by California Casualty | Safety |
On September 7, Equifax, a nationwide credit-reporting agency, reported that a giant cyber-security breach has compromised the personal data of up to 143 million Americans.
This information may include:
– Names
– Social Security Numbers
– Birth Dates
– Addresses
– Driver’s License Numbers
In addition, credit card numbers were compromised for about 209,000 customers. Overall, this is one of the largest data breaches ever, and many consumers financial information is at risk.
What should you do now?
- Visit https://www.equifaxsecurity2017.com to determine if you may have been affected
- Keep a close watch on your credit report and credit card accounts
- Freeze your credit and set up fraud alerts
You can freeze your credit report and set up fraud alerts by calling the reporting agencies:
Equifax: 1-800-349-9960
Experian: 1‑888‑397‑3742
TransUnion: 1-888-909-8872
ALL California Casualty customers have ID Defense assistance available through CyberScout as part of their policy. Click this link to learn more.
by California Casualty | Safety |
April is Distracted Driving Awareness Month. It’s a good reminder that we all need to be more aware of what we are doing as we motor along America’s byways and highways. However, you’re not alone if you get a pit in your stomach every time your teenager grabs the car keys and heads out on the roads. Many parent’s biggest fear is that something might happen while their teen is out driving.
Sadly, there is a reality behind that fear; getting behind the wheel is one of the most dangerous things a young person can do. Teen drivers are much more likely to be texting or using a device while driving than any other age group. They are also more prone to dangerous interactions with their passengers. Accident rates for all drivers have gone up the past two years, but drivers aged 15-20 years old were more likely to be involved in crashes attributed to distracted driving, which is the leading cause of death for people in that age group.
Here are some startling statistics that show why:
- At any given moment, approximately 660,000 motorists are using or manipulating a cell phone
- 70 percent of people ages 16-19 and 88 percent of ages 19-24 admitted in an insurance industry survey that they regularly text while driving
- At 55 miles per hour, the average text takes a person’s eyes off the road long enough to travel the length of a football field
- 60 percent of teen crashes involve distractions behind the wheel
- Teen driving deaths increase around prom and summer season
Most of these are preventable tragedies. Sadly, they impact thousands of families every year like Amanda C., a California teen who survived a previous crash while texting and driving, but not a second similar crash a year later. Seventeen year old Alex B. from Texas lost her life when she rolled the truck she was driving while texting, and 21 year old Casey F. from Pennsylvania was killed instantly when a distracted driver hit her while she was crossing the street.
Ironically, an analysis of the last messages in fatal crashes attributed to texting found many common words such as: “love you;” “home soon;” “need to stop texting, unsafe;” “send me the directions;” and “OK.”
So what can you do to protect your teens?
- Enroll them in a safe driving course
- Follow the graduated driver licensing rules: no driving at night and no or limited passengers for the first six months or for a full year
- Require seat belts and safety restraints be worn at all times
- Enforce a no cell phone/texting policy
- Urge young drivers to observe all speed and safety regulations
- Provide a vehicle that offers the best protection in crash tests
- Set a good example for them to follow
A great resource is Impact Teen Drivers. The nonprofit educates teens about the deadly consequences of distracted driving. They offer evidence-based, peer-to-peer programs and information to empower young drivers to make good choices behind the wheel. They also hold a twice a year Create Real Impact contest, rewarding students ages 14-22 for their creative messages discouraging distracted driving. California Casualty is committed to making our roadways safer and we are a major sponsor of Impact Teen Drivers. We urge you to learn more at www.calcas.com/impact-teen-drivers.
by California Casualty | Safety |
Have you ever thought about what exactly you have in your car as far as essentials? Your idea of emergency kits and necessities may need a refresh and some new additions.
Tissues and Wipes: Even if you don’t have kids, having wipes ready can help quickly clean up drink spills, cleaning off sunglasses, or messes from the kiddos. Also, consider having a large clean rag in the trunk. If a flat tire or oil leak occurs, it would be easy to clean off your hands.
Extra Phone Chargers: Who doesn’t need more phone chargers throughout the day? Be sure to put an extra car charger or extra battery accessories in the glove compartment. This could be a big saver if you need to call for help.
Umbrella: Because who knows when it will start raining.
Recycled Shopping Bags: These bags could help with those impromptu shopping trips.
Piece of Cardboard: In case you get stuck, this small trick of putting the piece of cardboard under one tire can make a difference.
Emergency Money: Keep it handy in the glove compartment in case of emergency for gas money, or a tow.
Blanket: It doesn’t have to be just for emergencies to help keep warm, but also for fun trips to the park.
These are just some ideas to consider keeping for those surprise moments. And as they say, it’s better to be safe than sorry.
by California Casualty | Safety |
The National Highway Traffic Safety Administration (NHTSA) reports that traffic deaths across the U.S. jumped another 10 percent the first half of the year, following a seven percent increase the previous year. NHTSA and other safety groups fear the numbers will be even higher for the second half of 2016 due to increased driving and warm weather. NHTSA says we are at a crisis level that needs immediate action.
The crisis is more than statistics; it involves mothers, fathers, grandparents and children who will never again celebrate the holidays or the next family gathering. Some of these heart breaking stories include:
- 35 year old John T. Gordon, a law enforcement officer who was struck and killed while riding his motorcycle by a young man in a truck who was texting when he swerved into oncoming traffic
- Five year old Xzavier Davis-Bilbo who was hit and killed crossing the street by a young woman who was texting and driving
- 61 year old Linda Doyle who was killed by a young driver talking on a cell phone who ran a red light and smashed into her vehicle
- Nine year old Erica Forney who was fatally run over while riding her bike by a neighbor who had looked down at her cell phone and never saw the girl
What is surprising is that these tragedies come as new safety features – autonomous breaking, lane change warnings and rear view cameras – are now available in more vehicles. Unfortunately, human error is the cause of 94 percent of today’s crashes and it’s thought that distracted and inattentive driving continues to be a major contributor to these wrecks.
If you are a parent, that should make you shudder. That’s because motor vehicle crashes are the leading cause of death for U.S. teens, and drivers 15 to 19 years old are three times more likely that drivers aged 20 and older to be in a fatal crash. Teen drivers are also much more likely to be distracted by a cell phone, passengers or other electronics in the vehicle than older drivers (yet adults are catching up).
Other factors contributing to teen driving deaths are that too many don’t wear seat belts, they are less experienced behind the wheel, and they are more prone to speeding.
NHTSA has mounted a campaign to remind us of the “5 to Drive” rules we all need to observe:
- No cell phones while driving
- No extra passengers
- No speeding
- No alcohol
- No driving or riding without a seat belt
California Casualty believes safe driving for teens is a year-round effort. We are a major supporter and charter member of the non-profit Impact Teen Drivers program, proactively using peer-to-peer influencing and education to prevent the tragedy of distracted teen driving.
by California Casualty | Safety |
Submitting innovative safe driving messages has paid off for students with the 2016 Fall Create Real Impact contest, presented by Impact Teen Drivers and California Casualty. After sorting through thousands of entries, awards totaling $13,000 were given for art, music, video and writing.
$1,500 Grand prizes winners are:
Carley Calfee, Toano, VA, for the poster, “You Only Have One Life”
Esteban Hiracheta, Corpus Christi, TX, for the song, “It’s Not Worth It”
Miles Kent-Pettit, Eugene, OR, for the video, “Gluv B4 U Go”
Johnathan Joyce, Madison, MS, for the poem, “Just a Passenger”
Based on the number of entries, the winning schools are Cab Calloway School of the Arts in Wilmington, DE; Beavercreek High School in Beavercreek, OH; and Our Lady of Lourdes Academy in Miami, FL. Each of the schools received $1,500 prizes.
The 2016 fall winning entries can be viewed at https://www.createrealimpact.com.
Twice a year, students ages 14-22 are encouraged to submit essays or poems, artwork, videos, and music to address the critical teen distracted driving danger. Winners are determined by a panel of judges and by online voting for prizes ranging from $1,500 to $500. The contest encourages peer-to-peer messages and creative expression from students to help end the number one killer of young drivers.
“The Create Real Impact contest is a creative way to empower youth to develop life-saving messaging which is both relevant and effective at reaching peers in their social media comfort zone,” said Kelly Browning, Ph.D., Executive Director, Impact Teen Drivers.
Impact Teen Drivers has reached more than two million teens since 2007 and the Create Real Impact contest began in 2009. California Casualty is a founding partner of the nonprofit and continues to provide support for the contest. California Casualty representatives will help present checks to the winning schools and awardees.
“The importance of this contest can’t be overstated,” said California Casualty CEO Beau Brown. “While insurance can replace a mangled vehicle, we can’t replace a teenager’s life. In a split second, everything for that family changes forever; it’s a terrible tragedy that no one should endure.”
by California Casualty | Safety |
Fall is a great time of year to get on a bicycle for a weekend ride or even to commute to work. The weather moderates in most parts of the country and it feels good to pedal a few miles. You’ll feel like a kid again as you cruise through neighborhoods and paths.
However, as a bicyclist, I find riding for fun or commuting to work is getting a lot more nerve-wracking.
One reason is that so many of us treat the morning drive more like a car race than a pleasant drive to work. Many of those drivers are distracted and some are out-right hostile towards a person on a bicycle. I’ve had my fair share of close calls that have forced me into potholes and curbs, had things thrown at me and verbal abuse from angry drivers. I’ve also seen way too many distracted drivers either texting, toying with some form of electronic device or putting on makeup which caused them to swerve into other people’s lanes or into the bike lane – oblivious of the danger they present.
Bicyclists are very vulnerable as they circumnavigate roads and byways. In 2015, 818 were killed on US roads, an increase of 12 percent from the previous year. Government statistics show that on average, 50,000 bicyclists are injured each year.
As more people choose to ride a bike for economic or health reasons, it struck me that a little education and courtesy could go a long way to prevent auto-bike confrontations, close calls and injuries.
For Drivers
- Try your best to give cyclists room. Many states now require a three foot safety zone when drivers passing a bicyclist.
- It’s a good idea to slow down when you pass a cyclist (or pedestrian). Try to imagine that person is your grandmother in a wheelchair; you wouldn’t blow by throwing dust and debris at your grandmother, would you?
- Don’t honk your horn, please. Yes, we know we might be impeding you for a short distance, but honking the horn can be startling and cause a cyclist to veer into traffic or fall off their bikes. Keep in mind that most localities and states require bicyclists to ride in the street rather than the sidewalk.
- Put down the phone and other devices and concentrate on driving.
- Be aware of bicyclists. I know we can be hard to see, but how would you feel if you hit and injured one of us.
- Look before you open your vehicle’s door. I can’t count the number of times I’ve been grazed by a door or had to veer wildly around one as I cycled past a vehicle. Many bicyclists have been killed or injured by either colliding with an open door or by being pushed into traffic.
- Be extra careful when making turns or pulling out of parking lots. Cyclists may be moving faster than you think and can sometimes be hard to see.
For Bicyclists
- Always wear a helmet.
- Observe all traffic laws: never run a stop sign or red light, always ride on the right and never against traffic, and know bicycle turn signals.
- Always wear bright or reflective clothing and use lights when riding at dusk or dark.
- Don’t unnecessarily impede traffic or ride double or triple unless there is room.
- Try to avoid narrow streets, roads and high-speed expressways. Side streets and bike paths are much safer and much more pleasant to ride.
- Don’t engage or provoke an aggressive driver, instead, try to get a picture of video of the encounter and report it to authorities.
While the pleasant weather continues, I hope you get the chance to hop on your bike and take a ride, or even use it to commute to work. It will certainly help you understand how vulnerable being a bicyclist is, and maybe you’ll look at that two wheeled commuter in a different light.
