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Motor Vehicle Accidents Archives | Devact

Other Types of Automobile Insurance Coverage in NC

Posted in Accidents, Automobile insurance, Insurance, Motor Vehicle Accidents on Fri March 24, 2017



In previous blog posts we discussed the different types of automobile insurance available in North Carolina.

The coverages below may be purchased in addition to your basic automobile coverage. You will be charged an additional premium for electing these options.

Automobile Death Indemnity, Specific Disability and Total Disability Benefits Coverage

This endorsement will provide a benefit for death, dismemberment, specific disability and total disability resulting from an automobile accident.

Miscellaneous Type Vehicle Endorsement

Motorcycles,

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Uninsured and Underinsurance Automobile Coverage

Posted in Accidents, Automobile insurance, Insurance, Motor Vehicle Accidents, Personal injury on Fri March 17, 2017



Uninsured Coverage

First, you need to understand the difference in these two types of coverages.  Uninsured coverage (abbreviated as UM on your declarations page) is for situations where the person who caused the accident did not have insurance at the time of the accident (even though to not have insurance is against the law).  It is required in all automobile insurance policies and covers personal injuries and property damage you might sustain due to another person’s negligence in causing the wreck.  

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Collision and Comprehensive Automobile Insurance Coverage in NC

Posted in Automobile insurance, Insurance, Motor Vehicle Accidents, Personal injury on Fri March 10, 2017



When your car is damaged in an accident, it is possible that the person who caused the accident may not have enough coverage to repair or replace your vehicle.  If you have optional collision coverage in your own automobile insurance policy, it can be used to help pay for this damage.  Using your collision coverage will not increase your insurance premium unless you were at fault.

Also, sometimes when you are involved in an accident the other insurance may move slowly in paying for your car. 

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Make safe driving a priority over Thanksgiving

Posted in Motor Vehicle Accidents on Wed November 23, 2016



With Thanksgiving almost upon us, millions of people will be hitting the roads and highways in the coming hours, driving to destinations near and far in order to spend the long holiday weekend with family and friends.

Indeed, AAA Carolinas is estimating that close to 1.2 million North Carolinians, roughly 90 percent of the state’s holiday travelers, will be going 50-plus miles by car over Thanksgiving, eager to take advantage of the lowest fuel prices in eight years.

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Why is the NHTSA telling automakers to make it loud?

Posted in Motor Vehicle Accidents on Thu November 17, 2016



When it comes to automobiles, the tastes of American consumers have evolved considerably over the last decade. Indeed, they are now looking for more than just powerful engines and novelty features, rather they want computer interfaces, advanced safety features and, of course, good fuel economy.

For many prospective buyers, this latter concern is paramount, as they don’t want to be at the mercy of fluctuating gas prices and want to limit their carbon footprint. In fact, it’s for this reason that sales of hybrid and even electric cars have been very good for both domestic and foreign automakers.

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Stay awake, stay safe: It’s Drowsy Driving Prevention Week

Posted in Motor Vehicle Accidents on Fri November 11, 2016



From the end of daylight savings time to staying up late to watch the election results, there’s a good chance that more than a few Americans were behind on sleep this week. In fact, while most of us think nothing of occasionally getting a few less hours of rest, the reality is that it happens far more often than we think and, more significantly, that it has a dramatic impact on road safety.

Interestingly enough, this week is actually Drowsy Driving Prevention Week,

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How much do you know about the FMCSA’s ELD mandate?

Posted in Motor Vehicle Accidents on Fri November 4, 2016



In the aftermath of any devastating truck accident, one of the first items that must be secured and examined is always the trucker’s logbook. That’s because it can provide valuable insight into whether the trucker violated the applicable hours of service regulations and was potentially driving while fatigued. It can also help establish whether the trucker falsified an entry.

Interestingly, an impending rule from the Federal Motor Carrier Safety Administration mandating what are known as electronic logging devices may serve to make this exercise much easier and perhaps even unnecessary given its potential impact on road safety.

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Motor vehicle accident fatalities increase by highest rate in fifty years

Posted in Motor Vehicle Accidents on Mon October 17, 2016



Cars are getting safer, educational signs about the dangers of distracted and drunk driving abound and yet deaths due to car accidents experienced a striking increase last year. What resulted in this jump?

The United States Department of Transportation’s National Highway Traffic Safety Administration (NHTSA) recently dug into this issue, examining both the data behind fatal accidents throughout the country as well as contributing factors.

Looking at the data: How many fatal car crashes in 2015?

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