The goods movement through road is always increasing within state or inter-state level. There are more and more accident occurs on the road due to heavy trucks movement. Looking to this fact the truck insurance is essential. There are different coverage provide by the insurance company to the truck cargo industry. In majority of the accidents the third party are always get more damage than the truck, and the truck cargo company has to bear the financial losses. In that situation the truck insurance company give protection by offering the third party coverage under primary liability coverage. There are five reasons for selecting the primary liability coverage such as: 1. The primary liability coverage give protection from the third party damage or injury incase any accident occurs. 2. The primary liability coverage is made compulsory by state and federal agency so the truck cargo company must have to give evident of coverage to the state and federal agencies. 3. The insurance company provides third party coverage from $35,000 to $1,000,000. The premium is depends on area, records of driving, and year of the company in operation. Policy limits are for operations with trucks over 10,000 gross vehicle weight needs $750,000 policy coverage. This limit is set by the FHWA on interstate travel that compare with the various States. 4. The primary liability coverage gives full protection for the third party injury or damage so the company may save money in case of major accident take place. However the premium is high but the protection is greater. 5. The primary liability coverage is made compulsory by the State and Federal agencies, it is essential for the large truck fleet operating companies because if more accident occurs the company could not be able to cope up the financial losses. It is utmost essential to have the proper third party coverage because there are greater chances of road accident and damage to the third party that's why the State and Federal agencies mandate the primary liability coverage. It is not the burden but protection from huge losses some time.
Got a call you just have to make on your cell phone while driving your car? Better be sure that your liability insurance and collision coverage are in good shape with your insurer. And, if you're the parent of a newly driving teenager who is also armed with his or her own cell phone, you need to be especially sure that your car insurance for a young driver is up to date, because the chances are very high that you'll need it for the inevitable fender-bender, which can also mean good-bye to affordable car insurance.
Talking on the cell phone while driving has created a new ?unsafe at any speed? situation on the modern highway. A study by the Insurance Institute for Highway Safety, based in Australia, confirms this with their findings that drivers distracted by yapping on their cell phones while driving are four times more likely to become involved in accidents. Not only does cell phone usage cut down on a driver's ability to hear what's going on around him (such as sirens, car horns, people, etc.), it also takes a driver's attention away from the road.
Add to that statistic the findings of another study by the University of North Carolina, the University of Utah, the University of Illinois at Urbana-Champaign, and the University of Rhode Island that show a person's driving skills while simultaneously talking on a cell phone equate driving while under the influence of alcohol, and you have some pretty significant reasons to be nervous when out on the road. Furthermore, researchers at the University of North Carolina discovered that drivers talking on their cell phones are twice as likely to rear-end the car in front of them as drivers who aren't using phones. However, researchers at the University of Illinois at Urbana-Champaign proved that conversations among occupants in a car produce no similar distraction.
Unfortunately, there doesn't seem to be a single solution to the prevalent ?driving while on the phone? problem. Studies show that banning hand-held phones and opting for hands-free mobile phone technologies, such as headsets or Bluetooth ear buds, do not necessarily improve driving safety.
The only real solution to this problem would be to simply turn cell phones off while driving so you won't be tempted to answer that phone call. But, human nature being what it is, this doesn't seem likely to happen on its own. A survey by Nationwide Mutual Insurance revealed that 73 percent of all drivers talk on their cell phones while driving. As a result, several states, including Virginia, Connecticut, New Jersey, New York and Utah, as well as the District of Columbia, have passed laws prohibiting the use of cell phones while driving. Similar laws in California and Washington will go into effect in 2008. Several more states have laws that ban or restrict young drivers from using their cell phones while driving, and in some places authorized personnel can even issue citations for a DWT: Driving While Texting.
Both Katie George & Ryan Patterson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.