WRECK-LESS DRIVING ©
WRECK-LESS DRIVING]©
by Gunther Doerfert, Auto Safety Columnist
HAD A CRASH LATELY?
LOS ANGLES, CA.: Isabel X. sent a postcard stating that at the young age of 75 her California auto insurance premiums jumped unacceptably high. She wants to know what she can do about this now.
Completing a defensive driving class can lead to lower premiums. The California legislators have given its drivers a no tax cost benefit of an additional premium reduction for completing an approved safe driving program. In recent years hundreds of thousands of CA seniors have done this and became safer drivers, too. Over 6,100,000 CA older drivers are eligible for this insurance incentive program.
Insurance companies say they have statistics which show that once an older person has a crash, their fault or not, they probably will have more. And others say that an older driver with a clean record will probably have a crash and the higher premiums merely anticipate this.
On the average, older driver's crashes happen in good weather, dry pavement, straight roads, and at intersections within 15 miles of home. Almost all of these are at lesser speeds than similar collisions of younger drivers. More than one vehicle is involved and there is less serious property damage than for younger drivers. However, older persons are more fragile, more seriously injured, and much slower to heal (if ever). These more costly results lead to higher insurance premiums. Interestingly, those older drivers with the most crashes do a lot of nighttime and bad weather driving. Also they have more medical/physical infirmities.
GHD100 all rights reserved
by Gunther Doerfert, Auto Safety Columnist
HAD A CRASH LATELY?
LOS ANGLES, CA.: Isabel X. sent a postcard stating that at the young age of 75 her California auto insurance premiums jumped unacceptably high. She wants to know what she can do about this now.
Completing a defensive driving class can lead to lower premiums. The California legislators have given its drivers a no tax cost benefit of an additional premium reduction for completing an approved safe driving program. In recent years hundreds of thousands of CA seniors have done this and became safer drivers, too. Over 6,100,000 CA older drivers are eligible for this insurance incentive program.
Insurance companies say they have statistics which show that once an older person has a crash, their fault or not, they probably will have more. And others say that an older driver with a clean record will probably have a crash and the higher premiums merely anticipate this.
On the average, older driver's crashes happen in good weather, dry pavement, straight roads, and at intersections within 15 miles of home. Almost all of these are at lesser speeds than similar collisions of younger drivers. More than one vehicle is involved and there is less serious property damage than for younger drivers. However, older persons are more fragile, more seriously injured, and much slower to heal (if ever). These more costly results lead to higher insurance premiums. Interestingly, those older drivers with the most crashes do a lot of nighttime and bad weather driving. Also they have more medical/physical infirmities.
GHD100 all rights reserved
posted by WRECK-LESS at Saturday, January 07, 2006
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