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When you’re buying car insurance make sure to read the fine print

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Have you ever bought a car you could barely afford, or thought you paid too much? Nobody wants to drive around in a piece of junk, and for many Americans, your car is part of your identity. So, picking just the right one is important. But then you have to figure out how you’re going to pay for it. Maybe you’ve saved up enough cash to purchase your dream ride. Perhaps, you just want to lease. A lot of us get financing from a bank. You put some amount down and drive away with a payment you have to make every month. But that’s not the end of the story. Now you have to get insurance. Everyone knows, you can’t drive off the lot without insurance coverage. Yet, it might not be the first thing on your mind when you’re excited about a new car, or one that is at least new to you. 

In Illinois, it’s mandatory to have at least $25,000 in liability coverage. That is, if you cause a crash, you have to have at least that much coverage on your policy. To be more precise, it’s $25,000 per person and a total of $50,000 per incident. In other words, supposing an Illinois driver caused a crash that resulted in three people being injured. If none of those people bore any responsibility for their injuries, there would have to be a determination on how to divide the $50,000 insurance policy limits of the at-fault driver. If the damages those three people suffered combined to an amount in excess of $50,000, that determination can be complicated. 

We haven’t even mentioned property damage yet. If that car you just bought gets wrecked, how will you pay to get it fixed or to buy a new one if it’s totaled? Illinois doesn’t require you to buy collision coverage. So, if your car is damaged in a crash and you only have liability coverage, you may be left to fend for yourself. However, even if you do have collision coverage, it may not be enough to cover your loss. 

Back in 2008, the mortgage foreclosure crisis was in the news and we all kept hearing a lot about people that were underwater in their homes. What that meant was that people had borrowed more money to buy a house than the house was now worth. So, if they couldn’t pay the monthly note, selling the property wouldn’t fix the problem because they wouldn’t’ get enough from the sale to pay all the money they borrowed back to the bank. They would then be left with no house and an unpaid debt they were still responsible for. 

The same principal works with cars. Only, the reason why you could be left paying back the bank for a car you no longer have isn’t because you didn’t pay your bills. You could have paid every single bill on time and been the most responsible and safe driver. If someone else causes a crash that isn’t your fault, for example, you get rear ended at a stop light after you have been waiting at the red light for three minutes and the person behind you smashes into your rear bumper because he was looking at his phone, having a car that is worth less than the amount you owe the bank will leave you having to pay off a debt for nothing. 

This is because most auto collision policies only cover the value of the car. Supposing you buy a used car that you really wanted, but you don’t have the cash to buy it outright, so you borrow the money from your local back. The bank paid the dealer so you can have use of the car, but the bank still owns that vehicle until you pay them back. Add interest to the deal and the fact that your car continually depreciates in value and you could get into a situation where the fair market value of that car is less than how much you still owe the bank. If that car gets totaled, even if you pay all your bills on time and the crash was not your fault, if your insurance company contract says you only get how much the car was worth at the time of the crash, you still owe on that loan from the bank. 

So what do you do? The obvious answer is to buy a car you don’t have to borrow a ton to get. However, if you’ve already found yourself in the situation described above, talk to your lender. See if you can cut some kind of deal. Talk to the dealership too and see if they can either roll the existing loan into a new finance deal or come up with some other solution within the allowable rules that will allow your bank to help you out. Most importantly, is read your insurance contract and know your money. Educate yourself on exactly how the payment structure will work, how much the car is actually worth, and what your insurance policy covers. Some insurance companies may offer a policy that will allow you to replace your car. Find out. And if you have questions, ask. And lastly, be safe. 

America’s Truck Drivers Can’t Stay Home

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When we think about the people in our communities who definitely can’t work from home, we most often think of emergency room doctors and nurses, and rightly so. However, there are many workers on the front lines in the fight against the spread of COVID-19 who may not be top of mind for most people, yet their contributions are vital to allowing people to get food and supplies in this critical time. 

Whether you’re buying your food and essentials from a store or getting them delivered, those items most certainly spent part of their journey to your home on a truck driven by one of the over 3 million professional truck drivers in the United States. Since most the country is under some form of quarantine order or another, food, essentials, and medical supplies are nearly entirely moved only by professional drivers. 

Some drivers regularly travel thousands of miles as part of a supply chain that keeps grocery store shelves fully stocked. If a driver were to get sick far from home at a time when there is no guarantee of testing, they may be left with few options and they even might get stranded. With so many businesses closed, many drivers will rely on truck stops and travel centers for rest, fuel, essentials, and supplies. In Some cases, these facilities may be the only ones available for drivers who are far from home. 

The National Association of Truck Stop Operators (NATSO), a trade association based in Washington D.C. that represents the truck stop industry keeps a directory of stops and travel centers on their website to make it easier for drivers to locate facilities near them. 

What if a driver gets sick?

Each trucking company is likely to have a different set of policies for its employees. In March, new Federal legislation was signed into law, called the Families First Coronavirus Response Act. The law requires employers with less than 500 workers to provide additional paid sick leave to their employees. Some of the provisions that require employers to provide additional paid leave to an employee situations where an employee has been advised by a health care provider to self-quarantine, or to someone is experiencing COVID-19 symptoms and is seeking diagnosis. There are also provisions requiring higher compensation rates for some employees. However, there are exceptions to these rules given to some smaller businesses whose viability would be jeopardized by enacting these provisions. These new rules are set to expire at the end of 2020. 

The Centers for Disease Control and Prevention (CDC) has issued some guidelines to help delivery drivers stay safe while working. Some of these tips can also apply to long-haul truckers. Additionally, truck drivers should be diligent about taking all the precautions they can to prevent the spread of this virus. 

You’re probably tired of hearing this, but wash your hands: 

Hand sanitizer may be helpful to have in a bind. However, it doesn’t substitute for washing your hands with soap and water for at least 30 seconds. This may seem like overkill, but you should wash your hands every time you get fuel, use the washroom, or before you eat. Just think about how many people touch a fuel pump or use the bathroom every day. In fact, try to avoid things that multiple people come into contact with, like buffet style dining facilities or public computers.

Finally, if a driver does get sick – stop working. You should contact your company’s safety department as soon as you feel ill. Not only are you risking getting someone else sick if you keep working, but it’s also unsafe to operate a rig if you’re sick or fatigued. 

No Need to ‘Hoard’ Groceries Amid COVID-19 Concerns Say Experts – Supply Chain Intact

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Efforts to stop the spread of COVID-19 have put a strain on the transpiration industry charged with getting food and supplies from point A to point B. Many stores quickly ran out of toilet paper when news of confirmed infections began breaking in the United States.

Seeing empty store shelves in a country where we often encounter abundance can seem ominous. People are facing a lot of uncertainty surrounding this pandemic. Many people are out of work and have had to apply for unemployment. Businesses are shut down and there are certainly some that may not recover. This whole situation has the potential of changing our realities, possibly even permanently. 

Fear of the unknown is likely what sent people rushing to their local convenience and grocery stores to buy more toilet paper and paper towels than they will likely use in a year. There was a run on food as well. Grocery aisles emptied out quickly even before the Governor here in Illinois told everyone to stay home. Items with a long shelf life, like rice and pasta went first, along with the inventory of most of your local meat departments. However, it wasn’t long after that stock started to replenish at most stores. The main reason for this is the hard work of our nations professional truck drivers. Thankfully, food production hasn’t stopped, and stores are continuing to receive their shipments of supplies.

After the Governor of Illinois announced the shelter-in-place order, he deemed certain facilities and the people employed by them as “essential,” stating that such would remain open and continue to work. Not only did this category include hospitals and pharmacies, but also restaurants and grocery stores. As a result, professional truck drivers continue to work to deliver supplies to grocery stores and restaurants so that people can get what they need. Additionally, in order to stop others from “hoarding” specific items such as hand sanitizer, soap, toilet paper, paper towels and the like, grocery stores have implemented policies which limit the amount customers may purchase.  

Although there are less vehicles on the road due to the “stay-home” orders local governments have been issuing throughout the country during this pandemic, it is still important for truck drivers to be able to practice safe and careful driving when transporting essential goods. If anything, there are a much higher percentage of semi-trucks driving around trying to get supplies delivered to stores than ever before and the last thing that anyone would want to happen is for these trucks and the drivers to get into a crash and possibly be injured. We need truck drivers to be able to do their jobs. However, they need to be able to do so while still following safety rules, including limits on the hours they remain on duty and still meet the needs and demands of each community. Accordingly, government, as well as private trucking companies, must provide truck drivers the ability to get enough rest and not be overworked in order to avoid driving while fatigued. This would ensure the safety of drivers, both truck drivers and other drivers on the road, as well as the arrival of the cargo professional truck drivers are carrying.

In uncertain times like these when some things may be out of our control, we still need to take all the measures we can to prevent crashes and injuries, not only to protect the supply chains that keep us fed, but to allow our hospitals and medical professionals the ability to focus on treating people suffering from this terrible virus.

People Still Need Food and Supplies – Truck Drivers are Essential and We Need to Keep Them Safe Too

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Many store shelves have been empty with retailers selling out of essentials as people are legitimately concerned over the spread of COVID-19, commonly referred to as coronavirus. While many people are sheltering in place at home, our economy continues to rely on the trucking industry to transport goods wherever they need to go.

Some states have restricted non-emergency travel and imposed curfews. The safety and health of our communities are, of course, foremost on everyone’s minds. Yet, we still need things to get by. This pandemic has brought on a near shutdown of the American economy and, as I write this, Congress is hopefully finishing negotiations over the proposed stimulus package aimed at propping up businesses and protecting household’s savings accounts, as well as people just managing to get by. 

Truck drivers and transportation companies play a vital role in keeping grocery stores stocked and allowing hospitals to replenish supplies. Most every item on a store shelf from produce to paper towels got there on a truck. It is essential that processional truck drivers are able to do their jobs. It won’t be the same as before, of course. Closed restaurants and truck stops will make it hard for drivers to find places to stop to rest or even wash their hands. This is where elected officials in every state need to step in and make sure there are adequate facilities available to drivers and that proper precautions are taken to prevent them from getting sick. 

Although the transportation of essential good needs to continue as uninterrupted as possible, every effort should be taken by trucking companies and government to allow drivers the ability to rest when needed and when the law requires. For instance, federal and state laws prohibit trucks from parking on highway shoulders overnight. States that have taken action to limit business operation and travel, must make accommodations for drivers making cross-country trips that require overnight stops. 

The Federal Motor Carrier Safety Administration (FMCSA) website contains information regarding emergency declarations, waivers, exemptions, and permits for drivers. The site continues information about which states have issued emergency declarations and some of the regulatory information associated with that. In addition to check with the FMCSA, drivers and transport companies should check each state’s website where they intend to travel to make sure they are following all local rules as well. FMCSA has also set up a toll free hotline for questions at 1-877-831-2250.

This pandemic is unprecedented. We will likely continue to deal with not only the health and medical emergency resulting from the spread of COVID-19, but also the economic ramifications, as well as continued restrictions on work and travel. As we move forward, we have to understand that we are all in this together. We should continue to do everything we can to try and keep people from getting sick, but we also need to keep I mind that although we are dealing with an extraordinary situation, we must continue to focus on taking precautions in our normal activity, including getting around from place to place when needed, and moving food and goods where they need to go. 

Staying healthy from the threat of infections is not our only concern. With the spread of this virus a hospital stay resulting from a car crash could increase someone’s risk of coming into contact with a person seeking treatment for the virus. All the more reason for transportation companies and government to work together to make sure drivers are able to follow safety rules and get the rest they need as well as the facilities they need to be able to do their essential jobs properly. 

Pedestrian Traffic Deaths Are At A Ten Year High – Too Much Screen Time Could Be A Cause

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A newly published study by the Governor’s Highway Safety Association, a not-for-profit comprised of the highway safety offices of the 50 states, better known as the organization behind the click-it or ticket campaign, is suggesting that pedestrian deaths in motor vehicle incidents are at a ten year high. The numbers seem to match the claim. Incidents of pedestrian deaths in car crashes are up while other traffic deaths are declining. Therefore, the percentage of traffic fatalities involving pedestrians now comprises a larger percentage than before. These are the worst numbers since 1990. 

Bigger Cars Means More Damage

The study links the fact that there are more SUVs on the road now than before as a possible cause of the increase in fatalities. A heavier vehicle has the potential of causing greater damage than a smaller passenger car like a sedan. Pedestrian deaths involving SUVs went up 50% between 2013 and 2017. 

Vehicle trends are definitely changing. People want bigger cars. Automakers are responding in kind, limiting their offerings for smaller cars in the US. For people with families, purchasing a small car or a sedan is an unlikely choice. People also feel safer in bigger cars. The perception is that larger vehicles offer greater crash safety protection. As other categories of motor vehicle crash deaths decrease, it gets harder to argue against that conclusion. 

There Are More Nighttime Crashes Too

The study points to other factors as well. Nighttime crash deaths are increasing. Pedestrian deaths seem to be increasing in numerous categories. When the publishers looked at nighttime vs. daytime fatalities, instances at night were up 45% from 2008 to 2017, whereas daytime instances went up by 11%. 

Any premature loss of life is tragic. Pedestrians and drivers alike would be well served by keeping an eye out for one another as both groups certainly have the right to travel using surface streets. It’s common sense that anyone who goes anywhere should try and take proper safety precautions. However, the study also looks at population growth as a factor contributing to these alarming statistics. With increasingly bigger cars and more people in a given town, there could be more opportunities where drivers and people on foot will encounter one another, meaning the more that people proceed with caution when going from place to place, the better. 

We Need to Pay Attention to Distracted Driving

One more possible factor contributing to this increase in pedestrian traffic deaths is people not paying attention to the road or where they are going. We certainly have an increasing number of big cars out on the road, but we also have more electronic devices. Screen time has significantly increased since 2008. 

Consumers were first introduced to the iPhone in June of 2007. Since then, the image of a person with their eyes glued to a tiny screen has become ever present. If you ever look around at the drivers next to you when you’re stopped at a red light, unfortunately, it won’t be uncommon for one of those people to be holding up a smartphone.

The evidence against allowing drivers to use handheld electronics is mounting. Illinois, among other states, has passed stricter rules regarding the use of mobile devices behind the wheel. Some researchers have equated using a smartphone while driving as similar to being drunk and getting behind the wheel. Both have been shown to slow down reaction times and decrease our ability to focus on what’s going on outside our windshields. Just think of your own experiences. If you have ever missed a turn because you were having a conversation with a passenger, imagine how poorly you drive trying to send a text message. 

The one thing we all have control over is the use of our phones. Whether you are a pedestrian or a driver, there can be no debate – if you’re looking at a screen, you are not looking where you are going. If you need to check your phone, the best thing to do is go to a safe place. If you’re driving, find a safe place to pull over. If you’re walking, find a safe place to stop. When it comes to injuries or death, none should be the result of smartphone distraction. 

2020 International Roadchecks Have Been Set for May Fifth Through the Seventh

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The Commercial Vehicle Safety Alliance (CVSA) an organization that includes both local and national government officials in North America, as well as industry representatives, will be conducting its International Roadcheck this year on May 5-7. The Roadcheck is an initiative meant to focus attention on the importance of commercial vehicle safety through a 72 hour marathon of roadside vehicle inspections throughout North America. 

Inspectors will be checking both vehicles and drivers. They will conduct driver interviews, review documents, and check their records and inspection reports. Inspectors will also be looking for signs that a driver may be ill or fatigued, and whether the driver displays any signs of drug or alcohol abuse.

The inspectors will also conduct vehicle inspections to make sure drivers are operating a properly maintained rig. CVSA inspectors will be placing decals on vehicles on which no critical violations are found during their Level I or Level V inspections. However, inspections that do reveal critical violations may be rendered out of service until any violations are corrected. 

Some drivers or motor carriers may decide they want to sit out the inspections all together. If you stay off the road in early May there is less of a chance of having to go through an inspection. However, not driving to avoid getting checked is not only unsafe it is also a bad business move. 

If you’re not driving, you’re not earning. The purpose of running any efficient transportation business is to make a profit. With plenty of time and a warning of upcoming inspection dates, drivers and motor carriers can prepare to make sure all their logs, records, licenses, certifications, and vehicles are in proper order. A vehicle that doesn’t pass and is put out of commission cannot produce an income. A vehicle that has violations but is hidden from inspectors creates a great safety risk to professional drivers and to the public who use the roads. When a crash happens, you can be certain that there will be law enforcement, government officials, and lawyers scrutinizing over records and conducting inspections to find violations. In these situations, the risk of being put completely out of business is a real consequence that motor carriers can face. Even if the majority of a given company’s fleet is violation free, the part that is not can result in a shutdown. 

Chances are that everything we see around us from goods, food, to furniture got to where it is at least in part by a truck. Commercial motor carriers are operating in a business that holds definite risks to public safety and property damage when people do not follow safety rules. If motor carriers or drivers do not follow safety rules and a crash occurs, government inspectors can cause the whole operation to be shut down. Crashes can also lead to insurance rates skyrocketing, making it too expensive to keep the business running. 

Public safety is not the only concern when it comes to operating a commercial trucking company. IF a driver gets hurt as the result of an unsafe truck the company that driver works for can incur costs for worker’s compensation and will be short a driver. Additionally, vehicles are expensive. It costs money to fix or replace a damaged truck. Taken as a whole, it will certainly be less expensive to properly maintain a fleet of vehicles and follow all the proper safety rules rather than to cut corners. It’s much less expensive to stay safe than to recoup after a crash. Of course, your life and health are priceless.