Posts tagged with "driver’s license"

Safety Score

Autoliv, Inc. (NYSE: ALV and SSE: ALIVsdb), the worldwide leader in automotive safety systems, today introduced Safety Score by Autoliv, a smartphone application with the goal to make people of all ages become safer drivers.

Once downloaded and when active, Safety Score monitors real-time driver behaviors and compares it against Autoliv’s proprietary data algorithms and known causes of accidents and provides the user with a personalized 3-digit safe driver score. The higher the score the more safe-driving behaviors the driver exhibited over an array of data points including turning, acceleration, braking, speed and distractions. The app also collects and compares data on weather, type of roads driven on, time of day and trip duration.

“Today, nearly 1.4 million people die in traffic fatalities every year and that number is expected to increase,” said Cecilia Sunnevång, Ph.D., Autoliv Vice President of Research. “Autoliv has been collecting, studying and acting on accident data for 65 years and we believe the road to saving more lives includes improving driver behavior. Safety Score, when used regularly provides a unique understanding of an individual’s safe-driving patterns and provides a framework for coaching and improving safe-driving habits.”

Christoffer Malm, Autoliv Director of Digital and Mobility, added that having a personalized safety score based on individual driving behavior could also be used by ride-hailing, taxi, limousine and other fleet and professional driving companies to provide an objective picture of a user’s safe-driving habits and provide a platform for evaluating and improving driving behavior. Additionally, a personalized Safety Score based on individual driving behavior could also be used to reduce insurance costs.

“Many usage-based insurance programs collect vehicle data and score based on the performance of a vehicle, which often has multiple drivers, so driving behavior reported back to the insurance company isn’t personalized,” he said. “Safety Score assesses individual driving behavior – regardless of the vehicle driven – and provides a personalized score that could be used to determine an individual’s safe-driving behavior. The individual could then share this information with the insurance company to reduce costs.”

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TIPS TO BECOME A BETTER DRIVER

With more than 250 million vehicles on the road in the USA alone, there is a ton of traffic. Most people will drive at least once a day. With only arbitrary lines and lights keeping us in the right lanes and letting us know where to go, it is largely up to the skills and knowledge of drivers to keep everything safe and efficient.

Unfortunately, it is common for people to overestimate their driving skills. In reality, a large portion of us are pretty bad drivers. With that in mind, this article is going to look at a few different tips to become a better driver.

Scan Ahead and Be More Aware

When many people drive, they simply look at the car in front of them and drive based on what that person does. However, this means people often don’t have any idea what is taking place further down the road. Instead of starting right in front of you, you should try looking about 10-12 seconds down the road.

This will help give you more time to see and prepare for potential roadblocks or accidents. In addition to looking ahead, you need to be more situationally aware of things that are happening around you. You need to know how much space you have around your car, how other cars are behaving, and what’s taking place in your blind spots.

Brush up on Skills and Knowledge

For many of us, we haven’t really honed our driving skills since we took our introductory drivers tests when we were a teenager. This means most of us have likely forgotten important rules of the road. As a result, we should be sure to frequently brush up on our knowledge and practice important skills from time to time.

This can be done a few different ways. You could potentially take a driver training course or just use a helpful online resource to help you learn and then go driving and apply what you have learned. If you are interested in using an online resource to brush up on your skills, be sure to check out this link: The Ultimate Guide for Drivers! DMV & More | DrivingGuide.com

Keep Your Mirrors Adjusted

Your side and rear-view mirrors are the most important aspects of your vehicle in keeping you safe. While most people will position their side mirrors so they can see the edge of their car, that isn’t really necessary as your rear-view should have that covered. Instead, these side mirrors should be used to illuminate as many of your blind spots as possible.

While completely eliminating blind spots just isn’t possible, you can greatly reduce them by positioning your side and rear-view mirrors correctly. Of course, in addition to positioning them well, you should also be sure to use them and check them frequently.

Remove or Minimize Distractions

With the advancements in technology and the fact that almost everyone has a cell phone in their pocket, distracted driving is on the rise. While these technologies help us in so many ways, they are also one of the leading causes of car accidents. In fact, experts believe that cell phone usage while driving leads to over 1.5 million crashes every year.

These types of accidents are nearly 100% preventable and part of being a good driver is reducing these distractions. You should keep your phone tucked away, keep your eyes on the road, and your hands on the steering wheel at all times.

Hopefully the tips included in this article can help you become a better driver and keep yourself (and the other drivers around you) safe.

Finding The Cheapest Car Insurance

With many car insurance companies nowadays, it can be confusing and overwhelming to find the best one among them. Now, you can compare quotes from different insurers and save your precious time and cash from looking for the best offer around. Speaking of savings, you can find cheap car insurance from Money Expert!

When it comes to cheapest car insurance in the UK, Money Expert is the one to trust. In fact, Money Expert is rated 9 out of 10 based on more than 4,500 Trustpilot reviews. To get the cheapest car insurance quote, the following details should be provided by you:

•    Personal details (ex. age, occupation, driver’s license details, etc.)

•    Vehicle information (ex. number plate, model information, etc.)

•    Claim history (ex. accident claims, etc.)

•    Other drivers’ details

•    Policy type

•    Voluntary excess

How to find the cheapest car insurance

Car insurance is important mainly because we will never know what may happen in the future. However, shopping for the cheapest car insurance can be quite tricky. That is why it is important to know the basics of getting vehicle insurance in the first place.

Aside from having a clean driving record, older age, and more protection coverage, there are other factors that can affect car insurance costs. Furthermore, here are other tips on finding the most affordable insurance around.

1. Review your current policy every 6 months

With the current insurance market competition going on, there can be a possibility of an increase in rates due to the ongoing demand. On the other hand, some companies may sneakily increase their rates without you noticing it. That is why it is advisable to review your policy every six months to avoid these surprise rate hikes.

2. Pay on time

Paying on times means no penalties and thus no extra charges for you. More so, you can also consider paying your premiums yearly instead of monthly to save up to a hundred dollars.

3. Be on the lookout for discounts and coupons

Some insurance companies offer discounts and coupons, given that you comply with their conditions. More often than not, these can help you save extra dollars and unlock those “secret” deals you may not know all along.

4. Know that the bigger and more expensive your vehicle is, the higher your premium is

If you are looking for more affordable vehicle insurance, you may want to consider choosing or downsizing into a smaller car. On the contrary, it’s less likely you’ll find a cheap car insurance if you have a truck or SUV.

5. Consider using comparison websites

These include reliable websites such as Money Expert that will help you choose the cheapest car insurance around. By comparing cheap car insurance from Money Expert, you can see different quotes from more than 90 policy providers in the country. From there, it can help you make a decision by choosing the most affordable vehicle insurance from the lot and save you some extra cash.

The above tips are some of the best ways to get an affordable car insurance. Visit Moneyexpert.com to get a free quote today.

Moving to a New State With a Car? Here Are 7 Tips to Have a Smooth Transition

According to the American Moving & Storage Association, 11.2% of Americans moved in 2015-2016. That comes out to 35.1 million, or 15.3 million households with 2.3 persons per household. If you’ve ever moved, you know how hectic it can be: packing, unpacking, and getting settled in. It can be even more stressful when you’re moving to an entirely new state. On top of moving and getting acquainted with your new home, you also have to apply for a new driver’s license, update your auto insurance, and register your vehicle. You also need to know when to renew your driver’s license in your new state. To help make the transition as smooth as possible, here are seven tips you should know when moving to a new state.

1. Find Your New State’s DMV. If you move to a new state, you must apply for a new driver’s license. Most states require you to apply for a new license within 30 days of becoming a resident. If you are a student, however, you most likely do not have to apply for a license in the state where your college or university is located because you’re not considered a resident. Because you’re a new resident, the state will probably require you to visit the DMV in person. To save yourself time, you can go online and find your local DMV branch. There, you can locate basic information, including the address, office hours, services offered, how many days you have to apply for a driver’s license, when you’ll need to renew your license, and what documents you’ll need to apply for a new license. To save you even more time, some states, such as Washington allow you to pre-apply for a driver’s license online.

2. Apply for a New License. Once you’ve found your local DMV, you’ll need to apply for a new license. In most cases, this is a simple trip to the DMV where you have your picture taken and pay a small fee, as long as you have the following.

  • Your valid out-of-state license that contains a picture. If your license is suspended or revoked in another state, you can not apply for a new driver’s license
  • Your Social Security Number
  • Proof of residency (a utility bill or bank statement)

Some states also require that you take a vision test or written exam on state driving laws. Again, visit your state’s DMV website to find out the exact documents andrequirements you need to obtain a new driver’s license.

3. Register Your Vehicle in Your New State. While you’re at the DMV, you might as well go ahead and register your vehicle in your new state. If you own your vehicle, this shouldn’t be a hassle. Simply bring your title and proof of insurance, and pay a small fee. Other states do require that your vehicle pass an emissions test and vehicle safety inspection.
If you’re financing or leasing a vehicle, this can be a little more complicated since you don’t have the title. In this case, you need to contact your lender and ask them to mail the title to your local DMV. After they register your vehicle, the DMV will mail the title back. Because each state has different laws, visit your state’s DMV website to locate the specific process for registering your vehicle.

4. Update Your Auto Insurance Policy. Insurance requirements vary from state-to-state. Most require you to have minimum coverage, while some allow you to pay an uninsured motorist fee. Regardless of the exact laws, if you want to avoid any financial or legal repercussions, make sure to call your current insurance company to update your policy. Your insurance company should be able to connect you to an agent licensed in your state to help you determine the right policy you’ll need.

5. Register to Vote. If you want to participate in elections your new home area, you’ll need to register to vote. Thankfully, when you’re at the DMV, you can also register to vote in your new state.

6. Surrender Your License Plates. When moving to a new state, your previous state might require you to surrender your license plates. You can do this by dropping them off at the DMV or mailing them back to the DMV. This ensures that you don’t have to pay extra in property taxes. In some situations, you might also be able to receive a refund for any overpaid taxes and registration fees, but you’ll need to contact your county clerk to handle the matter.

7. Renew Your Driver’s License in Your New State. Now that you have your new license, the driver’s license renewal process in your new state is fairly straightforward as long as don’t let your license expire or have it suspended.
Depending on the state, your new license will be valid for 4 to 8 years. If you aren’t sure of the exact date, you don’t need to panic because you’ll receive a renewal notice in the mail. After you’ve received the notice, you have the option to renew your driver’s license in person, by mail, or online by providing the same documents you used to apply for your new license. If you’re in the military and stationed out of state, you can renew your license by phone or by asking for an Extension of License for Person in Armed Forces card. And, don’t forget to have a credit or debit card or check to pay the driver’s license renewal fee. The amount varies from state to state, but your renewal notice should state the amount you owe. If not, contact your state’s DMV.

For more info visit https://www.moving.org/newsroom/data-research/about-our-industry/

What Should I Do after I’ve Been in a Traffic Accident?

Going through a traffic accident is a traumatic experience that can leave a lasting effect on you and your car, which might need serious collision repair after the accident. If you’ve been involved in a car crash, a surge of adrenaline is the first thing you are going to feel. After the initial kick it gives, you are left in shock and slowly start putting the pieces together.

After the shock has subsided, you are left in a very unfavorable situation of clearing up the mess. But not everyone knows who to call first, what to do and when to leave the accident. If you find out that any party has sustained an injury you need to contact the emergency services immediately.

If both parties were fortunate enough to avoid any serious injuries, this article will explain the steps you need to take immediately after an accident.

Clear the Traffic and Call the Authorities

Once you’ve made sure no one got hurt in the accident, you should move the vehicles from the road to avoid disturbing the traffic if they are still drivable. Park the vehicles and turn the engines off. If you won any safety items like warning signs or cones, set a perimeter around the vehicle. Even if your injuries might not be apparent, you might have sustained an injury like a whiplash that might not manifest right away. That’s why if you feel any pain or discomfort, stop moving until the emergency arrives. Contact the police even if the damage is minor. Their report is crucial for the insurance claim.

Exchange Information with Other Participants

After the collision shock subsides, you should make sure you exchange all the information with other participants in the crash. This information includes:

●Names and contact information
●Vehicle description including model, year and color
●License plate and drivers’ license numbers
●Insurance Company information
●Accident scene address or location
●Witness’ names and contact information
●Police officers’ name and badge ID.

Try to be polite and respectful, but never admit fault until the police have finished their report. If you have a good phone camera, take pictures of the vehicles that were involved in the crash. Make sure to get good shots of the damage and the scene. Don’t sign anything unless the police or your insurance company agents ask you to.

Contact Your Insurance Company

Before departing from the scene where the accident happened, make sure to contact your insurance company representative or agent. Be as honest as possible because you risk your claim being denied if it turns out you were lying. If you can safely drive away from the accident in your car, let the insurance
company know that. If not, the company will refer you to a towing company and probably recommend a respectable collision repair service to take care of the damage to your car.

If you are found at-fault for the accident, you will have to pay the deductible stated on the insurance policy once you’ve picked your car up at the body shop. If however, you believe the other driver was at fault don’t agree to close the insurance claim but hire an experienced attorney to represent you instead.