Home Run Gone Wrong / No Auto Liability Coverage / No Insurance Coverage...
This scenario represents an actual coverage flaw in an insurance program of a well run, profitable business. A mobile allied health firm in the business of retrieving blood and urine samples from...
View ArticleAuto liability and collision claims costs are rising
At our website www.oneminutefromnormal.com we ask visitors the question: What if an unscheduled event suddenly seizes control of your business? Are you ready? According to the National Highway...
View ArticleRisks Ahead. The potential results of incomplete auto insurance coverage.
You should be prepared to pay for these 10 things if you have inadequate or incompletely negotiated Auto insurance coverage: Severe damage to others involved in a major accident Hail damage Damages...
View ArticleCyber Insurance Coverage – Is a hacker riding shotgun in your company’s...
Today’s cars can stream music, place phone calls, navigate and much more. Essentially, they are smartphones on wheels. Just like smartphones, they can be hacked. “Software operating today’s vehicles...
View ArticleRisks Ahead. Age counts on highway and in Auto Insurance
According to statistics from the National Highway Traffic Safety Administration and the Insurance Institute for Highway Traffic Safety, the safest drivers are in the age group between 64 and 69 years...
View ArticleHall of Shame – Fellow Employee Exclusion in the Standard Auto Policy
This scenario represents an actual coverage issue in an insurance program of a well run, profitable business brought to light and altered by KMRD. The following claims scenario was troublesome to the...
View ArticleVehicle Fleet Risks Ahead. Gender matters on the highway.
Young females have more auto crashes at intersections and collisions with pedestrians. Young males have more auto crashes after sunset than young females. Young females are more likely to be involved...
View ArticleDUI Auto Liability – Interlock devices save lives
According to Pennsylvania State Statute 75 §3805(a), all autos owned by DUI offenders may for a first offense and must for a second offense be equipped with ignition interlock devices for at least 1...
View ArticleRisks Ahead. Drowsy Drivers Cause Accidents – Update Your Auto Fleet Manual...
According to a study by AAA Foundation for Traffic Safety, between 2009 and 2013 21% of all fatal crashes involved a drowsy driver. 1. 37% of drivers report having fallen asleep behind the wheel at...
View ArticleRisks Ahead. Driving and just about anything else don’t mix… Fleet Safety
According to a study fielded by AAA, listening to the radio and driving is a category 1 distraction. Talking on a hand-held or hands-free cell phone resulted in a category 2 distraction. Using an...
View ArticleBusiness Auto Insurance Policy – Don’t Be Sideswiped By Negligent Entrustment
What if an unscheduled event suddenly seizes control of your business? Are you ready? With hazardous driving conditions about to return, it becomes even more important to examine the theory supporting...
View ArticleRisks Ahead. Have you checked your Thanksgiving risk profile lately?
The traditional American Thanksgiving dinner includes 3,000 – 4,500 calories. This can lead to “holiday heart syndrome,” which is caused by the combination of alcohol and overeating – often, binge...
View ArticleWinter Risks Ahead. Winter begins in two weeks, and with it come these risks
From 1994 – 2013 insured winter storm catastrophe losses totaled more than $1 billion a year on average. Approximately 23% of vehicle crashes each year – nearly 1,312,000 – are weather related. 17%...
View ArticleDon’t Be Distracted By Ringtones, Alerts and Vibrations – Auto Fleet Safety
According to a recent study by Florida State University, the distraction caused by a notification on your personal device – an inbound phone call or text, an alarm bell or even a vibration – is...
View ArticleRisks Ahead. Have you checked your New Year’s Eve Risk Profile lately?
More than 4,000 vehicles are stolen on New Year’s Eve and New Year’s Day, according to the National Insurance Crime Bureau. New Year’s Eve/New Year’s Day is the second most deadly day for drivers,...
View ArticleBusiness Auto – Interlock Devices Save Lives
Current ignition interlock technology prevents a vehicle from being started if a driver’s breath registers a certain amount of alcohol. The devices have been used since the 1960s, and in recent years...
View ArticleRisks Ahead. Did you know? The number of motorists being caught for...
A recent report from Pennsylvania’s court system indicates an increasing number of motorists are being caught for distracted driving. 1,140 drivers were cited for texting while driving in 2014. An...
View ArticleAuto Fleet Risks. One of the most common moving violations is running a stop...
Here are the basics on the enforcement and penalties for Pennsylvania drivers who don’t come to a full stop at the “limit line” (a line painted on the street indicating where to stop), or if there is...
View ArticleRisks Ahead. DUI arrests increase on St. Patrick’s Day
DUI arrests increase on St. Patrick’s Day, with years of increased insurance premiums typically following a conviction. Increased car insurance premiums can outstrip the fine for a DUI in Pennsylvania....
View ArticleDistracted driving can lead to reckless endangerment
On average, eight people lose their lives every day in the United States due to distracted driving. While mobile phone usage has been linked to distracted driving, these other activities can also...
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