Best Apps for Truckers

Top Apps for Truckers - Mobile Technology Helping
Drivers



Nobody is more mobile than a truck driver, so
many truck drivers are looking for the latest in mobile technology apps to make
their trips more efficient and enjoyable. The industry deals with a lot of
regulation, and many owner-operators and trucking companies are employing the
latest mobile apps to help keep costs competitive and get

5 Top Tips For Summer Driving

5 Tips for Safer Summer Driving



The summer is officially here, which means
that more people will be dusting off their cars as they prep for summer
vacations, cross-country road trip adventures and other summer beach trips and
activities. To help things run a little more smoothly, the following are some
quick tips.



Vehicle Heat



Vehicles heat up quickly during the warmer
weather months.

Insurance News - Thursday, June 27, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Thursday, June 27, 2013:

• The Manitoba government will introduce new consumer protection rules for vehicle repair shops effective July 1.
• A U.S. analysts suggests that claims processing in the American P&C industry is inefficient and the industry could reduce claims costs by $36 billion. Claims operations are still extremely labour-intensive, heavily paper-based, and data-rich but information-poor.
• Social media is here to stay so the P&C insurance industry might as well learn to use it.  I've noticed that many insurers are now on Twitter.
• Is it really that easy to hack a car and cause a crash?

Getting Rid Of Junk Cars (Cash For Cars)!!

The Best Way to Get Rid of Your Junk Car



Making the decision to get rid of that once
loved and cherished car is never easy to do, which is why it is important to
look explore your options. If your in that particular situation where you have
a car that you no longer need/want, you must have already thought heaps of
times that its time, that its taken to the tip/scrap. Heaps of people make the

Insurance News - Tuesday, June 25, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Tuesday, June 25, 2013:

• To combat distracted driving, Manitoba has announced it will assess drivers 2 demerit points if caught using hand-held electronics.
• Some legal advice from the UK for insurers on the use of telematics.
• The City of Toronto has announced that it is launching a review of the tow truck industry.  Supposedly they are looking at everything from fees to body shop recommendations to insurance scams. 
• An interesting Toronto Star article entitled: Big Data: the good, the bad and the ugly.
• A strong first quarter of 2013 for U.S. p&c insurers with an ROE approaching 10%. Here is an analysis on the results.
• The U.S. Supreme Court could indirectly reduce rates for same-sex drivers if they rule bans on same-sex marriage are unconstitutional.

How To Become A Truck Driver

How To Be A Truck Driver



Are you contemplating a career in truck
driving? Do you enjoy long periods of solitude with only the road to keep you
company? Are you willing to work long hours and possibly spend weeks away from
home? If you said “yes” to these questions, there is a great opportunity to
earn a good living as a truck driver. This article will cover a few basics to
help you get

Insurance News - Friday, June 21, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Friday, June 21, 2013:

• A spike in personal injury claims in Alberta has sparked applications for a 13.5% hike in auto insurance rates and renewed calls for reforms to plug 'loopholes.'
• A FSCO arbitrator has determined the now obsolete stoppage of weekly benefits form (OCF-17) to be invalid.  This continues a tread of FSCO arbitrators invalidating Superintendent approved forms.
• The AAA Foundation for Traffic Safety has released a study on cognitive distractions in the car indicating voice-to-text e-mail is as significant distraction as cell phone use.
• Affiliated Brokers Exchange Ltd. has teamed up with Insurance Technology Solutions Inc. to offer a new policy administration system that allows for paperless policy issuance, among other capabilities.
• NAIC reports that more than 40% of teen auto deaths occur between 9 p.m. and 6 a.m. and for teens the relative risk of fatal crash increases as the number of passengers increases.
• There is a month left to comment on a CCIR paper dealing with e-commerce in insurance products.
• The Property Casualty Insurers Association of America has produced a map of states (25) that allow electronic proof of insurance using a smartphone or tablet.

Insurance News - Thursday, June 20, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Thursday, June 20, 2013:

• Canadian privacy advocates express alarm over the use of telematic devices after FSCO approves Desjardins pay-as-as-drive program. However, the program has been praised by Ontario Privacy Commissioner  Ann Cavoukian for the steps taken to protect privacy.
• This Florida case covers the classic insurance fraud from that state including staged accidents and the purchase of information on legitimate accident victims from bribed hospital staff.
• Isn't it gratifying when those arrogant fraudsters that brag about it on Twitter and Facebook discover insurers now check social media?
• A United Kingdom study suggests up to 60% of whiplash claims are either exaggerated or fraudulent.
• Consumer Federation of America reports that California is only state where auto insurance rates fell over two decades through 2010. The group attributes the decline to a law that gave regulators more control over rates. 
• A spike in personal injury claims has sparked applications for a 13.5% hike in Alberta auto insurance rates and calls for new reforms.

Esure Car Insurance

Esure got down to give you a outstanding intend to everything old, utilizing highly advanced techniques to be found web with the cell phone method. The primary idea was to retain running costs few as well as insurance premiums for their buyers.

Up to one in three drivers stated they don't take note of the location where the lowest priced gas price is found in their own location and also may not travel any further to make it in any case.

In whole, Thirty seven per cent involving motorists mentioned they would certainly not think about replacing their own automobile for a more energy effective product next 3 years. Mike Pickard, head of danger as well as underwriting at esure, stated: 

 "There are pretty straight forward ways that individuals can easily stop their particular automobiles via guzzling way up their particular cents, traveling steadily and thoroughly, without having too much stopping or racing.Inches.

The common tariff of unleaded fuel in the united kingdom, is about Ninety four.3 pence per liter as outlined by exactly what cost.company.united kingdom, but esure Car Insurance promises which drivers couldn't survive priced out there right up until that figure features at least more than doubled.
This site goes to excellent lengths to resolve all of the possible explanations why you may not manage to become covered by means of Esure.

There's also several instances in which an online offer isn't likely, and they also describe these kind of at the same time. This really is superb details and just that of a possible client requires. This becomes right to the purpose as well as doesn’t leave you thinking whether or not you'll be able to or else you can’t.

How to Drive in the USA

How to Drive in the USA

If you are visiting the United States from another country and you are accustomed to different traffic signals and patterns, this short article will give you some basic guidelines for driving in the United States. If you live in the UK or another country where cars drive on the left-hand side of the road, you may need to acclimate yourself to the difference. In addition,

How to Get Lower Rates on Auto Insurance Policy

You need to buy auto insurance as soon as you buy a new car or want to switch to new insurer, but getting cheap insurance rates are not easy all the time. Many people are currently paying higher premiums because of lack of knowledge about hoe to reduce rates.

There is no certainty that your insurer provides the best rates, because rates can be varied insurer to insurer. This post shows few ideas and following these you must lower your premiums.

The main approach to getting cheaper insurance quotes is asking about discount. Many companies offer discount on insurance policy based on several conditions like young drivers with scores, drivers who have completed driving safety courses, or good driving records.

Many companies have started to offer discount on how many miles the drivers drive each day. This idea is called pay as you go. To get this discount driver must report driving speed, number of hard stops and miles per day. Some drivers who are willing to get this discount can allow the insurer to track the performance. Insurers have premium discount to such drivers who allow tracking the performance of their vehicles.

Car insurance rates partly depend on the vehicle you drive. The vehicles which have high risk of crash are usually having higher rates, so be sure to check the crash test rating before you are going to buy any vehicle. To check auto crash rating you can visit The Insurance Institute for Highway Safety and buy low crash rating vehicles.  Your family will be in safer vehicle and also you will get lower rates.

Having safety devices in your vehicle is another factor to get lower rates. At first ask your agent that on which safety devices the companies will provide discount or lower you premiums then buy these devices and install them before applying for insurance quotes.

The smart drivers try to insure other assets under same company and because of this trick the company offers a significant amount of discount and lower policy rates. You can save 10% - 15% on total insurance cost if you consider insuring vehicles and home with same company.

Auto insurance companies advertise bundle of discount and you will be easily confused because everyone is attractive, if you apply these tips you will lower your rates but keep in mind that lowering rates is not enough and can be disastrous if you have to bear the expenses out of your pocket because of limiting the coverage and getting high discount. So consider every aspect carefully while trying to lower insurance rates.  

The Best Way to Compare Car Insurance

Shopping for car insurance is something drivers should do time to time to make sure they are getting the best rates unless they may end up paying huge amount of money unnecessarily.  On the other hand drivers can save money on their policies if they shop around.

After reading this post you will learn what the best ways to compare car insurance are and how you can find the best rates.

Why drivers need to compare auto insurance? The main reason is to save money. The insurance policies from the different companies for same coverage are not same and also insurers calculate the rates considering various factors. If drivers don’t compare auto insurance quotes, they may have to pay high premiums otherwise they don’t have to.

It doesn't matter how you search or ask for quotes, but get at least 3 quotes from different insurance companies. Use an agent, online or phone to request quotes. The better option is to request 5 quotes because this will increase the probability to get the best and cheapest one.

It’s been saying that do your homework before execute the plan. Insurance companies use different strategies to set their prices and that’s why the same driver gets the different rates because some insurers give more weight on experiencing drivers or good driving records, while others focus on the type of vehicle drivers have, where the drivers live or the credit score. Doing this sort of homework doesn't take hour but you can save hundreds of dollars.

Drivers have to ask quotes for same coverage and then you can compare them properly. It’s the critical one because as I have said that different insurers have set their policies based on different coverage. You may find same coverage presents in one policy but absents in another. To solve this problem you should first select precisely what type of coverage you need and then ask for quotes based on this coverage.

These are the simple ways to compare car insurance. No matter where you live and what types of coverage you need, you can obviously get the best and cheapest rates just following these steps.

8 Tips To Get Affordable Car Insurance

As soon as you buy a car, you have to purchase auto insurance policy too and almost every state it is mandatory to get minimum liability policy. For the low income families, this will add extra cost over the car maintenance expenses. That’s why auto owners try to reduce insurance cost and want to buy affordable auto insurance. So to get affordable car insurance you must consider few factors as well as few tips.

In this article I am going to share some methods and tips to find cheap car insurance company and after reading this post you will get few basic ideas how you can minimize auto insurance expenses.

Buy Low Cost Vehicles

People who are buying high performance engine cars have to also pay high insurance rates. It’s the common mistakes that people are trying to find cheap auto insurance companies purchasing expensive vehicles. The parts of luxurious vehicles are also expensive, so the insurance companies impose high premiums on high performance engine cars. If you want to reduce cost on insurance quotes then buy low cost vehicles which will also save money.

Cut Down on Overall Coverage

There is a possibility that you are paying for the coverage which you may not need at all. Why I pay for the services which I don’t use? Ask the question to yourself and figure out which coverage you need most and which you don’t. Cut the extra coverage and ask the quotes based on your finalized coverage.

Qualify for Possible Discount

Every year car insurance companies offer various discounts with several conditions such as good score for the students, least accident history, and good driving record and for women, so try to qualify as many discount conditions as possible which lower your premiums.

Drive within Specific Number of Miles

Many insurers provide discount to drivers who drive less than their set limit because they assume the less you drive, the less likely to have an accident. Ask the insurers about such discount and if they have get the information about what is the driving limit each year.

Do Not Overlap Same Coverage

If you have medical insurance then you don’t need to pay to the auto insurance company for injury or bodily accident because your medical insurance has already coverage for this accident. You can limit your auto policy by covering repair vehicles involve in a collision.

File For Only Major Claims

Try to fix small problems and give the cost out of your pocket than you will get the year-end no-claims bonus and discounts.

Keep Your Deductible High

If you pay small expenses and fix the car by yourself and keep your deductible very high, you can reduce insurance premiums.

Compare Insurance Rates

This is the best and most used way to get cheapest rates. Get at least 5 auto insurance quotes and compare them and you will find the affordable car insurance company from them.

You see there are always few ways to lower you insurance rates if you do some home work before going to finally buy. So I always recommend shop just follow these tips and shop around. There is no restriction that you have to stay with one company, try to shop around and find the best one.

How To Get Cheaper Car Insurance!!

How to Get Cheaper Car Insurance



Insurance is an unavoidable expense if you
own a car, but there are a number of ways to significantly reduce your
insurance premium. The most obvious way to reduce the cost of your insurance
policy is to shop around. However, it’s important to bear in mind that not all
insurance agents or companies are created equal. You don’t want to simply find
who will give

Insurance News - Thursday, June 6, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Thursday, June 6, 2013:

• Illinois to become 25th state to allow electronic proof of insurance as legislation passed by state House and Senate and awaits the signature of the governor.
• Thomson, Rogers position on requests for insureds to sign consent forms when attending insurer exams, a recommendation from regulatory health colleges for providers conducting insurer exams.
• It seems on the power-plant scandal, the Liberal cover-up is worse than the crime. So will the voters remember on election day?
• Yesterday Bill 65 passed 2nd reading vote. The Legislature will have the final Budget vote, and rise for the summer on Tuesday, June 11th.

Take a 2-week hiatus for a vacation.  Will be back on June 20th.

Will Telematics Put An End To Age and Gender Discrimination?

Telematics has been one of the most talked about issues within the automobile insurance sector over the past several years.  Recently Desjardins Insurance launched Ajusto, the first widely-available automobile insurance program in Ontario which offers savings to drivers centered on usage-based insurance (UBI) technology. This is the ground-breaking territory in Canada despite the fact that pay-as-you-drive insurance has been available in the United States and Europe for some time.

Automotive telematics refers to the technology that uses hardware and software applications with remote communication devices, like cell phones, GPS, wireless devices and such, to obtain information about vehicles. Automotive telematics has been in use, mostly in high-end vehicles, for quite some time. But today newer technologies are helping unfold many opportunities for all stakeholders, more importantly in emerging economies.

Telematics enables vehicle owners or customers to constantly be in touch with service providers through incorporated software and hardware in their vehicles. In turn, service providers too, can offer a host of new services based on their customers’ preferences. Also, data sent remotely from a vehicle allows stakeholders like auto makers, dealers, fleet managers, and insurance providers to build better customer-relationship strategies.

There have been tomes written on the benefits of telematics and UBI including lowering premiums for good drivers¸ reducing traffic congestion, allowing parents to monitor teenage drivers and combating auto insurance fraud.  What we haven’t heard much about is that UBI will allow insurers to begin to move away from historical rating criteria such as age and gender, both of which have been contentious over the years.

In 1983 Michael Bates alleged that he was discriminated against because Zurich Insurance charged him higher premiums for his automobile insurance than a young, single, female driver with the same driving record or than drivers over age 25. He alleged that the rate classification system discriminated by grouping drivers by age, sex, and marital status and determining their premiums based on these factors.

Moving forward to 1992 the majority of the Supreme Court of Canada found that Zurich  did not discriminate against Michael Bates contrary to the Ontario Human Rights Code by charging him higher premiums for automobile insurance because of his age, sex, and marital status.

The Supreme Court found that charging higher premiums to young, unmarried, male drivers was discriminatory and contravenes the Ontario Human Rights Code. However section 21 of the Code permits discrimination in automobile insurance because of age, sex, marital status, family status or handicap as and the court determined that statistical evidence showed that young, male drivers are involved in proportionately more, and more serious, accidents than other drivers.

However the insurance industry was not totally absolved by the Supreme Court.  The Court encouraged the industry to begin looking more closely at non-discriminatory alternatives in rate setting in the automobile insurance industry. It ruled that the insurance industry could continue to use discriminatory criteria such as age and marital status as a bona fide means of assessing risk, but that the industry could not do so indefinitely.

To a certain extent insurers have used the Bates v. Zurich decision as a green light to base automobile insurance premiums on age, sex marital status and other socio-economic factors where statistical evidence supports higher rates.  It may be a matter of time before another court challenge occurs.  However, the next time it would be difficult to defend the existing practices now that non-discriminatory alternatives actually exist.

The move away rating based on age, sex and marital status has already begun.  It is prohibited to use gender in considering rates for automobile insurance in five provinces, with Alberta only allowing its use for private policies, not through the government-mandated scheme.  Ontario which has the largest share of the privately delivered automobile insurance market in Canada still uses age, sex and marital status in determining premiums.

In the U.S., California has recently joined 11 other states that prohibit gender rating in the individual health insurance market.  Consumer groups in the U.S. have been battling insurance regulators to prohibit or restrict non-driving factors in setting automobile insurance premiums.  Currently, insurers have been able to maintain the status quo while developing UBI programs that provide an alternative.

The European Union, has recently outlawed gender-based insurance premiums.  The European Court of Justice’s ruling, which follows a ten-year legal battle against the proposals by insurers, will put an end to women getting better deals on car insurance.  The ruling has increased pressure on the industry to adopt better discriminating factors, like those available through telematics.

It’s not just rating based on age, sex and marital status that is under the microscope but other socioeconomic factors like credit scoring as well.  Ontario, Alberta and Newfoundland and Labrador have banned the use of credit scoring in auto insurance as a result of pressure from politicians.  Politician supported by insurance brokers have begun to turn their attention to home insurance market where the use of credit information is also used.

The Office of the Privacy Commissioner of Canada recently released a report stating that it did not object to the use of credit information for purposes of assessing insurance risk.  It was noted that section 8 of Ontario’s Consumer Reporting Act confirms that credit information may be disclosed for the purpose of underwriting insurance. 

However, the privacy commissioner noted that there is no obvious link between credit information and insurance premiums and little transparency in the use of credit information.

So while the use of age, sex and marital status as well as other socio-economic factors in rating drivers has been upheld by the courts and tribunals, their continued use attracts criticism and in some cases legislative action.  Although UBI is still not available to many drivers, insurers who are considering moving towards UBI ensures that predictive criteria continued to be available as governments prohibit or restrict traditional criteria. In Canada, automobile insurers are keeping a close watch on developments at Desjardins.

Insurance News - Tuesday, June 4, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Tuesday, June 4, 2013:

• The federal government is hitting insurers with retroactive $1 billion GST hit going back to 2007 as a result of a legislative amendment that wasn't made until 2010.
• The Ontario anti-fraud regulations approved in January have now become effective.  However, FSCO has yet to release a benefit statement form.
• Illinois to become the 25th state to allow electronic proof of insurance as legislation passed by state House and Senate and going to the governor for his signature.  See my article Electronic Proof.
• Technology like telematics represents a shift from a “reimbursement” model to a “loss-control” model of risk.
• Ten things Toronto motorist do to make it more hazardous for commuting cyclists.

Anti-Fraud Regulations Became Effective on June 1, 2013

Earlier this year the Ontario Government released the regulatory changes that will be made to help combat auto insurance fraud.  The changes were approved on January 21, 2013 and became effective on June 1, 2013. 

Regulation 14/13 amends the Statutory Accident Benefits Schedule (SABS) - 34/10. 

The amendments to the SABS include:

• a requirement for insurers to provide all reasons when denying medical and rehabilitation claims; 
• providing FSCO with authority to stipulate additional information that insurers must provide in bi-monthly benefit statements to claimants; 
• giving insurers authority to require claimant confirmation of receipt of goods and services that have been billed; and 
• providing FSCO with authority to stipulate by Guideline the maximum payable by insurers for goods as well as services.

A revised Cost of Goods Guideline was issued by FSCO on May, 29, 2013.  The accompanying Bulletin (A-2/13) also releases a number of revised claim forms. Effective January 1, 2013, the maximum fines under Part XIX of the Act have increased from $100,000 to $250,000 for a first conviction for an offence, and from $250,000 to $500,000 for each subsequent conviction. 

The following forms have been revised to reflect these changes:

• OAP 1 – Ontario Automobile Policy, Owner’s Policy
• OAF 1 – Ontario Application for Automobile Insurance
• OCF-1 – Accident Benefits Application Package
• OAF 4 – Ontario Application for Automobile Insurance Garage Form
• OAP 4 – Ontario Garage Automobile Policy
• Garage Certificate of Insurance – (Ontario)
• Certificate of Automobile Insurance  – (Ontario)

Regulation 15/10 amends the Unfair or Deceptive Acts or Practices (UDAP) Regulation - 7/00.

The changes to the UDAP regulation include:

• an offence to request, require or permit a claimant to sign an incomplete claim form and 
• clarifying the exemption for lawyers and paralegals to ensure the regulation applies to lawyers and paralegals when not acting in a legal capacity.

Regulation 16/13 amends the Disputes Between Insurers (DBI) Regulation - 283/95.

The amendment to the DBI regulation allows for the insurer that receives the initial application for benefits to request one examination of the claimant under oath to assist in the determination of priority issues.

This amendment provides insurers with a second opportunity to request a claimant undergo an examination under oath.  The new DBI requirement is to assist an insurer to determine which insurer is liable to pay the claimant accident benefits.  The SABS provisions continues to assist an insurer to determine whether the claimant entitled to accident benefits.

Insurance News - Saturday, June 1, 2013

Here are the leading auto insurance headlines from ONTARIO AUTO INSURANCE TOPICS ON TWITTER for Saturday, June 1, 2013:

• Driverless cars are closer to reality than you think. Here are four ways they are poised to shake up the insurance industry.
• New Jersey study indicates distracted drivers are ignoring state ban on texting and driving insurance costs higher.
• Yet another article on the catastrophic impairment definition.  Talk about flogging a dead horse. Certainly changes to the definition are possible but not likely considering the contentious nature of the proposed changes and lack of impact on rates. 
• Man accused of painting a crosswalk at a busy intersection is jailed and faces felony case. You just can't be taking on road safety initiatives on your own. 
• Sex while driving drunk never ends well.