Truck-Based SUV's – DTO, DTS

Large SUV's built on truck chassis present a serious danger to others (DTO) on the road. A truck-based SUV provides about 5% greater safety for its occupants than a car does in a front, rear, or side crash, and deals about a 300% greater risk of death to the people in any vehicle it hits. The Insurance Institute for Highway Safety looked at deaths per million miles driven and found that large SUV's involved in two-vehicle accidents inflict far more damage on other vehicles and their occupants. The reason is simple physics.

Full size SUV's and pickup weigh about 1000 pounds more than the average car. A vehicle that weighs a half ton more delivers a far greater destructive force on impact. Add to that a significant difference in the vehicles' construction. SUV's and pickups are built with stiff frame rails. When an SUV or truck rams another vehicle, it does not give. It transfers the force of impact to the other vehicle. Cars, minivans, and small SUV's built on car frames are designed with energy-absorbing structures. They're built to absorb and the force of impact, and because the SUV is not, the smaller, more flexible vehicle absorbs more force.

SUV's are taller than cars, with higher road clearance, and their height makes them more dangerous to other cars. The modern car bumper is a superbly designed energy absorption system. But in front and rear end collisions, the tall SUV is likely to ride up over the other vehicle's bumper. When the SUV rides over the bumper and pushes its way into the engine compartment or the trunk, the bumper's energy absorbing value is lost. In side crashes, the SUV's height means it can ride over the car's door-frame and T-bone directly into the passenger compartment.

In rollovers, SUV's are also DTS, danger to self. Large SUV's are at much higher risk of rollovers than other vehicles. Again, it's simple physics. Its height and resulting high center of gravity make it much more likely for the vehicle's rear end to fishtail, or slide sideways in a tight turn or an emergency braking maneuver. The SUV's height and high weight distribution means that once the vehicle is moving sideways, it's much easier for it to flip and roll over once or multiple times.

When a pickup or SUV rolls, it poses its occupants to much more danger of roof crush, the collapsing of a roof under the weight of the vehicle. Physics again: The vehicle's weight, including that extra thousand pounds, is now on top, crushing down on a roof that too often is simply not designed to support it. Most pickup and SUV roofs are not unibody construction. The incremental cost of a unibody roof and sturdier metals would run about $ 50 per vehicle, but manufacturers have chosen not to make this simple improvement.

If you or a loved one has been seriously injured, or your loved one has been killed in a crash involving an SUV, you will want to consult with an experienced SUV crash attorney to determine whether you may have a case against the manufacturer. It is important to do this as soon after the crash, to insure that the SUV involved is not destroyed, as it will be vital evidence in your case.

Your SUV attorney will want to have an automotive design safety expert examine the vehicle. In rollover cases, particularly consultants and experts help your attorney put together the most accurate and case for presentation to an arbitrator or a jury.



Source by David S. Casey Jr

How to Get Car Insurance

Whether you own a decent Mercedes or a flashy Ferrari with spotless shiny paint, either way cars are considerably expensive in all respects. While most of us buy cars for the sake of bare transportation purposes, there's no denying it that while buying one you tend to spend an extra buck on it. So, while you consider flashy upgrades like a new paint job or new rims, or basic annual requirements like maintenance visits and new set of tires, one must not forget car insurance.

As we all know, car repair can be an expensive affair. So if you're involved in a minor accident, even though it may not have been a huge catastrophe, you'll have to afford basic things like engine repair, paint and other technical damage. So it's best to have a decent car insurance, which shells out against your vehicles damage repairs in case of a mishap.

Not only this, another important aspect why car insurance is a necessity is paying the second or third party damages, which come under comprehensive insurances. These insurances are known to provide full coverage. In other words, the insurance company shells out for your repairs and the second party's repairs in the case of a collision accident, it also covers your damages in other cases like natural causes, theft and many more. Needless to say, this amazing insurance comes with a premium that 'll have a few extra zeros at the end of the required amount, but in some cases it's worth it.

All's well when you accidently bang into a Toyota or something in its range, the damages are some what affordable to consider repairing. However, imagine scratching off a 5 series BMW. Ouch! That's going to be completely unaffordable for some of us. As of the rest who can afford to fix it, a nice deep hole in the pocket is guaranteed!

Another useful car insurance policy is the uninsured motorist coverage. Under this policy, if you were to meet with an accident, and the person at fault does not have insurance, your insurance company covers you up for it. So your medical bills and car damages are taken care of. Then the company extracts the amount from second party over a period of time. So, insurance is a must for your vehicle, be it basic repairs for your vehicle, medical bills, second party damages or damages in case of a natural calamity. A good policy will have you covered from all sides.



Source by David Jesca

Learn How To Buy A Car And Car Insurance Without Breaking Your Budget

Do you ever wonder why different cars cost you different amounts for auto insurance premiums? Why is it that a new Corvette may cost you $1,600 dollars a month in auto insurance and an older Buick Regal may only cost you $90 per month? The new car insurance cost versus the old car insurance cost is a subject that you must review before you buy any car. Review insurance costs before you buy and you will not get caught in a financial trap.

New cars cost more to insure than old cars for three reasons. First, an auto theft of a new and exotic car costs much more than the auto theft of an older and average style car. This is because of the large value difference of the new car versus old car. For example, a new Chevy Caprice is much more costly to insure than an older Chevy Caprice. It simply costs more money to replace a new, expensive car than an older, less expensive car.

Second, the cost to repair a new car is much more than the cost to repair an old car. As such, this fact shall also increase your insurance premium cost for a new car. For example, if a new Chevy Caprice is damaged in an accident, the auto repair shop will charge you much more money for repairs than if the subject car were a ten-year old Chevy Caprice. For this reason, your insurer will charge you much more insurance premiums on a new vehicle than an older vehicle because of such repair costs.

Third, the style and type of car also shall greatly affect the cost of automobile insurance premiums that your car insurance company will charge you. Insurance companies use actuarial statistic tables which show them the past loss experience on particular styles and types of cars. They use these tables, to help calculate what premiums to charge their customers in the future. Statistical tables show these insurance companies that owners of certain styles and types of cars, such as sports cars, engage in more risky driving behavior than owners of cars that are of average type and style.

For example, insurance company statistical tables show that the insurer has experienced more losses with sports cars than with average cars. It is because the owner of a Corvette will probably drive such car faster and riskier than the owner of a Toyota Camry. With such speed and risk also comes along more losses for the insurance companies. With such risk and loss increase, the insurance company must then increase their return and charge more for auto insurance premiums.

Another example of how the type and style of vehicle may present an insurance company with more risk is the off-road style vehicles such as the Hummer line of vehicles. These vehicles are designed to perform in the off-road type environment. They are raised up off the ground more than regular automobiles for under carriage clearance. Additionally, they also have four-wheel drive capability.

With such design capabilities, the statistical tables show that the insurance company has experienced more losses with these types of cars than regular cars. This is because the owners of such vehicles will engage in off-road driving which is both risky to the vehicle and driver. In fact, some insurance companies may bar recovery for such damages, when the owner of the insured vehicle was damaged while any engaging in risky, off-road driving. Again, with more risk, the insurance company will increase return and thus auto insurance premiums. Now that you know that certain styles and types of cars cost more to insure than others, you have to be smart about what kind of vehicle you are going to buy.

Rather than take a guess at what you believe a vehicle’s insurance costs are, call your car insurance company and ask your insurance agent for a free car insurance quote for the exact type of vehicle that you are interested in buying. You can get a definitive answer to your question of whether or not you can afford both the car and the insurance premiums required to cover your car against insured losses.

The time to make such assessment is not after you purchase a vehicle. At that point in time, it is too late. The time to make such assessment is way in advance of your purchasing an automobile. You definitely want to be able to make both car payments as well as insurance premium payments. Get a free auto insurance quote ahead of time and avoid financial problems.



Source by Jack Bennington

Online Casinos – An Introduction

Online casinos are the internet version of the conventional casinos, which allow players to bet on games and win prizes online. Also called as the internet casinos or virtual casinos, these are being established on an increasing rate over the past few years. Online casinos use a Random Number Generator (RNG), which provides a sequence of numbers in a random order, based on which table games and blackjack are played. Most of the online casinos either rent or purchase the software from companies such as Realtime Gaming, CryptoLogic Inc., Playtech, Microgaming and International Game Technology.

There are mainly two kinds of online casinos classified on the basis of the interfaces that use – downloadable casinos and web based casinos and some casinos offer both these types. A few online casinos offer live gaming options also, where the dealer will be in the studio and players can interact with the dealer real time.

Web Based Casinos

While playing in these casinos you do not need to download the gaming software. Your computer browser needs to support plug-ins such as Macromedia Flash and Macromedia Shockwave. HTML interface is also allowed by some online casinos.

Downloadable Gaming Experience

In some kinds of online casinos, you need to download gaming software to play various casino games. These are faster than the web based casinos because the support plug-ins do not need to be downloaded, but are offered by the service provider. The software connects you to the service provider through which betting and playing happens. These are also superior in case of sound and graphics than the web based casinos.

Types of Online Casino Games

Most of these casinos offer commonly played gamed like baccarat, craps, poker, blackjack, slot games, keno, roulette and bingo. For paying these games, you can put money through various deposit options.

Attractive Promotions

Most of these casinos to attract new players offer many promotional offers and deals (casino bonus) on signing up and while depositing the initial amount. Almost all casinos promote casino bonus offers on a big way. Some bonus can be cashed out while some others can only be used while playing. Some of the casinos offer points instead of money, which increase after every online game you win. Comp points are also one of the popular ways of offering bonuses to online players, which can be cashed out as prize, money or com points itself. Wagering amount and points vary with each game you select to play. While some casinos offer attractive promotions on every game, some others may restrict the bonus offers to certain games. They accept many deposit options too.



Source by Kevin Fernandez

Add Style and Flair To Your Wallet With a Custom Bank Card

Custom payment cards are an ideal way to personalize your purse or wallet just a little bit more! These credit cards and debit cards allow you to add a little flair and style as you spend your hard-earned money. The benefits of a custom bank cards are endless and they are so affordable that there is no reason not to request one from your bank today.

In most situations, custom credit and debit cards cost little or no more than those traditional, borrowing credit and debit cards. All you have to do is submit a digital or hard copy of a personal photo of your family, pet, favorite vacation spot or something else to your bank when you order your custom bank card. The bank will then load or scan the photo into the payment card machine and your image will quickly become an easy way to spend and manage your money.

Some banks offer a "selection" of images to put on your credit or debit cards but that is a sorry excuse for a true custom bank card . Banks that use these personalized card vendors are able to provide an expansive choice of stock images and even logos and school mascots for you to use in addition to the option to use your own image.

If funky flair is not your style, still choose one of these personalized cards as a way to protect your identity and safety. Simply choose a headshot of yourself to load onto the top corner of your payment card as a way for retail locations to verify that no one else uses your card. Safer than a signature, submitting the photo yourself ensures that you can select a flattering, accurate picture while protecting your identity all at the same time.

A custom bank card is the solutions to many banking problems from identity safety to boring, traditional cards. Inquire at your bank today and make your credit or debit card the most popular item in your purse or wallet.



Source by Olivia Benson