May 22nd, 2013 at 11:10 am    
Do you suffer from Buckle-phobia?
If so, there is only one clinically proven solution: the seat belt. “Recent studies show that wearing one inside a safety belt enforcement zone means you won't feel the side effects of a $65 ticket. Three out of three officers agree,” states a Click it or Ticket it ad campaign.
Beginning May 20 through June 2, Michigan will participate in the national campaign: Click it or Ticket. There will be safety belt enforcement zones, marked with a large portable sign, spread across the state searching for those with “Buckle-phobia.”
In 2008 and 2009, Michigan led the nation in seatbelt use, but has declined over the past few years. In 2012, seat belt use was at 93.6%, however, almost half of all people killed in vehicle accidents were not wearing seat belts.
Over 8 thousand seatbelt tickets and over 200 child restraint tickets were issued in Click it or Ticket enforcement zones last year.
Michigan law requires all drivers and passengers 15 and younger in any seating position to be buckled up. Children must be in a car seat or booster seat until they are 8 years old or 4 feet 9 inches tall.
So don't be caught with Buckle-phobia this Memorial weekend! Buckle up!
For more information visit:
|
May 21st, 2013 at 12:57 pm    
In 2011, Michigan held the ranking for highest auto insurance rates in the U.S. State lawmakers from Detroit are trying to end that trend with proposed bills that will lower insurance rates.
Michigan has a no-fault insurance policy which guarantees personal injury protection payments to those injured in auto accidents.
Gov. Rick Snyder and other Republicans believe that the no-fault policy boosts insurance premiums and have created a plan to cap insurance payments at $1 million. They say this plan will reduce rates by $125 per vehicle for one year, with possible reductions in the future.
However, members of the Detroit Democratic Caucus say that the no-fault policy is only a small contributor to insurance rates.
State Representative Phil Cavanagh is proposing legislation that would restructure the MCAA board to focus on public interests rather than insurance companies.
There are additional proposed bills that would require insurance companies to explain rate increases and stop insurance companies from sending vehicles to collision shops they own.
For more information please visit:
|
April 22nd, 2013 at 1:54 pm    
REMINDER to Michigan drivers and motorcyclists: the Michigan Catastrophic Claims Association (MCCA) will be increasing the annual premium by 6 percent beginning July 1, 2013. The premium for Michigan motorists and motorcyclists will go from the current $175 to $186.
The MCCA is a non-profit association that has been in place since 1978. The purpose of the association is to reimburse auto insurers for personal injury protection benefits that stretch beyond $500,000. With the 6 percent increase come July, the threshold will reach $530,000. Michigan is currently the only state that provides unlimited lifetime medical care for auto accident related injuries under no-fault, (Michigan Catastrophic Claims Association increases rates amid discussions on changing no-fault auto insurance, Melissa Anders, Mlive.com, http://www.mlive.com/business/index.ssf/2013/03/michigan_catastrophic_claims_a.html).
As the number of claims over $500,000 increases, so does the MCCA premium. The current $175 premium for 2012 represents a $30 increase from 2011. Factoring in the recent 6 percent hike yields an overall 21 percent increase from 2011 to 2013. Last year, a total of $947 million was paid out on catastrophic injury claims. Since 1979, there have been more than 29,470 claims filed, resulting in $9.9 billion paid out (Michigan Catastrophic Claims Association increases rates amid discussions on changing no-fault auto insurance, Melissa Anders, Mlive.com).
The majority of these claims include brain and spinal injuries resulting in permanent disability to the injured.
As the MCCA premium continues to rise, lawmakers look to a no-fault reform in Michigan.
|
February 5th, 2013 at 10:10 am    
Don't be fooled by the most recent phone and email scams in Michigan. The newest one is a person who claims to be from a local court calls to inform you that you have missed a jury date and there is now a bench warrant for your arrest, which can all be avoided if you pay $500 by credit card. Yes, when reading scenarios involving scams it may seem obvious, but the callers use intimidation techniques, panic sets in, and it can happen to anyone.
There have been a few variations of this scam going around Michigan, says State Court Administrator Chad C. Schmucker, but the most recent has been in Muskegon County, (Beware of scam phone calls, e-mails, Ingham County Legal News, http://www.legalnews.com/ingham/1372297/).
Should you receive a call like this, protect yourself by:
- Be suspicious of any calls, e-mails, or texts who claim to be a court official.
- Another hint it's a scam, if they ask for your social security number to avoid arrest.
- Be leery if they ask for immediate payment to avoid arrest.
- Do not give out any personal information such as social security, bank or credit card information.
- Report any suspicious active to the authorities and call the court that the caller is claiming to be from. Besides attempting to scam victims out of money, callers can also be charged for posing as court officials.
|
January 9th, 2013 at 3:50 pm    
Do you have a new teen driver in the house? Then there's a new Michigan law that will affect you and your teen. This past Tuesday Gov. Rick Snyder signed Kelsey's Law, which prohibits new teen drivers from using a cellphone while on the road.
The law was developed in response to the death of Kelsey Dawn Raffaele, a 17-year-old from Sault Ste. Marie. Back in 2010 Kelsey crashed her vehicle while on her phone and attempting to pass another car on icy roads, resulting in her death.
The new law states that drivers with a Level I or a Level II graduated license are banned from holding a cellphone while behind the wheel. There are however exceptions, using the voice operation-hands free option on a phone to make urgent calls such as reporting traffic accidents, crime, or medical emergencies is allowed.
This law accompanies the one already in place in Michigan where all drivers are prohibited from texting and using the internet while driving. For the first offense drivers will be fined $100, any additional will be $200.
Kelsey's mother Bonnie Raffaele has been traveling throughout Michigan since Kelsey's death to speak to high school students about the seriousness of distracted driving. Raffaele has also formed “KDR Challenge”, which not only stands for her daughter's initials, but also “Kids Driving Responsibly.” Raffaele says of the newly signed law, “I know that Kelsey is up in heaven just clapping and screaming for joy over this because of the lives that can be saved through the tragic death of hers,” (New Michigan law prohibits teens from using cellphones while driving, Chad Livengood, Detroit News, http://www.detroitnews.com/article/20130109/POLITICS02/301090358).
Kelsey's death hit home for Snyder not only because his own daughter is named Kelsey, but also because she just got her license back in August; “this is one that strikes our hearts in terms of making a difference in people's lives,” (New Michigan law prohibits teens from using cellphones while driving, Chad Livengood, Detroit News).
|
December 20th, 2012 at 10:26 am    
Start off 2013 with an improved Driving Record! Whether you have a few points on your license or received a minor traffic violation the Michigan Education Intervention Program (EIP) can help you obtain a better driving record.
The EIP has created both an in classroom and online program, the Basic Driver Improvement Course, which can help drivers keep points off their license and potentially decrease insurance rates. Those eligible for the course are those that:
- Received an eligibility letter from the State of Michigan.
- Received a minor traffic ticket (not a criminal offense).
- Hold a valid, non-commercial driver's license
- Have 2 points or fewer on their driving record.
- Received a violation of 3 points or fewer, NOT for careless or negligent driving.
- Have NOT completed the program before.
- Does NOT have a restricted or suspended license.
The Michigan EIP site provides a rundown of the course as well as pricing, but also an explanation of how to read a Driving Record. A Michigan Driving Record contains such information as traffic violations, civil infraction determinations, failure to answer court judgments, accidents and license withdrawal actions or restrictions on driving privileges.
For more information on the course or to see a sample Driving Record visit the Michigan EIP site at http://eipmichigan.com
|
October 29th, 2012 at 4:27 pm    
If you're in the path of Hurricane Sandy and are not evacuating it's vital for you and your family to have supplies, prepare your home, and have a plan. Below is a list of supplies and preparations to keep you and your family safe during the storm.
To Prepare You, Your Family, and Your Home:
-Clean out gutters to avoid water backup.
-Use hurricane shutters or boards for windows & doors- use 5/8 inch plywood.
-Bring all outside items in before the wind gets them i.e. toys, patio furniture, etc.
-Be sure to get your fridge to the coolest setting in case you lose power. This will hopefully keep your food.
-Fill your tub up with water.
-Make sure to have a full tank of gas in your vehicle(s).
-Have an evacuation plan if necessary i.e., axe in the attic in case of flood.
-Have all important items/documents in waterproof containers such as Social Security cards, passports, birth certificates, etc.
-Unplug all small appliances.
-Download an app on your phone to notify others of your location and if you need help, such as the Red Cross's Hurricane App or their First Aid App.
CNN's Supply List:
-Water:3 day supply, one gallon per person per day
-Food items such as: canned meats, fruits, vegetables, and juice. Peanut butter & jelly, salt-free crackers, protein bars, trail mix
-Can opener
-Flash lights
-Batteries
-Radio
-First aid kit
-Medications
-Vitamins
-Multipurpose tools
-Cell phone and charger
-Sleeping bags
-Cash
-Map
-Pet & baby supplies
-Rain gear & plastic sheeting
-Extra set of keys
-Duct tape
-Activities for children
What to expect in the next 24-28 hours:
-Winds up to 74mph
-Rain 8-12 inches, mostly in the Delaware, Maryland, Virginia & New Jersey area.
-Several feet of snow
-Delayed impact
|
August 31st, 2012 at 12:34 pm    
Whether you'll be the one driving kids to school, your kids, now teens, will be driving themselves to school, or even if you're not a parent, the school season is upon us which means buses will be back out in full force and more traffic on the morning commute. Keep youself and others safe this school season by following these road safety tips.
School buses
- Flashing Yellow Lights. When you're approaching a school bus that has flashing yellow lights it is to alert drivers on the road that it preparing to stop to either pick-up or drop of children. Drivers are to proceed with caution.
- Flashing Red Lights. A bus using flashing red lights to alert drivers that the bus has stopped and is letting children on or off the bus. Drivers are to STOP. Once the flashing lights are turned off and the bus begins to proceed, it is then ok for drivers to proceed as well. If a driver violates this law there can be serious consequences, such as a traffic fee or even 100 hours of community service to be served at the school. Please see the full version of the law below:
- 257.682 Stopping for school bus displaying flashing red lights; exception; violation as civil infraction; meeting stopped school bus on divided highway; evidence; community service.
- Sec. 682. (1) The driver of a vehicle overtaking or meeting a school bus which has stopped and is displaying 2 alternately flashing red lights located at the same level shall bring the vehicle to a full stop not less than 20 feet from the school bus and shall not proceed until the school bus resumes motion or the visual signals are no longer actuated. At an intersection where traffic is controlled by an officer or a traffic stop-and-go signal a vehicle need not be brought to a full stop before passing a stopped school bus, but may proceed past the school bus at a speed not greater than is reasonable and proper but not greater than 10 miles an hour and with due caution for the safety of passengers being received or discharged from the school bus. The driver of a vehicle who fails to stop for a school bus as required by this subsection, who passes a school bus in violation of this subsection, or who fails to stop for a school bus in violation of an ordinance that complies with this subsection, is responsible for a civil infraction. (2) The driver of a vehicle upon a highway which has been divided into 2 roadways by leaving an intervening space, or by a physical barrier, or clearly indicated dividing sections so constructed as to impede vehicular traffic, need not stop upon meeting a school bus which has stopped across the dividing space, barrier, or section. (3) In a proceeding for a violation of subsection (1), proof that the particular vehicle described in the citation was in violation of subsection (1), together with proof that the defendant named in the citation was, at the time of the violation, the registered owner of the vehicle, shall constitute in evidence a presumption that the registered owner of the vehicle was the driver of the vehicle at the time of the violation. (4) In addition to the civil fine and costs provided for a civil infraction under section 907, the judge, district court referee, or district court magistrate may order a person who violates this section to perform not to exceed 100 hours of community service at a school.
- Make sure to not block crosswalks. They are there to allow pedestrians a safe route when crossing traffic.
- Obey school speed limit zones. Children may not stay in the designated crosswalks, so it's important to be at the appropriate speed to give you enough time to react should a child dart in front of your car.
(National Safety Council, Itasca, IL., Back to School: Safety tips for motorists.
http://www.nsc.org/safety_home/SafetyObservances/Documents/
Back%20to%20School/Back%20to%20School%20Safety%20Tips%20for%20Motorists.pdf).
If you have children
- Talk to them about traveling to and from school safely. Stress the importance of using the crosswalks and sidewalks.
- When traveling with children in the car make sure they are all belted in appropriately. The National Highway Traffic Safety Administration recommends for babies infant-only or rear-facing convertible seats with harness straps at or below the shoulder. Children over one year and between 20-40 lbs should ride in a convertible/forward facing seat with harnesses at or above the shoulders. Children ages eight and older should be in forward-facing booster seats with the seat belt fitting low and tight across the lap or at the upper tight and chest.
(Jiffy Lube, Safety Tips for Back to School, http://www.jiffylubeca.com/safety_tips_back_to_school.php).
Teen drivers
- Set restrictions on the number of passengers allowed in the car at one time. According to the Insurance Institute for Highway Safety, just one passenger increases a teen's chance of an accident by 48%.
- No cell phones! The National Safety Council reports that 23% of all accidents a year involve distraction from a cell phone.
- Seat belts are not optional. Buckling up can reduce the risk of accident related injuries by 50% according to the National Highway Traffic Safety Administration.
(National Safety Council, Itasca, IL.
Teen Driving Safety: Graduate Driver Licensing saves lives.
http://www.nsc.org/safety_home/SafetyObservances/Documents/Back%20to%20School/Teen%20Driving.pdf).
Following these simple tips will keep you, your kids, and others safe this school season.
|
August 10th, 2012 at 3:57 pm    
Driving someone else's vehicle without direct permission may not seem like a big deal, however if that quick ride results in an accident it could become a big problem. Recently the Michigan Supreme Court ruled in favor of the insurance companies on two different cases where the drivers got in an accident while driving a vehicle without permission of the owner.
In Kent County a man without a driver's license convinced his girlfriend who was driving his father's car to allow him behind the steering wheel which ended up in a collision. In Ottawa County a man who was no longer covered under his wife's insurance drove her car resulting in an accident, (Insurers win Supreme Court case over rogue drivers, Associated Press, Detroit Free Press, http://www.freep.com/article/20120731/BUSINESS06/120731084/Insurers-win-Supreme-Court-case-over-rogue-drivers?odyssey=mod|newswell|text|Michigan%20news|s).
In both cases the Supreme Court overruled the decisions that were made by the state appeals court which declared they would have been eligible for insurance benefits.
So what does this mean for you? If permission is questionable, don't drive it! It's not worth the risk of becoming injured in an accident and those injuries not being covered by insurance.
|
July 26th, 2012 at 4:15 pm    
As Michigan's weather heats up so does car theft! To combat it? More H.E.A.T!
H.E.A.T. which stands for Help Eliminate Auto Thefts, is a Michigan statewide program formed for the prevention of vehicle theft. The hotter months are known for being car theft season as reported by the FBI. To give you an idea back in 2010 a car was stolen every 42.8 seconds, that's 737,000 cars which added up to $4.5 billion lost! (H.E.A.T. Keeps Drivers Safe from Car Thieves This Summer, Press Release, The Wall Street Journal, http://www.marketwatch.com/story/heat-keeps-drivers-safe-from-car-thieves-this-summer-2012-07-26)
H.E.A.T. offers some reminder tips to motorist to keep them and their vehicles safe.
- Always lock your car when unattended. Set alarms or any other anti-theft devices.
- Invest in locking lug nuts, easy-to-steal tires and rims are a huge target for thieves.
- Park your car in the garage whenever you can.
- Take with you or hide all personal belongings and valuables.
- No car is worth your life, so in the event of a carjacking give them the keys. Most times a carjacking will involve a weapon, it's not worth the risk.
H.E.A.T. is partnered with Michigan law enforcement agencies to take action on tips. All calls regarding a tip may be reported as confidential and there are rewards for those who call in.
- $1,000 if the tips leads to the arrest and prosecution of a suspected car thief or person suspected of auto-theft related insurance fraud or identity theft.
- $2,000 for information leading to the issuance of a warrant for a carjacking suspect.
- $10,000 if it results in an arrest and binding over for trial of suspected theft ring or chop shop operators. (H.E.A.T. Keeps Drivers Safe from Car Thieves This Summer, Press Release, The Wall Street Journal)
Their number is 1-800-242-HEAT, or follow them on Facebook and Twitter at @1800242HEAT.
|