastructure for natural gas is available now, Nesbitt added, who made sure his route to Los Angeles included stops by CNG stations.

He and his driving partner Materne finished the ride from Manhattan to Los Angeles in 89 hours and explained there were was a miscalculation and unfortunate service error on the way.

"The car performed magnificently. It had no mechanical issues. I forgot to activate one of the fuel tanks, that cost us two or three hours," he said.

In North Carolina, a supposed 24-hour CNG station was closed when they showed up to refuel.

"We spent five hours shivering in the night. But you muscle through it."

In total, Nesbitt refilled the car 10 times on the trip, the news source explains.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/innovator-drives-his-natural-gas-powered-custom-car-across-the-country-800654291.aspx Thu, 01 Dec 2011 17:00:21 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/proceed-with-caution-this-holiday-shopping-season-800653869.aspx The holidays are a busy time for many Americans and you may already be preparing to battle the crowds to purchase gifts, accessories and other holiday treats this year. But the holidays are also an opportunistic period for criminals who seek out vulnerable consumers—and their credit and debit card information.

These days, you can never be too careful and criminals are resorting to craftier ways to obtain your personal information. So it's important to be aware of the most common ruses and vulnerabilities you face as a shopper this holiday seasons—and learn how to avoid them, according to consumer identity theft website IdentityHawk.

"During the holidays, consumers must exercise vigilance when shopping on, or offline," said IdentityHawk executive director Jeff Paradise. "In addition, we can anticipate that online scams will only increase in the second half of 2011. We uncovered more than 104 million identity records stolen in the first six months of 2011 alone."

First, it's important to be cognizant of ATMs and credit card processing machines. Skimming devices, which allow thieves to copy the information on the magnetic strip of your credit or debit card, are a favorite among criminals and they can be difficult to spot if you're not looking out for them. These devices are most common at gas stations and ATMs, but can also be inserted at retail or restaurant payment processors as well. Avoid swiping your card in machines or ATMs that show visible signs of tampering.

It's also a good idea to track your credit card statements online during the holiday season to detect any suspicious charges or purchases. In addition to helping you detect and respond to possible cases of fraud and identity theft, monitoring your accounts has the added benefit of helping you keep track of your spending and curbing debt.

Watch for online clues

The stores are not the only place you need to be careful while you're shopping. Online shopping can expose your account information to criminals if the sites are not secure, so it's important to know what to watch for when you log onto a website to make a purchase. Seek out websites with https in the URL address—the "s" signifies that the website is secure, IdentityHawk explains. Other secure websites will also have an unbroken key or padlock in the corner of the browser.

Lastly, avoid making purchases on unknown websites. Sticking to reputable and well-known retailers can help shield you from possible cases of fraud or identity theft. Although there are many web-based retailers that are not as well-known as others, it's better to be safe than sorry. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/proceed-with-caution-this-holiday-shopping-season-800653869.aspx Thu, 01 Dec 2011 12:49:14 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/darting-animals-top-nighttime-motorists-driving-concerns-800653859.aspx While car safety advocates and legislators often pinpoint cell phones and texting as driving distractions that they're most concerned about, that's not the top concern for motorists who drive in the evening hours, according to the results of a new survey.

Animals top concern for nearly half of motorists

Conducted by Harris Interactive on behalf of lighting company Sylvania, the survey questioned approximately 2,300 adults age 18 and over about what some of their fears when it came to getting behind the wheel. The most common distraction that troubled drivers was animals, as nearly half—48 percent—said it was their primary concern that had the potential to impact their safety. Other distractions that were cited by drivers included poor visibility, driving in poor weather conditions and car-related troubles that may cause someone to break down on the side of the road.

"What is very clear as a result of this survey is that most drivers have real, tangible fears associated with nighttime driving," said Joe Verbanic, marketing manager for Sylvania Automotive Lighting.

In addition to animals being a top concern, motorists also expressed their fears about other motorists impacting their safety. For example, when Harris Interactive asked drivers to identify the types of drivers that they believed posed the biggest threat to their safety, a majority cited drunk drivers at 55 percent. A distant second was distracted drivers at 24 percent.

Proper headlight maintenance 

Because a top issue for many drivers is not being able to see things clearly while driving, Verbanic says there are several things motorists can do to improve their vision while out on the road, all of them relating to headlight maintenance.

For example, as headlights age, their strength diminishes. To gauge the lighting capability of headlights, Verbanic advises motorists to turn their lights on and shine them at a building wall or garage door from five feet away. If the circles of light are bright and white, they're operating in peak condition. However, if the lights appear dim or yellow, it's an indication the lights have aged. Motorists should have them replaced.

Occasionally one headlight may dim more significantly than another one. While it may make more economic sense to only replace the light that's operating at a reduced capacity, Verbanic says headlights should be replaced in pairs. Headlights with uneven illumination can pose a safety hazard and can be distracting both for the driver and other motorists.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/darting-animals-top-nighttime-motorists-driving-concerns-800653859.aspx Thu, 01 Dec 2011 12:35:58 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preparing-for-winter-driving-season-800653854.aspx Every winter, thousands of drivers get into automobile accidents due to slippery conditions caused by snowfall. And with portions of the country blanketed by heavy amounts of snow in October—some areas receiving more than two feet on October 30—treacherous roadways will likely be commonplace once again.

To help motorists get to their destinations this winter safely, Cooper Tire and Rubber Company is equipping them with some auto maintenance tips.

Winter tire tips

Chief among these recommendations is installing a vehicle with tires that are built for driving in the snow.

"In areas that typically experience harsh winters, drivers should consider replacing their all-season tires with a product made specifically for that severe climate," said Chuck Yurkovich, vice president of global technology for Cooper Tire. "The key is to have those discussions with a trusted dealer before the first storm hits. Even if an area does not typically receive harsh winter weather, it's important to conduct routine tire maintenance checks as the seasons change.

Once the tires have been installed, motorists shouldn't forget that regular maintenance is crucial to their performing well. Thus, Cooper Tire says drivers should check the tires' tread depth on occasion. Motorists can know if their tread depth is deep enough by sticking a penny into the tread, with Lincoln's head upside down. If drivers can see the top of Lincoln's head, the tire has worn out and needs to be replaced.

According to Cooper Tire, air pressure can decrease by about one pound per square inch for every 10-degree drop in the outside air temperature. Thus, air pressure should be checked on occasion. Many vehicles have technology that automatically detects when tires' air pressure is running low, but motorists should also check air pressure manually. On the sidewall of tires, it generally lists how much air the tire should be filled with.

In addition to performing regular tire maintenance, the automotive retailer says motorists should monitor the way in which they're driving as well.

For example, while it's always important to practice defensive driving habits, it's particularly important during the winter, as stopping distances are longer. Therefore, safety experts recommend doubling the distance when traveling behind other vehicles, especially when conditions are wet. Even if motorists' vehicles have four-wheel drive capability, they should not assume that will help them stop any quicker than a car with two-wheel drive.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preparing-for-winter-driving-season-800653854.aspx Thu, 01 Dec 2011 12:31:32 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/few-are-prepared-for-holiday-travel-troubles-800653847.aspx The holiday season is consistently one of the busiest travel periods of the year. In fact, according to the Research and Innovative Technology Administration, in the week between Christmas and New Year's Day, long-distance travel increases by 23 percent compared to other periods during the year. And during the six-day Thanksgiving travel period, the number of long-distance trips surges by 54 percent.

Yet despite this increased travel activity, a considerable number of Americans are unprepared for the mayhem they may encounter, as many doubt they will experience any troubles, a new survey suggests.

Nearly 85 percent say vehicle breakdown is "unlikely"

According to the Allstate 2011 Good Hands Roadside Assistance Survey, the average American driver has experienced four separate occasions in which their vehicle has become disabled, and two-thirds of respondents were forced to rearrange their travel plans as a result.

Even though breakdowns appear to be quite commonplace, 84 percent of drivers said they considered it "unlikely" that they would encounter a situation in which they would not be able to drive their vehicle due to a mechanical breakdown, the poll found. This sentiment was even felt by 80 percent of individuals who have broken down while driving four times or more.

Many admit they are not prepared

While many drivers are doubtful they'll have troubles when driving, a considerable number of them are less than confident they'd be able to withstand a breakdown that lasted several days. According to the poll, just 51 percent of American drivers said their car was outfitted with the tools, supplies and sustenance they would need if they were stranded for up to three days. This confidence was considerably lower among women, however, as 40 percent said they were confident they'd be able to tough out a long-term breakdown.

Fortunately, there are a variety of companies that offer emergency roadside assistance to motorists who encounters these scenarios if they're subscribed to a service or are part of an auto insurance plan. However, the poll found few say this is the first source they think of if they require help. According to the Allstate poll, less than three in 10 American drivers say their first instinct would be to call a roadside assistance service if they were stranded.

Most call friends, family when stranded

Who they are calling are friends or family members, as 40 percent of respondents said they would reach out to someone they know if their car became disabled. Twenty-eight percent said they would try to fix the problem themselves, with 4 percent saying they would call police or flag down another driver.

With the overwhelming majority of travelers getting to their destinations by car this holiday season, motorists would be wise to have their vehicle checked out by a licensed auto mechanic before getting behind the wheel.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/few-are-prepared-for-holiday-travel-troubles-800653847.aspx Thu, 01 Dec 2011 12:19:22 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/make-pre-winter-preparations-to-protect-your-home-800644108.aspx Although light snowfalls and white Christmases can present a pretty scene, harsh cold winds and winter weather can take their toll on homes. Similar to prepping your automobile before a long trip, it's equally important to consider the effects of a long winter season on your home and take measures to protect your investment.

Most home maintenance tips are quick and easy, while others may require more time and energy. But if you start preparing early, you can enjoy a hazard-free winter season and save money as the months pass.

Clean up the outside of your home

It's a common mistake to focus on the inside of your home during the cold winter months, but failing to prep the outside of your property can cause just as much harm. For example, gutters that are clogged with leaves, snow and debris can eventually weigh your drainage systems down and cause the water to leak into your home, according to the Telegram. Water damage can not only be expensive to correct, but can also lead to dangerous conditions, such as mold. Installing gutter guards can help prevent this issue and cause water to drain away from your home and toward the ground.

In addition, professionals urge homeowners to trim trees and dead branches into order to prevent breakage under heavy snow falls. Removing these impediments can help protect your home, automobile and neighbors during snow storms, the news source explains.

Focus on interior maintenance

In addition to prepping the outside of your home take some time to ensure your home is adequately insulated during the winter months. Not only will extra insulation help you save money on heating costs during the bitter winter, but keeping the heat inside can also prevent snow from melting and re-freezing onto the roof of your home. As ice begins to accumulate, the weight builds up and may lead to a collapsed roof, the Telegram warns. Heavy insulation can also help prevent your pipes from freezing.

Lastly, dealing with structural issues during the winter months can be costly and inconvenient. Call in a professional a few months before the cold kicks into high gear to detect and repair any structural problems that could be exacerbated by winter weather. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/make-pre-winter-preparations-to-protect-your-home-800644108.aspx Wed, 16 Nov 2011 20:19:58 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/experts-say-automated-vehicles-may-lower-fuel-consumption-emissions-800644104.aspx Automated features are popping up more frequently in newer vehicle models across a wide range of automakers and the trend is expected to continue as Americans rely on and seek out technological advancements. Many advocates of new automated vehicle systems herald the advancements not only for their added convenience but also the safety measures they afford new drivers. And now, some experts are saying automated features provide an additional benefit to drivers and the environment: greater fuel economy.

General Motors' Electrical and Controls Integration Lab director Nady Boules recently told Technology Review that a higher rate of automation may not only lead to lighter—and by extension, more fuel-efficient—vehicles being built, but might also change the way in which drivers accelerate and operate their cars. Some automated systems may naturally require less acceleration and action taken by the driver, which may in turn reduce fuel consumption levels, the news source reports.

Experts say that the benefits, however, will arise when vehicles are fully automated, meaning those cars that can park themselves and travel at consistent speeds on highways, reports the news source. To expound further, vehicles that can drop owners off and drive off to find parking spots will prevent individuals from driving aimlessly to seek out a location. Cars equipped with vehicle-to-vehicle communication may also cut down on accidents and reduce reckless driving, Boules told the news website.

Despite new innovations in technology, there are still a number of critics who assert that "self-driving" vehicles pose added security risks, raise questions about insurance liability and cause unnecessary distractions for drivers.

Other ways to reduce fuel consumption

A vehicle's fuel efficiency is the result of a number of different factors, and some of these components can be controlled by drivers themselves rather than automated systems. For example, improper vehicle maintenance is one of the prime reasons some drivers consume fuel at faster rates. Seemingly harmless actions, such as waiting too long to change the air filters or driving with under-inflated tires, make the vehicle work harder, which requires more fuel.

Changing some driving habits can also make a large difference. For example, reducing idling, adhering to the speed limit and avoiding aggressive actions, such as speeding up and slowing down too quickly, can also slow down fuel consumption. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/experts-say-automated-vehicles-may-lower-fuel-consumption-emissions-800644104.aspx Wed, 16 Nov 2011 20:15:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/peer-to-peer-auto-rentals-increase-despite-criticisms-800644096.aspx Fewer drivers are relying on traditional auto rentals to meet their needs and instead turning to a more flexible, less expensive alternative: peer-to-peer renting. The phenomenon has taken hold in many states across the U.S. and some companies are cashing in by acting as the intermediary between cash-strapped drivers on both sides of the rental coin.

Peer-to-peer rental services have popped up primarily in large-scale cities, such as San Francisco, New York and Seattle, and function by allowing individual consumers to rent out their vehicles to others through terms that are generally set by the rental company, according to The Wall Street Journal. However, many features of the rental agreement are left up to the car owner, such as when and where to pick up the vehicle as well as who must pay for gasoline, the Journal reports.

Each individual rental agency may impose different rules, fees and regulations, requiring potential customers to shop around in order to find the best deals. For example, some agencies, such as Jolly Wheels in New York, charge fees based on the type of car rented and a deposit amounting to as high as $500, according to the newspaper.

Other agencies, such as Getaround.com which operates in San Francisco and San Diego, California, require that members be at least 19 years of age and have at least two years driving experience to take part in the services. The group also runs a background check through Facebook to ensure members are not submitting false information.

Zilok, which operates in the Seattle area, allows the car owners themselves to set auto rental rates. In addition, the company does not act as an intermediary in the event of issues or problems between owners and renters, leaving more room for potential contract issues.

Concerns

Some critics say the peer-to-peer renting trend raises security questions relating to insurance claims and other safety features. For example, rental agency Getaround.com is the only service provider that includes insurance coverage and roadside assistance in the rental contract, the newspaper reports.

In other cases, it may be left up to the owner of the vehicle to make determinations about car insurance needs, leaving gaps and questions about liability in the event of an auto accident. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/peer-to-peer-auto-rentals-increase-despite-criticisms-800644096.aspx Wed, 16 Nov 2011 20:10:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-mykey-takes-new-measures-to-prevent-distracted-driving-among-teens-800644091.aspx Auto accidents caused by distracted driving have led to a wave of new applications, reforms and laws intended to cut down on cell phone use. Many states have passed laws making it illegal to text and drive and some auto manufacturers have created new technology that is designed to prevent reckless and avoidable accidents.

The Ford MyKey system offered in most Ford models has built-in car safety features that allow parents to limit top speeds and reduce radio volume for teen drivers. In addition, parents can set up other features that block adult radio content, deactivate the sound system if drivers are not wearing seat belts and provide alerts when fuel is getting low. But the auto maker has recently unveiled a new addition to the security technology that it hopes will also cut down on distracted teen driving: limited cell phone use.

Beginning with the 2012 Ford Explorer, the new MyKey application will block incoming calls and text messages for teen drivers. Incoming calls will automatically be sent to voicemail, while notifications for new text messages will not be sent while the teen is operating the vehicle. However, drivers can still make voice activated outbound phone calls and dial 911 for emergencies. The MyKey system must be paired with a Bluetooth phone in order to function properly.

"We are continually listening to our customers and respond to parents' desire to make sure their kids are paying attention to the road, not their cell phone," Ford safety planning and strategy manager Andy Sarkisian told Autoweek.

Enhanced auto safety measures continue

Distracted driving has gained the attention of federal government agencies as well and the U.S. Department of Transportation has launched a series of awareness and legal campaigns with the goal of eradicating behaviors that contribute to reckless driving. The latest advertisement campaign, announced by the National Highway Traffic Safety Administration, state attorneys general and state consumer protection agencies, will associate texting while driving with a high incidence of auto accidents, according to USA Today.

"What I like about these ads is they are trying to change the culture," Connecticut Attorney General George Jepsen told the news source. "They're trying to make the case that when you text and drive … you're putting yourself and people around you in danger." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-mykey-takes-new-measures-to-prevent-distracted-driving-among-teens-800644091.aspx Wed, 16 Nov 2011 20:07:19 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nationwide-anti-texting-campaign-launched-800642286.aspx In an effort to drive home the message that texting at the wheel seriously jeopardizes driving safety, traffic organizations, law enforcement and consumer advocacy groups are launching a nationwide campaign.

As October drew to a close, the National Highway Traffic Safety Administration, the Ad Council, consumer protection agencies and state Attorneys General kicked off an awareness campaign that will demonstrate the inherent dangers of texting while driving.

Study: Drivers 23 times more likely to be involved in crash when texting

The internet, television, and radio public service announcements will attempt to communicate with teens and young adults that by taking their eyes off the roads and on to their mobile devices dramatically increases the chances of being involved in a serious accident that could claim the lives of themselves and others. Some of these messages will include statistics that illustrate its danger. For instance, according to the Virginia Tech Transportation Institute, a texting driver is 23 times more likely to be involved in an accident compared to a driver who is not texting.

"Distracted driving is dangerous, and tragically, teen drivers are the most at risk of being involved in a fatal distracted driving crash," said Ray LaHood, secretary of the Department of Transportation. "We hope our new ad campaign will send a strong message to teens that putting away cell phones and other distractions while you’re driving is not just commonsense safe behavior, it can save your life."

'No Tweet … is worth your life'

According to the NHTSA, distracted driving is the leading killer of U.S. teenagers. Nearly one in five drivers younger than 20 and who were involved in an accident were distracted by things like mobile devices.

"Every second matters when you’re behind the wheel," said Rob McKenna, president of the National Association of Attorneys General. "The nation's attorneys general join the Ad Council, consumer protection agencies and NHTSA in reminding young drivers to stop texts and stop wrecks. No text, Tweet or Facebook update is worth your life."

All of the PSAs will be accompanied by a web address—stoptextsstopwrecks.org—which will provide additional information as to how teens and their parents can help bring texting behind the wheel to an end.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nationwide-anti-texting-campaign-launched-800642286.aspx Tue, 15 Nov 2011 13:40:42 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-fares-poorly-in-reliability-ratings-800638971.aspx Individuals who are in the market to buy a new car may want to take note of a recent Consumer Reports survey that detailed the quality of several newly released models by Ford.

Ford's new models lacking in reliability

According to the product testing organization's 2011 Annual Auto Survey, new models for the Ford Explorer, Fiesta and Focus all fared poorly in reliability ratings during their first year of being on the market. As a result of the less-than-average assessment, the company's overall reliability rank among 28 major car makes assessed dropped from 10th place down to 20th. That's the biggest decline among all major brands in this year's Consumer Reports Annual Auto Survey.

David Champion, senior director of Consumer Reports' Automotive Test Center, said the problem Ford encountered is common.

"We have often found that new or revamped models have more problems in their first year than in subsequent model years," he said. "Ford's problems illustrate why we recommend to our subscribers to hold off buying a first-year model."

He added that while a variety of issues led to Ford's fall in overall reliability, issues with three new models' technologies were chiefly to blame.

Thanks to Jeep, Chrysler scores well

Meanwhile, other brands fared favorably, especially Chrysler. For instance, according to Consumer Reports, Jeep surged seven spots to 13 in overall reliability, making it the most reliable domestic brand of all of Chrysler's models. Similar to Ford, Chrysler also had several models that were either all-new or significantly revamped this year, but the brand fared more favorably. Reliability for the new Chrysler 200, which used to be the Sebring, scored better-than average, as did the Dodge Durango and Jeep Grand Cherokee SUV, both of which were redesigned.

Confirming Chrysler's recent success in the eyes of the car buying public were the company's sales figures for the third quarter. Between July and September, worldwide sales for Chrysler totaled $13 billion, a 19 percent increase when compared to the same three-month period in 2010. The automaker attributed the improvement in sales to its all-new or "significantly refreshed" cars and trucks.

"In the third quarter, Chrysler Group achieved increased sales and positive financial results, totally in line with the plan we laid out in November 2009," said Sergio Marchionne, chairman and CEO of Chrysler. "This house continues to be fully focused on financial performance and making outstanding cars and trucks by fully leveraging its alliance with Fiat."

Two years ago, Chrysler agreed to give Fiat a 35 percent share of ownership in the company. In return, it has been able to reach more potential customers, as the Italian automaker granted the company access to its sales network.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-fares-poorly-in-reliability-ratings-800638971.aspx Thu, 10 Nov 2011 13:07:27 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/recall-order-placed-on-thousands-of-chevrolet-corvettes-800638953.aspx General Motors recently announced that it's recalling nearly 6,000 Corvettes due to an auto safety issue that may not satisfy government safety standards.

According to the American auto manufacturer and the National Highway Traffic Safety Administration, 5,755 Chevrolet Corvette coupes, with model years 2011-12, are being recalled because of a rear hatch that could come loose should the vehicle be involved in an accident.

The company stated the problem was first spotted by a supplier during a routine European car safety standard test. After performing an investigation, GM discovered defective hinges on the model's door locks and door-retention components. All of the flaws came from a single roll of heat-treated steel.

GM: No injuries or complaints filed

Alan Adler, a GM spokesperson, told Edmunds.com's Inside Line that there's no indication the flaw has led to any motor vehicle accidents.

"There have been no injuries or deaths or even complaints," said Adler.

He added that as a result of the recall, a stop-sale order was issued to car dealers on the affected vehicles but it has since been lifted.

Chevrolet on pace to break sales record in 2011

While the recall may impact sales for Corvettes in the fourth quarter, Chevrolet recorded a strong rate of sales in the third quarter.

Chevrolet, which is owned by GM, sold approximately 1.2 million vehicles worldwide in the third quarter of 2011, its best July-to-September sales period in the brand's 100-year history. In addition, the brand recorded double-digit sales increases for Chevrolet models in 20 markets worldwide compared to the same three-month period in 2010.

Through the first nine months of 2011, 3.6 million vehicles have sold. If the pace continues, Chevrolet says this will be the brand's best year ever for sales volume.

Purchases have been particularly swift for the Chevrolet Cruze, which was launched in the U.S. in 2009.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/recall-order-placed-on-thousands-of-chevrolet-corvettes-800638953.aspx Thu, 10 Nov 2011 12:48:27 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/criminals-get-more-crafty-in-their-scams-800635833.aspx Financial scams and other schemes designed to milk consumers out of their money are nothing new and most Americans are well-informed about the most effective ways to avoid them. But as Americans get smarter and more cautious, criminals become more proficient in how they carry out their schemes and experts are warning consumers about the most common cons that exist today.

Millions of Americans are currently facing financial hardship, debt and mortgage issues that have left them with battered credit scores and depleted savings. Numerous announcements have been released by the Federal Trade Commission urging Americans to be cautious about "quick-fix" credit repair offers or too-good-to-be-true investment deals, most of which are run by scam artists seeking to take advantage of consumers while they're at their most vulnerable.

For example, one credit repair company in Texas, RMCN Credit Services, is currently facing a lawsuit for allegedly charging customers up to $2,000 in retainer fees prior to providing services, according to The Los Angeles Times. Charging fees and expenses before rendering services is a violation of federal law, so experts urge Americans to be wary of services that ask for payments upfront.

In addition, experts advise Americans to avoid investment professionals who promise exorbitant gains in a short period of time, the Times reports. It's important to first understand that there are no guarantees when it comes to investing in the stock market, and promises of considerable gains within a short period of time should be looked upon with skepticism. Investors can avoid these scams by researching the funds they plan on investing in and examining the track record, experience and background of investment managers or advisers they are entrusting with their money.

Crimes against children

Crimes that seek to attack the financial accounts of adults are common, but identity theft directed toward children is another infraction that is growing in popularity. Children have a clean credit slate until they reach their teens and begin applying for credit, making them a prime target for criminals.

Identity thieves who gain access to a child's personal information and Social Security number can open credit accounts, take out loans and even gain employment under their name. Parents can detect these crimes by periodically checking their kids' credit to ensure their files are clean and watching for suspicious correspondence, such as debt collection notices, credit card offers or bills in their children's names. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/criminals-get-more-crafty-in-their-scams-800635833.aspx Mon, 07 Nov 2011 13:30:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/vehicle-feature-sparks-privacy-debate-800635827.aspx Black box features that exist in most vehicles can be a driver's saving grace if they are involved in an accident caused by another driver. The advanced technology essentially records a driver's actions prior to a traffic accident, which allows lawmakers to determine who was at fault in the absence of eyewitnesses.

The devices have the ability to measure the car's speed, the frequency of acceleration or deceleration and how the vehicle was being steered, according to The Tennessean newspaper. The black boxes, which are automatically installed in most vehicles, can also sense whether a driver is wearing his or her seat belt.

Privacy controversy

However, some drivers are speaking out against the technology and assert that the devices constitute an invasion of privacy, the Tennessean reports. Some say the privacy breach has nothing to do with the feature itself, but their inability to choose whether they want it installed in their vehicles upon purchase.

"If I were given the opportunity to agree to have this on the vehicle when I buy it, then that probably would be OK," consumer Bob McClellan told the newspaper. "But if I own the car, it's my business what's on the recorder, and no one should be able to access it unless I say so."

Other critics of the feature say that although the information is only saved if an airbag is released, the box cannot be disabled, which essentially allows anyone with a court order to obtain the information. The data is particularly valuable to insurance companies who are responsible for paying out claims after a questionable traffic accident.

"It shows how fast the car was going, how hard it was being braked, what evasive moves were made," insurance claims adjuster Buddy Oakes told the news source. "We've had people say they were sitting still at a stoplight and got hit, when the data recorder shows they were doing 30 mph through the intersection."

Some agencies may also use the data to calculate car insurance premiums.

As the issue gains more attention, roughly 13 states have already imposed legislation that limits access to the information, the newspaper reports. However, many supporters of the device say it's a critical safety research tool. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/vehicle-feature-sparks-privacy-debate-800635827.aspx Mon, 07 Nov 2011 13:27:31 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/officials-warn-consumers-about-the-prevalence-of-identity-theft-800631793.aspx Consumers sometimes make a series of decisions that threatens their financial solvency for a variety of reasons. However, every year, millions are put in similar straits through no fault of their own.

According to the Federal Trade Commission, since 2000, the most common complaint to the bureau was identity theft. As a result of this, the National Foundation for Credit Counseling, the National Sheriffs' Association and the National Association of Triads united in 2007 and launched the National Protect Your Identity Week. The seven-day campaign highlights the importance of financial security and is commemorated the third week of October.

Gail Cunningham, spokesperson for the NFCC, said identity theft is a growing problem of which many people may not be aware.

"Criminals continually find new ways to rob us of our good name and good credit, making it critical for Americans to stay updated on the latest protection techniques," said Cunningham.

She went on to say that the advancement in technology has made identity theft easier for criminals as unsuspecting consumers will cavalierly cast their old phones aside in favor of the latest gadget. The problem is that these phones often contain a variety of passwords, account numbers and PINs that thieves use to hijack someone's identity.

Children are common targets

While no one is immune to identity theft, children are being victimized at a higher rate than ever. According to a joint report issued by Carnegie Mellon Cylab and AllClear ID, an identity theft protection company, children as young as five months old have had their identities stolen. In addition, some of the largest debt loads criminals have racked up under children's Social Security numbers have reached in excess of $725,000, leaving toddlers filing for bankruptcy.

In addition to very young children whose identities have been stolen, kids old enough to use the internet have been targeted as well. According to Norton's Online Family Report from 2010, 63 percent of kids who took part in the survey said they have responded to email queries that turned out to be scams.

More than 100 identity theft events took place across the country in October, all of which offered tips for how consumers can protect themselves and their children from being victimized.

For more information, families can visit the campaign's website, www.ProtectYourIDNow.org.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/officials-warn-consumers-about-the-prevalence-of-identity-theft-800631793.aspx Tue, 01 Nov 2011 12:05:00 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/autumn-foliage-may-damage-your-vehicle-800631778.aspx The fall season is many Americans' favorite time of year, as the leaves changing colors and falling makes for a beautiful scene in many areas of the country. But some drivers may not be aware that the accumulation of fallen leaves on their vehicles can lead to costly problems down the road.

To begin, leaves can cause damage to the exterior of your car if left in place for a long period of time. Paint damage and rust are commonly caused by accumulated leaves that have not been cleared off, according to the Washington Post. The acid in leaves, combined with dampness or rain in the air and sunlight can cause the shape and feature of leaves to burn into your car, which eventually results in paint damage, the Post reports. This type of paint damage is permanent.

In addition to paint damage, leaves that become trapped in the openings or crevices of your vehicle may absorb water over time, which causes them to attach to the metal of your car, the newspaper explains. As this buildup becomes more solid and combines with other bits of dirt and grime, rust may develop in your vehicle.

In more serious cases, leaf build-up may clog different drains in your vehicle, such as the heating or air conditioning units. Leaves can get sucked into these drains while you're driving and eventually develop into a thick sludge that becomes a plug in your drains, the Post reports.

Proper auto care

Leaf damage is not a topic many drivers think about frequently until it has caused damage to their cars. But keeping your vehicle free from debris is as important as other auto maintenance issues, such as changing your oils and checking your tire pressure.

During months when leaf accumulation is at its highest, make sure to hose off your vehicle habitually to wash away debris. You can also prevent damage to your car by keeping it covered or parked in a garage when you're not driving it. Lastly, when your car is covered with leaves after a rainy day, wipe them off immediately to avoid stains. Remember to pull them up delicately rather than brushing them off, the latter of which may scratch your paint. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/autumn-foliage-may-damage-your-vehicle-800631778.aspx Tue, 01 Nov 2011 11:41:08 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/protect-children-from-online-identity-theft-risks-800631773.aspx Social networking websites, online gaming networks, and other web features have grown in popularity among children, many of whom spend a great deal of time online. Although these types of websites can be harmless in and of themselves, they can pose a particular danger to children are who unaware of the risks of releasing personal information online or fail to detect common scams.

Recent data from security company Norton's Online Family Report reveals 63 percent of children responded to an online scam, 77 percent unknowingly downloaded a virus and 41 percent received friend requests from anonymous users on social networking websites in 2010. Experts say that young adults who are not educated in the risks and ramifications of certain online behaviors may play into a prospective criminal's hands, according to CNBC.

This is largely because young children may not know the danger of releasing personal information, such as their birth date, address or Social Security number online. In addition, kids may also be more likely to click on links, which are often phishing scams, or submit credit or debit card information to websites when shopping online, the news source explains.

Prevalence and significance

Identity theft is a growing crime, impacting more than 11 million individuals in a given year, according to the Federal Trade Commission. This type of crime is multi-faceted and doesn't discriminate based on age, gender or race. Child identity theft, however, is growing in popularity according to a recent "Stolen Futures" testimony provided by the FTC in conjunction with the Department of Justice's Office for Victims of Crime.

"In effect, a child's identity is a blank slate that can be used to obtain goods and services over a long time period because parents typically do not monitor their children's credit, often having no reason to suspect any problem," according to the testimony. "Child identity theft is especially pernicious because the theft may not be detected until the child becomes an adult and seeks employment, or applies for student and car loans."

Prevention

Most parents don't find it necessary to look into their children's credit without provocation, but experts say that pulling a copy of their kid's credit report when they reach their teenage years is a good idea, CNBC reports. This will alert parents to any erroneous information or accounts listed under their child's name.

"We know of instances where loans have been taken out, mortgages have been taken out in children's names," FTC attorney Steve Toporoff told the news source. "If that is the case, you want to know about that around age 15 or 16, so you can clean up the file before the child starts applying for college loans or car loans, or employment." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/protect-children-from-online-identity-theft-risks-800631773.aspx Tue, 01 Nov 2011 11:32:54 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/auto-safety-vs-technological-advancements-which-do-automakers-prioritize-800623896.aspx Technology is playing a more pivotal and central role in Americans' lives, as consumers use their phones and iPads for everything from making purchases and banking online to downloading apps and music. So when it comes to vehicles, new models that provide advanced technology appeals highly to most drivers.

But many critics are concerned that the demand to keep up with technology is outweighing automakers' focus on safety features, according to Fox News. Vehicles that allow drivers to connect to the Internet from the dash of their vehicles may pose an unnecessary risk by distracting the driver from the road.

For example, the MyFord Touch application offered by the popular automaker allows drivers to listen and respond to text messages through an automated system that is accessed by buttons on their steering wheel. Other carmakers, such as BMW, allow drivers to check news headlines and emails through its ConnectedDrive application, the news source reports. Other automakers have their own individualized programs which permit drivers to conduct a range of actions, including searching for gas stations and prices, listening to Facebook messages and checking the weather.

When faced with concerns over auto safety, many automakers say the applications will actually serve as a safer alternative to using cell phones and smartphone apps.

"We're allowing the customer to interact with Entune content using the typical vehicle controls like voice, touch and steering wheel controls," Toyota vice president of advanced technology Jon Bucci told the news source. "So, that's one of the key benefits. We're trying to keep the customer's eye on the road and hand on the wheel."

Critics voice concerns

Despite automaker claims that new technology will detract drivers from using more dangerous technological alternatives, many critics say the new features still pose as a dangerous distraction from the road. Mandi Sorohan lost her 18-year-old son to a car accident while he was texting and driving, and said new technology will only facilitate dangerous behaviors.

"When you're in the car, you should just drive," Sorohan told Fox News. "By putting any of these advanced technologies in the car, you're just tempting people to use them and making it seem like it is OK and it is not OK. People get killed all the time by drivers that are just talking on their cell phones. Even if it is hands free, it's dangerous." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/auto-safety-vs-technological-advancements-which-do-automakers-prioritize-800623896.aspx Fri, 21 Oct 2011 11:52:29 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/onstar-reverses-data-connection-decision-800623874.aspx In a move that's sure to please right to privacy advocates, roadside service provider OnStar has reversed its decision regarding maintaining data connections for customers even after they cancel their service plan.

"We realize that our proposed amendments did not satisfy our subscribers," said Linda Marshall, president of OnStar, which is owned by General Motors. "This is why we are leaving the decision in our customers’ hands. We listened, we responded and we hope to maintain the trust of our more than 6 million customers."

Lawmakers called for an investigation of OnStar

The road side assistance provider made the announcement after receiving a considerable amount of criticism—including from advocacy groups, subscribers and lawmakers—regarding the change to its terms and conditions policy. In an email sent to customers, OnStar informed subscribers that starting December 1, data from customers' vehicles would continue to be transmitted to the company unless the customer expressly asked for it not to be. But advocacy groups and legislators bristled at the announcement.

One of the chief opponents was New York Senator Charles Schumer, who said in a statement that OnStar's policy change was "one of the most brazen invasions of privacy in recent memory."

"I urge OnStar to abandon this policy and for the Federal Trade Commission to immediately launch a full investigation to determine whether the company’s actions constitute an unfair trade practice," said Schumer.

Joining Schumer in calls for an investigation were Senators Al Franken of Minnesota and Chris Coons of Delaware. But on September 27—less than a day after Schumer requested an FTC investigation and sent a letter to the company expressing his outrage—OnStar recanted its prior policy change announcement.

"We regret any confusion or concern we may have caused," said Marshall. She added that, if OnStar ever offers the option of a data connection after cancellation in the future, it would only be when customers made clear that they were opting in.

The company said announcement about maintaining the data connection would have allowed former customers to obtain information about impending natural disasters affecting their area, even after service cancellation. Privacy advocates may still not be satisfied, despite the reversal. In an interview with MSNBC.com, Stefan Cross, OnStar's spokesman, said the company maintains the right to sell subscriber data to third parties, though it has not done so.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/onstar-reverses-data-connection-decision-800623874.aspx Fri, 21 Oct 2011 11:32:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safety-enhancements-worthy-of-paying-extra-for-800623866.aspx Earlier this year, the National Highway Traffic Safety Administration reported that traffic fatalities in 2010 dropped to their lowest levels in recorded history. While many factors led to the decline—such as increased seat belt use and high-visibility law enforcement—among the most significant contributors were manufacturers standardizing auto safety features in basic models.

Nevertheless, there are some safety features that remain optional.

In a special for The Washington Post, writer Pauline Abreu offered some suggestions as to what safety enhancements families should consider when deciding on how nicely equipped they want their vehicles.

Advanced Frontal Airbags

While the NHTSA has required car manufacturers to include airbags in the production of vehicles since the late 1980s, technology has improved their quality. Thus, Abreu recommends buying a vehicle with advanced frontal airbags, as they inflate according to the size of the occupant. Airbags more often than not prevent injury, but they have been known to cause injury if the size of the airbag is larger than the passenger.

Anti-Lock Brakes

Slippery conditions can make stopping safely a challenge. But a car that's equipped with an anti-lock braking system applies intermittent brake pressure, preventing wheels from locking in place and skidding. Abreu says newer vehicles with anti-lock brakes come with brake assist, which applies added pressure automatically.

Stability Control

Based on how the driver steers and applies the brake, this system monitors whether the vehicle is driving on its intended path. If the system believes it's on an unintended trajectory, brakes will be applied and engine power will be reduced, thereby preventing accidents from occurring, Abreu says.

Tire Pressure Monitoring

No longer do drivers have to manually check how much air is in their tire. While Abreu says it's a good idea to check manually anyway, vehicles with tire pressure monitoring systems inform drivers of when air pressure is low, typically on the vehicle's dashboard.

Active Head Restraints

While all cars may have head restraints, active ones are appropriately titled as they change their positioning based upon how the seat is situated. Should drivers be involved in a collision, they adjust according to where the driver's head is, preventing whiplash. According to Edmunds.com, Saab and Volvo have highly advanced head restraint systems incorporated into many of their models.

Parking Assist systems

Tragically, many children have died after being run over by drivers backing up because they couldn't see anyone was behind them. Rear parking assist and rear camera systems has helped solve this problem. Abreu says these systems "work wonders."

She also recommends drivers review NHTSA's star rating system, which provides a detailed overview of how vehicles fare in safety tests. Recently, Transportation Secretary Ray LaHood announced model year 2012 vehicles will be rated under the government's five-star safety ratings program.

"By revamping the tests and creating a more rigorous program last year, we raised the bar on safety for all vehicle manufacturers," said LaHood. "People should remember: More stars, safer cars."
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safety-enhancements-worthy-of-paying-extra-for-800623866.aspx Fri, 21 Oct 2011 11:26:42 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/kelley-blue-book-warns-customers-of-scam-800617836.aspx Since 1926, millions of people have turned to vehicle valuation company Kelley Blue Book for help when it comes to selling or buying a car. In the early days of the company, the founder, Les Kelley, published an actual book that listed the price of vehicles. But since the dawn of the Internet age, most people turn to its website for assistance on what the market price is for a specific make and model.

While the internet has increased Kelley Blue Book's availability to consumers, it's also given scam artists a greater ability to hoodwink victims.

KBB recently warned online car buyers that cyber criminals are looking to prey upon unsuspecting customers by soliciting funds through a buyer-protection program it claims KBB offers. No such program is offered by Kelley Blue Book.

"Criminals have added sophisticated technology to their scam by adding 800 numbers and offering live chat with potential buyers in an effort to ease their concerns about online car buying and detailed information on the fraudulent buyer protection programs," said Shayne Brown, associated general counsel for Kelley Blue Book. "[KBB] is working diligently to have these sites removed from the internet, but in the mean time, car shoppers should know that any type of online consumer escrow service backed by our company is a scam."

How the scam works

KBB says scammers try to steal unsuspecting victims' money by concocting a story wherein they put a car up for sale on a reputable listing website. When inquiries are made, the scam artist will often make up a story, stating how their car needs to be sold immediately due a significant change in their life's circumstances. Sometimes, the sale needs to be made so quickly, the transaction precludes the sale from being conducted in person.

The next phase of the scam, according to Kelley Blue Book, often leads to the seller moving the proposed transaction to a website that's different from the original one. KBB says this is a tell-tale sign the sale is likely fraudulent, as moving the transaction to another website gives the scammer the opportunity to carry out the crime. These attempts often work because the site is often spotted with a variety of symbols indicating it's reputable, as some attempt to mimic the Kelley Blue Book seal. KBB says a good sign the website is fraudulent is if sentences are poorly constructed and there are numerous typographical errors.

The final step in the scam attempt involves the perpetrator asking the potential customer to wire part or all of the payment to a third-party, such as Kelley Blue Book. But, as has happened for many, by the time the customer becomes aware that the sale was fraudulent, the scam artist has already made off with the money.

For more information on how to avoid being victimized by a car-buying scam, KBB urges that consumers visit www.fbi.gov.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/kelley-blue-book-warns-customers-of-scam-800617836.aspx Thu, 13 Oct 2011 12:11:59 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-investigates-jeep-liberty-800617830.aspx The National Highway Traffic Safety Administration has opened an investigation of Jeep Liberty SUVs that threaten the driving safety of its occupants.

A total of 13 owners have reported complaints of "failure of either the right or left rear control arm due to excessive corrosion," causing many to lose control of their vehicle while driving, says the NHTSA's Office of Defects. The report says that many of the complaints came from areas that use heavy amounts of road salt due to high snowfall totals, parts of the country described as the "salt belt."

The NHTSA wasn't the only organization that received complaints, as Chrysler, the maker of the Jeep Liberty, says it received 11 complaints earlier this year from drivers who encountered similar rust and loss-of-control issues.

"Chrysler told NHTSA there are no reports of crashes or injuries, but said up to 95 warranty claims may be related to the issue," The Detroit News reported at the time.

While the current investigation was launched September 15—involving approximately 200,000 Jeep Liberty SUVs with model years 2004 and 2005—400,000 SUVs were reviewed in April with the model year 2002, the first time control complaints were filed. While the investigation didn't result in a recall, the NHTSA believes the current investigation may lead to one.

SUV safety overall has improved

The safety investigation remains open, but among SUVs overall, a new study indicates SUVs are far more safe than they once were. In 2003, the NHTSA asked automakers to address compatibility concerns, as the front ends of SUVs didn't align with smaller vehicles, heightening the risk of severe injury for the occupants of those vehicles. Chrysler, BMW, Ford, General Motors, Honda, Hyundai, Isuzu, Kia, Mazda, Mercedes, Mitsubishi, Nissan, Subaru, Suzuki, Toyota and Volkswagen all agreed to change the structure of their SUV models' front ends, so that in the event of a crash, both vehicles would be better able to manage crash energy.

"By working together, the automakers got life-saving changes done quickly," said Joe Nolan, chief administrative officer for the Insurance Institute for Highway Safety. "The new designs have made a big difference on the road."

IIHS confirmed that the changes have led to fewer fatalities among older SUVs when compared to newer models. As for the Jeep investigation, should there be a recall, NHTSA says owners will be notified and told to go to their nearest dealership to have it fixed.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-investigates-jeep-liberty-800617830.aspx Thu, 13 Oct 2011 12:03:12 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/survey-details-parents-fears-regarding-their-teens-driving-800617821.aspx When it comes to all the potential road safety hazards posed to teenage drivers, the list runs long and deep. And in a recent survey conducted by Allstate, there are a few that parents are most concerned about.

One of the most common worries parents hold are other teenagers, as 73 percent said they worried "a great deal" about passengers being distracting while their teen is driving. Slightly less common concerns that kept parents up were other drivers on the road and their children's inexperience, according to the survey.

While a considerable number of respondents reported they had some fears with regard to their children driving, the same poll found that overall parents trusted that their children would drive safely. According to the poll, most of those surveyed said they trust in their kids' ability to drive competently at 79 percent. Similarly, a majority of parents also felt professional driving instructors would be better at teaching them how to operate a vehicle than they would. Where parents' confidence was lacking, though, was among other teenagers on the road.

Most states have adopted graduated drivers licensing laws

Something else that the survey gauged was what factors put parents' minds at ease. According to the poll, one of the most common things parents cited that "made it easier … to enforce driving rules for teenagers" was the implementation of graduated drivers' license laws.

Graduated drivers licensing is a program that virtually every state has adopted, which gives teenagers driving privileges on a progressive basis.

As the Insurance Institute for Highway Safety details, most GSL programs have three stages: a supervised learner's period, an intermediate license, which prevents teens from driving in high-risk situations unless they're supervised by an adult, and finally a license with full privileges.

Typically, the learner's stage is given to teens no earlier than their 16th birthday and requires that they operate a vehicle for between 30 and 50 hours under supervision.

Intermediate licenses usually come by the time teens turn 16 ½, and prevent them from being able to drive at night, among other things.

It's usually not until teens' 18th birthday that they can operate a vehicle without restrictions, though state laws and requirements vary. Florida was the first to implement GDL in 1996.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/survey-details-parents-fears-regarding-their-teens-driving-800617821.aspx Thu, 13 Oct 2011 11:52:49 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/suvs-safer-than-ever-800613834.aspx Auto safety tests in recent years have consistently shown that sport-utility vehicles were more dangerous vehicles to drive compared to cars and minivans. But a new study is revealing that may no longer be the case.

According to the Insurance Information Institute, today's crop of new SUVs has improved car safety compared to models of previous generations.

The researchers arrived at their findings after analyzing crash data statistics for pickup trucks, minivans and SUVs that were between one and four years old in 2000 and 2001, and comparing them with other vehicles in that age range but in 2008 and 2009. They then separated the vehicles into groups based on weight and looked at the incidence level of deadly accidents among the groups.

They found that when they compared the death rate for people in cars or minivans that were hit by an SUV weighing between 3,000 and 3,500 pounds, the risk dropped by 63 percent, falling from 44 deaths per million in 2000-2001 to 16 in 2008-2009. That rate was virtually the same when researchers looked at the death rate for people in cars or minivans that were hit by other cars or minivans.

Redesigning believed to have played a role in fewer deaths

The researchers attributed the decline to a variety of safety enhancements such as the redesigning of the front ends of SUVs and pickups, as well as improved architecture of side-curtain air bags in cars and minivans. In 2003, the IIHS and automakers committed to revising the front ends of SUVs so that passengers would be less likely to be severely injured after a collision.

While SUVs have become safer, Joe Nolan, the IIHS' chief administrator and a co-author of the study, told The New York Times that weight still plays a role.

"Your vehicle's mass makes it worse for other people," said Nolan in a telephone interview. Still, while a vehicle with greater mass heightens the risk of death for drivers of smaller vehicles, Nolan said the "geometric compatibility" among today's crop of SUVs lowers that risk.

"In the past you had both a geometry and a mass mismatch, leading to a pretty bad problem," he told the paper.

Today, whether drivers are in an SUV or just sharing the road with one, SUV improvements are making everyone safer, Nolan said.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/suvs-safer-than-ever-800613834.aspx Fri, 07 Oct 2011 12:34:43 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/canadian-armed-forces-monitor-arctic-with-hybrid-and-unmanned-vehicles-800613253.aspx The days of Robert Peary and Frederick A. Cook riding out on their dogsleds to explore the Arctic are over. Now, the Canadian Armed Forces are looking to use eco-friendly, hybrid, gas-electric snowmobiles and remote-controlled aircraft to monitor the extreme and extravagant landscapes of the Arctic Circle.

Canada is now working to develop a hybrid snowmobile for use in the Arctic. Experts say that traditional snowmobiles, while suitable for commercial use, aren't a good fit for many military uses.

"The noise level of an internal combustion engine cannot be reduced to an acceptable level for missions where covertness may be required, especially given the increased propagation of sound in cold, dry, Arctic air," the research and development department of National Defence wrote in a release. "Electric snowmobiles are a potential solution to this problem, eliminating the internal combustion engine and using a much quieter electric motor to drive the track system."

The National Defence stated its minimal technological requirements for snowmobiles to navigate through the dry and freezing Arctic air. When in electric mode, hybrid snowmobiles must have a driving range of at least 15 km (9.3 miles) at a speed of 30 km/h (18.6 mph) with a top speed of 75 km/h (46.6 mph).

In gas-powered mode, the snowmobile must have a driving range of at least 100 km (62 miles) at a speed of 30 km/h (18.6 mph) while carrying a load of 250 kilograms (551 pounds).

While some feel there's no need for a military presence in the Arctic, Whitney Lackenbauer, a historian at the University of Waterloo, suggested to the news source that authorities of the Canadian Forces are taking a proactive stance in the northern part of the country. However, aside from patrolling illegal imports and exports, Lackenbauer couldn't assert with confidence what exactly the government's intentions were.

The Unmanned Aerial Vehicle weighs 44 pounds and it's made of carbon-fiber, which gives it good flexibility, extreme temperature tolerance and durability.

Master Bombardier Stephen O'Brien told the news source UAVs are relatively light, fast, gas-efficient and easy to transport. In addition, on 10 liters of gas, an UAV can fly 20 hours straight up to 144 kilometers per hour (approximately 89 miles per hour).

Attached to the UAV are a video and audio recorder and an infrared sensor to help the craft view obstacles during the night. However, as revolutionizing as this vehicle is, it cannot operate covertly, according to Canada's Department of National Defence. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/canadian-armed-forces-monitor-arctic-with-hybrid-and-unmanned-vehicles-800613253.aspx Thu, 06 Oct 2011 16:04:29 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preparing-your-boat-for-winter-storage-800608254.aspx Winterizing your engine will keep it safe during the cold winters and it's a great energy saving tip, Boating.com reports.

Take your boat out of the water and have it secured and blocked level. The water in the cooling system should seep out, and you want to make sure all of it does because if any is left inside it will freeze during the winter. Keep the antifreeze inside the cooling system. Only drain that if it needs to be refilled.

Winterizing a V-8 engine with a closed-cooling system begins by pouring fuel stabilizer into the tank and start the engine, according to the website. Let it run for a couple minutes and then shut it off. Next, add five gallons of gas, two quarts of TC-W3, two-stroke oil and five ounces of fuel stabilizer. Remove the hose from the main tank. Connect the remote and start the engine again at 1,300 rotations per minute. After five minutes, shut it off and replace the oil, the publication suggests.

You'll need to extract all the raw water and any remnants from within the cooled engine. Take off the raw water inlet hose and displace the drain plugs. Clear out anything blocking the passing of the drain with a wire. Sand, seaweed and dirt may have to be cleared off. To clean the seawater pump, push the ignition key to crank the engine, but make sure you don't start it in the process, Boating recommends.

Certain engines have drainage systems that are activated by air with a hand pump. Place the tubing of the drainage system onto the engine's actuator fitting and apply air-pressure until you see a green indicator. Then, crank the engine without starting it excrete the seawater pump. After this, Boater suggests adding antifreeze to the raw water side.

Remove all batteries from the boat and you can charge them immediately, wait until the waning weeks of the winter to recharge them, or throw them away if they're not rechargeable. Watch out for battery sales during the winter, as they will inevitably rise as spring approaches.

Clean the engine with neutralizing acid and give it a light coating of grease. Monitor for any broken, torn or corroded cables. Because the boating season is over, if you need to replace anything, it would be cost-efficient if you did so sooner rather than waiting until spring when parts prices are higher, the news source suggests.

Finally, give your boat a last check. Grab any parts that may need to be stored away. Remove the key from the ignition and store it in a safe place and consider seeking the advice of a professional or experienced boater if you're unsure how to winterize a boat.
   http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preparing-your-boat-for-winter-storage-800608254.aspx Fri, 30 Sep 2011 09:02:31 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-volkswagen-investigated-by-nhtsa-800606162.aspx Several thousand new car buyers may have to send their vehicles in for an auto tune-up long before they expected. In August, the National Highway Traffic Safety Administration opened an investigation into two auto manufacturers that could lead to thousands of vehicles having to be recalled.

The NHTSA says it is in the midst of conducting a sweeping analysis regarding 26,000 Ford Mustangs with model years 2011-2012 after receiving nearly three-dozen complaints from users who said they had problems shifting the vehicle's manual transmission into gear.

Some of the claims alleged that the problems occurred while individuals were driving, causing issues for motorists as they merged on to highways, narrowly escaping accidents, in some cases.

Claims Jetta TDI leaks fuel

The NHTSA also posted on its website that a probe had been launched into 40,000 2011 Volkswagen Jetta TDI automobiles after receiving more than a half dozen reports from motorists claiming the model leaked diesel fuel.

Since the respective investigations began, there have been no further revelations regarding the potential for recalls being in order. However, Volkswagen says it will recall more than 30,000 Jettas over an unrelated issue.

In documents filed with the NHTSA in mid August, the German auto manufacturer said it had received complaints from motorists around the country concerning people who had received burns after inadvertently coming into contact with Jettas' exhaust pipes.

The problem occurred in the importing process, according to the company, as some vehicles were installed with exhaust pipes that extend beyond their intended limit.

Volkswagen said consumers who purchased the affected Jettas will be informed by first-class mail and the recall will begin in November.

The company says that the recall concerns Jettas that were built from March 18, 2010 through August 2011. If owners have questions about whether the recall will affect their Jetta, they are urged to call Volkswagen at 800-822-8987.

Motorists who have concerns about any possible recalls can search the NHTSA's database at safercarcar.gov.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-volkswagen-investigated-by-nhtsa-800606162.aspx Wed, 28 Sep 2011 12:32:57 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-ev-parking-bill-stirs-controversy-800606143.aspx Public parking spaces for drivers of electric vehicles are coveted in California, especially in metropolitan areas, and a new bill sitting on the governor's desk may slash the number of available spots even further.

Bill AB 475, which was passed by both state houses recently, would restrict drivers to one charging station per vehicle and require that they be plugged in to park in the designated zone.

Currently, charging stations are equipped to support multiple electric vehicles, according to NBC San Diego. In addition, current laws allow drivers with DMV-issued decals to leave their car in designated charging stations after the vehicle has been fully charged. The bill was authored by Assemblywoman Betsy Butler and supporters say the current laws result in too much space being taken up in areas that are already clogged with traffic, such as airport terminals and other busy public spaces.

"Unfortunately, 'parking' in the spots designated for 'charging' has been a problem, and now with the newer vehicles not designed for charger 'sharing' the problem of allowing some vehicles to 'park' indefinitely in a spot designated for 'charging' represents a big problem for new vehicle owners," Jennifer Wonnacott, communications director for Assemblywoman Butler, told the news station.

In addition, San Diego, California, plans on building more than 1,000 new charging stations by the end of the year to accommodate the changes that will result if the new legislation becomes law, the news station reports.

Opponents speak out

Despite popular support for the bill, there are still a sizable number of opponents who say the legislation would place an unnecessary burden on both electric vehicle drivers and the state itself. PlugInAmerica.org is circulating a petition against the bill, which the group says will ban the longstanding and altruistic practice of sharing car chargers. Prior to the bill, individuals could leave their car at a sharing station to be charged and may place a note or letter on their vehicle giving other drivers permission to unplug the connection when their battery is fully charged. Under the new law, individuals who leave their vehicle to charge and come back to find the plug removed by another driver would be held liable for fines and towing.

In addition, the group says the law takes a burdensome financial toll on the state's already weak budget by forcing it to invest in additional charging technology and build more charging stations to support the electric vehicle community.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-ev-parking-bill-stirs-controversy-800606143.aspx Wed, 28 Sep 2011 12:12:36 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-safe-are-self-driving-vehicles-800602239.aspx Technological innovation in the auto industry has been a longstanding objective for many of the world's leading vehicle manufacturers. Big-name automakers have already developed cars that can perform many driving tasks independently, such as parallel parking, accelerating or braking or monitoring a driver's blind spot. However, increased production of self-driving vehicles has become the headline grabber in recent months, and many industry professionals question the safety of these autos and potential auto insurance liabilities a driver may face.

Self-driving vehicles function as the name suggests and utilize sensors, GPS, cameras and other sources to navigate and control the car. Google began building self-driving vehicles in October 2010, noting that it had already driven roughly 140,000 miles throughout the Bay Area in California, according to PC Magazine.

However, Google's first self-driving vehicle accident, which occurred in early August, has caused industry professionals to make speculations about the safety of driverless cars. Google contends that the fender bender caused by the self-driving car, which involved a total of five vehicles, resulted when a person was manually operating the vehicle.

"Safety is our top priority," a Google spokesperson told Business Insider. "One of our goals is to prevent fender-benders like this one, which occurred while a person was manually driving the car."

Although the accident was reportedly the result of human error, the event still raised questions about whether technology, which is vulnerable to mechanical and electrical problems, should govern a vehicle.

University of California-Berkeley dean of engineering Shankar Sastry told the Financial Times that the vehicles may be useful when drivers are severely fatigued or distracted. However, after years of extensive research on driverless vehicle, he still holds reservations about widespread adoption.

"I don't know that we should aspire to a society where cars completely drive themselves," Sastry told the newspaper.

Who is at fault?

In addition to safety concerns, there may be a number of legal implications associated with driverless vehicles that have not been added to the books. For example, who is at fault when an accident occurs? Can the driver be held liable for accidents that occur when they are not manually operating the vehicle and will car insurance policies cover the damages?

Auto professionals say self-driving vehicles are unlikely to become commercially available for another 20 years, giving the legal and insurance industries time to formulate answers to these questions, the Financial Times reports.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-safe-are-self-driving-vehicles-800602239.aspx Thu, 22 Sep 2011 15:03:25 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/bear-takes-car-for-wild-ride-800601020.aspx A Colorado family woke up to quite a surprise recently, as a bear was able to pry open the family's vehicle and drive it more than 100 feet, The Associated Press reports.

According to 17-year-old Ben Story, the son of the couple whose 2008 Toyota Camry was broken into by the animal, everyone in the family awoke when they heard a loud honk. When they went to investigate, the family vehicle was occupied by a bear and was parked in a thicket of shrubbery after it had climbed inside and driven the vehicle approximately 125 feet.

Story told the AP that a peanut butter sandwich had been left in the car from the night before, which is likely what motivated the bear to try and get inside.

Bear break-ins 'happen all the time'

While the incident may seem unusual, Tyler Baskfield, a spokesman for the Colorado Division of Wildlife, said this kind of thing is actually pretty commonplace.

"It happens all the time," Baskfield told the AP. "They're very smart."

Speculating as to how the bear was able to move the vehicle, Story said the bear must have knocked the automatic transmission into neutral, causing the vehicle to roll down the driveway.

There were no reports of injuries, but the car was badly damaged, leading the Story family to file an auto insurance claim.

The AP reports that neighbors called 911 when they were apprised of the incident. When authorities arrived, they were able to pry the door open from a distance. The bear jumped out and ran into the woods.

Colorado still safe for drivers

While the bear-driving incident likely caused the Story family to fear for their safety, the nation's safest motorists of the human variety live in the Centennial State.

According to Allstate's seventh annual America's Best Drivers Report, which ranks collision frequency in America's 200 largest cities, Fort Collins, Colo., is home to the country's safest drivers for the second year in a row.

"We want to recognize the city of Fort Collins for again being the safest driving city in America," said Mike Roche, executive vice president for Allstate's Claim Organization. "We salute all of America's safe drivers, who help make our communities better places to live, work and raise families."

The report found that the average Fort Collins driver is involved in an automobile accident once every 14 years. The national average is one accident every 10 years.

Fort Collins Mayor Karen Weitkunat said the safety of the city's motorists help explain why its "one of the best places to live, work, and play."
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/bear-takes-car-for-wild-ride-800601020.aspx Wed, 21 Sep 2011 13:03:20 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preparing-for-the-worst-on-the-open-water-800595652.aspx Recently in New England, a fisherman who just happened to be in the area of a mayday call rescued three men approximately 10 miles south of Martha's Vineyard, the Cape Cod Times reports.

According to Massachusetts scalloper Tom Quentin, the boat sank immediately and was nowhere to be found upon his arrival. The three men were rescued after floating in the Atlantic Ocean for nearly 20 minutes.

At approximately 2:30 p.m. on a Saturday, Quintin received a distress call. He and his crew changed course of their 101-foot vessel and headed toward a sinking boat. At 3:00 p.m. Quintin radioed the Coast Guard to inform them of the rescue.

Calling for mayday on the open water is normally plan 'Z,' but if a boater wants to avoid putting his or her passengers in further danger, they must anticipate the scenario and equip their boat with the right boat safety gear, Boating.com reports.

Radios and Mobile Phones

A marine VHF radio is normally installed on ships. It allows for communication with rescue teams, harbors, and marinas. This is essentially a boat's emergency lifeline when it's in dire need. Most Coast Guard teams can receive a distress call through a VHF radio from up to 20 miles offshore, according to the news source. Certain VHFs can be connected to a GPS system which makes it far easier for Coast Guard's to track a boat.

The cost of a VHF radio ranges from $50 to $400, depending on quality and prior usage.
Although far out at sea your cell phone signal may be weak, it's always smart to take extra cautionary measures. However, before setting sail, program the local Coast Guard's emergency line into your phone. Never waste your time in calling '911', as the police department is a land-only emergency service.

Transmission Signals

Both an Automatic Identification System (AIS) and a Search and Rescue Radar Transponder (SART) parlay necessary location information to you and nearby vessels. The AIS allows you to locate nearby boats on a screen. This comes in handy during the evening when it's difficult to view and avoid traffic. Your AIS also distributes a signal to other boats so they in turn see your location.

The SART is specifically designed to direct other boats to your location. The signals sent off by the transponder are received by a vessel which point to the vicinity of your boat.

Just as important as the equipment is the psyche of a captain. Regardless how dire a situation may be, if the captain shows a collective manner, the crew members in turn can perform better under pressure. Unfortunately there is no exact science or perfect strategy to prepare oneself for a mayday call—one simply has to make quick decisions without hesitation.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preparing-for-the-worst-on-the-open-water-800595652.aspx Wed, 14 Sep 2011 08:30:23 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/docking-your-boat-under-pressure-800595648.aspx Astonishingly, nearly one-quarter of all boating accidents last year were a result of negligence. For amateur or experienced boaters alike, closing in on a crowded dock is one of the more difficult tasks, but by following some tips, the process can be simplified, Boating.com reports.

First, you must determine the captain of the boat. There can only be one person who's in charge of the ultimate decision making. There is no vice president—on a boat it's a dictatorship, according to the website.

Distribute tasks to everyone on the boat. Assign the more difficult tasks to experienced boatmen and, if at all possible, assign a second-in-command in case you're incapacitated or you have to leave the boat wheel to address an issue. For inexperienced boatmen, give them simple tasks, such as retrieving equipment or basic rope duty.

Don't rush the process
Practice makes perfect, and before getting to a low-speed, precision boating scenario, you should practice bare steerageway out at sea. Knowing how your boat reacts in this environment will prepare you better when the time comes to dock. Boating in general will make you more comfortable at the helm, and there will be certain instances where reading a guide to boating just won't help, you simply need to be out on the water to truly learn.

Know the laws of the marina. There may be signs informing you to stay right or left, lower your speed or yield to boats passing through—accidents are often caused by boaters ignoring or misreading these signs. Keeping your eyes open and keeping the safety of your own vessel in mind will naturally increase your awareness.

As you approach the dock, you have to gauge your speed. If your boat is moving at a pace in which hitting the dock will cause significant damage, you need to slow down. If you're uncomfortable with your initial approach, back up and start over. It doesn't matter how many times you try, just as long as you get it right. Although you may sense the eyes of onlookers critiquing your style, you must ignore them and accept the fact you're a beginner and over time it can only get better. If someone on the dock or boat offers you advice how to ease the boat in, feel free to accept their kind gesture or ask them stay quiet. You’re in charge, so it’s your decision, according to the website.

By parking and driving safely, you can prevent boat insurance rates from rising. In 2010, there were approximately 4,600 boat accidents. Of those, more than 1,100 were caused by operator inexperience or inattention, according to the U.S. Department of Homeland Security. Regardless of you or your captain's experience, it is important to keep an eye out at sea. Although your boat may have a plethora of experience, there is no telling what other naïve vessels may be in proximity to you.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/docking-your-boat-under-pressure-800595648.aspx Wed, 14 Sep 2011 08:26:53 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/hackers-exploit-vehicles-security-vulnerabilities-800592941.aspx The National Insurance Crime Bureau recently reported fewer motorists are filing auto insurance claims relating to theft, as stolen vehicles continue their downward decline. The NICB attributes the reduced incidence to a variety of factors, including improved technology and greater enforcement efforts among local and state authorities.

Criminals are resorting to hi-tech methods for hijacking cars as conventional methods of vehicle theft are on the decline, according to the Associated Press.

Vulnerable to computer hackers

The news service reports that an increasing number of car owners have been victimized by hackers who are able to communicate with vehicles by sending specialized messages to a vehicle's anti-theft system. By doing so, hackers are able to unlock car doors and start ignitions with a few keystrokes.

The reason why this is possible, according to the report, is because automakers that equip certain models with built-in car alarms and GPS units operate those systems through cellular telephone networks, thus enabling them to be compromised via specially-crafted text messaging.

To demonstrate how this is done, researchers from the security firm iSEC Partners used a Subaru Outback as an example. Because the model had a vulnerable alarm system, the researchers from the firm were able to hack into the vehicle's computer by sending it messages through their laptop.

The ease with which the researchers have been able to hack into cars' computers has gotten the attention of the North American Electric Reliability Corporation, an electric utility trade group. The reason, according to representatives interviewed by the Associated Press, is because it's the same technology used to hack into power plants.

Cars and power plants aren't the only things vulnerable to attack. Researchers Don Bailey and Mat Solnik told the AP that text-based hacking methods can also be used on ATM machines, medical devices, and traffic lights at intersections.

As far as cars are concerned, Bailey and Solnik explained that they are working with manufacturers to fix some of the vulnerabilities that can be exploited by hackers. In an interview with the AP, Bailey said the constant advancement of technology has unintentionally put security on the back burner.

"We're so excited to use technology that we're deploying it too quickly and not really thinking about the impact of security," he said. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/hackers-exploit-vehicles-security-vulnerabilities-800592941.aspx Fri, 09 Sep 2011 12:46:01 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/falls-out-of-windows-common-among-children-800587288.aspx Windows were one of the last things Beth Harlan of Galloway, Ohio, thought could be a hazard to her family's safety. She realized just how wrong she was, when her six-year-old daughter fell out of the second-floor window of her home.

"I came upstairs just in time to see her falling," said Harlan in an interview with CBS News.

Apparently her daughter, Sidney Dillon, was leaning against the window before she fell to the ground below. "Never in a million years, when I opened up the window, did I think my kid would decide to sit in the windowsill."

Fortunately, she did not sustain serious injury. But the same cannot be said for thousands of kids who have fallen from windows in the past two decades.

Nearly 100,000 injuries since 1990

Approximately 5,000 kids per year sustain injuries after falling out of windows, according to a new study recently published in the journal Pediatrics.

After reviewing accident statistics from hospital emergency rooms between 1990 and 2008, the study found more than 98,000 children had been treated for a variety of injuries, including cuts, bruises, contusions, and head injuries that occasionally proved fatal.

A number of other findings were recorded by the researchers, including boys being more likely to fall out of windows than girls, and accidents more likely to happen in the spring and summer. In addition, 25 percent of injuries required hospitalization and children five years of age and younger experienced a greater proportion of head injuries.

Researcher: Screens no fail-safe

Lead author Vaughn Harris of the Center for Injury Research and Policy said that while the majority of accidents had a screen in place, parents shouldn't think they'll spare their kids from falling.

"[Screens] do not provide adequate protection against window falls involving children," said Harris. "Parents and other child caregivers should be counseled to not depend on screens to prevent children from falling out windows."

What can reduce the risk of accidents, according to researchers, is installing window guards, which prevent windows from being opened more than a few inches. In addition, Harris and his colleagues say parents can reduce their kids' access to windows by moving furniture away from them.

As an extra precaution, homeowners may want to have some type of soft landing area outside windows should other preventive measures prove ineffective. For instance, a bush or plant bed can cushion a child's fall, potentially preventing serious injury.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/falls-out-of-windows-common-among-children-800587288.aspx Wed, 31 Aug 2011 12:30:22 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/sleep-can-help-improve-your-health-800587239.aspx Most people have been told at one point or another that getting a good night's sleep is important. This may be easier said than done given the amount of stress many Americans are suffering due to unemployment, financial discord and housing troubles. However, experts are encouraging individuals to explore ways to alleviate stress and improve sleep patterns, as new evidence reveals that weight gain and inadequate rest may be tied together.

Relationship between sleep and weight gain

There are a number of theories as to why a lack of sleep may lead to weight gain. A recent study conducted by the New York Obesity Nutrition Research Centers shows that individuals who suffer from insufficient levels of sleep tend to overeat, the Washington Post reports. The research shows that while individuals burn the same number of calories each day, regardless of their sleep patterns, people who do not sleep enough generally consume 300 more calories per day than their well-rested counterparts, the Post reports.

A separate study conducted by sleep disorder expert Michael Breus corroborates this evidence, revealing that inadequate sleep triggers the release of cortisol in the body, a hormone discharged in response to stress and one that boosts an individual's appetite, according to the newspaper.

Long-term implications of weight gain

Individuals who gain a significant amount of weight or become obese run the risk of falling victim to a number of related critical illnesses, such as diabetes, hypertension, and heart disease. For this reason, it's important that adults who are at risk of these illnesses due to family history or those who suffer sleep disorders find ways to curb weight gain, explore life insurance options, and adopt healthy lifestyle habits.

Getting a good night's sleep when individuals are feeling stressed can be difficult, but experts say there are a number of methods consumers can adopt to lead to a more restful sleep pattern. For example, following a consistent sleep schedule, exercising, curbing late afternoon caffeine, and keeping a worry diary may help get the body back on track, the Post reports. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/sleep-can-help-improve-your-health-800587239.aspx Wed, 31 Aug 2011 11:51:43 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/working-to-eliminate-death-of-children-in-hot-cars-800587235.aspx Many people were outraged years ago to find that people were leaving their pets in their cars when they ran quick errands, a move that can cause hyperthermia and heat stroke. Although most now have a greater understanding of the damaging and dangerous effects of leaving pets in high temperatures, some fail to realize that these same consequences can impact young children left in the same conditions.

The National Highway and Traffic Safety Administration recently shed light on these tragedies in a series of informational sessions meant to educate and inform adults.

Children at risk of hyperthermia, death

Roughly 38 children die on an annual basis as a result of being left in an automobile in extreme heat, according to child safety website KidsandCars.org. However, this average was surpassed this year, as 49 child deaths were reported.

In addition, many parents carry a misconception that children are only at risk of hyperthermia or heat stroke during heat waves, according to USA Today. The NHTSA says this contributes to the problem and parents should be aware that temperatures as mild as 68 degrees can result in heat stroke and other adverse conditions.

Prevention

The NHTSA encourages individuals who see children left unattended in autos to contact 911 immediately. In addition, there are steps parents can take to ensure they do not forget to bring their children with them. For example, the NHTSA says rear-facing car seats may lead busy parents to forget their child is in the car; allowing children to face their parents may make a difference, the newspaper reports.

The NHTSA notes that many parents whose children die as a result of leaving them in hot cars are not bad parents, but simply weren't aware their child’s safety is at risk.

"What happens when these terrible tragedies occur is that people … pull back and say, 'What idiots, what stupid parents, how could you ever forget your child?'" KidsandCars.com founder Janette Fennell told the newspaper. "In about 90 percent of these cases, they're really good parents." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/working-to-eliminate-death-of-children-in-hot-cars-800587235.aspx Wed, 31 Aug 2011 11:44:21 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-programs-help-elderly-remain-mobile-800586148.aspx Elderly drivers often must turn their keys over to a friend or loved one due to the potential safety risks they pose to themselves and other motorists, such as diminished vision, or mental or physical decline. This puts a significant strain on older drivers' personal lives, as it impinges on their sense of independence and freedom.

However, there are some programs are available to senior citizens that can help them remain mobile maintain their sense of independence.

"We know that people who [remain mobile] have the ability to be independent longer," said Deborah Hersman, chairman of the National Transportation Safety Board, in an interview with USA Today. "We know that's a real challenge in certain parts of this country, both rural and urban."

But as the story indicates, there are a variety of driving-service programs of which the elderly may be able to take advantage.

Earning credits

There are several volunteer programs wherein individuals offer to drive seniors to appointments, according to Hersman. One of them is called the Independent Transportation Network, or ITNAmerica. Young volunteers participating in the program receive "credits" based on the number of miles they drive chauffeuring seniors to wherever they need to go. These credits can then be cashed in once they grow older or given to an elderly family member to use for their rides.

RidePlus is a private service that caters to the elderly. Based in Phoenix, Ariz., drivers are trained in caring for seniors, according to USA Today. Passengers soliciting the service pay a fee that's similar to what taxi drivers charge, the paper states.

Florida seniors changing driving behaviors

In Florida, home to a large elderly population, a recent poll conducted by the Area Agency on Aging found that senior drivers are taking steps to increase their ability to drive by themselves for as long as possible. For example, 76 percent of older drivers said they avoid rush hour, drive less often or plan their trips ahead of time before getting behind the wheel.

Further, 76 percent of drivers said they would like to take a driving safety course to further improve their skills behind the wheel.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-programs-help-elderly-remain-mobile-800586148.aspx Tue, 30 Aug 2011 12:11:21 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-rules-of-carpooling-800576831.aspx Whether to be more eco-friendly, foster camaraderie or spend less at the gas pump, many commuters choose to carpool on their ride into work every morning. However, because several people with varying opinions are all in the car in once, it may be advisable to have a set of rules that governs the carpooling process.

The Virginia-based Arlington County Commuter Services (ACCS) recently published a list that may help commuters get from point A to point B happily and successfully.

Establish a chain of communication
ACCS advises that a specific pickup time should be scheduled for each person. If someone won't be riding on a particular day, the others should be contacted as soon as possible. In short, a chain of communication should be established that lays out who is travelling and when riders should be ready each day.

Take turns driving
Though passengers in a carpool are saving gas money, the person doing the driving is spending just as much, if not more, on a regular basis. As a result, the source suggests each participant in the carpool switch off as to when they will serve as the driver. If the group decides one person will always be behind the wheel, the other members should chip in for gas, according to the ACCS.

Compromise, compromise, compromise
During the ride, some drivers may not particularly care for a specific genre of music. Therefore, the source suggests a compromise be reached on what's played on the car's stereo system that everyone can enjoy. Another agreement should be set with regard to food or smoking.

Vehicle safety is an additional factor. This obviously includes adhering to the rules of the road, but also involves making sure a car is kept in good working order, according to the ACCS. Drivers may want to schedule tune-ups on a more regular basis if their vehicle will be the primary one used.

Carpooling has become less commonplace
While Virginia may be among the states where carpooling is on the rise, the trend hasn't caught on throughout the country. According to a recent article published in the New York Times, carpooling has dropped precipitously since the 1970s and 1980s. Statistics collected from the most recent U.S. Census report indicate carpooling is down 50 percent compared to 20 years ago.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-rules-of-carpooling-800576831.aspx Tue, 16 Aug 2011 15:23:37 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-through-thunderstorms-can-be-deadly-800575755.aspx Devastating storms continue to strike with increasing frequency, prompting drivers to pay more careful attention to something as common as a thunderstorm. While they may be small in size, every thunderstorm produces lightning that kills more individuals every year than tornadoes.

Lightning can cause damage to both people and property and is extremely unpredictable, often causing unexpected auto insurance claims.

Additionally, 75 to 100 Americans are killed by lightning strikes every year, although some individuals survive these rare happenings. However, those individuals who do recover often report having memory loss, attention deficits and fatigue, among other symptoms.

Potential threats

These small but deadly storms can also cause flash floods that can trap drivers in their cars and shut down roads. Some storms are even powerful enough to deliver hail and tornadoes.

While they tend to be small in relation to other natural disasters, typically spanning 15 miles in diameter and lasting for approximately 20 to 30 minutes, thunderstorms can cause plenty of damage. There are an estimated 100,000 thunderstorms in the United States every year, 10 percent classified as severe.

How to drive safely during a storm

In an effort to reduce traffic accidents relating to these hazards thunderstorms, The Weather Channel offers some key factors in avoiding dangerous events. The first rule is to keep radios on in order to stay informed of potentially changing situations.

Drivers can also use this line of communication to find out if tornadoes are anywhere within the storm. There should be no attempt to outrun or catch these twisters as they can change directions quickly and take a car with them.

Making sure headlights are turned on is important during thunderstorms, according to The Weather Channel, and avoiding the storm entirely by remaining indoors until the storm passes is suggested.

If a storm gets too intense and completely limits a driver’s ability to see, they should pull over away from trees that may potentially fall on the vehicle. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-through-thunderstorms-can-be-deadly-800575755.aspx Mon, 15 Aug 2011 14:31:00 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/golf-carts-are-increasing-in-popularity-800574442.aspx Police spokesperson Sgt. Bert Anzini told The Arizona Republic drivers need to stop assuming golf carts are restricted to courses and retirement communities. In fact, elderly drivers are often allowed to drive carts on public roads near their retirement communities.

The sergeant's statement came on the heels of the death of Leonard Gaabo, an 85-year-old resident of the Sun City West, Arizona, retirement community. Gaabo reportedly didn't often venture out onto the roads with his cart, instead primarily using it to travel to the community Jacuzzi and to play golf.

Gaabo drove his cart home from a repair shop in April and was hit by an SUV, which sped off after the accident. Gaabo died the following day as a result of his injuries.

The Republic reports authorities are recording an increase in accidents involving golf carts. More seniors are driving them onto the roads for personal use, including running errands, according to the site. Sun City West Deputy Fire Chief Tim Van Scoter said golf-cart drivers are normally not at fault in accidents, adding, "People just don't see them because they're smaller."

"It's just important to know the limitations of those types of vehicles and what type of law they're going to fall under," said Anzini. He said some golf-cart operators take greater risks than they would driving a vehicle, and some aren't aware of the driving laws that regulate golf carts on roadways.

Increasing frequency of golf-cart-related accidents

The National Golf Cart Association (NGCA) reports that golf carts are being used all over the United States more frequently. They offer a convenient means of transportation among the retiree population, and golf carts also normally receive relatively high fuel ratings. "This is a toy of the Baby Boomer generation," said Robert Edwards, executive director of NGCA.

Edwards also pointed to the fact that while golf carts are being used on the roads more frequently, the accident rates involving them are also on the rise. He made note of a study conducted at the University of Alabama at Birmingham that reported 48,000 golf-cart injuries across the nation between 2002 and 2005. The most at-risk age groups were males between 10 and 19 and seniors over 80, according to the study.

The study stated that one of the most likely causes behind the majority of these accidents is the lack of safety instructions provided by golf-cart manufacturers and retailers. Edwards also informed the source that he's concerned with the lack of safety instructions given to people who purchase golf carts from after-market sellers, such as golf courses that sell outdated carts.

Golf cart safety

Not all golf carts are equipped with seatbelts, but those that aren't normally have hand-hold bars rising from the seats or molded into the roof, according to the NGCA. Features like these can help passengers avoid being ejected when the cart makes sharp turns.

Edwards noted that making a left-hand turn at only 11 mph can easily throw a passenger from a cart. Passenger ejection and rollover are reportedly the most common causes of golf-cart-related injuries, and both are normally caused by excessive speeds while turning.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/golf-carts-are-increasing-in-popularity-800574442.aspx Fri, 12 Aug 2011 05:23:25 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-tips-during-wild-weather-800572715.aspx Throughout much of the country, the summer is a time for environmental disasters, as it's in the heart of the tornado season, the start of the hurricane season, wildfires occur more frequently and hailstorms are common.

While these storms pose a significant hazard for homeowners, they can also pose problems for motorists. To enhance driving safety, The Weather Channel (TWC) put together some driving safety tips when severe weather conditions are taking place.

Driving in a hailstorm

During hailstorms, roadways can quickly become littered with potential hazards, such as downed branches and fallen power lines. As a result, TWC states drivers should allow extra space between themselves and the car ahead of them so there's more time to brake and maneuver to avoid debris.

If at all possible, however, TWC states drivers should seek cover, as hailstones measuring an inch in diameter can cause damage to a vehicle's exterior. To prevent that, the source says drivers should find the nearest shelter, such as a storage unit, service station or parking garage.

It may be tempting for drivers to get out of their vehicle and clear hailstones from being lodged in the lower part of the windshield. However, TWC advises against this. If visibility has become a problem, drivers should pull over to the side of the road as safely as possible, turn on the hazard lights and wait until the storm has cleared before attempting to exit the vehicle.

Strong wind gusts

Heavy winds can be another safety hazard while on the road. As with hailstorms, TWC says drivers should avoid driving, but if wind gusts become heavy while one is driving, motorists should reduce their speed, especially in areas where trees are dense or when meeting large vehicles.

Earthquakes

Earthquakes can be especially hazardous for motorists since it affects the very ground the driver is using. TWC says motorists should stop driving as soon as possible, so long as the area one is stopping at isn't under a bridge or overpass. Once stopped, don't exit the vehicle until the shaking subsides.

Flooding

Flooding conditions can also be a traffic hazard, as residents living along the Missouri River can attest. One of the biggest mistakes motorists make is attempting to drive through high water levels. TWC says attempting to drive through it is not worth the risk. As little as 12 inches of water can cause vehicles to float and two feet can sweep them away.

What every car should carry

No matter what the weather condition is—even if it's sunny and warm out— The Weather Channel says drivers should always have their vehicles sufficiently stocked with emergency supplies, such as a first aid kit, bottled water, a flashlight with extra batteries and maps.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-tips-during-wild-weather-800572715.aspx Wed, 10 Aug 2011 13:32:00 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-to-pass-a-road-test-on-the-first-try-800572709.aspx When teenagers pass a road test, they've proven to their instructor and the state they understand the rules of driving safety. However, perhaps due to nerves or not being properly prepared, teens occasionally fail the exam on their first attempt.

Yahoo! contributor, Andrew Berry, can relate, as it wasn't until his second road test that he passed. To help teenagers ace the driving portion of their exam on the first try, Berry suggests a few tips.

Practice makes perfect

While it may seem obvious, Berry says practice is crucial, stating teens can sharpen their skills by driving in a nearby development or on side roads, making sure no pedestrians or other cars are in the area.

Once a teenager feels they have the techniques of driving and parking down cold, Berry says teens should schedule their road test. However, nervousness can counteract everything one has learned. Thus, Berry says it's crucial teens remain calm by taking a few deep breaths and being confident in the skills they've learned and practiced.

Driving test begins before the vehicle moves

Berry says once the driving instructor enters the car, the test has begun. However, the test may be over before the car has even moved if the student driver starts the vehicle before the instructor gets in the passenger seat. Thus, Berry says it's important teens begin by making sure the car is off, then turning on the ignition once the instructor is ready.

In the actual driving portion of the exam, Berry says small mistakes can pose big problems. For instance, drivers should stay as close to the actual speed limit as possible—trying not to go too slow or too fast—and to come to a complete stop at stop signs. Slowing down or coming to a partial stop may be a recipe for failure. Once a complete stop has been performed, the driver can then inch forward if they're having trouble seeing oncoming cars.

Strict adherence to the rules of the road

Through the driving portion of the exam, Berry says teens should be as observant as possible, keeping an eye out for all road signs, checking the rearview mirror occasionally and listening intently to the instructor.

When the test is nearing its end, the instructor will likely ask the driver to return to where they started. Berry says drivers should leave the car exactly as they found it, making sure the wheels are straightened and being careful not to hit the curb.

Finally, Berry states no matter how well the driver thinks they've done, they should be sure to remain calm and professional.

Despite a driver's best efforts, however, Berry says some people may still not pass on the first try. Berry says there's no need to despair if this happens as there's always next time.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-to-pass-a-road-test-on-the-first-try-800572709.aspx Wed, 10 Aug 2011 13:28:37 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/many-american-drivers-favor-red-light-cameras-800553360.aspx There has been controversy over the effectiveness and affordability of red light traffic cameras over the years, but a recent survey has found a majority of drivers in the U.S. want them. The Insurance Institute for Highway Safety conducted a poll in 14 major cities and found two-thirds of residents in all but one city favored the cameras and felt they increased auto safety.

Opposition outweighed by proponents

The Institute reports these results further show those who oppose the cameras are in fact a minority. Although Houston residents voted last year to shut off their cameras, a majority of residents want them.

"Most drivers don't buy the argument that it's somehow wrong to enforce the law just because you're using a camera to do it," says Anne McCartt, the Institute's senior vice president for research. "They understand that this technology is preventing crashes in their cities."

Cameras may be saving lives

A study released earlier in the year by the III showed that in cities with populations over 200,000 that used the cameras saved 159 lives compared to the years they did not use them. The study estimates if all U.S. cities had used those cameras 815 deaths may have been prevented.

The Institute also gauged drivers' experience with cameras and what they think about them. Close to 3,000 individuals in the 14 cities were interviewed, and another 300 in Houston alone were surveyed due to their recent vote to turn off the cameras.

In all of the cities, nine out of 10 drivers felt running a red light is unacceptable and eight out of 10 feel it is a threat to personal safety. An additional two-thirds favor the cameras, 42 percent feeling strongly about them.

Drivers believe cameras making a difference

In cities where the drivers knew the cameras were operating, 89 percent felt the intersections had become safer. Almost half of the residents surveyed knew someone who had received a ticket and 17 percent had gotten one themselves.

Financial issues

Some opponents of the camera system believe they violate privacy laws and are used merely to generate revenue. In several cities across the country, officials were told the cameras would not only pay for themselves, they would generate much needed cash flow for the local economy. However, as drivers learned which intersections had the cameras, they simply planned around them. In Dallas the cameras were so ineffective they did not even cover their own cost, according to MSNBC.

Individuals surveyed were less supportive of using cameras for right-on red violations, which not all cities use the cameras for.

"Right-on-red violations usually aren't associated with T-bone crashes, but they make intersections much more dangerous for pedestrians in particular," McCartt says. "The survey results show cities need to do a better job explaining this issue to drivers."  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/many-american-drivers-favor-red-light-cameras-800553360.aspx Fri, 15 Jul 2011 15:16:57 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/five-warning-lights-drivers-should-heed-800552092.aspx When there is a problem with the human body, the brain and nerve cells communicate in order to tell the person it's experiencing pain and something needs to be fixed. The vehicle equivalents are warning lights, and, similar to pain, if drivers ignore them, it could potentially affect their well-being.

In an effort to enhance car safety and the awareness of road trippers, U.S. News and World Report recently highlighted five warning lights drivers must heed if they want to get to their destination without experiencing serious car troubles.

Oil Pressure

The first is the oil pressure warning light, which when illuminated, looks like an oil canister pouring a droplet of liquid. The source states this light alerts motorists that the car is running low on oil and needs to be filled.

Check Engine

The second warning light the magazine says is important to address is the "check engine" light, which is oftentimes spelled out rather than represented by a symbol. This warning is more general and could be associated with a variety of problems, ranging from something as serious as a damaged catalytic converter or as minor as a loose gas cap.

Tire Pressure

A new warning light an increasing number of cars have is a tire pressure alert, which is typically symbolized by a yellow exclamation mark. The source states this indicates the tires' air levels are low and should be filled or that one of them may have a flat.

Engine Temperature

Then there's the engine temperature gauge. If the engine is running at a safe temperature level, the thermometer should be between the 'C' and 'H,' which represent 'cold' and 'hot.' If the dial is tipping more toward either letter, the source states it may be an indication the engine is in jeopardy and needs coolant. U.S. News and World Report says this warning should be taken especially seriously, as extreme temperatures can cause pipes and hoses to burst.

Brakes

Finally there's the brake light, which usually is represented by an exclamation mark with the word 'BRAKE' beneath it. Should it go on while driving, the source states it's likely a problem related to brake fluid pressure. Should the brakes fail to work, the magazine says drivers should quickly turn on their hazards, take their foot off the gas and pull over to the side of the road as safely as possible.

Inspect the car before leaving on a trip

In order to prevent these warnings from appearing, Rich White, executive director of the Car Care Council, has a recommendation for summer road trippers.

"A simple vehicle inspection can help avoid the inconvenience and potential safety hazards of breaking down many miles away from home," said White. "In just 10 minutes drivers can make sure their car is ready for travel and then take steps to have any problems fixed before heading out for vacation."

In short, before leaving on a trip, White says to check all fluids, examine all hoses and belts, check the tire pressure and to turn the vehicle's wipers and headlights on to make sure they're working properly.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/five-warning-lights-drivers-should-heed-800552092.aspx Thu, 14 Jul 2011 13:03:42 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/study-says-more-research-is-needed-on-distracted-driving-800551457.aspx While more than 350 scientific papers have been conducted on the dangers of distracted driving, a new study is indicating even more research is needed in order to gain a fuller understanding of its dangers.

In a recent report, titled Distracted Driving: What Research Shows and What States Can Do, the Governors Highway Safety Association goes into great detail about the history of distracted driving, how it's defined, the impact it has on driving safety and what state legislatures have done to address it.

And while hundreds of studies have been carried out on distracted driving, Barbara Harsha, executive directors of the GHSA, says the GHSA's ultimate conclusion is more can be learned.

Officials say research incomplete

"Despite all that has been written about driver distraction, there is still a lot that we do not know," said Harsha. "Much of the [previous] research is incomplete or contradictory. Clearly, more studies need to be done addressing both the scope of the problem and how to effectively address it."

While the GSHA says there's more to discover about the dangers of distracted driving, it nonetheless came away with a number of conclusions. For instance, the report stated distracted driving adversely affects driving performance and is associated with between 15 and 25 percent of crashes. In addition, it also pinpointed texting on a cell phone to be a more frequent cause of accidents compared to talking.

As for what states should do to address the issue, the nonprofit organization said cell phone bans that are in force should remain but it stopped short of calling for a nationwide ban. Instead, the GSHA said states considering a ban should hold off for the time being until more research is done, confirming cell phone bans curb traffic accidents.

Congresswoman files legislation to ban all drivers from using cell phones

In late June, Congresswoman Carolyn McCarthy filed legislation in the House of Representatives that would prohibit all drivers from using cell phones while behind the wheel.

"Driving while making a phone call, texting or using apps can be as dangerous as driving drunk, and much more common," said McCarthy. "With some basic commonsense rules that are already in place in some parts of the country, we can reduce injuries and save lives in America."

The proposal, called the Safe Drivers Act, would allow drivers to use cell phones in certain situations, such as if there's an emergency.

Presently, eight states prohibit all drivers from operating cell phones while driving and another eight states have no laws whatsoever governing drivers' cell phone use.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/study-says-more-research-is-needed-on-distracted-driving-800551457.aspx Wed, 13 Jul 2011 15:52:12 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/some-manufacturers-adding-motorcycle-features-for-safety-800547904.aspx As automakers incorporate more features into their vehicles to enhance driving safety, some are looking to do the same with their motorcycles.

According to the Wall Street Journal, many manufacturers are responding to the pleas of federal officials by equipping their motorcycles with safety enhancements that would come standard in all models.

BMW to add antilock brakes to 2012 motorcycles

For instance, the source states BMW is looking to add antilock brakes to all of its 2012 motorcycle models and thereafter. As Insurance Information Institute for Highway Safety president Adrian Lund tells the Wall Street Journal, ABS systems are crucial for motorcycle riders, as it's impossible for riders to keep their bikes upright when they hit their brakes hard to avoid an accident.

"When you lock those wheels, you're down," said Lund.

The paper reports BMW made the enhanced safety measure official in April, following a report issued from the National Transportation Safety Board and the IIHS indicating motorcycles with antilock brakes were 37 percent less likely to be involved in an accident compared to bikes without them.

Some are resisting motorcycle safety crackdown

But the Journal reports motorcycle riders, and the industry in general, have been resistant to the crackdown on compelling manufacturers to add safety features to motorcycles. Even though motorcycle fatalities have risen 11 of the past 12 years, according to the National Highway Traffic Safety Administration, rider groups have protested states requiring riders to wear a helmet, which only 20 states require, the paper reports.

Michigan may rescind helmet law

One of the states where motorcyclists are required to wear a helmet is Michigan. However, that requirement may be rescinded if some of the state's lawmakers have their way.

In an interview with the Detroit News, Governor Rick Snyder recently said he would consider a law working its way through congress to eliminate the helmet law.

"I'd like to look at a broader set of reforms," Snyder told the paper, saying he would consider repealing the law as part of a sweeping bill that would change several of Michigan's auto insurance laws.

In the last week of June, the Michigan Senate voted to pass the bill, SB 291, which would no longer require motorcycle riders to wear a helmet if they had a health insurance policy of at least $100,000 in place. The bill still has to be approved by the House before it can go to Governor Snyder for his signature.

'Helmets don't prevent accidents'

Vince Consiglio, a motorcycle instructor and president of American Bikers Aiming Toward Education Michigan, told the Detroit News helmets won't solve the problem of reducing motorcycle crashes, but better operation may.

"Helmets don't prevent accidents," said Consiglio. "There are all these issues with safety and training. We not only believe that riders should take a course, we also believe it's important for current riders to practice and take other course to improve their skills."
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/some-manufacturers-adding-motorcycle-features-for-safety-800547904.aspx Fri, 08 Jul 2011 12:25:25 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/vehicle-quality-declines-among-2011-cars-800544812.aspx Among new car purchases, sales have generally been mixed in 2011 across several automakers. But when it comes to the quality of those vehicles, a study from J.D. Power and Associates suggests craftsmanship has declined.

Initial quality of all-new models drops 10 percent compared to 2010

According to J.D. Power and Associates' Initial Quality Study, the initial quality of all-new models or those that have undergone a significant redesign dropped 10 percent when compared to 2010 models.

This is the first time since 2007 quality ratings from the group have declined.

J.D Power and Associates determines "quality" based on the number of problems reported by users of these cars for every 100 vehicles. The findings were based on responses from 73,000 purchasers of 2011 models who owned their vehicles for at least 90 days.

Honda and Lexus score well, Suzuki and Mitsubishi underperform

The group says the industry average for the number of problems for every 100 vehicles was 107, with Dodge, Suzuki and Mitsubishi having the most issues. Lexus and Honda, meanwhile, had some of the better vehicle quality ratings, with 73 and 86 problems per 100 vehicles, respectively. Among specific models, the Honda Fit and Honda Civic ranked highest in their respective categories—sub-compact and compact, respectively—while the Lexus GS, ES and LS scored best in the categories of midsize premium, entry premium and large premium.

Some of the most common issues drivers sent their vehicles to the car repair shop for related to engine and transmission problems. J.D Power says drivers often complained their vehicles would hesitate when transitioning to higher gears when they accelerated.

Other problems reported related to technology problems, as motorists reported operational problems with features like voice-recognition software.

Official: Automakers must 'walk before they run'

"Clearly, consumers are interested in having new technology in their vehicles, but automakers must ensure that the technology is ready for prime time," said David Sargent, vice president of global vehicle research at J.D. Power and Associates. "Successful companies will be those that can take this incredibly complex technology and make it reliable, seamless and easy for owners to operate while they are driving."

Sargent went on to say automakers, understandably, want to equip their vehicles with the best possible technologies available but they must "be careful to walk before they run."

The firm expects more technology problems in the future, however, citing a steady increase in problems relating to audio, entertainment and navigation systems since 2009.

On the positive side, J.D. Power and Associates said the quality of carryover models—new models that haven't undergone any significant changes—improved in 2011 and are better now than ever before.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/vehicle-quality-declines-among-2011-cars-800544812.aspx Tue, 05 Jul 2011 13:05:37 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/skin-cancer-on-the-rise-among-drivers-800544800.aspx Though wearing sunscreen is typically recommendation given to sun bathers, a new study is revealing it may be a good driving safety tip as well.

Skin cancer common on left arms

According to a recent article published by AOL Autos, several studies have found an increased incidence of skin cancer among drivers, particularly on the left side of drivers' bodies, which are typically exposed to the sun's ultraviolet rays.

Publishing their findings in the Journal of the American Academy of Dermatology, the University of Washington in Seattle found melanomas and merkel cell carcinomas—some of the more common types of skin cancer—were found on the upper arms of the study's participants' bodies, according to automotive news website.

AOL Autos says this study adds to a growing body of evidence over the years suggesting drivers are vulnerable to skin cancer if they don't take appropriate precautions. Another study, performed in Australia in 1986, found a link between skin cancers on the right side of the body in countries where the steering wheel is on that side.

Take advantage of a car's air conditioning

AOL Autos says motorists can decrease their risk of skin cancer by practicing common sense, such as not exposing their bare flesh to the sun's rays by rolling up the windows and taking advantage of air conditioning. The website says having tinted windows installed may also help, but drivers don't need to replace their windshield, as most carmakers install windshields with UV-filter technology.

Of course, another safety measure is for drivers to use sunscreen, particularly those who will drive with their arms out the window or who have convertibles.

New labeling system for sunscreens

The Food and Drug Administration recently released a new set of guidelines to better inform consumers about sunscreen and how protective it is. Among the changes, according to the FDA, companies can no longer label sunscreens as having an SPF value above 50 because there is no evidence to suggest values higher than 50 provide better protection from the sun's harmful UV rays. Also, companies are allowed to label their product as "broad spectrum"—which helps block out both ultraviolet A and ultraviolet B rays—as long as it passes the FDA's tests for UVB and UVA protection.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/skin-cancer-on-the-rise-among-drivers-800544800.aspx Tue, 05 Jul 2011 12:57:07 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/e-zpass-could-be-used-for-speeding-tickets-800544545.aspx Local and state governments with a need for revenue could soon turn to E-ZPass data to begin handing out speeding tickets and traffic violations, AOL Autos states.

Citing statistics from the National Motorists Association, between $25 million and $50 million is made each year from speeding tickets, according to the source. AOL says cash-strapped governments could start using E-ZPass as a way to make more money from motorists who make it from one toll plaza to the next faster than the speed limit allows.

Surveillance use by government possible

In England, police already use more than 500 surveillance cameras on roadways to issue speeding tickets and traffic violations without having a police officer have to pull anyone over, the source states.

An expert with security and privacy told AOL a similar system may begin in the U.S. soon, as well.

"The concerns about E-ZPass tracking are certainly justified. Current laws are ill-equipped to handle the issues," Daniel Solove, a George Washington University Law School professor, told the source.

Americans give up privacy easily

Tom Levin, a Princeton professor specializing in media theory and surveillance, told the source many Americans already give up personal information constantly, even without using E-ZPass. He states those who choose to fly at airports are required to divulge private information, and many do so without question for the sake of convenience.

"In Germany the default setting is: You can do nothing with my data unless I tell you otherwise," he told AOL. "In the United States, the default setting is you can do everything with my data until I tell you otherwise."

He added consumers are also comfortable with giving out their credit card information and phone numbers with little or no hesitation, which is similar to allowing the government to utilize tracking data.

E-ZPass in operation in many states

Fourteen states currently have tolls with E-ZPass, AOL states. Judie Glave, spokeswoman for the Metropolitan Transportation Authority in New York, told the source the system has provided authorities with helpful ways to keep track of driving patterns and speeds.

Another benefit of the program is related to the environment, Frank McCartney, president of the International Bridge, Tunnel and Turnpike Association, told AOL. As more cars use E-ZPass, fewer vehicles are idling, accelerating or decelerating, which reduces gas use.

Despite these advantages, though, Levin states the government will likely start using the information from E-ZPass to issue citations to speeders, which could raise auto insurance rates and the public's concerns over privacy.

"What they're doing is testing how much you're willing to put up with," said Levin. "And if you're willing to put up with that form of invasiveness, it's trivial to move to the next stage." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/e-zpass-could-be-used-for-speeding-tickets-800544545.aspx Tue, 05 Jul 2011 08:17:22 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-introduces-inflatable-rear-seat-belts-800543472.aspx
In an effort to increase car safety of backseat passengers, Ford is expanding the number of cars that will come with inflatable rear seat belts next summer, according to AOL Autos. The company introduced this new seat belt technology in the Ford Explorer late last year, with 40 percent of buyers opting for the new technology, Ford reports. An additional 87 percent of purchasers added the rear view camera and 40 percent invested in the blind spot information system.

How do the belts help?

The belts are designed to inflate like an air bag in the event of a crash and distribute the force of impact across a wider area of the passenger's body, according to USA Today. The belts are also said to be more comfortable because they are covered in softer webbing than typical belts. Some experts are hoping this increased level of comfort will make backseat passengers more willing to buckle up, the media outlet reports.

"It feels a lot different; it's softer and more lightly woven," says Sue Cischke, group vice president of sustainability, environmental and safety engineering. "When we asked people to sample them, they said it feels less rigid and more comfortable.

Years in the making

The National Highway Traffic Safety Administration reports while 83 percent of front-seat passengers wear their seat belts, only 74 percent of rear-seat passengers strap in. Ford has been working on this new inflatable technology since a prototype was first introduced in 2001 at the North American International Auto Show in Detroit.

How they work

The belts deploy when the car's internal sensors determine there has been a collision. The airbag inside the belt inflates and then pops out like an accordion. The company's technology experts say the system is simple, but required extensive testing over the years in order to ensure precise and reliable performance.

"This advanced restraint system is designed to help reduce head, neck and chest injuries for rear-seat passengers, often children and older passengers who can be more vulnerable to such injuries," said Cischke.

They cost $195 a piece per belt, but are not available in all Explorer models. Starting next summer the technology will also be available in the Ford Flex and the Lincoln line of vehicles.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ford-introduces-inflatable-rear-seat-belts-800543472.aspx Thu, 30 Jun 2011 18:12:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/with-higher-rollover-risk-automakers-improve-suv-safety-features-800541455.aspx SUVs tend to be purchased by those looking to get more out of an automobile than what a lighter vehicle can do. But as Edmunds.com reports, it can be easy to overestimate an SUV's "go-anywhere capabilities."

Height of SUVs make them rollover risks

For instance, Edmunds says motorists can sometimes forget that, because an SUV is taller than the standard vehicle, its center of gravity is more tenuous. As a result, SUVs can tip over if motorists put too much cargo on top.

The website says automakers have responded by building SUVs which aren't quite as tall—often referred to as crossover vehicles—such as the BMW X3, Ford Edge and Chevy Traverse.

More SUVs equipped with stability control technology

Another way carmakers have attempted to reduce SUV rollovers is through the installation of stability control technology. Edmunds says programs like StabiliTrak by General Motors, Ford's AdvanceTrac and Vehicle Skid Control from Toyota help prevent the risk of rollover by cutting off engine power and braking when the onboard computer senses the vehicle is losing control.

Better load capacity labeling

Despite these preventive measures, however, Edmunds says the risk for rollover still remains if drivers aren't aware of their SUVs limits. Since 2004, the NHTSA has required carmakers to list an SUV’s maximum allowable weight on the tire label located on the doorjamb. The website says Consumer Reports publishes the recommended load capacity for various SUV models as well.

With improved safety features and better labeling of an SUV's weight limit, motorists can decrease the risk of a rollover even further by making sure tires are properly inflated, according to Edmunds. Thanks to a greater number of cars coming equipped with tire pressure sensors, Edmunds says it's never been easier to know when air is needed.

The Insurance Institute for Highway Safety is constantly grading cars, awarding paragons of car safety with Top Safety Picks. This year, among large sport utility vehicles, four models earned the industry's highest honor—the Buick Enclave, Chevrolet Traverse, GMC Acadia and Volkswagen Touareg.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/with-higher-rollover-risk-automakers-improve-suv-safety-features-800541455.aspx Wed, 29 Jun 2011 13:11:29 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/children-dying-from-hot-cars-becoming-more-commonplace-800536142.aspx Hoping to increase car safety for parents and their child passengers, the National Highway Traffic Safety Administration revised some of its safety guidelines for child seats. Among the changes was the recommendation that children remain in rear-facing seats for as long as possible, rather than moving them up to the next type of seat once they turn a certain age.

But it's this rear-facing seat—suggested initially by the American Academy of Pediatrics—that can sometimes lead to a tragic accident.

According to the website Kids and Cars, a nonprofit organization started by Janette Fennell of Leawood, Kansas, rear-facing child seats have led to a number of heat stroke-related deaths among children because parents have forgotten they were in the vehicle.

It happened to a Blacksburg, Virginia, woman, who, in an interview with the Kansas City Star, related how on a hot summer day in 2007, she forgot her 23-month-old son had never been dropped off at the day care as she intended. It wasn't until she arrived at the day care after work to pick up her toddler she realized her mistake. Tragically, her son died from heat stroke.

The paper reported the woman, Mary Parks, was initially charged with manslaughter but the charges were eventually dropped.

Forty-nine children died in 2010 from hot cars

While it may seem hard to forget a child is in a vehicle, statistics gathered by Kids and Cars suggest it's more common than one might think. For instance, in 2010 alone, the website reports 49 children died of heat stroke—a record high.

"The biggest mistake people make is to think 'It couldn't happen to me,'" said Fennell. "Memory experts point out that if you've ever forgotten a pot left burning on the stove, you've seen how easy it is to have a dangerous memory lapse."

Five children have died from hot cars in 2011

The Kansas City Star reports already, there have been at least five children nationwide who have died from heat stroke after a parent or guardian forgot they were in the car, and the summer is only just beginning.

The paper reports Fennell has reached out to auto manufacturers numerous times, asking them to install sensors to alert parents if they've left a child in the car. Thus far, her efforts haven't yielded any results.

Visual cues can help

In the meantime, Fennell says on her website there are several things parents can do to make sure they don't forget about their children. These include putting something in the backseat that requires one to leave the driver's seat to retrieve; putting a visual reminder in view, such as a teddy bear; and getting into the habit of always checking the backseat before leaving a vehicle.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/children-dying-from-hot-cars-becoming-more-commonplace-800536142.aspx Wed, 22 Jun 2011 12:44:06 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/most-annoying-driver-traits-800535895.aspx Though driver's education courses teach motorists the correct ways to act when behind the wheel, the Chicago Tribune states many drivers don't abide by these taught rules and regulations. In turn, these drivers tend to cause headaches for those who do navigate the roads safely and effectively.

Talking on the phone

The chance of getting into an auto accident while talking on a cell phone is just as high as the risk of crashing from driving under the influence, the paper states.

In addition to accidents, mobile phone use poses another danger to other motorists, as they tend to lose focus on the road and swerve suddenly into other lanes, according to the newspaper.

Driving too fast in harsh conditions

Many drivers have been behind the wheel when another motorist is driving too close to them. This act can become even more dangerous if the road is slick and the weather is harsh, the Tribune states.

Operating a motor vehicle at lower speeds during severe weather is recommended by authorities, especially when heavy rains, snow and wind are causing visibility and steering issues.

But, the paper says there are some who don't abide by these unwritten rules and don't change their aggressive driving habits, regardless of the weather, presenting a danger to others.

Not cleaning snow off car

Though it may not affect how they drive, the newspaper says not clearing snow off one's vehicle could end up causing the car behind them to get into an accident.

In some cases, the Tribune states cars can even have their windshields shatter or tires blow out after snow falls from the car in front of them while traveling at considerable speeds.

Not using the turn signal

According to the newspaper, using a turn signal is one of the most basic things a driver should do. Failing to use proper signals when switching lanes may not seem like a big deal, but failure to do so could end up causing serious damage with one or multiple vehicles. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/most-annoying-driver-traits-800535895.aspx Wed, 22 Jun 2011 07:46:31 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/boat-safety-tips-to-remember-800533026.aspx As temperatures warm and the school year draws to a close, marine enthusiasts are gearing up for boat season. But no matter how knowledgeable boaters are about the open waters, the National Marine Manufacturers Association says everyone could use a few safety reminders.

Watch the weather

Chief among the safety advisories, according to the NMMA, is to check the weather before launching. This time of year, meteorologists often include weather reports about high and low tide and whether any storms are on the horizon. But NMMA says to use common sense as well. In short, if there are ominous clouds overhead, chances are a storm is brewing, making it a bad time to be out on the water.

Use common sense with high-traffic areas

Another area where the NMMA says boaters should practice common sense is in how they operate their boats. For instance, the source states mariners should be aware of highly trafficked areas, to avoid areas closed off to boat traffic and to always operate the vessel at a safe speed. Many waterways around the country have speed limits, so it's likely police officials will be enforcing these limits.

Steer clear of alcohol

Law enforcement may also be on the lookout for alcohol, which is why the NMMA says beer and other alcoholic beverages should not be brought aboard a vessel. NMMA says alcohol’s debilitating effects are worse for boat drivers, exacerbated by the wind and sun.

Make use of life jackets

Of course, life jackets aboard a boat can help prevent a drowning. However, every year there are many who drown after boat accidents, even though a life jacket was aboard the ship. This is why the NMMA says boaters should not only equip their vessels with life jackets, but actually wear them as well.

Those who are new to boating may have learned the importance of safety equipment through a boating course, which the NMMA recommends for everyone. Not only does a course give boaters a better handling of how to safely handle a watercraft, but successful completion may result in boat insurance savings for owners.

Boat industry on the rebound, despite high gas prices

While the boat industry has lagged somewhat in recent years due to the struggling economy, the NMMA expects 2011 to be a banner year for sales and boat participation. According to a report issued in April, NMMA says 75 million Americans participated in recreational boating last year—the highest number since 1999.

Some observers may suspect boat activity will be down this year due to gas prices, but the group says gas prices should not affect activity. A 2008 poll conducted by NMMA found boaters did not reduce their boat travel when gas prices averaged more than $4 per gallon. According to GasBuddy.com, the average cost for self-serve regular is $3.70.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/boat-safety-tips-to-remember-800533026.aspx Fri, 17 Jun 2011 13:17:19 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/top-jet-ski-safety-precautions-800532802.aspx While it is a summer favorite among those on vacation at the beach, riding Jet Skis can be dangerous if not taken seriously, according to CafeMom.

The website states there are certain rules which skiers should always remember to ensure safety.

Wear a life jacket

Though many don't want to wear life jackets while riding—CafeMom says some don't think they're stylish, while others don't like their bulkiness—they save lives.

Even if someone using a Jet Ski is with a large group and knows how to swim well, the website states it's imperative to put on a life jacket to ensure the chance of drowning is considerably reduced.

Use vehicle safety precautions

CafeMom states some models come with certain safety precautions already added. One common safety measure is a lanyard, which attaches from a rider's wrist to the handlebars of the craft. It is oftentimes referred to as a "kill cord," according to the site, which means should you fall, the engine for the watercraft shuts off automatically.

Without measures such as this, the website states the risk of an accident greatly increases. If a watercraft doesn't already come with safety measures, owners should look into purchasing their own.

Be alert

Though it may seem like common sense, CafeMom says staying aware and alert while riding a Jet Ski is important. It can be easy to become distracted while riding. Distractions, though, can lead to a number of potential hazards, such as crashing into boats, divers or others riding watercraft.

Just as in a car, the website states it's vital to keep hands on the wheel and eyes straight ahead. Also, similar to driving a vehicle, driver's education is key before getting onto the watercraft to understand the potential hazards.

No drinking and riding

Often, those riding Jet Skis during the summer are hanging out with friends and family on the beach. This sometimes includes alcohol. If one has consumed alcohol, though, CafeMom states they shouldn't be on the water.

The same risks exist for accidents to occur on the water as they do on the road, the website says. So while it may seem like no big deal to some to ride after a few beers, they should realize they are putting themselves and others in serious danger.

Don't showboat

Some riders think they can perform tricks while guiding the craft or even take their eyes away from the water in front of them. This reckless behavior can lead to unnecessary injuries for riders and others around them, CafeMom states. It's important to always be on guard when riding. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/top-jet-ski-safety-precautions-800532802.aspx Fri, 17 Jun 2011 09:37:04 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/hidden-spots-to-celebrate-independence-day-800532527.aspx As the coolers are dusted off and the potato salad is being prepared, some individuals may be searching for new destination for their annual Fourth of July celebration. Going to the same park or event every year may be a fun tradition, but the adventurous type may want to try their hand at a unique celebration.

New England

Up in Warren, Vermont, the "More Soil, Less Oil" banners line the streets during their annual holiday celebration. At the 62nd annual event visitors can see locals who have painted their bodies green and sing incredibly bad songs, according to Lonely Planet.

In an effort to get all Americans better acquainted with one another, the celebration includes the Great Buddy Badge Search. Once a donation is made at one of the town's gates, contestants will receive a numbered Buddy Badge. They then roam the streets of Warren trying to find their matching number, and the individual attached to it. Once the buddies have discovered one another, there is a mad dash to the gazebo in the center of town. Upon arrival, if they have not already been given away, buddies can win matching prizes, according to the town's website.

Just south of the Green Mountain State is another hidden gem in the small town of Hingham, Massachusetts. As the town commemorates its 375th birthday along with America, it will host the traditional fireworks and parade. However, the day will also include a red-white-and-blue concert and a vintage baseball game, Lonely Planet reports.

California

For West Coasters looking for a place to move their party, Alameda, California, may be just what they are looking for. Located next to Oakland, this town is home to the country's second-largest Fourth of July Parade, according to the source.

The Independence Day parade has 170 floats and 2,500 participants, while residents are known to cover their homes with flags and colorful decorations. It is said half of the town marches in the parade while the other half cheers them on, with everyone practicing holiday safety .

Texas

For a taste of Americana, Fort Worth, Texas' 33rd annual Willie Nelson 4th of July Picnic may be just the place to visit. Willie himself played a concert to thousands of fans last year and is poised to do it again, according to the Star-Telegram.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/hidden-spots-to-celebrate-independence-day-800532527.aspx Thu, 16 Jun 2011 17:29:59 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/identity-theft-can-be-around-any-corner-800531820.aspx As identity theft continues to grow, Americans are becoming increasingly cautious when it comes to giving out their personal information. Unfortunately, these types of crimes can happen where individuals least expect it, according to Edmunds.com.

A growing problem

Reports of identity theft have been increasing for more than 10 years, according to the federal government's Financial Crimes Enforcement Network. Identity theft filings jumped 123 percent from 2004 to 2009. In addition, 27 percent of victims said they knew the person who victimized them.

Risks are everywhere

When buying a new car consumers may not realize they are potentially opening up themselves to criminal activity. More often than not, car dealerships will require the potential buyer to include several different forms of personal information on an application or purchase agreement, according to Edmunds.com.

Having all of that information in one spot is a gold mine to potential thieves. The more knowledge they can gather about an individual, the easier it may be. There have been reported cases all across the country of criminals using stolen information to open credit cards, purchase cellphones and, in some cases, even buy luxury vehicles.

"Information is the new currency; it has tremendous value," Bruce Townsend, assistant deputy director at the U.S. Secret Service, the federal agency which investigates financial crimes, including identity theft, told the media outlet. "There are people who pay thousands of dollars for this type of information."

Keep a close eye on wallets and purses

An individual's identity is not only at risk of being stolen when provided in written form. If a thief breaks into a car with a wallet or a purse inside, this can be just as damaging. Most of the personal information criminals need for a loan application is contained within a wallet, with the exception of a social security card, in some cases.

Americans who carry around more personal information than they need may be opening themselves up to unnecessary risk. Social Security cards and birth certificates should be kept somewhere secure, either in the home or in a safety deposit box.

"If you have your Social Security number on your driver’s license, get it changed right away," Linda Foley, co-executive director of the Identity Theft Resource Center in San Diego, told Edmunds.com.

Be overly cautious

Being diligent about personal finances and information can help protect consumers from becoming victims. For individuals who bank online, checking their account once a week can bring attention to unauthorized charges before they get out of hand. Customers who receive paper statements should carefully review and then shred them.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/identity-theft-can-be-around-any-corner-800531820.aspx Thu, 16 Jun 2011 10:48:35 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-spare-tire-may-soon-be-a-thing-of-the-past-800531812.aspx Many automakers are opting not to include a spare tire in their new models, according to USA Today. As gas prices remain high, and consumers want vehicles which can reach an optimal gas mileage potential, getting rid of excess weight seemed a logical step.

Why lose the spare tire?

General Motors did not include a spare in its new Chevrolet Cruze, which allowed them to reduce the car's weight by 26 pounds, the media outlet reports. GM says this reduction significantly helps the eco-friendly Cruze get 42 miles per gallon.

"Getting rid of something as important as the spare tire wasn't a decision we made lightly," Terry Connolly, GM director of tire and wheel systems, told USA Today. "The universal implementation of tire pressure monitoring systems over the past five years has significantly reduced the likelihood that a flat tire will leave you stranded."

What if I get a flat?

While this reduction in weight may be advantageous to drivers concerned about gas mileage, others may still want the safety net of a spare tire. Instead of carrying around the added weight, manufacturers have produced run-flat tires, according to TireRack.com.

The run-flat tire system uses a unique combination of wheels and tires to prevent wheels from losing their stability. In the event of a flat, the tire's tread will rest on a support ring attached to the wheel when the tire loses pressure, the site reports. This system allows the run flat capability of the car to be shifted onto the wheel which does not wear out as quickly. It also minimizes the pressure and responsibility of the tire.

Run-flat tires allow drivers to travel more than 100 miles in order to find a repair shop, or make it home safely, according to Edmunds.com.

With advancement comes expense

The major drawback to the run flat system is the unique wheels will not work with regular tires. They require a tire with a lower volume, which can make the system more expensive than simply replacing a tire.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-spare-tire-may-soon-be-a-thing-of-the-past-800531812.aspx Thu, 16 Jun 2011 10:37:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/run-flat-tires-offer-solutions-and-concerns-800531797.aspx Being stuck on the side of the road with a flat tire can be frightening. For those who dread the idea of dragging the car jack out of the truck, or waiting for roadside assistance, run-flat tires may be a useful option, according to Edmunds.com.

Why give up the spare?

Run-flat tires can enable the driver to travel up to 100 miles after a puncture or loss of air pressure, allowing for a safe return home or to the mechanic, the media outlet reports. However,, drivers should keep their speed around 50 miles per hour to achieve that range. Changing a tire on the side of the road can be dangerous, even deadly, and these new options can help take this threat out of the equation, Consumer Reports has found.

There are currently two types of zero-pressure tires on the market, with self-supporting tires being the most common. These are the original run-flat models which have heavily reinforced sidewalls which support the vehicle once the air has been evacuated. This type of tire can fit on normal wheels without any modifications, Edmunds.com reports.

The new run-flat option available is Michelin's PAX. These tires have less rigid sidewalls than the original SSTs but contain a support ring inside the tire that supports the car when the air is gone. These tires also require a bead design where the wheel and tire meet, which is not standard and may require special installation, according to the news source.

Issues with run-flat tires

One problem associated with stiffer sidewalls is the fact the tires do not look flat to the human eye. This can cause drivers to forget about checking their tire pressure on a regular basis. To combat this problem, tire-pressure monitoring systems have become mandatory when run-flat systems are being used.

These tires may not allow for better stability compared to a spare, but they can help eliminate extra weight and improve gas mileage. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/run-flat-tires-offer-solutions-and-concerns-800531797.aspx Thu, 16 Jun 2011 10:16:16 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/biofuels-may-help-solve-the-worlds-oil-crisis-800531763.aspx Oil prices continue to fluctuate as the Middle East remains in a state of unrest and carmakers scramble to discover fuel-efficient alternatives. Biofuels are not new to the world. In fact Henry Ford planned to use ethanol in his Model Ts, according to National Geographic.

Fossil fuels stunted biofuel growth

Biofuel development as a fuel resource was stunted after the discovery of gasoline and diesel, which are a subset of biofuels known as fossil fuels. The large petroleum deposits of fossil fuels across the globe made it possible to keep prices of these fuels at an affordable cost, until now.

As deposits have dried up, and the world has become more concerned with pollution from these fuels, the interest in eco friendly biofuels has been reignited, the source reports.

Search for renewable energy

While fossil fuels are made from decomposed plants and animals that have fossilized, biofuels are made of plants grown today. Biofuels are a renewable resource and experts believe they are less damaging to the environment, according to the Chicago Tribune.

A large portion of the gasoline used in the U.S. is already mixed with ethanol, which is the same alcohol compound in beverages. To make a biofuel, scientists use chemical reactions, fermentation and heat to break down the starches and sugars. What is leftover is refined into a fuel source.

While countries such as Brazil have been turning sugarcane in ethanol for decades and have cars that run solely on this fuel, experts worry growing crops for fuel may not be sustainable, according to National Geographic.

Reducing food supply not practical solution

Cars emit carbon dioxide, which is one of the main causes of global warming. Eliminating this pollutant would ideally reduce this problem, but some of the crops grown for alternative fuels also suck up carbon from the air. Therefore, eliminating them for the production of biofuels could actually increase pollution.

In addition to eliminating a natural pollutant reducer, using a food such as corn could diminish the world's food supply in a time when global hunger is an international crisis. The Global Hunger Index found the number of hungry people surpassed one billion in 2009, according to the International Food Policy Research Institute.

Alternative methods to develop biofuels

Instead of using food to develop biofuels, many believe grass and saplings may hold the key to future developments, National Geographic reports. Also, a plant previously thought of as a predator may be a huge biofuel discovery, the Washington Times reports.

The Jatropha curcas, a poisonous shrub, produces seeds with what oil experts believe is an ideal biofuel, according to the news outlet. One company that develops oil out of this shrub maintains it can produce refined Jatropha oil at $40 to $50 a barrel. Crude oil is currently selling for $100 to $120 a barrel.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/biofuels-may-help-solve-the-worlds-oil-crisis-800531763.aspx Thu, 16 Jun 2011 09:48:49 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-to-look-for-in-a-rearview-camera-800530053.aspx Though not as common as an auto accident on the road, driveway incidents are also frequent, according to Edmunds.com. The main victims of these accidents are children at play.

Edmunds says these incidents can be avoided if more drivers install rearview cameras in their vehicles, which can alert them of activity in their blind spots.

While many newer models have these cameras already installed, numerous drivers don't have the device in their older-model cars. Adding one, Edmunds states, might be the difference between life and death.

Camera features

Two different types of camera sensor technologies are available to car owners, according to the source—charge coupled devices (CCD) and complementary metal oxide semiconductors (CMOS).

Edmunds says cameras with CMOS sensors are generally less expensive than those with CCD sensors. However, they have lower image resolution and less light sensitivity. To see everything behind a car completely and clearly, the CCD may be the best choice.

Also, the source says car owners looking for back-up cameras should consider the angle of view a camera provides, as well as night vision capabilities.

Popular models

Vehicles manufactured without back-up cameras can have a number of different camera types installed, the source states.

A popular exterior camera is Pyle's PLCMB20, which costs around $100, according to Edmunds. It's an exterior camera with weatherproof housing, LED lights and an adjustable anti-glare shield. The device allows drivers to view a 170-degree angle, and is often mounted on a car's bumper.

Visor View offers another exterior model, the source says, called the SJR-317A CCD. It's a bullet-style camera and is usually installed in a vehicle's rear by drilling a hole.

A popular place to put a rearview camera is around the license plate. Edmunds states the VTL375 CCD camera from Boyo Vision—around $260—can be installed with ease and provides drivers a wide-angle view behind them.

Remember to still look

While back-up cameras can be useful tools to help motorists avoid hitting young children and other obstructions, Edmunds says it shouldn't stop drivers from always looking behind them when backing up.

In addition to avoiding hitting pedestrians, ensuring one doesn't scuff a sidewalk or drive over a large object should also be a concern, as substantial damage could lead to an auto insurance claim. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-to-look-for-in-a-rearview-camera-800530053.aspx Tue, 14 Jun 2011 13:39:19 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/bmw-to-launch-anti-texting-advertising-campaign-800530034.aspx In an effort to curb distracted driving and enhance car safety, German automaker BMW has launched an advertising campaign dramatically illustrating the dangers of texting while driving.

While the campaign, called 'DON'T TXT & DRIVE', will take place through both electronic and print media, BMW's 30-second television commercial is particularly poignant. It features a mother who goes to great lengths to keep her kids safe—disinfecting their hands with cleanser, strapping on helmets and knee pads before they go out to ride their bikes, even equipping her children's arms with floaties while giving them a bath.

'Stay focused on safety'

It then shows the mother driving in her car with her children in the backseat. While both she and they are buckled, she grabs her cellphone as soon as she receives a text. Just as the commercial comes to an end, viewers see a car barreling toward the side of the mother's vehicle, who is oblivious to the fact she just drove through a stop sign. The commercial closes with the words 'Stay focused on safety.'

Pleased BMW has launched the anti-texting campaign, Department of Transportation Secretary Ray LaHood has reached out to several automakers, asking them to take similar steps to make texting while driving less commonplace.

For instance, in an interview with the Wall Street Journal, LaHood said he's asked auto manufacturers to make it harder for drivers to use devices that can access social media networks.

Transportation secretary reaching out to many automakers

"There's absolutely no reason for any person to download their Facebook into the car," said LaHood. "It's not necessary."

So far, the paper reports, BMW and Subaru are working with the government to diminish the practice, which LaHood recognizes will not be easy.

"We know people are hooked on cellphones and texting devices," LaHood told the newspaper.

Meanwhile, several states have passed laws banning texting while driving. According to the National Highway Traffic Safety Administration, Maine recently became the 33rd state to ban texting while driving. Maine motorists who are caught texting at the wheel face fines of at least $100.

States where bans are in place have reported varying degrees of success in curbing texting while driving. Based on a study performed in 2010 of Connecticut and New York drivers, texting while driving has dropped 68 percent in Hartford and 42 percent in Syracuse.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/bmw-to-launch-anti-texting-advertising-campaign-800530034.aspx Tue, 14 Jun 2011 13:21:07 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/behaviors-that-can-curb-road-rage-800529095.aspx Road rage is defined by the Oxford American Dictionary as "violent anger caused by the stress and frustration involved in driving a motor vehicle in difficult conditions." It's something virtually every driver has experienced, whether as the recipient or the instigator.

While most of the scenarios in which aggressive driving manifests itself tend to be petty or insignificant, the effects are anything but. According to the National Highway Traffic Safety Administration, 66 percent of all traffic fatalities are caused by aggressive driving actions, such as tailgating or running a red light. Since 1990, there has been a 51 percent increase in aggressive driving.

To help motorists identify scenarios in which road rage might present itself, Edmunds.com recently put together some suggestions that may help motorists avoid an accident.

What to do when a motorist cuts another driver off

Edmunds.com says one of the more common sources of road rage is when a motorist cuts another driver off. The reaction from the cut-off driver is often to tailgate that person. Not only could this result in an accident, but the website says the other driver may slam on their brakes intentionally, which may lead to an accident and ensuing auto insurance premium hikes for the driver who was following too closely. Instead of tailgating, Edmunds.com says to take a deep breath and maintain a safe distance—however difficult it may be.

What do when someone is driving recklessly

Another potential scenario for road rage is when an inattentive driver swerves into another person's lane, nearly causing an accident, but is oblivious to the fact they're driving recklessly. Edmunds.com says this is one area where it's perfectly reasonable to use one's horn. But instead of laying on the horn and glaring at the driver, the website says it's far better to give the horn an assertive push and then safely move to another lane to avoid an accident.

Let the driver in

Finally, the website says drivers stuck in a traffic jam will often refuse to allow another car to enter their lane. As difficult as it may be, Edmunds.com says instead of getting angry and refusing to allow entry, it's much better to let the driver take the space.

Road rage has become so prevalent several states have implemented aggressive driving enforcement programs. According to the NHTSA, Florida, Massachusetts, New Mexico, Texas, Oklahoma, Maryland, Arizona, Ohio and Colorado all have aggressive driving enforcement programs in place.

Police officers use both marked and unmarked patrol vehicles in highly trafficked parts of the state and pull motorists over if they're demonstrating driving behavior indicative of road rage. In Massachusetts, the NHTSA says drivers who are cited for aggressive driving three times in three years may have their license suspended and be required to undergo anger management counseling.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/behaviors-that-can-curb-road-rage-800529095.aspx Mon, 13 Jun 2011 13:14:10 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/small-vehicles-some-of-the-safest-on-the-road-800525797.aspx Whether it's for convenience or to save on gas, recent sales figures suggest more shoppers are buying smaller vehicles. But some motorists may fear they're sacrificing vehicle safety for practicality.

New safety tests, however, indicate some small vehicles are among the safest ones on the road.

Last month, the Insurance Institute for Highway Safety released the findings from crash safety tests of small vehicles with model years of 2011 and 2012. Of the 29 vehicles tested, 20 of them received the IIHS' most sought after designation—Top Safety Pick.

'Small-car safety is improving'

In a telephone interview with the New York Times, David Zuby, the IIHS' chief research officer, said auto manufacturers are clearly putting a greater priority on the safety of vehicles.

"The bottom line is that small-car safety is improving," said Zuby. "Many of the most fuel-efficient cars that are available today are now available with very high levels of crash protection, which wasn’t the case a few years ago."

Fuel-efficient models among those given IIHS' Top Safety Pick

Several fuel-efficient models were awarded IIHS' top safety pick, including the 2011 Hyundai Elantra and Nissan Juke, and the 2012 Ford Focus and Honda Civic. IIHS considers cars to be 'fuel-efficient' if they have an EPA fuel economy rating of at least 40 miles per gallon on the highway.

To earn a Top Safety Pick designation, vehicles must perform 'good' in frontal, rear, side and rollover crash tests. A rating of 'marginal' or 'acceptable' in any test will prevent it from receiving that coveted designation.

While nine of the 29 small vehicles tested were not classified as a Top Safety Pick, none of the models received a 'poor' grade in any test. The worst grade handed down was marginal, with the 2011 Dodge Caliber, Chevrolet HHR and Suzuki SX4 receiving at least one of the four crash tests performed.

Some older Prius models recalled

Meanwhile, as car manufacturers and hybrid vehicle owners celebrate their cars' safety designation, an older version of the Toyota Prius is being recalled. In a press release issued on June 1, Toyota announced 106,000 Prius vehicles made between 2001 and 2003 were being recalled due to a problem with the power steering pinion shaft. The auto manufacturer said the fix should take approximately four hours to repair and owners will be notified by first-class mail in July if their car is included.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/small-vehicles-some-of-the-safest-on-the-road-800525797.aspx Wed, 08 Jun 2011 12:56:51 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/more-motorcyclists-shopping-for-helmets-online-800525497.aspx According to the J.D. Power and Associates 2011 U.S. Motorcycle Helmet Satisfaction Study, 23 percent of owners bought their helmets online.

"While the dealership is still the main source for a majority of helmets purchased, it's clear that customers are continuing to shift to the online channel to purchase their motorcycle helmets," said Brent Gruber, senior manager of the powersports practice at J.D. Power and Associates.

This number is a significant increase from 2002 when a mere 4 percent of riders purchased their motorcycle riding gear through an online carrier, according to the report. It is also a 3 percent increase over last year's figures.

"The percentage of helmets purchased online has increased steadily during the past 10 years. As a result, it's crucial to ensure that dealers have an e-commerce website available for customer use as their preferences change," said Gruber.

More information allows for easier shopping

The appeal of the traditional in-store purchase has seemingly dwindled as there are more thorough descriptions and measurements available for potential consumers on the Internet, according to the Wall Street Journal. However, experts recommend people with unusually shaped heads continue to shop the old-fashioned way, ensuring they will have the ability to try on different options.

The study identified some key trends in the helmet industry as well. Satisfaction in the industry has improved across the board, reaching its highest level since the study began in 1999, according to J.D. Power and Associates. Prices have remained consistent over the past five years, averaging approximately $200 a piece.

What are riders looking for?

The study also measured overall helmet satisfaction in 11 separate attributes. These areas included: quietness, ventilation, de-fogging performance, color, weight, ease of strap, fit and comfort, according to the report.

There was no clear winner as Aria, which ranked highest in customer satisfaction for the 13th consecutive year, tied with Icon for overall performance. Each helmet company performed individually well in separate areas the study found. Not to be outdone, Shoei runs a close third in the rankings, and is praised for the ease with which owners can replace the face shield on their products. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/more-motorcyclists-shopping-for-helmets-online-800525497.aspx Wed, 08 Jun 2011 07:59:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safety-tips-for-the-4th-of-july-holiday-800524820.aspx Summer is fast approaching and holiday revelers are looking forward to Independence Day.

The American Red Cross wants to make sure everyone celebrates America's birth as safely as possible by providing revelers with some holiday safety tips.

Driving safely

Similar to Memorial Day, the Fourth of July is a prime time for motorists taking to the streets as they attend barbecues, picnics and firework displays. The Red Cross says people can ensure they get to their destinations safely by adhering to basic traffic safety standards, such as obeying the speed limit, designating a driver if celebrations involve alcohol, and buckling up. Driving while intoxicated is particularly prevalent on the Fourth of July, as the National Highway Traffic Safety Administration says it's routinely the holiday on which alcohol-related fatalities occur most frequently.

The Red Cross states it may also be a good idea for motorists to inform friends and family of travel plans so they can send help in an emergency.

Tips for safe grilling

According to the U.S. Census Bureau, 150 million hot dogs will be consumed on the Fourth of July. This as a good indication many motorists will be driving to cookouts. The Red Cross says a couple of things should be avoided at cookouts, even by the most seasoned of grilling professionals. These include adding starter fluid to coals that have already been ignited or walking away from the grill while the steaks, burgers or chicken wings are cooking.

Ending the day with a safe fireworks display

If numbers from the Census Bureau are any indication, fireworks worth millions of dollars will be set off all around the country. Some families may want to do their own show. If so, the Red Cross advises people to only light one firework at a time, not to re-light a firework's fuse if it doesn't 'take off' on the first attempt and to keep a supply of water nearby as a precautionary measure.

Should holiday revelers be attending a professional fireworks show, the Red Cross says observers should be at least 500 feet away from the launch point.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safety-tips-for-the-4th-of-july-holiday-800524820.aspx Tue, 07 Jun 2011 13:48:33 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/changes-in-traffic-laws-may-be-leading-to-fewer-deaths-800519353.aspx In April, the National Highway Traffic Safety Administration released a report that surely came as welcome news to all drivers: traffic fatalities last year fell to an all-time record low.

In a statement, U.S. Transportation Secretary Ray LaHood attributed the drop to an array of factors, including car safety enhancements implemented by automakers, greater enforcement against impaired driving and increased seat belt use.

But something else may have led to fewer traffic-related fatalities: more stringent traffic safety today as compared to 40 years ago.

What was OK yesterday may be illegal today

In a recent article, the Boston Globe stated some actions that were legal at one time in Massachusetts are now considered illegal. For instance, if a vehicle is the second one in line at a traffic stop, they must come to a complete stop before entering traffic once they’re the first in line.

Citing Massachusetts General Laws, the paper said state law requires all vehicles approaching a stop sign or flashing red light to come to a complete stop at the marked line. But even if a line doesn't exist, a driver must still come to rest before it enters traffic.

However, as a local driving instructor told the paper, cars second in line at a traffic stop could enter traffic without coming to a complete stop back in the 1960s and 1970s.

"That was the law many years ago," said Fred Garber, who runs his own driving school in a suburb of Boston. "I think you could have a chain of up to three cars go through."

Seat belt use has increased through awareness and enforcement

As LaHood mentioned, increased use of seat belts has also led to fewer fatalities. But once again, enhancements in traffic safety laws may play a large role.

For the past several years, numerous states have participated in the NHTSA's 'Click It or Ticket' campaign. Most states require motorists to wear a seat belt, but during the week-long campaign, police officers step up enforcement, giving out tickets to drivers and passengers not wearing a seat belt.

Greater seat belt enforcement has paid off, according to the NHTSA, as an estimated 12,713 lives were saved in 2009 as a result of passengers wearing their seat belts.

But some state regulators have taken—or are considering taking—seat belt laws one step further by requiring motorists to ride with not only a lap band but a shoulder strap as well.

For example, the Boston Globe says lawmakers in Massachusetts are considering legislation that would allow police officers to pull over vehicle operators if their seat belts are not "properly adjusted and fastened." The paper reports the current statute in Massachusetts says seat belts must be worn as they're intended, but because the law is secondary and not primary, police officers can't pull people over only for not wearing their seat belts properly.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/changes-in-traffic-laws-may-be-leading-to-fewer-deaths-800519353.aspx Tue, 31 May 2011 14:14:46 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/car-seats-often-improperly-installed-800519160.aspx The National Highway Traffic Safety Administration and American Academy of Pediatrics issued new child safety seat  guidelines to help keep children safer on the road.

The changes

The new guidelines suggest parents keep children in rear-facing seats until they are two-years old, although height and weight recommendations may vary by manufacturer. The previous policy advised parents to put children in front-facing seats when they turn 12 months old and weigh at least 20 pounds, according to the NHTSA.

The changes also indicated children should be in booster seats until they are four feet nine inches tall and are between the ages of eight and 12. Experts also believe children should only sit in the backseat until they are at least 13 years old.

Why make changes?

These suggested changes were made based on new research, Edmunds.com reports. In a 2007 study researchers found children under two are less likely to die or be severely hurt in a car accident if they are in a rear-facing seat. However, the recommendations will not be the same for every child as they will naturally vary in weight and height.

Installing seats correctly

Another major problem with car seats is that they are often not properly installed, the site reports. More than 80 percent of car seats are installed incorrectly, according to Safe Kids USA. Safe Kids is a non-profit organization which tries to eliminate preventable childhood injuries.

"We hardly ever see one done right," Lauren Farrah, coordinator at Safe Kids Oklahoma, told The Oklahoman newspaper.

Motor vehicle injuries are the number one cause of death for children in the United States, the Centers for Disease Control and Prevention reports. An NHTSA study found only 26.9 percent of parents installed car seats correctly, meaning three out of four people need help. Experts say the most important thing to remember about car seats is that the right car seat to use is the one which fits the child and the car.

What kind of seats are there?

Child seats come in two different seat systems—the lower anchors and tethers for children (LATCH) system and the seat belt system, according to Edmunds.com. Either one can be used in the United States.

"Both the LATCH system and the seatbelt system work equally well," Lorrie Walker, the training manager and technical advisor for Safe Kids Worldwide, told the news source.

Experts say LATCH was introduced to make it easier for parents to get it right, but mistakes are made with both.

Installing

Many may ask if it makes more sense to hire a professional to install the seat or if they should do it themselves. There are videos online parents can find if they need help, according to the site. Sometimes when buying a new car, the salesperson may also be able to help. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/car-seats-often-improperly-installed-800519160.aspx Tue, 31 May 2011 12:18:50 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-an-enjoyable-valet-experience-800517392.aspx Many people may be concerned with handing over their keys to a valet car driver, and rightfully so, according to Edmunds.com. After all, there is a special valet key for many cars which does not allow access to the trunk, or glove compartment. This key will only allow people to unlock and start the car. It typically looks like a stripped down version of the regular key. If the vehicle uses a remote key, the valet version is usually just a key with no remote.

The website conducted an in-depth interview with a former valet driver and discovered some unsettling facts.

Valet employment histories

According to the unnamed driver, parking valets fall into three general categories: students who want a flexible job, people working nights as a second job, or individuals who may not be able to hold down any other type of job. The latter, he says, are the most likely to hit poles in parking lots, lose keys and disrespect customers, Edmunds.com reports.

Some companies will require their drivers take reading and math tests, provide a seven-year driving record, and submit to credit and background checks. Other companies may only ask for a high school diploma. There are a few that do not even check to see if their employees have a valid license, the site reports.

After an accident report, FOX News discovered some valet drivers were actually drag racing customer's cars. Any damages incurred would presumably be covered by the valet company’s car insurance provider.

Getting the best valet service

Valet parking is a service job, like bartending or waitressing, so employees make the majority of their money through tips, according to Edmunds.com. People who wait to give the driver money until after they have returned may not receive the same quality of service as the customer who tips up front.

While dings and scrapes are bound to happen, the most common valet mistake is misplacing keys, the site reports. This can happen due to a number of factors. If a ticket is not placed on the keychain, it is incorrectly placed on the board, it gets ripped, or the customer loses the ticket, the valet may not have any idea which car actually belongs to the customer.

One thing that bothers valet drivers is when customers do not alert them to a car’s quirks, according to the news source. This could include complex security systems or gullwing doors. Valets also dislike vehicles with strong odors.

Overall, valet drivers just want to be treated with respect, the site reports.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-an-enjoyable-valet-experience-800517392.aspx Fri, 27 May 2011 08:15:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-keep-dogs-from-biting-800516678.aspx Canines have long been considered man's best friend, as pooches are so often the first to meet homeowners after a long day at work. But as a new report indicates, dogs often bite their best buds.

For instance, according to statistics compiled by the American Veterinary Medical Association, 4.7 million people are bitten by dogs every year in the U.S. alone, 800,000 of these bites require medical attention. Two of the two most common dog-bite victims are senior citizens and children.

The AVMA is working to inform pet lovers that accidents happen but there are ways to prevent them from occurring.

Work on keeping your dog's temperament calm

For example, the AVMA says a dog's temperament is largely dictated by how it's treated in its early years. Therefore, the group recommends gradually introducing a puppy to others so it feels at ease when approached.

However, the group says the kind of people who approach the pooch can have an adverse effect, so owners should keep their puppy away from individuals who may threaten, scare or intimidate it.

Take your dog on walks regularly

Traditional dog-ownership activities can also keep a dog's temperament relaxed. Thus, the group advises owners to commit themselves to walking and exercising their dogs regularly, as this will not only keep them physically healthy but mentally relaxed as well.

Play is another crucial element to a dog's mental well-being. However, AVMA says the games played with a pet should not be ones which lead it to bear its teeth and become overly excited.

Other bite-preventing measures include installing a fence, using a leash in public places and teaching children who may not know how to handle themselves around a dog.

Dog bite claims have fallen, but costs have risen

If more people adhere to these preventive steps, perhaps fewer dog bites will result. According to the Insurance Information Institute, the number of people making claims to home insurance companies for dog bites has dropped nearly 7 percent over the past seven years, but the cost of treating them has steadily increased.

For instance, the III reports the average medical cost per claim for a dog bite in 2003 was $19,162. Last year, it was $26,166—a 36 percent jump. Jeanne Salvatore, senior vice president and consumer spokesperson for the III, attributes the rise to several factors, including rising medical costs, the size of lawsuit settlements and larger jury awards given to plaintiffs.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-keep-dogs-from-biting-800516678.aspx Thu, 26 May 2011 13:23:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/officials-urge-caution-during-home-safety-month-800515229.aspx The Home Safety Council is using the month of June to educate and empower families and businesses in ways to prevent home emergencies. Injuries in the home account for 21 million medical visits per year, according to the council.

"We hope to bring attention to the serious problem of preventable home injuries and its leading causes: slips and falls, poisonings, and fires and burns," says Meri-K Appy, president of the Home Safety Council. "Just a few simple steps can dramatically reduce the dangers in most homes and may even make a lifesaving difference."

Every year, 2,096 children under 14 die from a home injury, according to Safe Kids USA. The leading causes of death are fires, suffocation and drowning. Of the 2,300 children who died from unintentional injuries in 2004, 80 percent were under the age of four.

Suffocation

Almost 500 children suffocated in the home, 90 percent of which were under four. An additional 340 children died in or around their home and 160 choked to death, according to the site.

Coins, latex balloons and hard round foods, such as peanuts, can pose choking hazards to children. Young children should be placed on their backs when sleeping. Pillows, comforters and toys should not remain in the crib.

Fires

More than 610 children died from fires and burns in 2004, Safe Kids reports. In an effort to lower the number of fire-related deaths, the Home Safety Council recommends holding fire drills and ensuring all fire alarms are working. If a person is cooking food, they should stay close to the stove or oven at all times.

The council also recommends keeping space heaters three feet away from anything flammable, and turning them off when leaving a room or going to bed.

Falls

Another major cause of unintentional injuries for children under 14 is falls, according to Safe Kids. Approximately 50 children die every year from fall-related injuries, and more than 2.3 million injuries from falls are reported. Roughly 12 children are killed and 4,000 children under 10 are hurt annually from falling out a window.

There are a number of ways to prevent falls in the home, including installing grab bars in the bathtub and shower. Parents are encouraged to use baby gates at the top and bottom of stairs if babies or toddlers are around, according to the council. Making sure there are lights over steps and stairs can also help reduce home emergencies.

Poison

Poison is another major danger to children in the home, Safe Kids reports. Roughly 80 children died from poisoning in 2004, and 60 percent were under the age of four. In order to prevent poisonings, the council recommends people lock cleaners, medications and any dangerous items in an area that children cannot access. Also, cleaners should be kept in their original containers and not mixed. If anyone ingests poison, the Poison Control Center should be contacted immediately.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/officials-urge-caution-during-home-safety-month-800515229.aspx Wed, 25 May 2011 08:12:40 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/car-thief-comes-clean-800514506.aspx When a thief steals someone's vehicle, they leave behind a bevy of questions for the victim. "Why would they steal my car?" "How did they steal it?" and "What was their motivation?". A former car thief may help answer some of those questions.

In a rare interview, Edmunds.com spoke with a man who used to break into cars with regularity. Though he didn't divulge his name—Edmunds.com refers to him under the alias 'Gary Sousa'—he did describe some of his secrets, detailing how easy it was for him to prey on unsuspecting motorists, and why he originally began stealing cars

Thief: 'I did whatever it took to get money'

Sousa told the source the primary reason he started stealing cars was to make money, much of which was used to supplement his drug habit.

"I did whatever it took to get money," Sousa said. “Car thieves like to talk about their business; they think it's cool, so most new thieves get their knowledge and tools from other criminals.

Stealing cars was easy

Sousa said one of the biggest surprises to him was how easy it was. Whether it was at dealerships or at convenience stores, he told Edmunds.com how often he found car doors unlocked with keys inside.

"Hang around at a gas station and you're bound to see someone jump out of their car, leave the key in the ignition and run into the cashier or the mini mart," Sousa told the automotive website.

But even when a key wasn't nearby, he rarely had a problem starting the vehicle, telling the website some cars made by GM and Ford could be started with a pair of scissors or a screwdriver.

Honda a frequent target of car thieves

Foreign-made cars were also vulnerable, according to Sousa, particularly ones made by Honda.

"Hondas, Acuras and GMCs before the year 2000 are the easiest to take," said Sousa. "I always went after Hondas."

Apparently, he wasn't alone. According to a LoJack vehicle theft recovery report released in April, Honda vehicles are among the more common cars stolen throughout the country. In 2009 and 2010, the report found the Honda Civic and Accord were the two most frequently pilfered automobiles.

While the comprehensive portion of a motorist's auto insurance policy protects them from theft, it's still a significant trauma. The National Insurance Crime Bureau says there are a number of ways to keep thieves away, such as equipping a vehicle with a visible alarm device, parking in a well-lit area whenever possible and buying a tool that prevents thieves from being able to start a car without the keys. The NICB says fuse cut-offs, kill switches and smart keys serve as examples.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/car-thief-comes-clean-800514506.aspx Tue, 24 May 2011 13:35:10 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/understanding-the-differences-between-awd-4wd-and-4x4-800513183.aspx For people looking to buy a new car, comparing the features offered by different vehicles is a major part of the process. However, there are a number of vehicle-specific terms which can make it difficult to actually compare features side-by-side.

For cars with rear-wheel or front-wheel drive, the comparisons are fairly simple. But some vehicles are also advertised as all-wheel drive, four-wheel drive, or 4x4, which may all seem like the same thing.

Actual differences uncertain

While there are differences between the designs, no actual legal definition exists for any of them, says Detroit Free Press columnist Mark Phelan.

The Society of Automotive Engineers, which sets definitions for these types of standards, doesn't even use terms such as four-wheel drive or 4x4, meaning carmakers can advertise them as whichever one they want. At first glance, that would mean the all-wheel drive featured on some passenger vehicles might seem similar to that on a pickup truck, but that is not the case.

Key factor is transfer case

The key difference between lighter four-wheel drives and more heavy-duty ones, Phelan says, is a two-speed transfer case. In true four-wheel drive vehicles, the engine's power goes through its drive axles and a two-speed transfer case, which can shift the vehicle into a four-wheel low mode. In off-road situations, such as driving through heavy mud, downshifting the engine allows the vehicle to pull out of deeper holes. All-wheel drive still involves all four of the vehicles' wheels, but there is no low setting for difficult terrain.

AutoTrader adds many of the all-wheel drive systems currently featured on crossover and passenger cars lean more toward front-wheel drive, much like the front-wheel drive vehicles most of them are based on. By contrast, heavier four-wheel drive vehicles, by default, generally send more power to the rear wheels.

The choice between the two, Phelan says, should hinge on drivers' preferences and driving habits. If they want to take a vehicle off-road, then they should look for a two-speed transfer case. Otherwise, a lighter drivetrain should still be sufficient and provide additional grip for those who driving entirely over paved roads.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/understanding-the-differences-between-awd-4wd-and-4x4-800513183.aspx Mon, 23 May 2011 08:34:08 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/automotive-website-details-the-most-common-fixes-failures-800509263.aspx Anyone who drives has likely seen the dreaded “check engine” light.

When the “check engine” indicator glows, it can be a source of frustration as it tells the driver there's a problem and car repair is needed. And from a faulty spark plug to a loose fan belt, the ultimate issue could be almost anything.

But as a recent report from CarMD.com discovered, some fixes are more common than others.

The automotive website—whose stated aim is to help consumers make more informed decisions about vehicle maintenance—published its first Vehicle Health Index. With reams of information of repair and reliability problems on car models dating back to 1996, CarsMD.com narrowed down the most common maintenance problems motorists experienced last year.

Faulty oxygen sensor the most common fix

Most common were issues related to the car's durability, as issues like replacing oxygen sensors, catalytic converters, mass air flow sensors, and spark plugs accounted for approximately 80 percent of the automotive repairs. But for individual problems, replacing the oxygen sensor was the most common issue in 2010 at 9 percent.

Misfires are a frequent failure

In addition to fixes, the study also looked into common engine failures, like the coolant thermostat no longer working or a leak forming in the evaporative emissions system. At nearly 14 percent of repairs, the most common failure was a misfire, which the website says is one of the most severe failures a car's engine can experience. CarMD.com says a misfire is an issue people should never ignore, making the "check engine" indicator all the more important to heed.

Southwesterners spend the most on car fixes

Of course, fixing these problems costs motorists money, and the study found drivers in certain parts of the country are paying more than in others. For instance, at an average of $341, Southwesterners paid the highest average cost for “check engine” light repairs between 1996 and 2010. People living in the Northeast also paid quite a bit to fix their cars, averaging $310. Those in the Midwest paid the least amount at $294.

This study may serve as a reminder for people in the car buying market to set money aside for repair costs, so a flashing "check engine" light won't cause as much financial strain.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/automotive-website-details-the-most-common-fixes-failures-800509263.aspx Tue, 17 May 2011 13:21:59 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/multitasking-behind-the-wheel-an-epidemic-800508347.aspx In the working world, the ability to multitask is viewed as something of a virtue. In fact, employers value the ability so much it may be listed as a requirement when companies advertise job postings.

But when people are behind the wheel, driving safety experts agree multitasking can be a vice, as it detracts motorists from their essential function—keeping their attention on the road.

Yet despite the reams of information detailing the increased risk drivers put themselves and their passengers in by driving distracted, many still seem to do it. Edmunds.com recently reported about this troublesome trend and spoke to a self-described multitasking addict.

Eighty percent admit to being a multitasker

"If you're a determined multitasker, it's an addiction—and you can't stop it," said 59-year-old Mark Stevens, who told the website about an experience he had recently where he was attempting to steer his Mercedes SL500 with his knees because his hands were busy punching in numbers on his Blackberry. He wound up slamming into a rental vehicle.

Stevens isn't alone in his multitasking proclivities. A recent poll conducted by a leading insurance provider found 80 percent of respondents admitted to multitasking behind the wheel, with some of the most common tasks being text messaging, drinking beverages, eating meals and adjusting the radio dial. Nearly 10 percent of respondents said they often used their GPS behind the wheel.

In the perfect world, Edmunds.com points out drivers would see the error of their ways and put all of their attention back on the roads. In reality, though, the website says the burden is falling on car makers which must walk the fine line of trying to make it safer to multitask without encouraging the practice.

Multitasking an 'issue that won't go away'

In an interview with Edmunds.com, Rich Deering, senior manager of crash-avoidance system development for General Motors, talked about how his company and several others spent $6 million over the past four years to develop solutions to driving distractions.

"This is an issue that won't go away," said Deering.

The car information website details several things the automotive industry has done to make multitasking safer, such as equipping steering wheels with audio control functions, installing hands-free technology and developing voice-recognition software so drivers won't have to look down at their GPS screens.

Despite the vehicle enhancements, industry officials agree it does not make distracted driving safe.

Governments trying to discourage the practice

Meanwhile, as car companies install technologies which make driving distractions safer, government entities are trying to making it harder for motorists to justify the practice. In 2009, the National Highway Traffic Safety Administration launched Distraction.gov, which details an array of statistics highlighting how prevalent distracted driving has become, such as how roughly 812,000 vehicles are being driving by someone using a handheld cellphone at any given moment during the day.

At present, 31 states ban driving distractions like text messaging. Future studies will have to determine if these laws ultimately lead to people multitasking less behind the wheel.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/multitasking-behind-the-wheel-an-epidemic-800508347.aspx Mon, 16 May 2011 13:56:09 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/low-toxicity-antifreeze-may-be-a-safer-option-800507269.aspx Part of routine car maintenance for drivers is making sure they keep the proper level of antifreeze in their car and replace it every few years.

However, keeping antifreeze around is also a risk, since its main ingredient—ethylene glycol—is toxic, and could be fatal if ingested by a small child or pet.

Issues of ethylene glycol

Ethylene glycol is a very effective ingredient for antifreeze. However, it also gives off a sweet smell and taste, and often comes in bright attractive colors, which can draw pets or children to it, says Chicago Tribune columnist Steven Cole Smith.

While some do contain a chemical to give it a more bitter taste, it still presents a health hazard. Six states, according to the Humane Society of the United States, have passed a law requiring a bitter additive.

Low-toxicity antifreeze

A number of companies now use also manufacture what they call a low-toxicity antifreeze, which uses propylene glycol as its main ingredient. While it is still toxic, it is less harmful than standard antifreeze, and also naturally has a more bitter taste, so it’s less attractive to animals.

Low-toxicity antifreeze is more expensive than traditional brands, but Smith says the price difference is less noticeable since it doesn't need to be purchased very frequently.

Antifreeze safety

The Humane Society says even people who switch to low-toxicity antifreeze still need to take precautions to protect children or pets. The group says antifreeze containers should always be sealed and kept away from animals, and any spills should be cleaned up immediately.

The group says people should also avoid letting their pets wander alone around garages, driveways or other areas where they could come into contact with antifreeze.

If a child or pet is exposed to antifreeze, it’s important they receive immediate care.

Not just antifreeze

The Humane Society says ethylene glycol is also present in a number of other household chemicals which could present similar risks. Items such as paint, cosmetics, and even some souvenir snow globes contain ethylene glycol, and could be toxic.

The group says it may be wise for people to keep any items which they're not certain about the ingredients well out of reach of children or animals.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/low-toxicity-antifreeze-may-be-a-safer-option-800507269.aspx Fri, 13 May 2011 13:07:23 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-to-do-if-your-car-is-recalled-800500599.aspx During the past few years a number of major recalls have made headlines and gathered a significant amount of media attention. However, automotive recalls can be fairly common and sometimes go under the radar, as most are not as widely covered in the media to the degree of the well-publicized Toyota recall and other infamous vehicle malfunctions.

According to the Associated Press, 20 million automobiles were recalled in the U.S. during 2010—the most since 2004.

As recalls become more common, it may be helpful for consumers to know the best ways to stay informed should their vehicle be called in for service. The AP has recommended steps consumers should take to make sure their vehicles stay safe.

Finding out about recalls

The AP argues that drivers should be vigilant about recalls and other repair recommendations from their carmaker. Simple ways to stay informed about recalls are email alerts from the National Highway Traffic Safety Administration (NHTSA).

The group also maintains a searchable database drivers can check periodically. Drivers may need to be proactive and have their vehicles checked before they are contacted, as sometimes it takes a while for automakers to reach out to owners.

Getting recommended car repairs may be problematic

According to the AP, the most important step is actually getting the repairs performed. A number of individuals receive letters informing them that they may be affected by a recall, but never decide to pursue the issue. The AP says 30 percent of car owners do not follow up after being notified about a recall. This could potentially put drivers and their passengers in harm's way.

This problem not only applies to independent car owners, but rental agencies as well. California currently has legislation in the works that would require car rental companies to perform the repairs recommended in recall notices. The legislation was spurred by a 2004 accident in which two young women were killed when their vehicle caught fire and crashed. It was later discovered that the vehicle had been recalled.

Some rental companies argue that continuing to rent vehicles with recalls is acceptable if the problems do not seem serious. However, the NHTSA argues all recalls should be taken seriously.

"All safety recalls resulting from defects present an unreasonable risk to safety and we believe it is inappropriate to suggest that some defects are not risky enough to require repair," NTHSA spokeswoman Karen Aldana told the New York Times. "For the safety of the motoring public, all recalled vehicles should be fixed promptly."

Individual drivers should follow this guideline as well, and visit a car repair service shop if they believe they are affected by a recall.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-to-do-if-your-car-is-recalled-800500599.aspx Tue, 10 May 2011 22:42:48 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/making-more-fuel-efficient-suvs-may-come-at-a-cost-800500596.aspx In the late 90s and early 2000s, SUVs were thought by some to be one of the most dangerous vehicles for drivers, due to the risk of rollover accidents. However, over time and with advancements in technology, SUVs have become remarkably safer, according to the Wall Street Journal.

Both the government and consumers are placing a high priority on fuel efficiency. However, making SUVs lighter for fuel economy may unravel some of the auto safety progress made with them in recent years. According to former NHTSA Administrator Jeff Runge, holding SUVs to a higher fuel-economy standard without undoing safety progress "is going to be a very, very tricky thing to do."

SUVs have made safety progress

According to the Wall Street Journal, makers of SUVs have worked hard to develop technology that prevents vehicle rollovers—formerly the most common concern and cause of SUV accidents.

The source says, beginning in the late 1990s, federal data began to reveal that SUV accidents were more likely to end fatally than crashes involving passenger cars. This problem gained more exposure through the early 2000s, when a string of rollover accidents involving Ford Explorers with 15-inch Firestone tires led to at least 174 fatalities, according to Time.

At that time, Congress began mandating rollover testing with publicly released results—an act that may have influenced carmakers to develop stability technology to avoid very low rollover safety ratings, the source says. After the implementation of such technology, some say new SUVs, due to their weight and distance from the ground, can be more protective than cars in the event of an accident.

Fuel efficiency a national goal

However, due to the U.S. Government's desire to distance itself from oil dependency, there have been widespread calls to raise the average fuel efficiency in the country from the current 35 miles per gallon to 62 mpg by 2025.

Apart from reducing the country's dependency on oil, the recent spike in the cost of gasoline may cause consumers to desire more fuel-efficient SUVs for personal financial reasons as well.

Making SUVs lighter may compromise safety

Though SUVs would need to weigh much less in order to meet those goals, measures taken to save fuel may impact safety.

"To reduce enough to have an effect on mileage, you'll have an effect on safety," Gloria Bergquist of the Alliance of Automobile Manufacturers told the source.

The source also says that even if a weight change was mandated for new vehicles, it still may put them in a more dangerous situation as older, heavier SUVs will still populate the roads and could be devastating to a new, light SUV in the event of an accident.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/making-more-fuel-efficient-suvs-may-come-at-a-cost-800500596.aspx Tue, 10 May 2011 22:38:52 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/smartphone-apps-help-drunk-drivers-avoid-checkpoints-raise-concern-800500600.aspx Apple famously coined the phrase "there's an app for that" in its iPhone commercials to stress the fact that its expansive app store has an application for almost any situation. The recent revelation that an app has been created to help those driving intoxicated avoid sobriety checkpoints is yet another example.

According to the New York Times, a number of apps have been created that assist drunk drivers to evade sobriety checkpoints by mapping out the checkpoint locations using the smartphone's GPS receiver.

These apps are not only available for the Apple iPhone, but have been created for the RIM and Android platforms as well. However, a number of auto safety groups are calling to have the apps taken down, the source reports.

Sobriety checkpoint apps

Sobriety checkpoints are locations where police officers stop drivers to determine if they have been drinking. According to the source, the concept is generally intended to deter drivers from risking the chance of arrest, rather than crack down on individual drunk drivers.

As such, the existence of checkpoints was never kept secret. However, exact locations were not released either.

"The original concept was it could deter someone from driving drunk because there might have been a D.U.I. checkpoint on the way home and one didn't know for sure," Corinne Gellar, spokeswoman for the Virginia State Police, told the source. "Today, the way the program is used, it defeats the purpose of deterring illegal behavior."

However, these apps may have different intentions. The New York Times reports one app, PhantomAlert, has a tagline which reads "See them before they see you!" The tagline itself may seem contradictory to claims the intent of the app is to help sober, law-abiding citizens avoid delayed travel.

Opponents call for phone companies to take the apps down

When Senators Charles E. Schumer, Tom Udall, Harry Reid and Frank Lautenberg found out about the app, they sent a letter asking Apple, Google, and Blackberry producer, Research in Motion, to take the apps offline. According to the New York Times, Blackberry agreed to pull the apps offline the following day. Apple and Google, however, chose not to act on the request.

The source reports Apple chose not to comment, while Google said the apps did not violate any of the company's policies.

Still, some argue having the apps taken down may be in the best interest of the public, as driving under the influence of alcohol is a serious problem that can lead to fatal accidents. According to the National Highway Traffic Safety Administration, more than 10,000 people died in accidents caused by drunk drivers in 2009.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/smartphone-apps-help-drunk-drivers-avoid-checkpoints-raise-concern-800500600.aspx Wed, 04 May 2011 22:44:21 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/motorcycle-fatalities-on-the-decline-800499997.aspx Motorcycles are sometimes derided because the odds of being badly injured in an accident have historically been high. But the industry may be shedding that moniker if the reports from a recent study about the decline in motorcycle fatalities are accurate.

Motorcycle accident fatalities dropped in 2010

According to the Governors Highway Safety Association, deaths from motorcycle accidents declined from 4,465 in 2009 to 4,376 in 2010, a 2 percent drop.

The GHSA looked at motorcycle fatalities in each of the 50 states and found the rate was down in approximately half the states, with fatalities dropping quite significantly in states such as Texas, Oregon and Oklahoma.

Commenting on his state's significant drop in motorcycle fatalities—27 percent—Oregon's Troy Costales, vice chairman of the GHSA, said a lot of it had to do with officials cracking down on impaired driving.

"Oregon has worked successfully with our motorcycle clubs, who are effective advocates for riding safe and sober," said Costales.

Room for improvement

Despite the decline in motorcycle accident deaths, analysts say there's plenty of room for improvement because, among other things, the rate of mortality decline was not significant compared to 2009.

For instance, the drop in fatalities from 4,465 in 2009 to 4,376 last year was a decline of just 2 percent, a far cry from the 16 percent drop-off in motorcycle accident fatalities observed in 2009 compared to 2008. Furthermore, the decline in accidents observed in 2010 was primarily confined to the first half of the year, when fewer motorcycles tend to be on the road due to colder temperatures. And because gas prices are so high, industry experts say more people will be traveling by motorcycle this summer, thereby increasing the opportunity for them to be involved in a serious accident.

GHSA chairman Vernon Betkey said his organization is doing what it can to increase vehicle safety for everyone as a result.

"We are going to be very aggressive in targeting our programs where they are needed the most," Betkey said. "Additionally, we will continue to remind all roadway users that motorcycles are a legal and legitimate way of transportation and we all need to safely share the road."

According to GasBuddy.com, the average price for a gallon of gasoline in the U.S. was $3.93 as of May 3, jumping 7 cents in a week and 30 cents in a month. In May 2010, the average price for gas was $2.90.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/motorcycle-fatalities-on-the-decline-800499997.aspx Wed, 04 May 2011 13:46:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/clarifying-car-wash-options-800494348.aspx With the change of seasons, dirty roads are replaced by clear paths of pavement.

It's this clearing of the roadways car enthusiasts find particularly enjoyable, as it makes keeping one’s car clean a whole lot easier.

The options at a car wash are likely plentiful. From premium to basic, super-deluxe to supreme, all of them seem to offer varying price ranges, the more expensive ones seemingly being the ones that get the car the cleanest. Some places detail what each option includes, but even seasoned car aficionados may not be clear about what a "basic wash" and "rust protection" entails.

In an effort to make these services more understandable—and to determine whether they're worth it—AOL Autos is clarifying these somewhat obscure terms.

What's the 'basic wash'?

AOL Autos says the basic wash is just that—a lathering and rinsing. These types of cleanings hit the "basics" by getting rid of the sand, dirt, grease and grime that tend to pile up in the winter months, which is usually followed by a giant wipe-down.

While the basic wash may suffice, the clear coat protector is for those who want that extra layer of protection. AOL Autos says these may—as the name implies—protect the car's coat from fading, but the shield probably won't last long.

If the protectant is something you just can't do without, the automotive information website says people should save their money and apply the treatment yourself by buying a product at a trusted car retailer.

Rust protection: Does it work?

AOL Autos says that few places offer this. And as it is, the website says true protection requires extensive treatment involving an actual person who applies the solution to all the nooks and crannies of a vehicle.

Bottom line

AOL Autos bottom-line suggestion is to frequently keep a car clean by getting a basic wash once a week, whether it's done by you or at an average gas station. The extras may have some utility, but AOL Autos says it's far more cost-effective to get clear-coat and rust protection done by a professional. The treatments will last longer and be higher quality.

With April being National Car Care Month, the Car Care Council says vehicle maintenance should go above and beyond the average cleaning. Rich White, executive director of the CCC, says a car's belts should be checked, oil should be changed, and coolants should be added to prevent unnecessary costs.

"Neglected vehicle care almost always means much higher costs down the line," White said. "National Car Care Month is the perfect time to focus on your vehicle's maintenance needs to make sure it is ready for the spring and summer travel season."
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/clarifying-car-wash-options-800494348.aspx Wed, 27 Apr 2011 13:08:04 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/highway-deaths-reach-lowest-point-since-1949-800493674.aspx Organizations such as the National Highway Traffic Safety Administration (NHTSA)and a number of public interest groups have made visible efforts to reduce the number of highway fatalities. It seems some of these efforts may have been successful, as recent reports from the U.S. Department of Transportation have revealed the estimated number of fatalities in highway accidents during 2010 may be a full 3 percent lower than the number of deaths the year before. It was also the lowest the fatality rate has been since 1949.

Not caused by less time on the road

Lower accident numbers typically occur during an economic recession, as some drivers use their cars less frequently in order to save money on fuel and other auto-related expenses. Therefore, total hours driven are also low during those periods of time. However, that is not the case with the current estimates.

In fact, according to the AOL, the Federal Highway Administration's figures for number of miles American drivers travelled in 2010 increased by 20.5 billion over the prior year.

"It's a really good sign that fatalities are down despite the fact that [vehicle miles traveled] is up," Barbara Harsha, executive director of the Governors Highway Safety Association, told the source.

Safety equipment may have contributed

Among the potential causes for this reduction in accidents is overall better safety equipment, in addition to public awareness campaigns encouraging seatbelt use and warning about the dangers of impaired driving. Types of auto safety technology which may have reduced fatalities include side airbags and the many high-tech features that can help prevent vehicles from rolling over.

As for seatbelts , according to statistics from NHTSA, seatbelt use reached an all-time high in 2010, with 85 percent of drivers and passengers using the safety devices.

Fewer drunken driving fatalities

According to the NHTSA, the number of fatalities caused by alcohol-impaired driving also decreased dramatically. Statistics for 2009 showed 10,839 drunken driving fatalities - down 7.4 percent from the 2008 figure of 11,711 deaths. This reduction also followed for the alcohol-impaired fatality rate per 100 million vehicle miles travelled, which the group says lowered from 0.39 in 2008 to 0.36 in 2009.

Though fatalities from drunk driving are becoming less frequent, distracted driving is becoming a growing concern that many auto safety advocates are attempting to combat. According to a study from the University of Utah, distractions caused by cell phones and other electronic devices can sometimes result in more impaired driving than a blood alcohol level of 0.08 percent—the legal limit.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/highway-deaths-reach-lowest-point-since-1949-800493674.aspx Tue, 26 Apr 2011 16:34:30 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safety-tips-to-adhere-to-before-meeting-a-private-car-buyer-or-seller-800489234.aspx A private-party car sale usually goes something like this: The seller puts the list price up on a website like Craigslist, the buyer determines whether or not they want to purchase it, and the two sides eventually come to a deal. But sometimes, these deals don't materialize once a face-to-face meeting is scheduled. In fact, surprisingly, some of them lead to altercations because the seller or buyer didn't take the appropriate precautions.

Edmunds.com wants to make sure all private-party and used-car sales are conducted as safely as possible, and as such, has posted a list of things to keep in mind before exchanging information with a buyer or seller.

Ask lots of questions

The automotive website says a person's first line of defense is to engage the prospective buyer or seller as thoroughly as possible. Steve Goddard, former president of the California Association of Realtors, says a phone call usually suffices.

"I ask them lots of questions about what they are looking for and what their needs are," Goddard told Edmunds.com. "The more I engage them in conversation, the more you get a feel for them."

Bring a friend

Even though a conversation and information check increases the likelihood that there won’t be issues when the meeting is scheduled, Edmunds.com says it can't hurt to take a friend or family member to a private car sale. Should the buyer or seller have other motives, Rico Fernandez, a sergeant for the Long Beach Police Department, says that person is less likely to cause harm if there's someone else there.

Meet in a public area

Another safety precaution to take is to plan to meet the other person in a public area. Goddard tells Edmunds.com all business dealings involving private car sales should be out in the open where there are lots of people around.

Trust your instincts

Finally, Goddard says even when all the signs indicate the buyer or seller is legitimate, relying on one's intuition is important. Goddard says people should "go with their gut" and to turn the sale over to an auto broker if they are uncomfortable about the meeting.

While private car sales have been used as a pretext to harm or injure someone, Craigslist says the "overwhelming majority" of sales their users conduct are "trustworthy" and "well-intentioned."  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/safety-tips-to-adhere-to-before-meeting-a-private-car-buyer-or-seller-800489234.aspx Wed, 20 Apr 2011 15:34:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/edmundscom-offers-gas-saving-tips-800489217.aspx Taking a look at one's local gas station may conjure memories of the summer of 2008 - the last time gas prices hovered around $4 per gallon. As such, it's not uncommon to see various tips on how to save fuel, but Edmunds.com says if people aren't careful, they may fall for "tips" that are actually myths.


Fuel-efficient doesn't always bring savings


For instance, Edmunds.com says fuel-efficient cars are often trumpeted as a better alternative to gas guzzlers like SUVs. But the automotive website says trading in an SUV for a hybrid model may be ill-advised because the trade-in value is often limited. Thus, combined with the high price tag of hybrid vehicles, it may take several years before the energy efficiency bears fruit.

Instead of relying on generalized tips, Edmunds.com says it's far better to get to know your specific auto-related expenses. One way of doing this, according to the website, is to determine your current fuel economy. By keeping track of how many miles per gallon you get, Edmunds.com says motorists can avoid making a knee-jerk decision by buying a costly vehicle when their current one may be getting good mileage after all.

Control how you drive

Another tip the automotive website recommends is to look at the big picture when it comes to saving on gas. People may not be able to control the cost of gasoline, but people can control how often they drive. Thus, Edmunds.com suggests people make adjustments to their travelling habits by doing a personal inventory and determining which trips are and are not necessary.

More people being affected by gas prices

It's not hard to understand why motorists point to rising gas prices as being the source of their financial woes. After all, according to the Associated Press, in five states the average cost of gasoline is over $4 per gallon and by this weekend, New York may become the sixth state. And after a recent poll found that consumer confidence was declining among U.S. citizens, the survey's pollster said the declining sentiment was attributable to gas prices.

According to GasBuddy.com, the national average of gasoline is $3.81 per gallon, which is 30 cents shy of the all-time record of $4.11, which was set in July 2008.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/edmundscom-offers-gas-saving-tips-800489217.aspx Wed, 20 Apr 2011 15:29:38 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/survey-shows-that-arguments-in-the-car-are-common-800487929.aspx A recent survey is revealing that many arguments that take place in a car don't transpire because of what someone does but rather what they don't do.

The study, conducted by a UK-based automotive retail group Halford's, found that a surprisingly high number of motorists said they'd had arguments in the car because the driver refused to ask for directions. Eighty-five percent of women surveyed said they'd started fights in the car as a result of this and 65 percent of men said the same.

Arguments often due to driving performance

The survey found that the most frequent things that set off an argument were someone's actions in the car itself, such as poor navigational skills and kids complaining about how long it was taking to get to a particular destination. But it also found that fights were often continuations of arguments that occurred at the home.

Perhaps the most alarming thing to take away from the study is that nearly one in seven people admitted to quarreling at least once a month in a car and nearly 20 percent said they argued once a week. Given the dangers of distracted driving, this can be a significant impediment to auto safety.

Distraction driving a major safety issue

Though distracted driving is typically likened to talking on the phone and texting while behind the wheel, the National Highway Traffic Safety Administration has a much broader definition. The NHTSA says it’s anything that leads to one's eyes, hands or mind being taken off its main purpose: focusing on the road. And distracted driving is increasingly becoming a main reason for crashes that lead to injury, as 20 percent of them in 2009 were distraction-related, according to the NHTSA.

Around the country, concerned motorists and parents are increasing awareness of this safety issue. The Chicago Tribune reported recently that an Evansville, Illinois, high school held a distracted driving summit where parents alerted students to the dangers. Many of the parents that spoke had children who had died in car accidents after using their cell phones.

The U.S. Transportation Department has held distracted driving summits of its own, launching the first one in 2009. That same year, President Obama signed an executive order banning employees from engaging in text messaging while driving.

"This order sends a very clear signal to the American public that distracted driving is dangerous and unacceptable," Transportation Secretary Ray LaHood said at the time. "It shows that the federal government is leading by example."

The third annual National Distracted Driving Summit will be held in September.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/survey-shows-that-arguments-in-the-car-are-common-800487929.aspx Tue, 19 Apr 2011 12:45:59 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-keep-your-car-clean-800486073.aspx Along with buying a new home, a new car purchase is one of the biggest decisions consumers will make in their lifetime. And, similar to the maintenance of a home, car maintenance is a crucial part of automotive ownership. Thus, with April being National Car Care Month, Boston.com contributor Peter DeMarco is renewing his determination to do what some people neglect to do soon after buying a new car: keeping it clean. He offers four words that should help other new-car owners do the same: sponges, wax, rubberize and bag.

Sponges save a car's interior from spills

Every motorist enjoys a tasty beverage, but as DeMarco notes, the chances of that beverage spilling or leaking are next to certain. To prevent spillage from staining a car's upholstery—particularly the cup holder—he says the problem's often solved with something as simple as a sponge. Though special sponges can be purchased online, DeMarco says fastidious car owners are just as pleased with 50-cent kitchen sponges cut in the shape of a coaster.

Don't underestimate the value of wax

It's no secret that wax gives a car's exterior added luster, but Lauren Fix, Time Warner's national automotive correspondent, told DeMarco that wax isn't something that should be applied every once in a while.

"Waxing protects against sun and rain damage, maintains the shine of the car and will protect the original color," Fix told DeMarco. She went on to say that people should wax every month, especially if people opt for using spray wax over paste, the kind Fix prefers.

Though a sunny day may seem like the perfect time to apply wax, Fix told DeMarco that the sun and wax don't mix. "You want the paint to be cool," Fix said. "If it's hot, it makes the wax extremely hard to get off."

'Rubberizing' a car's interior

Even the most fastidious car owner will eventually see his or her floor become increasingly soiled with dirt, sand and foot prints. But DeMarco says this can be avoided by investing in rubberized floor liners. For less than $200, DeMarco says people can prevent the interior of their car from becoming overwrought with sludge, grease and grime.

Bring the bag to the car

Finally, when it comes to cleaning the wrappers and papers that tend to pile up, DeMarco says people should bring trash bags to the rubbish instead of the other way around. While any trash bag will work, DeMarco said online retailers sell trash bags made just for cars.
"A lot of people just don't want a boring bag," one such retailer told DeMarco.

By DeMarco's own admission, he hasn't been the best with car maintenance, but according to the Automotive Aftermarket Industry Association, Americans spend a lot on a car's upkeep. Last year alone, AAIA reports consumers spent an average of $897 per light vehicle on repairs and maintenance.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-keep-your-car-clean-800486073.aspx Fri, 15 Apr 2011 14:12:23 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/organizations-aim-to-curb-texting-while-driving-800486054.aspx For the past several years, the number of people using their cell phones for texting has skyrocketed. A 2008 survey performed by Nielsen Mobile found that the average mobile customer sent or received 357 text messages between April and June of that year—a 450 percent rise compared to the same period in 2006.

In lieu of texting's popularity and to promote driving safety, there's been an onslaught of studies conducted, surveys performed and information released that highlight the dangers of texting while driving.

Studies attest to hazards of texting and driving

For instance, a 2009 survey conducted by the Insurance Institute of Highway Safety found that 43 percent of drivers between the ages of 18 to 24 have texted while driving before. That same year, a Virginia Tech Transportation Institute study found that the effect of texting while driving meant that motorists were 23.2 times more likely to be involved in an accident compared to non-distracted drivers.

Perhaps inspired by these findings, President Barack Obama in 2009 issued an executive order that made it illegal for any federal employee to text while driving.

Yet despite government initiatives, 30 states prohibiting texting while driving and more than 50 studies detailing the hazards of the practice, the Mercury News reports that teenagers still aren't getting the message.

Thus, public awareness has been stepped up even more.

For instance, earlier this year, the Allstate Foundation and Channel One News - a television news network geared for teenagers - called on more than 300 high schools nationwide to fight distracted driving and to "X the TXT."

"By harnessing the power of positive peer influence, these students are leading the charge against the texting epidemic to make roads safer now as well as for the next generation of drivers," said Joan Walker, senior vice president of corporate relations at Allstate.

Website devoted to distracted driver awareness

Another program with a similar goal is distraction.gov, a website launched last year by the U.S. Department of Transportation. The website is devoted to distracted driving in all forms, but places a heavy focus on cell phone use. Since 2010, the Transportation Department has been releasing a series of 30-second public service announcements called "Faces of Distracted Driving." Each clip features a family member talking about their loved one who died as a result of distracted driving.

Transportation Secretary Ray LaHood says people have been profoundly affected by the series.

"I thank all of the families of distracted driving victims who have bravely chosen to share their stories of loss with the world," LaHood said. "The response to their heartbreaking stories has been overwhelming and their efforts to build public awareness are helping to save lives." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/organizations-aim-to-curb-texting-while-driving-800486054.aspx Fri, 15 Apr 2011 13:57:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-battle-over-distracted-driving-800484734.aspx In recent months alone, a number of states have undertaken extra legislation to combat distracted driving. Some states, such as New York, have increased the penalties for texting or talking on a handheld cell phone while driving by adding unwanted points to a driver's auto insurance . In other states, lawmakers have introduced legislation that may make phone use while driving for teens illegal, even when the device is hands-free.

Though these are seen as positive measures, there are groups of critics who believe the measures are not enough, according to MSNBC.

Defining distraction

Much of the argument seems to focus on determining what causes the distraction—handheld use or anything else that would take a driver's mind off the road.

Many of the laws enacted in different states simply ban the use of handheld devices, which some may believe is not enough.

According to a 2009 study by the Department of Psychology at Dalhousie University, "talking on the phone, regardless of phone type, has negative impacts on performance, especially in detecting and identifying events. Performance while using a hands-free phone was rarely found to be better than when using a handheld phone."

The argument over whether to allow hands-free use or ban cell phones altogether is one of the driving factors in the debate. 

Technology, safety boon or bane?

A number of new technologies have been introduced to help manage the problem of distracted driving. Some vehicles are coming equipped with systems that allow hands-free phone use by taking control of phones or other devices while drivers keep their eyes on the road.

For example, a cell phone application has recently been created that manages motorists' cell phone use by making the phone inaccessible while they are driving on the road. The program, called Zoomsafer, locks the screen of the cell phone and shuts off alerts for incoming calls and text messages. It also has the ability to send pre-written text message responses to those who text a driver while they are on the road, informing them that they are busy and will get back to them as soon as possible.

As for in-vehicle technology, Ford has recently introduced its Sync system, which is voice-activated and has Bluetooth capabilities so drivers can connect their cell phones for use. The vehicles also offers touch screen navigation and radio systems as well as controls on the steering wheel, which are intended to allow drivers to keep their eyes on the road while trying to manage technology while driving.

However, some do not believe these forms of in-vehicle technology do enough to prevent the problems associated with distracted driving and may even make matters worse by being overly complex and a distraction themselves.   http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/the-battle-over-distracted-driving-800484734.aspx Thu, 14 Apr 2011 09:11:09 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/secrets-to-striving-for-the-perfect-driving-record-800482740.aspx The complicated streets of New York City can sometimes be notoriously difficult to navigate. Still, New York City Transit bus operator Michael Sanua has managed to maintain a clean driving record since 1988, according to AOL.

The driver told the source he has not had a single accident, which is a significant accomplishment when compared with the most dangerous bus route in the city, which had 268 crashes in 2009 alone, and the second most dangerous, which experienced 203 accidents, the source reports.

Though some car drivers may think driving a bus with civilians on board may be an entirely different experience from driving a car, Sanua emphasizes that the same safety practices apply to both.

"The same rules apply to operating a bus that apply to civilians in their cars and most of them don't involve anything too complicated,” he said. “The most important thing isn't to ... criticize someone who doesn't drive well, or get where you're going at the speed of light. The most important thing is to be conscious of driving at all times, and get where you're going safely."

Avoid road rage

Steering clear of road rage is also essential to staying safe while driving, Sanua told the source. Avoiding aggression, even after being cut-off, requires much self-control, but may be in the best interest of the driver to avoid conflict. Also diffusing conflicts before they take off and refusing to participate in back-and-forth arguing can help reduce an escalating issue. 

Plan ahead and drive cautiously

Planning seems to be one of Sanua's keys to staying safe on the road. Sanua recommends being mentally prepared for any driving situation that could potentially arise before leaving the house. One excellent way to be ready for obstacles is to leave early, ensuring you have enough time to arrive at your destination. "When I leave my house to go to work, I plan for any unusual situation like a flat tire, traffic, anything. This way, you're not rushed, driving crazy or taking chances," Sauna told AOL.

Finally, enjoying the driving experience overall has helped Sanua get through trying times as a bus operator in the New York City streets.

"It sounds simple, but it works, Sanua told the source.”I love my job, even when there's traffic. I have a sort of Zen attitude, and I just really get into driving. You can, too."

Many experts recommend similar auto safety practices for avoiding anxiety and staying calm behind the wheel.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/secrets-to-striving-for-the-perfect-driving-record-800482740.aspx Tue, 12 Apr 2011 08:13:52 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tailgates-join-list-of-frequently-stolen-auto-parts-800482735.aspx Though many vehicle owners are usually concerned about their hubcaps and tires being a target for auto part thieves, according to the Detroit News, tailgates may now also be a frequent object of theft.

The tailgate, which is the door at the back of pickup trucks and SUVs, can easily be stolen. Local reports in the Detroit area from businesses that sell the car part are remarking that they have had a number of individuals coming in to purchase replacements after theirs have been stolen by thieves.

Thieves difficult to catch

According to Jimmi Jammer, a company that manufacturers a tailgate lock called Gate Keeper, tailgates can be easy to steal because they can be removed quickly and sometimes without tools.

Sergeant Dave Centala, a police detective in a Detroit community that recently had five tailgates stolen in one night, told the Detroit News, "They come at night, make no noise and we have never caught one in the act or recovered the part."

Thieves can generally use their hands and sometimes a screwdriver, the source says, and the crimes are difficult to predict, though some police have noticed a spike in the past half-decade or so.

Problem may be going unnoticed

According to the source, the problem is becoming increasingly common, but is still fairly unknown due to a reluctance to report the thefts.

The source says many do not want to report the theft due to a fear of having to pay auto insurance deductibles and potentially face higher premiums.

Making the problem worse is that the items are frequently being sold to body shop owners or through online platforms where they may not seem suspicious, the source reports. Since many are concerned with the consequences of reporting the theft to their insurers, they prefer to purchase replacements. New tailgates generally go for around $1,200 but can be found cheaper from the same types of places where their stolen tailgate is likely for sale.

"People go to the parts store and end up buying their own tailgate back," Terri Miller, executive director of Help Eliminate Auto Thefts (HEAT), told the source.

Tailgates may be getting more valuable, but punishment is steep

Some of the temptation to steal the parts may come from their increasing value. The source remarks that some new vehicle models have backup and parking cameras housed in the tailgate. These types of tailgates can be worth over $3,000, making them a lucrative find for thieves.

However, Michigan takes a tough stance on auto part theft, which may deter those considering stealing tailgates and other parts. According to the source, tailgate theft is considered a felony in the state and is punishable with up to five years in prison or a $10,000 fine.

Auto parts can be particularly valuable and, according to the National Insurance Crime Bureau, a number of auto thefts in which entire cars are stolen are performed with the intention to send the car to a chop shop and sell its parts.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tailgates-join-list-of-frequently-stolen-auto-parts-800482735.aspx Tue, 12 Apr 2011 08:07:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/car-review-website-updating-safety-checks-800482114.aspx On the heels of the National Highway Traffic Safety Administration updating its child restraint guidelines, MotherProof.com is updating what car seats the company will use going forward when reviewing new vehicles.

MotherProof.com - a motor vehicle review website geared for women and mothers who are considering buying a new car - recently announced that it will be using two types of child-safety seats when reporting about the pluses and minuses of the vehicles the company critiques.

Britax and Graco

In a statement, the company said it will soon be using Britax Roundabout convertible child-safety seats for toddlers and the GracoSnugRide 30 safety seat for infants.

"We chose these car seats because they are among the most popular in their categories and we wanted to use car seats their parents might own," the company said in a statement.

Motherproof.com was using the Graco Highback TurboBooster previously.

The new car seats will be combined with the company putting the car seats in more positions, as well as checking the accessibility of the car's Latch system, making sure that it's easy to use and offers enough legroom so car seats of varying sizes can be accommodated.

NHTSA recently updates child seat guidelines

MotherProof.com announced the change in what car seats it would use for safety checks just after the NHTSA updated its child seat guidelines. Issued on March 21, the NHTSA now recommends parents and caregivers keep their children in whatever seat they currently use for as long as possible before moving them up to the next seat, so long as the child is within the height and weight limits for the seat.

"Safety is our highest priority," Transportation Secretary Ray LaHood said at the time in a statement. "The best car seat is the one that fits your child, fits your vehicle and one you will use every time your child is in the car."

Graco is among the best sellers

On Amazon.com, Graco has the bestselling car seat for children with its Nautilus 3-in-1 Car Seat. The Britax Roundabout and the SnugRide are number 3 and 18 respectively on Amazon’s bestsellers list.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/car-review-website-updating-safety-checks-800482114.aspx Mon, 11 Apr 2011 14:20:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/daily-beast-ranks-worst-commutes-in-the-us-800474951.aspx Though traffic can be stressful for drivers everywhere, some encounter frustrating backed-up road conditions more often than others. The Daily Beast has quantified the intensity of traffic in different cities across the country and has ranked the worst commutes in America.

Ranking methodology

The main considerations of the group were the length of the traffic corridor, the amount of time it takes to travel that corridor, and how long it takes to travel a mile on the corridor during the most congested rush-hour time in that area.

The group also considered what it calls a "rush-hour travel tax," according to the source. This entails how much longer a road takes to travel during rush hour than it does at other times.

"A particularly bad offender, for instance, is the California Delta Highway/CA-4 going westbound in San Francisco, which takes 318 [percent] longer to drive its worst corridor ... during rush hour than it does normally," the source says.

California, Texas have some of the worst commutes

The results showed that the worst area for traffic is the Riverside Freeway, also known as California Highway 91 eastbound in Los Angeles.

California held five of the top 20 spots on the list, with California Delta Highway in San Francisco, Bayshore Freeway in San Jose, Highway 78 eastbound in San Diego and Ventura Freeway in Oxnard placing third, ninth, twelfth and twentieth respectively. The second most represented state was Texas, with Houston, Austin and Dallas roadways all making the list.

Impact of traffic

Traffic can lead to more than lost time for drivers—it may also inhibit their ability to save fuel. The U.S. Energy Department says that 17.2 percent of a vehicle's fuel is lost while a car is idling in traffic.

This issue may be of particular importance now, when gas prices are at their highest rates in years. According to the U.S. Energy Information Administration, gas prices in some regions of the U.S. have exceeded $3.96.

Stop-and-go traffic may also potentially increase the risk of accidents, according to SmartMotorist.com. The site says that safe driving in these conditions requires alertness and careful thought in order to avoid collisions. Some drivers lose focus in this type of traffic or drive too closely to a vehicle in front of them in order to avoid the potential of someone cutting in front of them.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/daily-beast-ranks-worst-commutes-in-the-us-800474951.aspx Thu, 31 Mar 2011 09:15:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/many-teens-encourage-stricter-driving-laws-800474919.aspx A recent study by the Allstate foundation, which asked teenagers their opinion about graduated driver laws, found that a majority of teens are in favor of the stricter licensing standards.

Graduated driver licensing (GDL) is a system that gradually expands driving privileges for teenagers based on the length of time they have had their licenses or permits and the number of driving hours they have completed. According to the foundation, students were questioned about a system that would begin the licensing process at 16 and place restrictions on nighttime driving, driving with teen passengers and cell phone use until the age of 18.

Survey results show overwhelming approval

The survey by the Allstate Foundation was comprised of 1,383 online interviews with teenagers between the ages of 15 and 18 which were a representative sample of American households.

Of those surveyed, 74 percent said they support comprehensive GDL laws. Furthermore, 93 percent of teens said they support a texting ban and 85 percent support banning cell phone use all together, showing teens recognize the potential hazard that distracted driving can pose.

These results are contrary to the common belief that teenagers want full driving privileges as soon as possible and are resentful toward anything hindering their ability to drive, the source suggests.

According to Dr. Allan Williams, the researcher who analyzed the survey, the opinions were not stratified along demographic lines. Rather they were expressed "among all demographics, including males and females, teens of all ages and all license status, geographic region, urban and rural status, and race and ethnicity," Williams said.

Results may contribute to Allstate driver safety programs

In addition to the beneficial long-term implications of the study, the Allstate Foundation already has short-term plans to use the results to improve its auto safety programs.

"Findings from The Allstate Foundation survey are critical to informing Allstate’s public education programs like X the TXT and SAVE11, while emphasizing the urgency to enact tough, enforceable traffic safety laws," said Joan Walker, senior vice president of corporate relations at the foundation. "When teens understand the role that uniform GDL laws play in protecting drivers from dangerous situations, they overwhelmingly support a legislative solution that safely introduces them to the driving experience."

X the TXT is an Allstate campaign that encourages teen drivers to take a pledge to not text and drive, according to the company's site. The Facebook page for the campaign has over 100,000 followers.

SAVE11 is a similar teen-focused campaign that aims to encourage the passage of graduated driver laws in order to help teenagers. The campaign's Facebook page notes that an average of 11 teenagers are killed in car crashes each day.

Through these campaigns and the passage of graduated driving laws, the foundation hopes to save teen lives and contribute to safer roads for all drivers.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/many-teens-encourage-stricter-driving-laws-800474919.aspx Thu, 31 Mar 2011 08:56:45 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/installing-an-earthquake-warning-system-on-the-west-coast-may-be-expensive-800474868.aspx West Coast officials considering implementing an earthquake warning system, similar to that of Japan's, say such a system may be costly, according to the Seattle Times.

When the recent Japanese earthquake struck, it was the first test of the reportedly $1 billion earthquake early-warning system, which alerted residents by cell phone, landline and a public alarm system, of the oncoming seismic activity, the source says. The country's system is reportedly the most sophisticated in the world, according to some reports, and may have helped save a number of lives on March 11.

Now the U.S. is considering attempting to replicate the Japanese system in California and the Pacific Northwest, areas prone to seismic activity. However, according to the Seattle Times, such a system could be incredibly expensive and may make matters worse, if not carried out properly.

Financial concerns

Though the warning system scientists are currently considering may cost less than the Japanese early-warning technology, it would still cost a significant amount, the source reports. Implementing the system statewide in California would cost approximately $100 million. Since Oregon and Washington generally get more powerful earthquakes, the source estimates a cost of $50 million for the system in those states, with an additional $6 million per year for maintenance.

However, some argue that the expense is much less than the devastation caused by a severe earthquake, particularly if a location is unprepared. Also, the source points out that expense is not a deterrent in Japan. "For every 10 seismic stations we buy (in the United States), they buy a thousand," Cal Tech geophysicist Egill Hauksson told the source.

Needs to do 'more harm than good'

Officials add that the system would also need to be accompanied by a public information campaign letting people know what precautions they should take during an earthquake, whether at home or in their car. For example, according to the source, the appropriate auto safety maneuver during an earthquake is to slow down and put blinkers on, instead of braking immediately, which could be dangerous.

However, if people receive an alert of an oncoming earthquake while driving and are unaware of what they should be doing, it may result in panic and subsequent accidents.

An alternative has been proposed to limit the warnings to critical facilities only, in order to avoid widespread panic. However, some argue that it is important for the system to notify as many people as possible.

"We can't do anything about earthquakes, but we should learn how to use every second of warning we can get," Tom Jordan, director of the Southern California Earthquake Center, told the source.

Though many believe an earthquake system may be helpful on the U.S. West Coast, such plans may already be off to a rough start. According to Fox News, the system, which had received grants totaling $5 million over the past four years, is slated to receive no money during the 2012 fiscal year, according to the recently released budget.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/installing-an-earthquake-warning-system-on-the-west-coast-may-be-expensive-800474868.aspx Thu, 31 Mar 2011 08:40:22 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-to-research-burn-risks-from-car-seat-heaters-800472837.aspx While car seat heaters may seem like a pleasant automotive accessory for drivers in cold-weather climates, new data shows it might be better to shiver until the regular heater kicks in.

Many consumers have reported that seat heaters get hot enough to inflict third degree burns, leading the National Highway Traffic Safety Administration to announce they are analyzing the issue to see whether the devices pose, "an unreasonable risk to safety."

Heaters a long-standing issue

The NHTSA decided to investigate the matter after safety advocate Sean Kane and Dr. David Greenhalgh, the chief of burns at Shriners Hospital for Children in Northern California, asked the organization to reconsider the process it uses to decide if a vehicle has a defect. While the NHTSA has received reports about seat heater burns since the 1980s, USA Today reported that the agency does not necessarily consider it a defect if the emitted heat exceeds human tolerance. Kane told the newspaper that there have been at least five safety investigations that were closed without recalls due to a lack of complaints or because only minor injuries were reported to the agency.

However, both Kane and Greenhalgh say they have treated dozens of people with paralysis and other sensory issues who have been severely burned by the devices, according to the news source, some of which can reach a scorching 160 degrees.

Susan Heygood, a lawyer from Fort Worth, Texas, told the paper her client was severely burned after he accidentally turned on the seat heater in his 2005 Chevrolet Silverado while operating a window. The man, a paraplegic, sat in the vehicle for two and half hours with the temperature set on high, resulting in serious burns.

The prevalence of injuries may be higher than many imagined. Johnson Clifton Larson & Shaller, an Oregon law firm, told the newspaper the firm is currently litigating 25 cases involving 150 people who have been burned by seat heaters.

Greenhalgh said a seat heater should never go beyond 105 degrees. Those that reach higher 120 degrees can inflict third-degree burns within 10 minutes, he told the paper.

Warnings and recalls issued

In an effort to bring down the rate of injuries, General Motors began including seat heater warnings in its owner’s manuals from the 2010 model year onward. Kane and Greenhalgh have asked the Alliance of Automobile Manufacturers to take steps to improve car safety by urging members to disconnect seat heaters for those with sensory issues, setting a maximum temperature for heaters and installing timers that automatically turn the devices off.

According to the website AutoTrader.com, automakers such as Jeep, Volkswagen, Mazda, Volvo, Chrysler, BMW and Rolls-Royce have issued recalls due to overheated seats in the past. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-to-research-burn-risks-from-car-seat-heaters-800472837.aspx Tue, 29 Mar 2011 08:10:35 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/using-precautions-can-help-prevent-auto-theft-800468943.aspx In a big city like New York, it's easy to be a victim of theft if you're not vigilant about safety. The city's 88th Precinct has experienced a recent rise in auto thefts and break-ins, reported the New York Times, leading a local police officer to offer tips that can keep their vehicles safe.
Be cautious about parking

Drivers can take basic precautions to keep their car from being a theft target. Parking a vehicle in a well-lit area is likely to deter a thief, according to the newspaper, which advises motorists to be smart about where they leave their automobile unattended. If parking in a commercial lot or garage, a car owner should be sure to only leave the ignition key with a legitimate attendant.

Keep expensive items out of sight

While a new, shiny car is already attractive, robbers are more likely to infiltrate a vehicle if they can see items worth taking through the windows. The paper said drivers should not never leave valuables unattended, and to unload shopping bags from a car as soon as possible, especially if they are clearly visible through the windows. Motorists who own pricey GPS navigation systems should be particularly careful, as the source said even leaving a mounting device for the system in sight informs potential thieves that the system is somewhere inside the automobile. To be extra safe, the paper advises drivers to put their GPS system away before they arrive at their destination, as a thief may be able to see if they wait until they're parked to take it down.

Make sure your car is serviced regularly

Keeping a vehicle in tip-top condition reduces a chance of a breakdown, which could leave a motorist in a situation where they are susceptible to theft. Acquiring extra safety features such as a car-theft alarm can also prevent a robbery or make it easier to catch it if it occurs. In addition, storing a car in a garage can also make it less vulnerable to theft, according to Fox Business, something that could also lead to lower auto insurance rates.

Sometimes something as simple as vehicle model can make a driver more susceptible to car theft. According to the National Insurance Crime Bureau, while expensive cars are the traditional target for theft, older models were stolen more often in 2009, the most recent data available. That year, the 1994 Honda Accord was the most stolen, followed by the 1995 Honda Civic and the 1991 Toyota Camry.   http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/using-precautions-can-help-prevent-auto-theft-800468943.aspx Wed, 23 Mar 2011 09:23:40 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/number-of-iihs-top-safety-picks-doubles-in-2011-800468126.aspx A year after the Insurance Institute for Highway Safety toughened the criteria needed for a car to be considered a Top Safety Pick, car manufacturers have risen to the occasion by producing safer vehicles.

According to IIHS, 66 vehicles earned a Top Safety Pick award for 2011, more than doubling the number of vehicles that earned the award in 2010.

Adrien Lund, president of the IIHS, said this is a win-win for consumers as it improves driver safety and broadens the number of cars worthy of buying.

"[It] gives consumers shopping for a safer new car or SUV - from economy to luxury models - plenty of choices to consider in most dealer showrooms," Lund said. "In fact, every major automaker has at least one winning model this year."

Hyundai/Kia and Volkswagen/Audi earned nine awards each

The 66 Top Safety Picks includes 40 cars, 25 SUVs and one minivan. Hyundai/Kia and Volkswagen/Audi had nine Top Safety Picks each while General Motors, Ford/Lincoln and Toyota Lexus/Scion had eight award-winning vehicles.

Many of the vehicles had been given top safety awards in past years, but 10 vehicles were newly-coronated in 2011: the Mercedes E class, Mercedes GLK, Kia Optima, Volkswagen Jetta, Volkswagen GTI, Volkswagen Touareg, Chevrolet Cruze, Hyundai Sante Fe, Scion tC and Ford Explorer.

"Safety is a priority among this crop of winners," Lund said. "From the start these manufacturers set out to design vehicles that would earn Top Safety Pick, even though we've made it harder to win."

How vehicles were evaluated

Last year, the IIHS made safety standards more stringent by requiring that cars perform well in roof strength tests in the event of a rollover. By tightening the standards, the number of cars earning Top Safety Picks in 2010 was trimmed down to 27.

Each vehicle was evaluated by the rate of intrusion a foreign object had on the vehicle in question. For instance, frontal tests were measured by sending a barrier, meant to represent the front of a pickup truck or SUV, traveling at 40 mph into the car. Similarly, side evaluations also used a barrier, only it was traveling at 31 mph. How cars fared when being hit from behind was also assessed.

Since the original 66 were announced in December, IIHS has added seven additional models people might want to consider when buying a new car, including the Mini Cooper Countryman, the Honda Odyssey, Buick Enclave and GMC Acadia. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/number-of-iihs-top-safety-picks-doubles-in-2011-800468126.aspx Tue, 22 Mar 2011 13:35:28 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/survey-ranks-best-automaker-service-departments-800464905.aspx Though auto maintenance and servicing can sometimes be expensive, stressful or inconvenient, some automakers go out of their way to ease the experience for their customers. J.D. Power and Associates has recently released its ranking of the top automakers in each category that have the best service departments. These brands take extra measures to ensure a positive experience for drivers.

The survey includes information from 97,300 owners and lessees 2006 through 2010 model-year vehicles.

For the second year in a row, Lexus was found to have the best service among luxury brands, the company reported. Lexus performed well in all five measures and received a total customer satisfaction score of 846 on a 1,000-point scale. Jaguar, Cadillac and Acura followed closely behind in the luxury group.

For mass market brands, the firm's survey showed that MINI had the highest amount of customer satisfaction with a score of 805 - 19 points higher than its score in last year's survey. The vehicle was followed by GMC, Buick and Chevrolet, according to the source.

Relatively few feel pressured into making repairs

The survey also questioned car owners about other relationships with their dealers and found some surprising facts. According to the company, only 7 percent of service customers reported feeling like their dealerships tried to push them into obtaining unnecessary service last year. This may contradict the commonly held perception that dealerships frequently try to perform unnecessary repairs to obtain extra revenue.

Despite these lower overall upselling rates, the survey found that upselling increased with a vehicle's age—for instance, a four-year-old vehicle rate was 9 percent.

The group found that perceptions of upsells had a significant impact on customer service experience. On a 1,000 point scale, those who perceived being pressured into unnecessary repairs ranked their overall service experience nearly 140 points lower than those who did not get the sense they were being upsold.

"Suggesting additional service work can actually benefit both customers and dealerships - customers may prolong the life of their vehicle, while service facilities may gain additional revenue," said Jon Osborn, research director at J.D. Power and Associates. "However, it is key for dealerships to properly train their staff in the subtleties involved in adequately explaining the necessity and value of additional services without placing undue sales pressure on the customer."

More trips to the dealership

Additional information found on the survey indicated that the share of service visits to dealerships has increased from 67 percent on the 2007 survey to 74 percent in the current survey results. That may soon change, however.

"Due to low sales levels during the past three years, service volumes for new in-warranty vehicles are expected to steadily decline through 2013. As a result, maintaining service customer share and loyalty will be vital to dealers in the coming years," said Osborn.

When buying a new car, some drivers may find this survey information useful, as maintenance costs are an important aspect of the long-term expenses associated with a vehicle.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/survey-ranks-best-automaker-service-departments-800464905.aspx Wed, 16 Mar 2011 22:05:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/headlight-maintenance-essential-for-spring-driving-safety-800464903.aspx As springtime approaches, driving conditions will change. However, longer days and the absence of snow and ice do not necessarily mean roads will be safer. In order to prepare for spring driving, drivers should have their lights thoroughly examined to ensure they are in proper working order.

Lights are key to visibility and signaling, yet when it's sunny outside, some forget their importance, according to the Car Care Council.

"Many motorists think to check their vehicle's lights in fall or winter when the days are shorter, but checking lighting before the spring and summer driving season is just as important," said Rich White, executive director of the Car Care Council. "Better weather and longer days mean more driving and longer trips, often after dark. Lights play a major role in safe driving, as the chance of an accident increases if you can't see or be seen."

Lights can wear down, become dim

As a vehicle gets older, the lights may wear down, sometimes dimming, blinking or becoming non-functional. The problem sometimes persists since drivers cannot see their lights from inside the vehicle. However, the source recommends checking lights during oil changes.

Lights with major problems can be replaced at local maintenance shops. Drivers can ensure their lights are properly adjusted before leaving the shop. According to Wall Street Journal columnist Jonathan Welsh, poorly adjusted lights sometimes shine bluish or pinkish beams, which may bother some other drivers and cause accidents.

Keep lights clean

For lights not needing full replacement, there are certain measures drivers can take to enhance the power of their headlights and improve auto safety, the Car Care Council says.

Keeping headlights, tail lights and signal lights clear of dirt and debris can prevent them from becoming too dim to be seen by other drivers. Also, ensure that lights are properly positioned so as not to blind other drivers, which could potentially cause accidents. The source also recommends not "overdriving" headlights, meaning driving so fast that the area where the car can stop safely is further ahead than the illuminated area, potentially causing drivers to be unable to see accident-causing hazards.

When in doubt, experts say it’s advisable to turn on your headlights. It is better to err on the side of caution and enhance visibility than to forgo lights in the early hours of the evening and wind up in an accident.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/headlight-maintenance-essential-for-spring-driving-safety-800464903.aspx Wed, 16 Mar 2011 22:03:27 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-to-properly-adjust-mirrors-to-avoid-blind-spots-800464901.aspx Some accidents may result from improperly adjusted mirrors causing drivers to be unable to see nearby cars. In order to avoid this problem, drivers should learn how to place their rear-view and side-view mirrors to eliminate blind spots.

A good technique for adjusting mirrors to eliminate blind spots, according to Chicago Tribune columnist Bob Weber, is for drivers to lean their heads against the left window and adjust their side mirror until they can see the tip of their vehicle's rear fender. Next, drivers should lean to the right until their heads are in line with the rear-view mirror. Finally, the right mirror should be adjusted so drivers can see the tip of the rear fender on the other side.

Fixing mirrors in this manner allows side mirrors and rear-view mirror views to overlap slightly, allowing for continuous visibility, the source says. Cars, whether passing or being passed, will be visible from either the side-view or rear-view mirrors until they are close enough for the driver to see them in their peripheral vision.

However, Weber warns that some drivers have a difficult time adjusting to reflections that they may see, including the dotted lines separating the roadway.

If a car does enter a driver's blind spot, experts recommend not trying to switch lanes until the other vehicle is out of the blind spot. Not waiting could be dangerous, some suggest. Though there are no federal statistics for the number of accidents that occur due to an inability to see other vehicles on the road, according to Ford, many may be included in the National Highway Traffic Safety Administration's statistics for "failure to keep in proper lane or running off road." In 2006, 16,470 drivers died in accidents that list that as their cause.

Despite the absence of federal statistics on the issue, according to the Automobile Safety Foundation, accidents resulting from blind spots injure approximately 160,000 people per year. The group launched the Safe Mirrors Now! campaign to promote the use of small adhesive blind spot mirrors in order to expand the view of drivers and improve auto safety nationwide.

"Drivers cannot merge onto a freeway or change lanes safely with standard equipment side view mirrors," the Automobile Safety Foundation said.

Even with these adhesive attachments, drivers should always be cautious and employ safe driving practices while on the road in order to avoid auto accidents.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-to-properly-adjust-mirrors-to-avoid-blind-spots-800464901.aspx Wed, 16 Mar 2011 21:57:51 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-evaporative-emissions-systems-work-800464900.aspx Many efforts have been made to reduce the impact of automobiles on the environment. One such measure has been improving fuel tank systems in automobiles to reduce the amount of fumes they emit.

Gasoline has a tendency to evaporate easily and, according to familycar.com, 20 percent of all hydrocarbon emissions are from the fuel tank. In the past, the evaporative vapors would simply be released into the atmosphere, which may have contributed to the ground-level ozone problem in the America, according to the U.S. Environmental Protection Agency. In order to combat the program, the EPA has a number of regulations, including requiring EVAP systems for vehicles.

The system operates through a number of components distributed along the body of a vehicle. The fuel tank has space to allow air to expand in hot weather. The gas cap is an essential part of the system, because it is completely sealed on all vehicles since 1996, preventing the leak of vapors. The liquid vapor separator prevents liquid gasoline from entering the canister that contains fuel vapors. Finally, the EVAP Canister contains charcoal, which acts like a sponge and soaks up the fuel vapors, which are held until the vehicle's engine is started. Once the engine turns on the vapors are siphoned into the engine for use, the source says. 

Although this system provides a number of environmental and cost-effective benefits, it can sometimes malfunction. A driver recently wrote in to the Chicago Tribune to inquire about a tank-filling problem, where the handle of the gas pump would click off every few seconds, making him unable to fill his tank in one continuous flow. According to column author Bob Weber, the cause of this problem may be a defect with the car's evaporative emissions system, "probably the vent tube leading from the tank." The tank's closed system, which normally prevents the escape of gasoline filled air, needs the vent to free up space for the tank to be filled. 

Even if the system appears to be operating properly, regular car maintenance can avoid the development of problems, and charcoal canister filters should be replaced periodically, according to familycar.com. The source also suggests checking the system when fuel mileage drops suddenly.

Drivers who believe they are having a problem with their evaporative emissions systems should bring their vehicle in for auto maintenance, perhaps as soon as possible. The system does not solely have environmental benefits - it also may save drivers money by recycling evaporated gasoline and extending the time between fill-ups.   http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-evaporative-emissions-systems-work-800464900.aspx Wed, 16 Mar 2011 21:55:38 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-smartphone-apps-make-for-a-safer-more-enjoyable-driving-experience-800464899.aspx As smartphones become more popular, new entertainment, utilities and other forms of applications are developed each day. A number of these applications, according to business and technology blog Smart Planet, aim to assist drivers with things like finding low gas prices or available parking spots.

Zoomsafer is an application which helps drivers fight the temptation of answering their cell phones and becoming distracted while driving. The application uses a GPS tracking system to sense when someone is driving and automatically disables the mobile phone when the vehicle begins to move. The phone locks the screen and key pad, suppresses all phone calls and text messages and is also capable of sending out auto-reply messages, alerting those trying to contact the driver that they are occupied and will respond momentarily.

The app is intended to target the problem of distracted driving, which many states are currently creating laws to address. Disabling the physical features of the device may help ensure drivers are in compliance with most state laws mandating hands-free mobile use only.

Though it can be useful for traditional drivers, it is currently marketed towards businesses that employ drivers and would like a mechanism to enforce safe driving practices for their workers.

Gas Buddy is a useful app that assists drivers in finding the lowest gas prices. The app's interactive map can use a driver's location to determine the most affordable gas stations within the shortest distance. With recent sharp increases in gas prices, a number of sources say Gas Buddy and similar applications have become more popular.

According to Fox News, the app has been downloaded an average of 10,000 times per hour within the two weeks following the start of the Libyan conflict, which has contributed to the .44 cent gas price increase since the start of the year.

"There is a flood of interest out there," Patrick DeHaan, a petroleum analyst at Gas Buddy, told Fox. "Web traffic is through the roof."

Gas Buddy holds one of the top 10 spots for most popular applications on the Apple App Store.

Finding an available parking spot can also sometimes be a stressful aspect of driving. Parker aims to make the hunt easier by alerting drivers about nearby available spaces. The application was created by Streetline Networks, recipients of IBM's 2010 Global Entrepreneur of the Year award. The maker has contracted with a number of businesses in the Los Angeles area to install sensors in parking spots, which send data to the app when they are empty. This information is then added to a map and made available for drivers.

According to the source, the app currently only caters to L.A., where sensors have been placed in 3,000 parking areas. However, it is expected to expand to Washington, D.C. and Salt Lake City in the near future.

Though the app is currently only available to iPhone users, it will soon become available on Android phones as well, the source said.

With new technology encouraging safer driving practices and making inexpensive gasoline and available parking easier to locate, some of the major frustrations that drivers used to face on a daily basis may become less of a hassle.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-smartphone-apps-make-for-a-safer-more-enjoyable-driving-experience-800464899.aspx Wed, 16 Mar 2011 21:52:16 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-course-for-seniors-will-review-rules-of-the-road-800464049.aspx Seniors in Millville, New Jersey, may be able to lower the auto insurance premiums through a driver safety program offered through the Cumberland County Office on Aging and Disabled, reported the Daily Journal.

The two-day program will take place on March 18 and 19, according to the newspaper, and will give seniors a refresher in operating their vehicles in a challenging driving environment. Common age-related ailments that could affect driving such as changes in vision, hearing and reaction time will also be reviewed.

The $14 course will review other practices as well, such as how to maintain a proper distance behind another vehicle, the safest way to change lanes and how to use new technologies. The course will also review how certain medications may influence their driving behavior, according to the source.

The National Highway Traffic Safety Administration reports elderly drivers accounted for 15 percent of traffic fatalities in 2008. The agency says seniors who feel nervous or overwhelmed when driving should try to limit their driving to the day and speak to their doctor about any side effects certain medications may be having.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-course-for-seniors-will-review-rules-of-the-road-800464049.aspx Wed, 16 Mar 2011 09:12:50 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-drops-power-window-safety-law-proposal-800456196.aspx The National Highway Traffic Safety Administration recently announced it would no longer pursue a law requiring vehicles with an instant-up power window feature to also automatically reverse if an obstruction was placed in the closing window's path.

The law was partially inspired by a 2007 NHTSA study which estimated that approximately 2,000 emergency room visits each year are related to power-window injuries.

According to some advocacy groups, the way the law was worded would have been ineffective in accomplishing the goal of safer power windows, since it was only applied to windows with an instant-up feature, which are typically found on higher-end vehicles. Many of these luxury cars already come equipped with auto-reverse power windows.

"We will continue to work for an appropriate rule. Our next step is to get better data. There have been some recent deaths that we have to document," Janette Fennell from the safety advocacy group Kids and Cars told the New York Times.

The NHTSA also proposed a law in 2004 to make power-windows on all vehicles resistant to inadvertent accidental actuation by leaning or placing weight on the switches.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nhtsa-drops-power-window-safety-law-proposal-800456196.aspx Thu, 10 Mar 2011 23:36:01 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nc-civilians-troopers-unclear-on-texting-law-800420238.aspx Many North Carolina drivers are unclear about the details of the state's texting while driving  ban, making it difficult for police officers to actually enforce the law, reported WNCN-TV.

While countless people continue to text on their cell phone while behind the wheel, troopers told the news station it is still difficult to ticket them because when confronted with the charge most drivers deny the act. After that, there is no way for an officer to charge that driver unless they obtain a search warrant.

Furthermore, the station said both motorists and law enforcement often don't realize the texting ban encompasses all of the technology on a cell phone, meaning drivers are not allowed to use a phone's email, games, camera or any other function while driving.

To clarify the law, state Representative Garland Pierce told the station a new bill is being proposed in the House that would simply ban all cell phone use behind the wheel. The measure would allow law enforcement to ticket drivers if they are spotted using a phone, even if they do not admit it.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/nc-civilians-troopers-unclear-on-texting-law-800420238.aspx Tue, 22 Feb 2011 10:08:33 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/allergy-medicine-may-impair-driving-ability-800406550.aspx As the flowers begin to bloom and pollen fills the air, many see their seasonal allergies re-triggered. With springtime approaching, drivers should be aware that taking medicines used to alleviate their symptoms may also hinder their ability to drive safely, according to Health Central.

The active ingredient in many allergy medicines is diphenhydramine, which is a sedating antihistamine that can have a harmful impact on driving.

This argument is backed by a 2000 study in the Annals of Internal Medicine, which compared the affects of a non-sedating antihistamine, a sedating antihistamine and enough alcohol to cause a 0.1 percent blood alcohol level. Researchers discovered the sedating antihistamine caused drivers to be significantly less coherent than those under the influence of alcohol. 

However, both the study and Health Central advocate the use of non-sedating allergy medicine with an active ingredient known as fexofenadine. In the study, this medicine showed a minimal impact on driving ability, having similar results to those taking a placebo.

Avoiding driving under the influence of any OTC drugs will help keep drivers, their passengers and others on the road safe, which also keeps auto insurance premiums under control.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/allergy-medicine-may-impair-driving-ability-800406550.aspx Tue, 15 Feb 2011 11:57:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/fort-worth-man-sues-after-getting-used-tires-with-his-new-car-800382628.aspx Long-time Fort Worth citizen Henry Elkouri is suing a local car dealership for allegedly selling him a new vehicle with used tires in 2007, according to Fort Worth Weekly.

Elkouri purchased a brand-new Lincoln Town Car from Manuel Auto Group in 2007 for about $40,000. While making his purchase, he told the dealers he was interested in different rims for the vehicle and noted a particular rim style that was on another car in the lot, the paper said. Though the rims were an upgrade, the dealership agreed to provide them for him.

It wouldn't be until years later that Elkouri would discover the dealership hadn't given him something similar to those rims - rather, they had given him the exact rims and tires from the older car that was in the lot, according to the paper. The much worn tires caused him problems in the years after the purchase.

The dealership denies any wrongdoing, stating it did as Elkouri asked. He has responded by suing them for new tires and $1,000 for his trouble, the paper says.

Elkouri's story serves as a reminder that inspecting a new car before purchasing may be useful.   http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/fort-worth-man-sues-after-getting-used-tires-with-his-new-car-800382628.aspx Wed, 02 Feb 2011 18:53:17 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-car-smell-may-be-harmful-800382540.aspx Toxic chemicals not only come out of vehicles in exhaust, but can also exist within new cars from solvents used in the production of the interior, according to a recent infographic from the company Edmunds.

These harsh chemicals and some of their potential side effects include: Bromine, linked to learning and memory impairment and behavioral changes; Chlorine, linked to decreased fertility and harm to the liver, kidneys and blood cells; and lead and other metals, linked to brain damage and blood and nerve problems.

The image also ranks vehicles according to their potential hazardous contents. The safest car for interior fumes in 2009 based on the above and other chemicals was the Nissan Cube Krom, while the car rated the most harmful was the Chevy Aveo, according to Edmunds.

For those buying a new car, tips to avoid too much chemical exposure include vacuuming the vehicle with a HEPA filter, avoid parking in the sun, research before purchasing a car with high amounts of hazardous chemicals and opt to walk when feasible.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-car-smell-may-be-harmful-800382540.aspx Wed, 02 Feb 2011 18:26:21 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/government-investigating-possible-auto-safety-hazard-in-ford-fusion-wheels-800376251.aspx Safety complaints received by the National Highway Traffic Safety Administration (NHTSA) prompted the group to open an investigation into the wheel mounting studs used on the 2010 Ford Fusion.

NHTSA estimates the potential number of vehicles covered by any possible recall at 281,250. The issue was raised by several motorists who said the wheel mounting studs broke. This problem can potentially cause the wheels to separate from the car, causing drivers to lose control.

No injuries or fatalities have been reported in relation to the defect, however, and all of the affected vehicles appear to belong to the same fleet, NHTSA said.

Ford representatives told the Wall Street Journal the company would comply fully with the investigation, and the newspaper pointed out the investigation had begun "just as the Fusion is emerging not only as a hit with consumers, but as a legitimate competitor to top-selling models like the Toyota Camry and Honda Accord." http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/government-investigating-possible-auto-safety-hazard-in-ford-fusion-wheels-800376251.aspx Mon, 31 Jan 2011 14:59:04 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/speed-limiting-device-proposal-moves-forward-800336348.aspx Commercial trucks speeding down the highway may become a thing of the past, as efforts to install a speed-limiting device in the vehicles continue to move forward.

Road Safe America (RSA), an organization founded by parents who lost their son to an accident with a tractor trailer, is applauding recent actions taken by National Highway Traffic Safety (NHTSA) Administrator David Strickland and Federal Motor Carrier Safety Administrator Anne Ferro.

The administrators have both taken part in helping move proposed legislation forward that would place a device in heavy commercial vehicles which prohibits the vehicle from going faster than 68 miles per hour.

RSA co-founder Steve Owings says he is pleased with the progress being made on the petition.

"Although it has taken a long time, and this action does not end the discussion, a key rule that safety advocates believe will save hundreds – maybe thousands - of American lives annually is closer to reality," says Owings.

Regardless of the type of motor vehicle driven, it's important for everyone to use safe driving practices. NHTSA data reveals more than 13,000 fatalities in 2002 can be attributed to speeding.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/speed-limiting-device-proposal-moves-forward-800336348.aspx Tue, 11 Jan 2011 15:48:23 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/keep-safety-in-mind-when-snowmobiling-800325728.aspx With snowmobile trails opening up for the season, many riders are ready to take their sleds out for the first time. In addition ensuring the vehicle is properly maintained, people need to brush up on their safe driving practices.

The Utica Observer-Dispatch has released a list of facts snowmobile riders need to be aware of before going on trails. Some tips Herkimer county sheriff Christopher Farber shared with the news outlet include making sure all riders have on appropriate safety equipment.

Proper gear for snowmobile riders includes a helmet, goggles and reflective clothing. Some other safety precautions are similar to those given for operating a car.

Snowmobilers should be careful when riding on unfamiliar trails, says the paper. It's also advisable to be mindful of trail conditions, especially of ice.

A number of organizations offer courses for snowmobile riders of all ages. Participating in a class may help reduce the likelihood of an accident and teach people how to properly operate the vehicle in all various situations. According to the New York State Office of Parks, Recreation and Historic Preservation, nearly 170 accidents last season involved a collision with a fixed object. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/keep-safety-in-mind-when-snowmobiling-800325728.aspx Wed, 05 Jan 2011 17:27:50 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-years-day-worst-for-car-thefts-800323949.aspx While holidays may mean days off of work for many, the National Insurance Crime Bureau (NICB) says auto thieves don't often take the day off. Thefts remain prevalent on many holidays throughout the year.

In 2009, according to the NICB, more cars were stolen on New Year's Day than any other holiday during the year, with more than 2,700 auto thefts reported to the National Crime Information Center. Last year, January 1 also had the second-highest rate of car thefts for the entire year, trailing only June 1. Christmas Day had the lowest number of car thefts, with less than 1,400 nationwide.

The report also found the number of automotive thefts last year was highest during the summer months of June, July and August, and slowest in February and December.

However, drivers can prevent many auto thefts by taking simple preventative steps, such as making sure not to leave a spare set of keys inside the car or leave vehicles running unattended. The Texas Department of Motor Vehicles says 20 percent of stolen vehicles had the keys inside. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-years-day-worst-for-car-thefts-800323949.aspx Wed, 05 Jan 2011 08:31:33 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/snowmobile-riders-advised-to-stay-off-sidewalks-800322877.aspx Officials from New Hampshire to Iowa are cautioning snowmobile enthusiasts to ride only on specified routes and not on private lawns or city sidewalks.

The mayor of Bellevue, Iowa, told the Telegraph Herald that the city was close to banning the vehicles entirely after several reports of riders driving across homeowners’ lawns and down high-trafficked sidewalks. The issue poses both a safety risk and a violation of town rules, which mark specific routes riders can take when needing to navigate between trails. Local police told the paper they're keeping an eye out for errant snowmobiles and will pursue violators if they pose a threat to public safety.

The issue also spurred selectmen in Bartlett, New Hampshire to outlaw snowmobiling down the sidewalks along Albany Avenue, reported the Conway Daily Sun. Riders used the sidewalk as a path between the village and miles of riding trails, but administrators said it put residents in danger and concerned neighbors whose lawns had been driven over.

Snowmobile riders are advised to stick to clearly marked trails and avoid putting themselves or others at risk. Sufficient snowmobile insurance can also protect them financially in the event of an accident.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/snowmobile-riders-advised-to-stay-off-sidewalks-800322877.aspx Tue, 04 Jan 2011 16:15:47 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ice-thickness-key-concern-in-ohio-800308575.aspx As snowmobile operators look at nearby frozen lakes and streams as places to ride during the winter, park officials in Ohio say that they should first check the depth of the ice before taking their chances.

The Ohio Division of Watercraft says that ice should be at least four inches thick before people walk on it on foot. For those on snowmobiles or ATVs, that minimum depth should be five inches. Cars or small trucks shouldn't venture out on ice less than eight to 12 inches thick.

"[Riders] should use a chisel or drill a hole on the shore or boat dock so that they can check the depth," Grand Lake St. Marys interim park manager Brian Miller told the Wapakoneta Daily News. "A lot of times you can call the local bait shops and they can give you an ice report on what they are hearing, but you always want to make sure to check it for yourself."

Riders are also advised to avoid drinking alcohol while riding. The Minnesota Department of Natural Resources says alcohol can lower body temperatures and speed potential hypothermia. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ice-thickness-key-concern-in-ohio-800308575.aspx Wed, 22 Dec 2010 21:26:14 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/maryland-officials-issue-safety-warning-for-snowmobile-operators-800308569.aspx The Maryland Park Service is asking those taking advantage of winter weather conditions to remember proper snowmobile safety when it comes to driving on frozen lakes and ponds.

"Snowmobilers, ice fishermen, hikers and cross-country skiers traveling on the frozen lake should exercise caution," said Deep Creek Lake Recreation Area assistant manager Mark Spurrier.

The agency says that even though the ice may seen solid enough to drive on, salt from nearby bridges and highways may have fallen onto the ice, weakening it and increasing the risk of snowmobile operators falling into the icy water. The agency says residents can also call park rangers or other local officials to see if certain lakes are solid enough for vehicles.

If snowmobile operators do fall through the ice, officials say that the most important thing to do is stay calm. Officials from the Sheriff's office in Ada County, Idaho, said that people should have a partner quickly call 911, and once they get out of the water, attempt to follow their original path back to shore. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/maryland-officials-issue-safety-warning-for-snowmobile-operators-800308569.aspx Wed, 22 Dec 2010 21:20:11 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/snowmobile-trail-intersection-system-looks-to-improve-response-times-800307919.aspx Snowmobile trails across Wisconsin have been marked with a new identification system designed to improve the response times of emergency crews.

The Vilas County Snowmobile Alliance partnered with county officials to develop a system which plants brown signs at points where snowmobile trails intersect, reported the Lakeland Times. Vilas County has one of the most difficult trail systems to traverse, meaning it can sometimes take emergency responders a long time to reach the scene of a snowmobile accident. The three-numbered system would allow 911 callers and responders to coordinate approximate locations, said the report.

"There's nothing more frustrating for a 911 dispatcher knowing that there's an accident and somebody's hurt and they don't know where that person is," Lieutenant Gary Peske of the sheriff's department told the paper.

New maps will incorporate the number system and 911 dispatchers will be able to use a computer mapping system to find the best route for responders to take to reach the site of accidents.

Data from the Wisconsin Department of Natural Resources shows that there were 149 snowmobile injury incidents reported during the 2009-2010 season.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/snowmobile-trail-intersection-system-looks-to-improve-response-times-800307919.aspx Wed, 22 Dec 2010 12:18:36 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preseason-maintenance-vital-before-snowmobiling-800307787.aspx One of the biggest mistakes snowmobile riders make is leaving a full tank of gas in their vehicle all summer long.

That allows deposits to build up in the carburetor, restricting how much fuel can pass through and hobbling the vehicle's overall performance, one expert told the Portland Press Herald in Maine. Eric Newcomb is the service manager at Reynolds Motorsports in Gorham, and he says riders often toss their snowmobile in a shed at the end of the season and forget about it. However, the vehicles sustain significant wear and tear out on the slopes and can wear down even more in storage without some preseason maintenance. Being prepared for these eventualities makes for a better snowmobiling season, Newcomb told the paper.

He suggested riders take a close look at their snowmobile's exterior before riding, ensuring no animals have made nests in the vehicle. Additionally, the battery, suspension, bogey wheels and ski runners should all be in top shape before the first ride of the season. Newcomb advised owners keep spare belts and spark plugs on hand in case these units wear out in storage.

State officials also advise riders seek snowmobile insurance, which will protect them in case of an accident on the slopes.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/preseason-maintenance-vital-before-snowmobiling-800307787.aspx Wed, 22 Dec 2010 12:02:34 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/snowmobilers-told-to-wait-for-trails-800307743.aspx For snowmobile enthusiasts, it took too long for the first snowfall to arrive, but now many parts of the country have just received their first few flakes.

With a fresh blanket of white snow on the ground, snowmobile riders may be eager to break out their sleds. However, the Wisconsin Department of Natural Resources (DNR) is advising people to hold off until trails are officially open.

DNR snowmobile administrator Gary Eddy says it's important for riders to use safe driving practices when they take their sleds out.

"Snowmobilers may decide to ride on private property with permission, which is okay, but a high degree of caution is needed as the terrain may be very rough and hazards such as ditches, farm equipment and rocks may be hidden by the snow," says Eddy.

As with operating any motor vehicle, it's important for riders not to drive too fast and also be cautious of their surroundings. Failure to do so can result in an accident.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/snowmobilers-told-to-wait-for-trails-800307743.aspx Wed, 22 Dec 2010 11:57:28 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-hampshire-classes-offer-tips-on-snowmobile-safety-800307708.aspx Trained volunteers will be on hand to instruct participants in snowmobile safety classes across New Hampshire.

Sponsored by the New Hampshire Fish and Game Department, the free Off-Highway Recreational Vehicle Safety Education Courses can be a vital tool for first-time riders or adults looking to brush up on their snowmobile safety knowledge. State law requires anyone age 12 or older to possess a valid driver's license or pass an OHRV safety course in order to ride a snowmobile, so the instructional classes can be a great way for parents to get their young ones certified.

Additionally, the classes - taught by state-certified members of some of New Hampshire's 100 snowmobile clubs - provide valuable safety lessons for first-time riders and are constantly updated with new information for seasoned veterans.

"Snowmobiling is a great way for families to have fun exploring the great outdoors, but riders have a responsibility to obey the rules of the trails, to be courteous and - most of all - to ride safely," said Captain John Wimsatt, a coordinator for the OHRV courses.

Riders are also advised to protect themselves with liability insurance, and some states require the coverage as part of their licensing programs.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-hampshire-classes-offer-tips-on-snowmobile-safety-800307708.aspx Wed, 22 Dec 2010 11:52:28 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/holiday-health-tip-staying-slim-through-holidays-is-possible-800300257.aspx Keeping a few timing tips in mind and knowing important facts about nutritional values can help avoid the dreaded holiday weight gain, according to a report in the New Orleans Times-Picayune.

Reporter Molly Kimball provides some holiday health tips. Sticking to lean proteins like shrimp, pork, or turkey - along with making sure there are plenty of vegetables mixed in - can help holiday partiers keep off any extra inches.

Additionally, while it's not necessary to avoid festive drinks entirely, using low-calorie or zero-calorie mixers can be helpful, Kimball says. Moderation, however, is still a good idea, as is avoiding almost anything with eggnog in it.

Finally, maintaining exercise habits is one of the biggest factors in keeping holiday-related weight gain to a minimum, according to Kimball.

Another holiday health tip many experts give is to slow down when eating. A Christmas dinner at which the Heimlich maneuver is required is memorable for all the wrong reasons.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/holiday-health-tip-staying-slim-through-holidays-is-possible-800300257.aspx Wed, 08 Dec 2010 14:10:08 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-years-resolution-quit-smoking-kinda-800300269.aspx Among the most common New Year’s resolutions made every year is to quit smoking. Those who want to stop could have a new way to keep tobacco out of their lives next year, according to a retailer of so-called electronic cigarettes. These devices consist of a small vaporizer which provides a mixture of nicotine and water vapor instead of burning tobacco.

This leads to a number of advantages, MiniECigarettes says. For one thing, electronic cigarettes are legal to use in many places regular tobacco is not, including bars and restaurants in most states. Another advantage is the lack of tooth coloring and staining that typically accompanies tobacco use.

But the main advantage, according to the online retailer, is the absence of many of the harmful byproducts of tobacco smoke in the vapor mixture produced by electronic cigarettes. Tar and carbon monoxide are not present, though MiniECigarettes does note this does not mean the devices are completely harmless.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/new-years-resolution-quit-smoking-kinda-800300269.aspx Wed, 08 Dec 2010 14:02:18 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/drug-use-among-drivers-rises-800300273.aspx A number of laws and regulations have been implemented across the country to reduce the number of fatal motor vehicle accidents. While success has been seen in some areas, others still need improvement.

A report from the National Highway Traffic Safety Association (NHTSA) reveals the number of fatal accidents involving drug use increased between 2005 and 2009. Nearly 20 percent of motorists killed in an accident last year tested positive for drugs.

NHTSA Administrator David Strickland says motorists are obligated to be drug-free when driving.

"Every driver on the road has a personal responsibility to operate his or her vehicle with full and uncompromised attention on the driving task," says Strickland. "Today's report provides a warning signal that too many Americans are driving after having taken drugs, not realizing the potential for putting themselves and others on the highway at risk."

In addition to driving unimpaired, safe driving practices include always wearing a seatbelt and abiding by the posted speed limit. Failure to abide by simple highway rules can result in undesirable outcomes.
  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/drug-use-among-drivers-rises-800300273.aspx Wed, 08 Dec 2010 13:55:35 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/winter-health-tips-watch-out-for-pests-and-rodents-800292056.aspx Homeowners need to keep pest control in mind when winterizing their home. Vermin poses a threat to humans' overall health as well as the value of their homes.

The Responsible Industry for a Second Environment (RISE) says home values decline when lawns don't appear to be properly maintained in comparison to lush, green landscaping. RISE cites a study by Virginia Tech University which saw home values drop by as much as 11.4 percent because of a poorly maintained lawn. Unwanted pests can damage lawns and homes.

Texas AgriLife Extension Service integrated pest management specialist Janet Hurley says there are several different types of rodents and bugs homeowners need to be aware of.

"Bedbugs have covered the front pages of news media in recent months, but in the meantime, significant damage caused by a multitude of other pests has gone overlooked," says Hurley. Rats and mice can transmit disease directly and indirectly to humans.

The Centers for Disease Control and Prevention (CDC) says rodents are responsible for spreading more than 35 diseases. Homeowners should look for holes to prevent rodents from sneaking in. The CDC recommends using steel wool and caulk to fill gaps. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/winter-health-tips-watch-out-for-pests-and-rodents-800292056.aspx Fri, 08 Oct 2010 23:55:53 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-prepare-for-a-tornado-disaster-800347166.aspx Although tornadoes can occur anywhere and at any time of the year, the peak season stretches for six months from March through August in the South, Southwest and Midwest U.S. These potentially deadly funnel clouds travel at an average speed of 35 MPH, but have been recorded at speeds of up to 70 MPH. Additionally, it's interesting to note that although tracking studies show that most tornadoes move from southwest to northeast, a tornado's direction can be very erratic and may change suddenly. Adding to a tornado's deadliness are the wind speeds that range from 40 to 379 MPH. Using the Fujita Scale, meteorologists classify tornadoes by their wind speeds. Needless to say, when a tornado warning is issued it should be taken very seriously.

Preparation Tips

• Develop a tornado safety action plan for your family.
• Become familiar with emergency procedures for schools, offices or where ever you spend most of your time.
• Know that a tornado watch indicates that conditions exist that may spawn tornadoes. Be alert.
• Know that a tornado warning indicates that funnel clouds have been spotted. Take shelter immediately.
• Familiarize yourself with the location of your local storm shelter.
• Determine the best place in your home for your family to gather if a tornado warning is issued.
• Educate your family regarding the type of shelter to look for if they are away from home when a tornado warning is issued.
• Prepare an emergency supplies kit including bottled water, a battery-operated radio and flashlights with extra batteries.
• Teach family members how to shut off water, gas and electricity to the house.
• Make home improvements that will help to reinforce it to better withstand the forces of a tornado (e.g. roof clips, safe room, reinforce walls).
• Prepare an inventory of your personal property and if possible videotape your entire household contents for record purposes. Keep copies in a safety-deposit box or some other safe place away from home.
• Review your insurance policy with an Allstate agent to assure that you have adequate coverage.

During a Tornado Warning

• First and foremost, stay calm.
• Avoid rooms with windows or patio doors, and do not open windows.
• Move lawn and patio furniture and yard equipment indoors to prevent them from becoming flying projectiles.
• Move your car into the garage or under the carport to minimize damage.
• If you live in a mobile home, even if it is tied down, leave and find more substantial shelter.
• Seek shelter in your basement. If you don't have a basement, take shelter in a bathroom or closet located nearest to the center of your home. It’s helpful to find shelter under something sturdy (e.g. workbench, pool table, staircase).
• If you're caught outdoors when a tornado approaches, find the lowest point possible, lie face down in a ditch, ravine or other low area and cover your head to protect it from flying debris.
• If you are driving when a tornado strikes, stop and get out of your car. Take cover in a substantial building. Do not attempt to out run a tornado. If no building is available, lie face down in a ditch, ravine or other low area upwind of your parked car.
• Keep tuned in to your local weather-alert radio station.

Recovery Tips

• Do not go into a damaged home or structure.
• Be alert for potential hazards.
• Watch for broken power lines, shattered glass, splintered wood or other sharp objects.
• Take steps to prevent additional property damage from rain, wind and looting.
• Keep your receipts for materials purchased to protect your property from further loss, these expense may be reimbursable under your homeowners insurance policy.
• If power is off for more than a few hours, food may spoil. Freezers, when left closed, may keep food frozen for several days. However, if foods begin to thaw, do not refreeze them.
• If your home or vehicle sustained damage, report your loss by contacting your Allstate agent directly, report your claim online or call a catastrophe specialist at 1-800-54-STORM (1-800-547-8676).

Special thanks to the National Oceanic and Atmospheric Administration (NOAA), and the National Weather Service for their contributions to this article.

This section highlights examples of some of the safety precautions, claim considerations and financial concerns you can consider when recovering from a disaster. Please recognize that a particular example may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what's appropriate.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-prepare-for-a-tornado-disaster-800347166.aspx Tue, 17 Aug 2010 12:37:27 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-help-protect-you-and-your-motorcycle-800347142.aspx Riding on a motorcycle can be an exhilarating experience. But it also comes with some risks. Even if a motorcyclist follows every law, he or she can still be involved in an accident. And, as you may know, a motorcyclist is more prone to injuries and death because a motorcycle doesn’t offer much protection. By following a few simple precautions, you can help make sure that each trip you take on a bike is a safe one.

Sharing the road

Nearly two-thirds of all motorcycle collisions occur with a passenger car. And in most cases, the car driver was at fault. In a typical motorcycle accident, motorcyclists have less than two seconds to take action to avoid a collision.

To help prevent collisions from happening, practice these defensive driving techniques:

• Make sure other drivers see you

• Don't drive in another vehicle's blind spot

• Wear bright-colored clothes to help you stand out

• Drive at a safe speed

• Anticipate other drivers' actions

If you haven't already, consider taking a motorcycle safety course to learn more about how to keep safe when riding your motorcycle.

Wearing protective gear

Helmets

Helmets save lives. Period. Although only 20 states require motorcyclists of all ages to wear helmets, riders and passengers should wear them no matter where they live.

A helmet should fit snugly around your head. It should sit low on your forehead without interfering with your vision. If you choose a full-face helmet, consider one with a front vent to help prevent your visor from fogging up.

Clothing

When riding, you should wear clothes that protect your body from wind, flying insects and debris in the road. Light-colored clothing also helps other motorists to see you.
Wearing leather jackets, gloves, jeans and other protective clothing has been shown to be effective in preventing or reducing abrasions and lacerations in a collision.

Footwear

On a motorcycle, your feet and ankles are vulnerable to injuries if not properly protected. Leather boots work best. Don’t wear sandals or flip-flops.
Most common collision objects for motorcycles*


Passenger cars: 60%
Roadways: 9%
Truck/SUVs/Buses: 8.4%
Fixed objects: 8%
Other motorcycles: 6.9%
Parked vehicles: 2.7%
Bikes/Pedestrians: 2.1%
Animals: 0.3%
Other: 2.5%

* Source: MAIDS Report, 2004.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tips-to-help-protect-you-and-your-motorcycle-800347142.aspx Tue, 17 Aug 2010 12:32:41 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-do-i-know-my-childs-car-seat-is-safe-800317650.aspx Worried about your child's car seat? That's understandable. The National Highway Traffic Safety Administration reports that 3 out of 4 car seats are not used properly. There are many factors to take into account when buying and installing a child's car seat. Here are answers to some of the most common questions:
Is my child's car seat installed correctly?

Since there are thousands of cars and hundreds of seats, it's impossible for every seat to fit properly in every car. However, a correctly installed car seat is a key factor in keeping your child safe in a crash.

The only way to know if a car seat will fit your vehicle is by trying it out. When buying a new seat, make sure you can return it in case it doesn't fit. You may also have it examined by a professionally trained inspector. The NHTSA offers free seat inspection stations. To find one near you, visit their Child Safety Seat Inspection Station Locator.
How do I know what seat to use?

To choose the right seat, you must know your child's height and weight, plus your vehicle type. There are also guidelines for rear-facing and front-facing seats. The NHTSA recommends using a rear-facing seat until your child has grown too big for them.

• Infants should always sit in a rear-facing infant seat until they are at least 1 year old and over 20 pounds.
• Toddlers may use front or rear-facing (also called convertible) seats. Check the individual seat for its height/weight guidelines.
• School-age children who have outgrown a forward-facing seat may use a booster seat until they are big enough for adult seat belts—usually at 4'9" or taller.
• Older children can use adult seat belts when the lap belt fits over their upper thighs, the shoulder belt doesn't cross their neck or throat, and your child is tall enough to sit full against the back of the seat with knees bent, without slouching.

Am I following the law?

Each state's laws vary and may change over time. Make sure you are up to date on your state's child safety laws by visiting the IIHS List of State Laws for Vehicle Restraints.
How can I find out if a car seat has been recalled?

Child car seats can suffer from manufacturing defects or design flaws. In those cases, the seats are recalled. To make sure your seat has not been recalled, check the NHTSA Recall List. If your seat has been recalled, contact the manufacturer. You can find their website or phone number in the owner's manual.

What's LATCH?

To make installation easier, the federal government set a standard that all cars and car seats built after September 2002 must include Lower Anchors and Tethers for Children (LATCH). LATCH attachments come in two types: rigid (a metal piece that snaps over the anchor) and flexible (a hook that clips over the anchor).
If your child's car seat and car are both equipped with LATCH, you don't have to use a car's seatbelts to install the seat. However, if your car doesn't have LATCH, you must still use the seat belts to install your car seat, so try before you buy if possible.

What do I need to know when buying a new or used seat?

Keep the following in mind when shopping for a new or used car seat:
• The safest seat is one that is installed correctly, fits your child's age and size, and is used properly on every outing.
• Only buy car seats that have:
o Not been recalled. Call the manufacturer or by contacting the National Highway Traffic Safety Administration (NHTSA) Vehicle Safety Hotline at 1-888-327-4236. Or visit their website.
o A label with the date of manufacture and model number. You need those to check if the seat is safe or if it's been recalled.
o No cracks, even small ones.
o An expiration date. When buying used, check for a "made by" date on the label and ask the manufacturer if the seat is still safe to use.
o All their parts. You may be able to get replacement parts from the manufacturer, but check before you buy.
o Instructions. You need to know how to install and use the seat properly.
• Don't use seats that have been in a major crash—only a minor one.
o The NHTSA says that a minor crash means all of the following are true:
? The vehicle could be driven away from the crash.
? The vehicle door closest to the car seat was not damaged.
? No one in the vehicle was injured.
? The air bags did not go off.
? You can't see any damage to the car seat.
• Check with the manufacturer if you have questions about the safety of a seat.
Don't be intimidated by all of the guidelines. Take your time to choose the right car seat for your child, get your seat's installation inspected, and follow state laws. Then you and your family can enjoy the ride in comfort and safety.
You can find more information about child safety seats at these websites:
Car-Safety.org
Car Seat Site
NHTSA's Child Passenger Safety Site http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-do-i-know-my-childs-car-seat-is-safe-800317650.aspx Thu, 01 Jul 2010 11:28:11 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/will-my-homeowners-insurance-go-up-if-i-have-a-claim-800317706.aspx If you're concerned about your home insurance rates changing in the future, Allstate can help.

With Claim RateGuard® (a feature of Your Choice Home®), your rate won't go up just because you file a claim. One claim every five years will be forgiven. Claim RateGuardSM is only available with the platinum package.

You can also get a discount each year you go without making a claim-up to 5% off your previous policy term's premium after you've been claim-free for 12 months. This feature is available with the platinum package and the gold package.

To find out the details about your policy, be sure to talk to your agent. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/will-my-homeowners-insurance-go-up-if-i-have-a-claim-800317706.aspx Wed, 30 Jun 2010 11:50:42 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-to-make-a-home-inventory-800317677.aspx A good way to help protect your home and the stuff inside from disaster or burglary is by creating a home inventory. If something happens, and you lose some or all of your possessions, you'll need it more than ever to make sure the claims process goes as smoothly as it can. With the use of digital cameras and Allstate's free online home inventory software, this might be easier than you think. Let's start with the basics.

What is a Home Inventory?

A home inventory is a room by room list of all the things of value in your home. It can be a simple list, but ideally it should also include the value of each item, along with a picture and a receipt. This inventory can include as much or as little information as you want or so you can better ensure that it is not forgotten should a disaster strike.

Why Do You Need It?

Try to think of all the things you have in your house from memory. Write down as many as you can, and then do a walk through of your home. Forget anything? There's probably quite a bit you missed - but if you lost everything in something like a fire, you wouldn't be able to walk through your home. You'd have to remember everything - and that could mean that you're not able to document and replace everything in your home today.

How to Get Started

You could create your own home inventory list from scratch by compiling the name, description, value, picture and receipts of all your items into a spreadsheet or list.
Or you could use free software provided by Allstate and the Insurance Information Institute to easily and quickly create an electronic home inventory of your home's most important and valuable items. The software is found within Allstate.com's website, in the property section and in several other areas throughout the site.
It allows you to go through your house room by room and add items, photographs and receipts. It's all electronic, so if you make a new big purchase, it's simple to update your inventory.

Keep Your Inventory Safe

If you use Allstate's free home inventory software, you can create an electronic copy and/or print or save a complete printed inventory to keep in safe places outside your home, like a safe deposit box, or a family member or friend's house. This way, you'll always have a backup if you lose your computer.
Download Allstate's Free Home Inventory Software Now! http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-to-make-a-home-inventory-800317677.aspx Tue, 29 Jun 2010 11:34:36 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/be-on-guard-tips-for-protecting-your-home-from-burglars-800347130.aspx Burglars won't find your home an easy mark if they are forced to work in the light, if they have to take a lot of time breaking in, or if they can't break in without making a lot of noise. Research shows that if it takes more than four or five minutes to break into a home, the burglar will go elsewhere.

Most insurance companies provide a discount for devices that make a home safer such as dead-bolt locks, window grates, bars and smoke/fire/burglar alarms. However, when improving the security of your home, don't exchange security for personal safety. Don't make your home such a fortress that you are unable to escape in case of a fire or other emergency.

Find weak spots

Case your home

Take the time to "case" your house or apartment just as a burglar would. Where is the easiest entry? How can you make it more burglar-resistant? Also, trim trees and shrubs near doors and windows, and think carefully before installing a high wooden fence around your back yard. High fences and shrubbery can add to your privacy, but can also be an asset to a burglar. Consider trading a little extra privacy for a bit of added security.

Here's another idea. Force any would-be burglar to confront a real enemy—light. Exterior lights and motion detectors, mounted out of easy reach, can reduce the darkness a burglar finds comforting. In addition, simple security devices—nails, screws, padlocks, door and window locks, grates, bars and bolts—can increase the amount of time it takes to break into your home. You should also consider investing in a burglar alarm. The most effective ones also ring at an outside service.

Take it to the street

Consider the outside view too. Are any of your valuables (paintings, a silver collection, computer, etc.) easy to see from outside the house? Rearranging your furnishings might be advisable if it makes your home less inviting to criminals.

Secure the home

Doors

Make sure you have strong doors. Outside doors should be metal or solid hardwood, and at least 1 3/4 inches thick. Frames must be made of equally strong material, and each door must fit its frame securely. Even the most efficient lock, if it is placed in a weak door, will not keep out a determined burglar.

A peephole or a wide-angle viewer in the door is safer for identifying visitors than a door chain.

Sliding glass doors present a special problem because they are easy to open, but if you have these doors, you can find special locks for them. A broomstick in the door channel can also help, but cannot be depended on.

Locks

Deadbolt locks are best. They usually are locked with a key from the outside and a thumb turn on the inside. The cylinder (where the key is inserted) should be pick-resistant. Ask your hardware dealer for a reputable brand or buy your locks from a locksmith. 

Windows

Key locks are available for all types of windows. Double-hung windows can be secured simply by "pinning" the upper and lower frames together. To do this, drill a small hole on the inside of the window frame where the upper and lower windows meet. Insert a nail into the hole, which can be removed from the inside.
For windows at street level or on fire escapes, consider installing metal accordion gates.

Safe habits

Establish a routine

Routinely check doors and windows to make certain they are locked and alarm systems are turned on. In addition, you should avoid giving information to unidentified telephone callers and announcing your personal plans in want ads or public notices (such as giving your address when advertising items for sale).

Protect your keys

Don't carry house keys on a key ring bearing your home address or leave house keys with your car in a commercial parking lot or with an attendant. Also, don't hide your keys in "secret" places outside your home. Burglars usually know where to look.

Vacation tips

Leave smart

There are several things you can do to make your home less inviting to thieves while you're on vacation. First, leave blinds open in their usual position. Next, have your mail and packages picked up, forwarded or held by the post office. Finally, lower the sound of your telephone ringer and answering machine so they can't be heard outside.

Other ideas

• Arrange to have your lawn mowed in summer and your walk and driveway shoveled in winter.

• Stop newspaper deliveries.

• Ask a friend to pick up "throw-away" newspapers and circulars and return garbage cans and recycle bins from the end of your driveway.

• Use automatic timers to turn lights on and off in various parts of the house at appropriate times. You might even want to connect a radio to a timer.

• Tell police and dependable neighbors when you plan to be away and join with your neighbors to keep a close watch on what's happening in your area—working closely with them is a good way to prevent crime.


Source: Insurance Information Institute - iii.org

Interesting facts:

• Most burglars enter through the front door

• Only 13% of burglaries are ever solved

• Most burglaries occur between July and August 

Source: http://dsc.discovery.com http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/be-on-guard-tips-for-protecting-your-home-from-burglars-800347130.aspx Fri, 18 Jun 2010 12:26:27 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/six-million-reasons-to-keep-your-eyes-on-the-road-800347112.aspx On average, there are six million motor vehicle crashes each year in the United States. Of these wrecks, nearly one out of three results in an injury. And close to 43,000 people die in these crashes.

What’s even more disturbing is that many of these accidents could have been avoided. A recent study revealed that nearly 80% of crashes occurred after a driver was distracted.

Here are the top 10 distractions that cause collisions:

1. Reaching for moving object

2. Insect in vehicle

3. Looking at an object outside the vehicle

4. Reading

5. Applying makeup

6. Dialing hand-held device

7. Inserting/retrieving CD

8. Eating

9. Reaching for non-moving object

10. Talking/listening to hand-held device  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/six-million-reasons-to-keep-your-eyes-on-the-road-800347112.aspx Thu, 17 Jun 2010 12:23:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-safely-with-young-passengers-800347087.aspx Infants and toddlers require special attention—and equipment—in the car. Here are some tips on how to manage.

Driving means navigating many distractions. Driving with children can increase those distractions a hundred-fold.

Drink spills, crying, thrown or dropped toys, arguments with siblings—all are things that can steal your concentration, thereby putting yourself, your kids, and other drivers around you at risk.

The following basic tips can help you and your family stay safe on the road.

Child Safety-Seats

While the use of seat belts and child safety-seats is common knowledge, how to use these tools properly is not.

It's easy to assume that you know how your child's safety-seat works. But statistics prove that many parents don't. And, in a crash, that can mean the difference between life and death.

So take advantage of the experts: specially trained installation technicians can help make sure that your child's safety-seat is solid and secure. The National Highway Traffic Safety Administration offers a special service that can help you locate a technician in your area.

It's also important to note that no brand or type of safety seat is "best." Instead, the guiding and deciding factor is: which one fits your child most accurately? A competent retail sales person should be able to help you zero-in on which seat is best for your child.

Safety Mirrors

If you haven't already, consider purchasing child safety mirrors. These attach to your rearview mirror and can be adjusted independently, allowing you to simultaneously keep an eye on your child, and a keen eye on the road.

If you're traveling with an infant, a safety-mirror designed for rear-facing safety-seats is the best choice.

Convex mirrors (those that have a raised dome shape) tend to offer the best wide-angle view.

Seat-Belt Checklist

Beyond that, it's good to brush-up on the facts about seat belts and young passengers:

• Never hold a child in your lap while driving

• All children age 11 or younger should ride in the backseat with proper safety-seats, boosters, and restraints

• Always use one belt per passenger, keeping in mind that it’s illegal to drive without seat belts

• If children are ready for adult belts, never place the shoulder belt behind the back of the seated child.

Children are ready for standard seat belts when and only when:

• Their knees naturally wrap over the edge of the seat

• Their feet reach the floor

• They can sit tall in the seat without slouching

• The seat belt can be worn low across the upper thighs, and

• The shoulder belt naturally rests over the center of the shoulder and across the chest.

Minimizing Distractions

Car trips can be particularly frustrating for young passengers. But a little planning can maximize your child's comfort, and minimize your distractions.

Consider keeping a collection of favorite picture books, coloring books, crayons, stuffed animals, and compact toys (preferably those that don't emit loud noises) in the car. Depending on the length of your trip, it might also be smart to pack snacks, drinks, and even a favorite sing-along CD. (If you're traveling with an infant or toddler, consider using a pacifier clip or tether to keep it in reach and off the floor.)

To head off any commotion over dropped or "lost" toys, keep a separate stash of favorites in the front seat. These can be safely handed back to your child when needed.
And, of course, if you're planning a longer road-trip, bank on frequent stops for out-of-the-car breaks and activities.

Finally, if your child's behavior becomes excessively demanding, don't attempt to do anything in the car that will take your full view or attention from the road, or worse, put you or other drivers in danger. Instead, pull off the highway, or out of traffic to deal with situations that need your complete focus.

Changing Lives, Changing Insurance Needs

When your life changes, your insurance should change with you. A new baby, a teen driver, a move to a new home, a new car—all of these are events that should spur you to re-evaluate and adjust your insurance coverage.

Talk to your Allstate agent, or get a personalized auto quote right now—it's quick and easy. And don't miss the many ways you can save on your Allstate coverage. Whether you've got a baby on board or one on the way, it's important to be in Good Hands®.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-safely-with-young-passengers-800347087.aspx Thu, 17 Jun 2010 12:12:50 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-happens-if-i-hit-an-animal-while-driving-800344841.aspx An animal can cause a surprising amount of damage to your car. (And the larger the animal, the greater the damage.) But if your auto insurance policy includes Comprehensive Coverage, repairs will be covered once you've paid your deductible.

Knowing how to avoid this type of encounter can also help keep your costs (and damage) down. Here are some important things to keep in mind:
 

• Most animals cross roadways at dawn, dusk, or during the night. Reduce your speed, and increase your alertness at these times, especially in rural areas: expect the unexpected.

• Use your high beams whenever possible. The bright light can sometimes reveal wildlife as the light reflects from an animal's eyes.

• If an animal bounds or suddenly runs in front of you, brake first, swerve later. Swerving can sometimes cause an animal to mirror your movements.

• Most animals travel in small groups or pairs. So if you see one animal, know that others may be close by. Stay alert.

If you accidentally hit an animal while driving, do not touch the animal, and immediately alert the proper authorities (your highway patrol, police, or state troopers; as well as animal control). In many areas, hitting an animal and leaving the scene is considered animal cruelty, and can incur serious fines and possible imprisonment. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-happens-if-i-hit-an-animal-while-driving-800344841.aspx Mon, 14 Jun 2010 17:55:54 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-happens-if-i-have-a-blow-out-or-flat-tire-800347055.aspx Your tire, as well as any towing fees, may be covered by your Allstate auto insurance policy if you’ve got Towing and Labor coverage.

As far as your safety is concerned, here are some key things to remember if you have a blow-out on the highway:

• Take your foot off the accelerator and firmly grip the steering wheel

• Resist braking and, instead, let your car coast

• Use your turn-signal and coast (or gently accelerate) toward the shoulder or center-divide, making sure your vehicle is completely out of traffic

• Once stopped and off the road, turn on your hazard lights

• Don't attempt to change the tire unless you are safe from all traffic dangers, know how to properly change a tire, and have an inflated spare, along with all the equipment needed

• Use your cell phone or a near-by call-box to request help

• If it's safe and possible, stand away from your vehicle while you're waiting for assistance.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/what-happens-if-i-have-a-blow-out-or-flat-tire-800347055.aspx Sun, 13 Jun 2010 12:09:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ten-tips-to-simplify-your-life-800325658.aspx The world seems to be getting more complex and overwhelming by the day. Information overload, technology and new consumer products are all fighting for our time, money and energy.

But amidst all the frantic confusion, some people are choosing to pare down their lives rather than being swept up. They often can find themselves living happier, quieter and more content lives than they were before.

But it's not practical for everyone to move to a small house in a quiet country town. What you can do is make small changes for a big impact. Here are ten ways you can simplify your life.

Loosen your schedule

Do you find yourself always rushing from one thing to another? Or that every minute of your day is planned out? Try planning less things during the day and leave more time between activities. As a bonus, you can get ready for things earlier, and you won't feel like you're always behind the eight-ball.

Eliminate 20%

Stuff and baggage accumulates over time. It's a good idea to take a sweep through your stuff every few months or so and eliminate 20% of your clothes, toys, electronics, etc. You can donate them to charity or even consider selling them through a garage sale or other various online auction sites.

Focus your priorities

Spend some time thinking about what you’re doing with your time. Think of the four or five most important things to you. Are you able to focus on those? Or do you have too many commitments that leave you with little time to do the things you love? Cut everything except those four or five things.

Go small

This is a big step, but can go a long way towards simplifying your life. Do you have rooms in your house or apartment just for stuff? Are there always empty seats in your car? If moving to a smaller, less expensive house or trading in for a smaller, more fuel-efficient car is something you can do, you'll find that a lot of weight may be taken off your shoulders.

Learn to say no

Whether it's saying no to yourself when you're at the mall or saying no to a co-worker that asks you to do extra work, learn how to say no to things that don't align with your priorities. You'll spend less time focusing on things that don't make you happy.

Clear your inbox

Do you have tons of unread email messages? Or piles of unread mail at home. On top of being unnecessary clutter, an unknown pile of to-dos can wear at the back of your mind and keep you from staying on top of things. Keep your inbox and unread mail at zero and you'll find yourself being more efficient and relaxed.

Create a simple, healthy menu

Is figuring out what to make for dinner a struggle? Are you making a trip to the grocery store every day for extra ingredients? Make a simple, healthy menu for all your meals, and get all the ingredients in one trip. Make it a family event, or use it as quiet time to think.

Clear your desk

Some people make it a habit to have a clean desk when they leave work every day. An organized workspace without clutter is efficient, relaxing and will make you more productive.

Leave a small online footprint

Are you a member of every social networking site out there? Do you have more email addresses than you can remember? Pick one email and one social networking site, and delete all the rest. You'll spend less time trying to keep up.

Do nothing

Carve out a small part of your day to do nothing other than reflect on what's going on in your world. Make it a quiet, peaceful place and try to clear your mind from anything that's weighing you down. Often you'll find yourself coming out of this time refreshed and ready to tackle anything that comes your way.

Source: http://www.iii.org/ http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/ten-tips-to-simplify-your-life-800325658.aspx Thu, 10 Jun 2010 17:13:53 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-safely-share-the-road-with-bicyclists-800324208.aspx Whether you're driving on four wheels or two, the same laws apply. All it takes is some added awareness, patience, and common sense to safely share the road.

Many motorists may not realize that the same laws that apply to cars also apply to bicycles: on the road, bicycles are considered vehicles, just like any other. This means that when driving alongside a cyclist, you must give them the same respect and right-of-way you'd give another car, along with some special attention and care.
Safety is Seeing

Visibility is the most important factor when it comes to safely sharing the road with bicyclists. Most drivers don't expect to encounter cyclists on the roads, and even the most attentive drivers can easily miss seeing them. So begin expecting bicyclists, and watch for them just as you would watch for other cars. Be doubly aware of your car's blind spots and do what you can to compensate for a cyclist's limited visibility. (Pay particular attention when approaching turn lanes and intersections.)

Extra Caution, Extra Care

Because bicycles are highly maneuverable, and piloted by riders of all ages and experience levels (and attitudes), some bicyclists may disobey traffic laws and drive somewhat erratically. So it's smart to take extra caution when sharing the road:

Slow down when you're approaching a cyclist

Pass slowly and with care, and only when it's safe to do so

Always leave plenty of space between your vehicle and the bike (five feet is a good rule of thumb), especially when passing

Never crowd or tailgate a cyclist

Never cut them off, especially when turning or changing lanes (you can be given a ticket for doing so)

Refrain from honking, as sudden loud sounds can startle a cyclist and cause them to lose their focus, or worse, lose control of their bike; and above all

Always watch for cyclists before opening your car doors.

Expect the Unexpected

It's also important to remember that cyclists contend with road hazards that most motorists may not even notice (especially in wet weather) - things such as trash, broken glass, potholes, and slick or slippery trolley tracks. Be patient and allow cyclists room to avoid such hazards. Remember that bikes have the legal right to use the entire lane if needed.

Respect the Bike Lane

And finally, remember that bike lanes are for bikes only. While traffic laws allow cars to temporarily merge into a bike lane when making certain traffic maneuvers, it's important to remember to signal and watch closely for cyclists before you do so. (And, of course, never park in or actively block a dedicated bike lane.)

With some extra awareness, patience, and common sense, cars and bicycles can easily, peacefully coexist.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-safely-share-the-road-with-bicyclists-800324208.aspx Wed, 09 Jun 2010 09:33:24 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-do-i-jump-start-a-dead-battery-800324225.aspx Jump-starting a dead battery may seem simple. But there's a lot more to it than meets the eye.

Your car's ignition system is a complex network of various components and working parts. For this reason, there are actually quite a few things that could lead to a car's inability to start. A "dead" or fully discharged battery (a battery that's lost its charge) is obviously one of them.

Jump-starting a dead battery may seem simple enough. But the truth is, the wrong technique could lead to personal injury or damage to your vehicle. Here are some simple steps to follow that'll get you safely back on the road.

First, Pinpoint the Problem

If your car sounds like it's trying to start, but the engine just won't turn over, chances are good you're facing a battery problem. (However, if, say, you turn your ignition key and you hear only a click with no engine labor, that may mean you have a problem with your starter, not your battery.)

Next, Apply the Solution

First and foremost, check your vehicle owner's manual for important specifications that apply to your particular ignition system: some new cars have either very specific instructions on how to jump-start the battery, or they may prohibit jump-starting altogether.

Considering it's safe to proceed...

Obviously, you'll need a pair of jumper cables. These should be a high-quality pair of heavy-gauge wires (usually red and black), insulated with plastic encasing, with substantial alligator clips and copper conductors on both ends. Make sure there are no holes or cracks in the insulating plastic, and that the copper and metal components are non-oxidized and free of corrosion. Make sure the working, starter vehicle is close enough for the cables to safely bridge the distance without strain or tension.

With your cables in hand, first, clamp the positive wire (+ / red) alligator clip to the positive (+ / red) terminal on the dead battery. Don't allow the cable to touch anything metal other than the battery terminals.

Immediately connect the free end of the positive jumper cable to the positive (+ / red) terminal on the working battery.

Then, clamp the negative wire (- / black) alligator clip to the negative (- / black) terminal on the working battery.

Immediately connect the free end of the negative jumper-cable to a metal component or surface on the engine block of the car with the dead battery. Be careful not to connect the cable to the dead battery itself, the carburetor, fuel lines, or any other moving parts.

Make sure bystanders move to a safe distance, and then start the car with the working battery.

Once it's idling strongly, start the stalled car.

With both engines idling, carefully remove the cables in reverse order: engine-block clip first; negative (- / black) working-battery clip second; positive (+ / red) clip on the working battery terminal third; and positive (+ / red) clip on the dead battery last.

Critical Safety Precautions

Do...

Wear a pair of protective eye goggles when working on any type of machinery with moving parts, combustion, or other liquid or physical hazards, including car batteries. (A “Z87” rating ensures the goggles are approved for automotive repair.)

Periodically check your battery for cracks, corrosion, or loose leads / connections.

Install only batteries that are specifically rated for your vehicle.

Don't...

Don't hesitate to call a professional if you think the problem might be serious, or if you've forgotten the proper procedure of how to jump-start a battery.

And Never...

NEVER smoke near a charging or jump-started battery. Car batteries emit explosive gases and contain toxic, volatile chemical components such as sulfuric acid.

NEVER throw an automobile battery into the garbage, a dumpster, or otherwise leave or abandon it on public or private property. Batteries are highly toxic to humans, animals, and the environment. Take your used battery to a fire station or auto service station to have it disposed of properly.

NEVER jump-start your battery if your car's fluids are frozen.

Once your stalled car is idling and your cables are properly disconnected, make sure that you drive the car or otherwise let it run for a sufficient amount of time (30 minutes at mid to high RPM is safe). Reason being, once your engine is running, your car's alternator will translate that energy into restoring the battery's charge. Turning off the engine too soon may cut short the re-charging process, leaving you once again with a dead battery.

If you'd like a travel-sized, step-by-step reminder placard of the above steps for safely jump-starting a dead battery, contact Prevent Blindness America at 1-800-331-2020. They'll send you a free safety sticker that will help get you safely back on the road.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-do-i-jump-start-a-dead-battery-800324225.aspx Tue, 08 Jun 2010 09:38:15 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/baby-on-board-driving-tips-for-precious-cargo-800325712.aspx No matter how long you've been driving, chances are driving with a baby on board will take some getting used to. After all, it's a lot more responsibility - and potentially a lot more distraction, as you deal with his or her needs in addition to traffic. Don't worry, though. Driving safe is just a matter of being prepared.

Know your baby.

Some babies enjoy car rides more than others. If your little one has a hard time, do what you can to anticipate the problem. Bring along a favorite toy. Make sure he or she is as comfortable as possible, with a dry diaper and a full tummy. If you can, move your trip to whatever time of day he or she is most relaxed and content. The happier your baby is, the more attention you can give to driving safely.

Stick to one task at a time.

When you're driving and your baby needs attention, the safest thing to do is pull off the road to take care of him or her. Reaching into the backseat might seem doable, but accidents can happen in seconds. You'll never regret being extra cautious when it comes to avoiding a crash.

Give yourself a few extra minutes.

Don't let last-minute rushing around keep you from safety precautions like double-checking the car seat. Getting out of the house with an infant in tow is a tough chore, so plan for at least 10 minutes of leeway.

Double-check the car seat.

It can be easy to think of your baby's car seat as a permanent fixture in your car since, chances are, it rarely leaves the vehicle. Remember to check all the belts - and the seat itself - every once in a while to be sure it's still in as good of condition as you remember.

Each time you strap your baby into the seat, take a few extra seconds to double-check that the straps are buckled right and aren't pinching your baby or rubbing against his or her tender skin.

Keep the car well-stocked.

You never know when an emergency will happen, so it's a good idea to keep a stash of supplies in the trunk. You might want to include diapers, wipes, and a changing pad; a blanket or two; a flashlight and batteries; bottled water; powdered formula or jarred baby food; and a first-aid kit, to start.

You know your family's needs better than anyone, so add in whatever other supplies you could envision needing if you got stuck in your car for several hours or overnight.

Once you, your baby, and your car are well-prepared, you can actually enjoy tooling around with your little one.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/baby-on-board-driving-tips-for-precious-cargo-800325712.aspx Sat, 05 Jun 2010 17:25:39 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-protect-myself-from-identity-theft-800325704.aspx Identity theft is nothing new, but the "digital age" has made it easier than ever to gather, organize, and transmit large amounts of information—including the credit card numbers, Social Security numbers, and account information that identity thieves need to do their dirty work.

But the news isn't all bad. The steps to protecting yourself from identity theft are simple. Make them a habit to lower your risk.

Keep your information safe.

Don't give identity thieves a chance. There's a lot you can do to protect your personal information:

Shred documents with personal information (including account numbers, or your Social Security number or birth date).

Shred credit card offers and other offers that a thief could make use of.

Protect your Social Security number. Don't carry your Social Security card with you, in case your wallet gets stolen, and don't write it on your checks.

Only give out personal information if you know the person or group you're dealing with and you initiated the contact—whether by phone, mail, or Internet.

Instead of clicking the link in an unsolicited email, type in the web address yourself. (Email links can redirect you to a scammer's site, tricking you into entering personal information in an unsafe place.)

Make your password hard to guess. Choices like your birth date, mother's maiden name, or Social Security number are too obvious. Instead, try a random or made-up word, and include at least one number.

Be on the lookout for problems.

No matter how careful you are, there's always some risk of identity theft. Keep an eye on your accounts so you can spot suspicious activity right away.

Look out for mail or bills that don't arrive when you expected, which might mean someone has taken your mail.

Pay close attention to credit card or account statements that you didn't expect to receive, which could be a sign that someone has opened an account in your name.

If your credit is denied and you don't know why, check your credit report right away to look for problems. (Visit AnnualCreditReport.com for three free reports each year.)

Pay close attention to your monthly statements, double checking that all the charges and activity are accurate.

Check your credit report several times a year. Under federal law, each of the three major credit bureaus is required to give you your credit report for free once a year.

Defend yourself as soon as you notice a problem.

If you think you might be a victim, it's important to act fast!

Put a "fraud alert" on your credit reports. This alert tells creditors to follow certain procedures before opening any new accounts in your name or making certain charges to accounts that are already open. The initial fraud alert lasts for 90 days. Call any of the bureaus below to begin:

Equifax: 1-800-525-6285

Experian: 1-888-397-3742

TransUnion: 1-800-680-7289

Once you place the alert, you'll be able to get a free credit report from each bureau. Review them carefully, looking for any account, inquiry, debt, or charge that doesn't sound familiar.

Next, close any accounts that have been tampered with or established as part of the identity theft. Keep detailed records (even of conversations) and ask for verification that the accounts have been closed. Download the Federal Trade Commission's ID Theft Affidavit (PDF) to support your statements.

For full information on how to respond to identity theft, visit the FTC's "Deter, Detect, Defend" website.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-protect-myself-from-identity-theft-800325704.aspx Sat, 05 Jun 2010 17:23:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/i-just-started-renting-where-i-live-am-i-responsible-if-someone-gets-hurt-in-my-place-800325677.aspx Congratulations on your new place! Once you get all your things settled in, the real excitement of discovering a new neighborhood, meeting new people and easing into your comfort zone will take over.

You're probably also trying to get all your paperwork in order. Between setting up utilities and budgeting for rent, you've got a full plate. But you're also wondering - what happens if someone gets hurt on my property? For example, your brother is helping you move and twists his ankle on the stairs. Or your new neighbor comes over for dinner and burns himself on a hot pan.

If someone is in your rental, you could be financially responsible if they get hurt. True, lots of people have health insurance. And you might think that your family and friends won't look to you to cover it over an accident.

But the truth is, you never know what could happen. An injury could be anything from a minor cut to something more serious. And you don't want to wait until after somebody gets hurt to find out that they view you as responsible for their medical expenses or lost wages.

One way you can help protect yourself is to get renter's insurance with liability coverage. For a covered incident, it typically pays for instances where someone is hurt in your rental and either can't pay the bills or decides to sue you for damages.

Learn more about Allstate's renter's insurance. http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/i-just-started-renting-where-i-live-am-i-responsible-if-someone-gets-hurt-in-my-place-800325677.aspx Sat, 05 Jun 2010 17:17:52 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-increase-my-fuel-efficiency-and-use-less-gas-800321568.aspx Fuel efficiency has as much to do with your car as your mindset. And with a little adjustment to both, you can save a lot at the pumps.

The price of gas has more than tripled in the past 10 years. And that trend is likely to continue. So, if you're one of the many motorists who rely on fossil fuel to get you where you need to go, here are some simple ways to up your fuel efficiency and save some money at the pumps.

(While doing any one of the following may help you use less gas, any of these combined may do even more. So the more you can do, the better off you - and your wallet - will be.)
Downgrade Your Fuel Grade

If you haven't already done so, reconsider the octane level you're purchasing at the pump. Check your owner's manual for your car's fuel specifications, and choose only the octane level that best suits your car and your budget.

Save at the Speed Limit

Speeding isn't just unsafe and costly if you get a ticket - it can cost you quite a bit in fuel as well.

As your speed increases, so does air-resistance, friction, drag, and other forces. Your engine must therefore work harder and harder to keep up the pace, which means its demand for fuel will increase exponentially as your speedometer ratchets up.

So backing off the accelerator can actually do noticeable wonders to stretch the fuel in your tank. (Of course, it goes without saying that if you're driving slower than the flow of traffic, even if you're driving at the posted speed limit, make sure you keep to the right-most lane - or pull over to let others pass you. Common courtesy is still the rule of the road.)

Let Your Car Help You

Most cars come equipped with cruise control and/or overdrive gears. Use both smartly and as liberally as possible when driving highways or freeways. The lower RPM afforded by overdrive gears and the consistency of speed that cruise control can give you will keep your gas consumption down.

Accelerate Smartly

Obviously, every time you punch the accelerator, you're using fuel. However, how you use your accelerator can make all the difference in fuel efficiency.

Bad driving habits such as tailgating and "rubberbanding" (making sudden stops followed by sudden acceleration) take extra fuel. So do your best to anticipate changes in traffic: leave ample stopping distance in front of you, and, whenever possible, accelerate gently and gradually. If your car has manual transmission, use the highest gear that works for the speed you're going. Do your best to maintain a consistent speed, and your wallet will thank you. (The other drivers around you will, too.)

Reduce Unnecessary Idling

If you travel the same route every day, chances are good that you already know which intersections have the longest traffic lights. Use this knowledge to your advantage: next time you're stopped at one of these intersections, turn your car off. (Same is true if you find yourself stopped in traffic for extended periods of time due to an accident or road construction.) Unnecessary idling uses a surprising amount of fuel, especially over the course of a full commute. Not to mention, it contributes greatly to air pollution and greenhouse gasses.

Up Your Pressure

Tire pressure is one of the most important - and most overlooked - factors in good auto maintenance. While it may be common, driving with under-inflated tires can increase your risks on the road and cost you at the gas pump.

"Soft" tires cause greater friction and drag, contribute to less maneuverability and responsiveness, and actually wear and degrade faster than properly inflated tires. Soft tires also contribute significantly to increased fuel demand. So it's well worth it to turn your attention to your tires.

Purchase a reliable tire gauge, and check your tire pressure regularly. This is best done when your tires are cold, so check your pressure either before you set out for a drive, or when you reach a service station that's very close to your home or office.

Keep your tires inflated to the exact pressure recommended in your vehicle owner's manual. Alternately, you can usually find tire pressure guidelines affixed to the inside doorjamb of the driver's-side door.

Focus on Maintenance

Keeping your car well tuned not only extends your car's life, it can also do wonders for your fuel efficiency.

There are many simple mechanical factors that can make a difference. First and foremost, change your air filter regularly. An air filter that's past its prime can deprive your engine of vital oxygen, causing less efficient combustion and greater fuel consumption

Check your manual for information on air-filter maintenance. And, if you're not comfortable doing it yourself, have your mechanic check your filter whenever you service your car — or have him or her recommend a change schedule. You might also want to ask about non-disposable filters: these are much less restrictive when it comes to airflow within the engine, and they're also much better for the environment.

Changing your oil and oil filters regularly can also deliver high fuel efficiency.
Lose Excess Weight

In terms of the physics of velocity (speed), increased weight creates increased drag (or friction) that thereby causes velocity to reduce more steeply. That's a fancy way of saying that the more your car weighs, the more gas it'll take to drive that weight around. Sure, your car has a natural weight all its own, but you might be surprised how much extra weight your car is carrying.

Make a commitment to thoroughly go through your car (passenger cab, glove box, trunk, everything) and eliminate anything that's not necessary. It's actually fairly easy to free your car of five or more pounds, and every pound counts, as that's less weight your engine will have to propel. And less weight means less gas.
Errand with Efficiency

Whenever you set out to run errands, ask yourself first, "is this trip really necessary?" If the answer's "yes," then do whatever you can, whenever you can, to combine errands. This kind of "errand efficiency" is not only great for the planet (and perhaps your own schedule), it can also add up to substantial savings over time.

Open Up to Nature

It may seem trivial, but consider turning off your air conditioning or your heat. On a warm day, bring ice water from home in a water bottle, and try opening a front and alternate rear passenger window to get a natural cross-breeze going. Alternately, if it's cool out, try wearing extra layers when you drive.

Keep in mind, though, at higher highway speeds, an open sunroof or window can actually cause increased drag and wind resistance, which, of course, burns more fuel. So stay open around town, and leave your A/C for the highway.

Bigger Commitments, Bigger Returns

Of course, one of the most significant differences you can make - both in terms of your budget and the planet - is owning and driving a fuel-efficient vehicle. If it's feasible, consider selling your current car (or trading it in) and purchasing a state-of-the-art hybrid.

If that's not possible, consider … not driving. Carpooling, public transportation, biking, and walking are all options that could save you hundreds if not thousands of dollars on gas and even auto insurance (since the distance, or total miles you drive, is a factor when calculating your premiums).
And if you really want to save (and you live in an urban environment), car-share programs are sweeping the nation, offering eco-conscious and budget-minde http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-increase-my-fuel-efficiency-and-use-less-gas-800321568.aspx Fri, 04 Jun 2010 09:37:59 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/i-cant-afford-to-pay-a-full-year-of-homeowners-insurance-what-are-my-payment-options-800317697.aspx You're definitely not the only one! Talk to your mortgage lender about using an escrow account for your home insurance. That way your monthly mortgage payment will be adjusted to include your home insurance premium. When your next premium is due, your lender will pay it using the money in your escrow account.

Here's an example. Let's say your home insurance is $600 a year. That works out to $50 a month, so the amount you send to the mortgage company each month would be increased by $50. Each month, that $50 would be deposited into your escrow account. When the bill comes due, your lender will send a payment from your escrow money.

It's so common to include escrow that the industry has come up with an acronym to describe how the mortgage payment breaks down:

Principal on the mortgage

Interest on the mortgage

Taxes held in escrow

Insurance held in escrow 

Even so, it's important to talk to your lender about the escrow before you close on the house. (And remember, this is different from the escrow for closing costs.) For one thing, you need to make sure you'll have an escrow account. (They're common, but not everyone has one.) You might also want to ask whether there's a minimum balance for escrow accounts, how your monthly payment will be adjusted if your insurance rate changes in the future, and whether your property taxes can also be included in your escrow payment.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/i-cant-afford-to-pay-a-full-year-of-homeowners-insurance-what-are-my-payment-options-800317697.aspx Wed, 02 Jun 2010 11:43:05 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/boating-safety-checklist-800347103.aspx Being out on your boat puts you further from help than you might expect, even if you’re just a few hundred feet from shore. Play it safe by following the guidelines below. But don’t stop there—learn as much as you can about boating safety from reliable sources like the U.S. Coast Guard Auxiliary and the United States Power Squadrons®. (You can even get a discount for certain courses.)

• Always wear a personal flotation device (PFD) when boating. Drowning was reported as the cause of death in two-thirds of all fatalities. Approximately 90 percent of those who drowned were not wearing life jackets

• Don't use an inflatable toy as a substitute for a PFD. Twenty-nine children age 12 and under lost their lives while boating

• Never drink and boat. Alcohol use was either a direct or indirect contributing factor in approximately one-fifth of all boating fatalities.

• Pay attention to weather changes. Head for shore when winds increase or storm clouds roll in.

• Always tell someone where you're going and when you plan to return.

• Be aware of exhaust emissions. Avoid areas where carbon monoxide collects in and around your boat.

• Follow Red, Right, Returning. Keep red buoys to your right (starboard) and green buoys to your left (port) when returning from sea.

• Take a boating safety course from an expert organization, such as the U.S. Coast Guard Auxiliary or United States Power Squadrons®. Consistent with previous years, 70 percent of reported fatalities occurred on boats where the operator had not received boating safety instruction.

And make sure your boat insurance is up-to-date. Allstate offers boat insurance, complete with features and discounts that can help you get the personalized protection you want for you and your boat.

All statistics are from the U.S. Coast Guard's Boating Statistics: 2006, the latest official record of reported recreational boating accidents. The full report is available online at www.uscgboating.org/statistics/Boating_Statistics_2006.pdf  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/boating-safety-checklist-800347103.aspx Mon, 17 May 2010 12:19:27 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tornado-safety-tips-800332492.aspx Since tornadoes strike so quickly, being ready before the storm starts brewing is essential to staying safe. Make sure you understand your local emergency weather alert system and the difference between a tornado watch and a warning.

A watch means a tornado is possible in your area.

A warning means there is a tornado nearby, and you should take shelter.

Tornadoes can happen anywhere, and anytime if the weather conditions are right. Even if they aren't common in your area, everyone should know where to take shelter during a tornado warning:

Basements or storm cellars are the safest place you can be during a tornado.

If going underground isn't an option, go to an interior room or hallway on the lowest floor.

Stay away from windows, doors and outside walls.

Vehicles, trailers and mobile homes are not safe. Try to find a structure with a solid foundation.

If you are caught in the open, lie flat in a ditch or depression.

Overpasses or bridges are not safe places to take shelter.

You should also have an emergency supplies kit and keep it in your shelter.

Spotting a Tornado

If severe weather is approaching your area, stay tuned in to a weather radio station or a weather channel on television. Tornadoes form quickly, and minutes may be all you have to get to shelter.

The following are possible signs that a tornado is about to form:

Dark, greenish sky

Large hail

A large, dark, low-lying cloud

Rotating clouds

A loud roar that sounds like rushing air, a train or jet

During the Tornado

If there's a tornado warning, or if you've spotted a funnel cloud, take shelter quickly. There's no telling which direction a tornado will move so it's best to wait until the storm has passed in safety rather than watching the storm or taking pictures.

Get underneath a heavy table or get into a bathtub if there's one in your shelter. Often, the bathtub and the toilet are the last things standing if a tornado destroys a house. If there are cushions or a spare mattress lying around, use those to shield yourself even more. They'll help stop flying debris.

After the Storm Has Passed

Once the tornado has passed, cleanup and repair are the most important things you can do to get things back to normal as soon as possible:

Return to your home when the authorities give you the "all clear."

Report downed power lines.

Inspect your home for damage.

Replenish supplies you used in your emergency kit or replace expired items.

Clear the debris in your yard and around your home.

Driving in a Tornado

If a tornado strikes and you are in your car, try to find shelter or a ditch on the side of the road to lie in. Never try to outrun a tornado in your car.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/tornado-safety-tips-800332492.aspx Mon, 10 May 2010 10:32:23 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/wildfire-safety-tips-800332469.aspx Living in a home surrounded by nature can be a serene and beautiful setting for many people. But like anything else, with the benefits come some risks. If conditions are dry, wildfires can pose a threat - not only because there's plenty of fuel to burn, but also because rural areas and remote locations often don't have easy access for firefighters.

Here are a few steps you can take to make sure your home is protected and you have a plan if a wildfire threatens your area.

Prevention is the First Step

Most wildfires are started by people. If everyone practices smart fire safety habits and watches out for hazardous conditions, it keeps everyone much safer.

Never leave a fire unattended

Build campfires away from vegetation or buildings that could catch fire

Keep a fire extinguisher in your home and handy wherever you build a fire

Be extra cautious during the dry season

Encourage your family and the neighborhood to learn about fire safety

Protecting Yourself

Wildfires can spread quickly and without warning. A subtle shift in the wind could send the flames in your direction even though authorities may have deemed your area safe. Make sure you have a plan in place that includes your family and pets:

Keep a battery-operated radio with extra batteries so you can keep up-to-date with the latest advisories.

Designate a place outside your home to meet if there is a fire.

Identify multiple places you could evacuate to, like a motel or friend's house outside the danger zone.

Create an emergency supplies kit.

Protecting Your Home

Even though you're gone, the home you leave behind might be left in the path of the fire. If you take steps to protect it with fire safety in mind, the chances of minimizing damage can be decreased.

Create a 30- to 100-foot safety zone around your home. Remove all loose vegetation and trim trees back at least 15 feet from your home.

Store all highly flammable materials like gas, oil, and propane tanks in their safety containers and firewood at least 100 feet from your home.

Consider remodeling parts of your home with fire-resistant materials.

Keep your chimney clean and inspect it twice a year.

Install smoke detectors and change the batteries twice a year.

Buy fire prevention tools like a fire extinguisher, bucket, shovel and rake.

Trim back vegetation from your home and keep your gutters and downspouts clean.

If a Wildfire Threatens Your Home

If you feel like you're in danger, leave. It's always better to be safe but if you have time, you can take extra steps before you evacuate:

Remove anything combustible and place it outside your safety zone.

Close up everything: windows, doors and crawlspaces.

Pack the car with your emergency supplies.

Shut off your gas supply.

Fill any large containers or pools with water.

Turn off all your lights.

Don't lock your doors. Firefighters may need to enter the house quickly to fight the fire.

Staying Safe While You're Evacuating

It's very easy to panic, but if you keep your cool and prepare for emergency situations, you'll increase your chances of making a safe evacuation. If you do find yourself trapped at home, stay inside. You will be safer there than out in the open. If you're driving:

Roll up your windows and close your air vents.

Drive slowly and turn on your headlights.

Don't drive through heavy smoke.

Stay in the car if you are trapped. Get on the floor and cover up with a blanket or a coat.

If you're caught in the open, try to find a ditch or depression and cover yourself with a blanket or a coat.

More information on preventing wildfires and wildfire safety tips can be found at ready.gov and the Red Cross, as well as at allstate.com http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/wildfire-safety-tips-800332469.aspx Mon, 10 May 2010 10:26:07 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/lightning-safety-tips-800332460.aspx According to the National Weather Service, on average, 62 people are killed by lightning each year in the United States. So far in 2008, 8 people have died due to lightning strikes. In 2007, 45 people were struck and killed by lighting in the U.S., and hundreds more were injured. Of those killed by lightning:

98% were outside

89% were male

30% were males between the ages of 20-25

25% were standing under a tree

25% occurred on or near the water

In the U.S., an estimated 25 million lightning flashes occur each year. Over the past 30 years, lightning has killed an average of 62 people per year. To put this in perspective, an average of 62 deaths per year are caused by tornadoes. An average of 300 lightning injuries is documented each year in the United States; however, it's likely that many more of such injuries go undocumented.

Here are some tips from the National Weather Service:
Watch for Developing Thunderstorms: Thunderstorms are most likely to develop on spring or summer days but can occur year round. As the sun heats the air, pockets of warmer air start to rise and cumulus clouds form. Continued heating can cause these clouds to grow vertically into towering cumulus clouds, often the first sign of a developing thunderstorm.

When to Seek Safe Shelter: Lightning can strike as far as 10 miles from area where it is raining. That's about the distance you can hear thunder. If you can hear thunder, you are within striking distance. Seek safe shelter immediately.

Outdoor Activities Minimize the Risk of Being Struck: Most lightning deaths and injuries occur in the summer. Where organized outdoor sports activities take place, coaches, camp counselors and other adults must stop activities at the first roar of thunder to ensure everyone time to get a large building or enclosed vehicle. Leaders of outdoors events should have a written plan that all staff are aware of and enforce.

Indoor Activities Things to Avoid: Inside buildings, stay off corded phones, computers and other electrical equipment that put you in direct contact with electricity. Stay away from pools indoor or outdoor tubs, showers and other plumbing. Buy surge suppressors for key equipment. Install ground fault protectors on circuits near water or outdoors. When inside, wait 30 minutes after the last strike, before going out again.

Helping a Lightning Strike Victim: If a person is struck by lightning, call 911 and get medical care immediately. Cardiac arrest and irregularities, burns, and nerve damage are common in cases where people are struck by lightning. However, with proper treatment, including CPR if necessary, most victims survive a lightning strike. You are in no danger helping a lightning victim. The charge will not affect you.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/lightning-safety-tips-800332460.aspx Mon, 10 May 2010 10:19:06 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/teach-your-child-what-to-do-in-an-emergency-800332436.aspx As a parent, you want to keep your kids as safe as possible. Teaching them what to do in an emergency is a great way to do that. And you can start when they're still toddlers.

Of course, what you teach your kids will depend on how old they are. But here are some basics every child should learn at some point:

How to Call 911

Even preschoolers can learn to dial 911. Practice with them on a play phone, and help them understand when calling 911 is the right thing to do. Learn more about teaching your kids to use 911 at KidsHealth.org.

Their full name, address, and home phone number

From the time they can talk, kids should be taught to recite this key info if they get lost, or if they need to call 911. You may also want to teach them your cell phone number, in case you should get separated in public.

Basics of Fire Safety

Every child should know to be careful around stoves, grills, campfires, and electrical wiring. Teach them to "stop, drop, and roll" if their clothes should ever catch fire, and practice it with them. As they get older, you can also teach them how to use the fire extinguisher you (hopefully) have stashed near your stove.

When to Provide Help Themselves, and When to Call for Help

This one is a bit more complex, because it will change as your kids get older. For example, by the time they're in middle school, children can learn how to do basic first aid and CPR. Younger children can learn not to touch other people when they're bleeding (to avoid catching blood-borne illnesses) and not to move people who have been injured.

Want to take the emergency lessons a step further? Think about signing the kids up for a first aid class like the Red Cross's F.A.C.T. class, which is geared for kids. And if you're feeling like you need to brush up yourself, consider investing in a safety guide like The Safe Child Book: A Commonsense Approach to Protecting Children and Teaching Children to Protect Themselves.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/teach-your-child-what-to-do-in-an-emergency-800332436.aspx Mon, 10 May 2010 10:16:41 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/road-trip-checklist-800332426.aspx When the open road beckons, an hour or so of preparation is all it takes to help make your trip safer and happier. Here are some basic ways to get your car, family, and home ready:

Your Car

If your car is due for a tune-up, oil change, or other regular service, it's a good idea to have that done before your trip. If time is tight, the Car Care Council recommends you at least make these three things part of a quick car tune-up:

Check the fluids. That includes engine oil, power steering, brake fluid, and transmission fluid, plus windshield washer solvent and antifreeze or coolant.

Check the hoses and belts. If a belt fails, it will probably affect a larger part of your car, like the electrical or power steering systems. Hoses and clamps that look like they might be on their last leg should be replaced, because the damage might actually be more extensive inside the hose where you can't see it.

Check the tires. Make sure your tires are inflated properly. Also check for problems, like uneven wear to the treads, alignment issues, bulges, and bald spots.

Your Family

Road-tripping with kids can be a challenge—but it can also make for some great memories. Being prepared is the key.

Aside from the toys and games that will (hopefully!) keep them occupied, bring along a few surprises to pull out in case of crankiness.

Pack snacks—preferably ones that won't leave your backseat sticky. And don't forget the drinks.

Assume the worst, and pack a change of clothes (or two) and extra diapers for small children.

In case of a breakdown or other surprise, pack some basic safety items in the trunk, like flashlights, blankets, extra food and water, a first aid kit, and extra medications.

Bring along some plastic bags and moist towelettes to help keep messes contained.

Your Home

Before you leave, spend a bit of time prepping the house for your absence.

Unplug electrical appliances.

Shut off the water main.

Turn down the heat or air conditioning.

Check that all windows and doors are closed and locked.

Have your mail and newspapers held, or ask a neighbor to pick them up for you.

Install a timer on one or two lamps, to give the appearance that someone is home.

If you've got time, do yourself a favor and clean up any last-minute messes around the house. It'll make your homecoming much more pleasant. Also, make sure a trusted loved one has your trip plans and contact information.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/road-trip-checklist-800332426.aspx Mon, 10 May 2010 10:15:26 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/are-you-prepared-for-hurricane-season-800329861.aspx Experts are predicting a 69% chance of a hurricane hitting the U.S. in 2008, so now is the time to start getting ready.

Hurricanes are a devastating force of nature. A typical hurricane can produce 6 to 12 inches of rainfall, wind gusts up to 100 mph, and storm surges that can swallow an SUV. The most severe hurricanes (Category 5) can produce over 24 inches of rain in one day, winds that exceed 155 mph and 24-foot storm tides.

Hurricanes can span 300 miles and travel between 10-20 mph in a predictable manner. But they can also stall (stay in place) or accelerate up to 60 mph taking unexpected turns. To help you better prepare, weather centers have created these special cautions:

Hurricane watch ~ Be on alert. Prepare for a hurricane. Your area is likely to experience hurricane conditions within 36 hours.
Hurricane warning ~ Take action. Plan to evacuate. Your area is expected to receive hurricane-force winds within 24 hours.
The best time to plan and prepare for the unexpected is now. By following these proactive steps, you can help protect your family, your home and your valuables.

Learn about the potential risks in your area. Take precautionary measures to help keep your family and home safe.

Talk to your insurance provider annually and review your policies to help make sure you’re properly covered. If you’ve remodeled or made some new purchases, consider whether your policy provides enough coverage to meet your needs.

Conduct a home inventory. Download Allstate’s free software to help you make a room-by-room inventory of your personal possessions.

Familiarize yourself with your local emergency and recovery plans. Contact your local police or fire department, or visit city hall to discover your community’s current plans and evacuation routes.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/are-you-prepared-for-hurricane-season-800329861.aspx Fri, 07 May 2010 11:06:11 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/teach-your-kids-about-bus-safety-800327220.aspx When your kids are ready to starting riding the big yellow bus, it's important that they understand how to be safe. We've all heard the tragic stories of children getting injured (or worse) when a bus driver couldn't see them walking too close to the bus. Talk with your kids now to help make sure that never happens to them.

So, what exactly should you talk about? Most important, explain that there's a danger zone around the bus. Unless they're five big steps away from the bus, the driver won't be able to see them. (That's ten feet for little legs.) The danger zone matters when crossing the street in front of the bus, walking away from the bus, or if they should drop something on the ground near the bus.

Kids should also be taught that when they ride the bus, the same rules apply as when they're in the car: they should mind the driver and their manners. They should know not to play with the emergency exit door, not to block the aisle, and not to distract the driver by yelling, playing, or fighting.

If your kids are walking to the bus stop on their own, they'll need to know the rules for that, too. Here are three big ones:

Stay on the sidewalk. If there isn't a sidewalk, walk on the left side so drivers can see you better.

When the bus comes, take five big steps away from the road.

Don't talk to strangers.

Riding the bus could seem exciting or scary to your kids. Either way, taking some time to talk with your kids before they start riding the bus can help them adjust. Don't stop there, though. Keep the conversation going so you can make sure they're following these important child safety rules.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/teach-your-kids-about-bus-safety-800327220.aspx Thu, 06 May 2010 11:01:56 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-prevent-water-damage-800325219.aspx Water damage can happen anytime water goes somewhere it shouldn't - like when a pipe breaks, or a bathtub overflows, or the sewer drain fills with rainwater.

Once water seeps into the floor or walls, it can cause unseen structural damage that quickly becomes expensive to repair and can even cause health problems.

One of the keys to avoiding this trouble is doing everything you can to make sure water never gets the chance to go where it shouldn't. Here are some steps you can take to do that:

When building or renovating your home, be sure to follow all building codes.

Keep up with home maintenance, which will help you discover problems as soon as they start.

Keep a journal of problems so you can see when they recur and work to eliminate them.

Keep an eye on typical trouble spots: the roof and chimney that could leak, window frames, the washing machine, and plumbing fixtures in the kitchen and bathroom.

When you spot a problem, deal with it immediately by calling a professional water remediator to deal with the damage.

Shut off the water main when you leave for vacation. This can help reduce the chance of flooding from a washing machine hose or frozen pipe break.

Let faucets continuously drip during extremely cold weather to prevent pipes from bursting.

Clean your downspouts and gutters every year to prevent overflowing water from damaging your roof.

At least once a year, inspect and replace worn fittings or loose hose connections on household appliances that use water.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-prevent-water-damage-800325219.aspx Wed, 05 May 2010 12:38:14 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-fix-water-damage-800325189.aspx As a homeowner or renter, chances are you'll come up against water damage at some point. Just about any source of water can cause it. Rain overflows from sewer drains and seeps through leaky roofs. Pipes leak and burst. Washing machines overflow. Plumbing backs up, drips, and causes trouble.

Believe it or not, water damage can be expensive, difficult, and even dangerous. It costs Americans billions of dollars each year.

Once you've got a water-related problem, the two most important things to do are deal with it as fast as possible, and make sure you clean up every bit of the damage.

Recovery Tips

Call for professional help immediately. Professionals can deal with damage you might not notice yourself, preventing further water damage and the growth of bacteria or mold.

In rooms where the ceiling is wet but not sagging, take off the fixtures so that any wet wiring can dry out.

Mop or blot as much excess water as possible. Spread out damp items like books and clothes to dry. Wipe wooden furniture dry and prop up wet furniture cushions for even drying.

Call your insurance company to start the claims process. They can also help answer questions you might have.

Important Safety Tips

Be careful while you're dealing with the water damage:

Keep out of rooms where trapped water is causing the ceiling to sag.

Don't use any electrical appliances that may have been damaged by fire, heat, or water.

Don't use any electrical equipment or appliances while standing on wet carpet or floors, especially if the floor is concrete.

If electricity is still on, don't go into any rooms where there is standing water.

You can also learn more about preventing water damage by contacting your local Allstate agent.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-fix-water-damage-800325189.aspx Wed, 05 May 2010 12:27:36 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-winterize-my-home-800321539.aspx It's a multi-step process, and can take quite a bit of effort. But when temperatures plunge in January and February, you'll be so glad you did it!

Do maintenance on your heating system.

Fall is the time to have your furnace check up. Just remember the HVAC are really busy this time of year, so schedule your appointment as soon as you can - even in the summer. Also keep on schedule with cleaning or changing your furnace's air filter according to the manufacturer's directions.

Check your windows and doors for air leaks.

Use a lit stick of incense to test for air currents where there shouldn't be any - around windows and door jambs, and where your walls meet the floor. Seal up whatever leaks you find using weather stripping, caulk, or whatever material is most appropriate for the location of the leak.

Have your gutters cleaned and roof checked.

It's a good idea to wait until the leaves finish falling to have the gutters cleaned, but the roof check-up can happen anytime. Have your roofing company check the flashing and shingles. They should replace any worn-out shingles and repair any flashing that could otherwise let in water.

Check your insulation levels.

It's especially important to make sure your attic is fully insulated. If it isn't, heat from the living spaces below can rise. That can keep your furnace running harder than it should, and make the living spaces colder than you want them. But even worse, having a warm attic can cause the bottom layer of snow on your roof to melt. If it refreezes later, it can create an ice dam that puts your roof in danger.

Install a programmable thermostat.

It's quick, easy, and inexpensive to do. And over the course of just one winter, the impact is big. By setting the thermostat to change automatically throughout the day, you can lower the temperature at night but still wake up to a warm house. You'll save money and be more comfortable. What could be better?

Insulate pipes carrying hot water.

There's no point in paying for hot water you'll never get to use. Check your local hardware store for pipe insulation. You might also consider putting a "jacket" around your hot water heater so it doesn't have to work so hard.

Take care of your chimney and fireplace.

Have your chimney cleaned and make sure the flue is in good working order. While you're at it, pick up a couple of extra carbon-monoxide detectors to install nearby.

Winterizing your home might be time-consuming, but it's worth the effort to keep your family cozy and safe.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-winterize-my-home-800321539.aspx Tue, 04 May 2010 09:28:40 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-drive-more-safely-at-night-800329825.aspx Twilight and night are two of the most dangerous times to drive. But by following a few basic guidelines, you can minimize your risk.

Modern life stops at nothing - least of all the sunset - and driving at all hours is nothing but normal. However, according to the National Safety Council, traffic death rates are three times higher at night than during the day. That's a sobering statistic that's increased by four major culprits:

Reduced light

Age and eyesight

Fatigue

Alcohol

Luckily, there are a number of things you can do to safeguard yourself from the above dangers and drive more safely at night.

To See and Be Seen

The National Safety Council estimates that drivers rely on their vision for about 90 percent of their ability to react quickly. That becomes a challenge when driving at night.

Once the sun goes down, a driver's vision becomes significantly compromised - even if the driver has excellent eyesight. Peripheral vision, depth perception, and color recognition are all severely reduced when night falls. To best counteract this, try any or all of the following tips.

Clean and clear may increase your visibility, inside and out

Windows, instrument panels, headlights, tail lights - all of these are components that increase visibility inside and outside your car. Consider regularly cleaning your dashboard and instrument panels, mirrors, windows, and windshields (inside and out) to gain greater visibility.

Adjust your headlights for maximum effectiveness (and courtesy)

Next time you're at the shop, ask your mechanic to check your headlights for proper alignment. You may not be getting the most out of your car's most vital night-driving tool. Adjusting your headlights may help you see more of the road while also protecting other drivers from wayward beams.

Don't exceed your reach

When driving at night, remember that your sight - and safety - are only as good as the reach of your headlights. Don't assume that the road is clear. What lies beyond the pavement you can see may be sudden and unexpected hazards you can't see. Reduce your speed, increase your following distance, and expect the unexpected, especially on darker country roads.

The eyes have it

If you drive with corrective eyeglasses or contact lenses, make sure your prescriptions are always up-to-date. If you're an older driver, keep in mind that night driving is particularly challenging, due to natural changes that occur as our eyes age. It may be smartest to limit or eliminate your night driving, and/or drive only on roads that are very well lit.

Help Your Body Succeed

Exhaustion, distraction, boredom, and fatigue can all lead to drowsiness. Drowsiness contributes to sluggish awareness and dramatically reduced reaction times. Alcohol only worsens the above, not to mention driving while intoxicated is illegal. Drunk-driving laws across the country are becoming less forgiving and more stringent as time goes on.

Never drink and drive

Not only does alcohol radically impair motor skills and driving ability, but even one social drink can trigger fatigue. This can lead to an exceptionally lethal combination.

Avoid smoking when driving at night

The carbon monoxide and nicotine in cigarettes has a measurable, physical effect on your eyes. These chemicals can actually make it difficult to see well and clearly, especially at night.

Stay sharp

Try chewing bubble gum to keep your mind humming. Also, drinking water and staying well hydrated may do wonders for mental alertness.

Rest early, rest often

If you're planning a longer night-driving expedition, make sure you bank a couple nights' worth of good sleep before hitting the road. Also, plan on making frequent stops to stretch, walk, or have a small snack or moderate meal. (Eating too much or enjoying a heavy meal can cause sluggishness or drowsiness.) This may do wonders to combat road boredom and general fatigue. Some experts recommend stopping every two hours for a body/mind break.

Above all, remember that safe night-driving begins at early twilight: rapidly changing light can impair visibility, play tricks on the eye, trigger glare, and momentarily hamper color recognition and depth perception. But with these guidelines in mind, you may be better equipped to see, be seen, and expect the unexpected.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/how-can-i-drive-more-safely-at-night-800329825.aspx Wed, 03 Mar 2010 10:55:21 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/helping-teen-drivers-become-safe-drivers-800347185.aspx Car crashes are the #1 killer of our nation's teenagers. Each year, nearly 5,000 teens are killed in motor vehicle crashes and nearly 375,000 are injured.

That's why Allstate is committed to help keep them safe with tools, tips from experts, and information for parents of teen drivers to start that important conversation about teen driver safety.

And talking with your teen about rules of the road may not necessarily be easy, but it is important. As a way to get started, check out Allstate's exclusive Interactive Parent-Teen Driving Contract that outlines teen driver responsibilities and defines consequences you agree on together if they're not met.

Graduated Driver Licensing (GDL) Laws

What more is being done? Graduated Driver Licensing laws are designed to help young drivers transition from novices and, gradually over time gain behind-the-wheel experience and driving skills within lower-risk conditions, to gain full driving privileges. Research studies have shown that strong GDL laws can reduce crash rates among 16 year-old drivers by almost 40%.

To learn more about the laws in your state, click here.

Because GDL laws are not the same in every state, there is current legislation underway intended to change that. The Safe Teen and Novice Driver Uniform Protection Act of 2009 (STANDUP Act) would establish minimum federal requirements for a national Graduated Driver Licensing law to be consistent nationally. To learn more about the STANDUP Act and voice your support here.

Safety First

More quick tips to keep in mind. If you're buying a car for your teen, try to find one with a high safety rating. It can help keep your auto insurance premiums down, and increase your child's safety on the road.

Also, if you believe the Graduated Driver Licensing laws in your state aren't strong enough, here are some suggested rules you might want to use with your teen:

• Discuss when, where, how, and with whom your teen is allowed to drive.

• Limit the number of passengers in the car. Laughter, music, and cell phones can create serious distractions which increase with every additional passenger.
• Establish and enforce a curfew.
• Insist that your driver (and all passengers) wear seat belts at all times. They may not be cool, but seatbelts save lives. (And, in some states, it's the law.)
• Create a no-cell zone. Talking on the phone is a dangerous distraction on the road for drivers of any age. Know the applicable laws in your county or state, as these are changing rapidly and fines can be significant.
• Consider limiting or supervising your teen's driving privileges during accident high-risk times (such as Friday and Saturday nights).
• Set driving-area limits. If your teen wants to travel outside your town or city, require that he or she request your special permission.
• Prohibit driving under the influence of drugs or alcohol. Prohibit riding as a passenger with a driver who's unfit to drive. Encourage your teen to call for a ride home if needed.

Learn more about Allstate's Teen Safe Driving Program.

Find out more about adding a teen driver to your auto insurance policy by getting a car insurance quote today (it's easy!). Or, you can always contact your local Allstate agent or give us a call at 1-866-621-6900 to get your quote over the phone.

Coverages and discounts are subject to availability and qualifications. Other terms, conditions and exclusions may apply.

This section highlights examples of safety precautions you can consider to help educate your teen on safe driving. Please recognize that a particular precaution may not be appropriate or effective in every circumstance. We encourage you to use your own good judgment about what's appropriate.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/helping-teen-drivers-become-safe-drivers-800347185.aspx Sun, 17 Jan 2010 12:41:14 http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-in-bad-weather-800329844.aspx When the weather changes, so do the road conditions. Anything from rain to fog to snow can affect visibility, how your vehicle handles and the risks for a potential accident. Sometimes, a little extra caution is all that's needed to make sure you get to where you're going safely. Sometimes, it's just as important to recognize when it's too dangerous to be on the road at all, and to stay home.

Here's a quick look at some common poor driving conditions, and things you can do to make driving safer. In all cases, driving slowly enough to allow yourself enough time to stop is a good rule of thumb.

Driving in the Rain

Keep your tires inflated to the right pressure and make sure you've got enough tread.

Turn on your lights and defroster.

Avoid puddles, they could hide potholes.

If you find yourself hydroplaning, don't brake or steer. Stop accelerating until you feel your tires contact the road.

If there is flooding, don't drive through water. It only takes 6 inches to reach the bottom of most passenger cars.

If the storms are severe, avoid power lines, trees and other objects that could fall on your car.

Stay inside your car if there is lightning.

Driving in the Snow

Keep your tires inflated to the right pressure and make sure you've got enough tread.

Clear your car of ice and snow.

Leave at least triple the stopping distance you'd usually need.

Avoid braking suddenly.

If you don't have ABS brakes, pump them if you find yourself in a skid.

Be careful on bridges and overpasses—they typically freeze first.

Don't pass snow plows and trucks.

Driving in Fog

Drive using your low-beam headlights.

Slow down before you reach a patch of fog.

Turn on your defroster and windshield wipers.

Open your window and listen for traffic you can't see.

Don't overdrive your vision. If you can't stop before the farthest point on the pavement you can see, you need to slow down.  http://www.allstate.com/insurance-industry-news/general-safety-and-prevention-tips/driving-in-bad-weather-800329844.aspx Sun, 03 Jan 2010 11:01:46