New Auto Technology Can Save Lives
We’re well beyond seatbelts in today’s modern automobile technology. There are many new safety features and just cool technology that keeps coming out each year, revolutionizing our driving world.
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Forward Collision Warning / Emergency Braking System
“Predictive Emergency Braking System” this new and very technologically advanced feature uses radar to scan for potential possible collisions in front of your car, and if it senses another car in front of you that you are likely to hit, the feature will alert the driver via sound and light signals, if the driver doesn’t react, then the system will activate the full braking power of your moving vehicle to slow you down or stop your car automatically.
Electronic Stability Control
This newer technology detects if your car loses its steering control, like on slippery roads, and it applies brakes on each wheel. This helps the driver steer the car in the right direction without the car skidding around and crashing into other cars, tree’s, barriers, or whatever. Understeering when the front wheels can’t grab enough traction, and oversteering is when the car turns further than the driver is moving the steering wheel; both understeering and oversteering are corrected with the ESC system. The system will use each brake on each tire individually to gain control of the car’s trajectory, and get the driver back into control to steer in the direction the driver wants to go. Each manufacturer may call it different things, like Electronic Stability Program, or Advance Trac, Vehicle Stability Assist, Stabilitrak, Porsche Stability Management, etc.
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Adaptive Cruise Control
Also called Autonomous cruise control, basically it adjusts your speed for you if someone in front of you is going to slow you down out of your locked in cruise control speed. It is a safety feature that I’m sure almost all of us could have used at many times in our driving experiences, especially on long drives. You’ll get cruising along going great and then suddenly you are right up onto some slow-going out of towner, sightseeing, that is not being courteous to others in the passing lane, and you have to kill your cruise control. This feature will sense these daydreamers in front of you, and slow your car down automatically, once you have gotten around that car, you can “resume” your cruise control and keep moving happily forward.
Lane Keeping Assist System
Basically, what this feature does is it uses camera’s that are mounted in your windshield, and sometimes on different parts of your car, that look at the road. This technology will identify the different lanes in the road, and help you stay in your lane. When you start to drift in your lane, this assist can pull you back into the middle of your lane (if you aren’t signaling), or warn you that you are drifting with flashing lights or alarms, depending on what car you buy and the technology in the car make/model of car you have. The driver can override this feature.
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Are Ambulance Rides Covered By Health Insurance?
If you have a qualified health plan (QHP) the answer is yes. A QHP is an insurance plan that is certified by Nevada Health Link in Nevada that covers “10 essential health care benefits” including emergency transportation. You may need to pay a deductible, co-payment, or co-insurance for your ambulance trip.
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Motorcycles, mopeds, scooters and bicycles may account for a relatively small percentage of vehicles on the road, but they are consistently over-represented in fatal traffic accidents.
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What Is the Best Vision Insurance?
Vision insurance is supplemental health insurance that covers vision-related care. This includes annual visits and emergency care, along with corrective products such as glasses and contacts.
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Back Up Warning System
These sensors, along with a backup camera, alerts the driver if they are getting close to any obstacles behind them, so the driver can see what is behind them and avoid hitting that object. Many new cars come with these systems built in, but if your car does not have a back-up system installed, there are many systems you can buy at stores like BestBuy or Amazon or others.
Phone Apps For Distracted Driving
Majority of Car Accidents Caused By Distracted Driver
According to Eric Bolton, a spokesperson for the National Highway Traffic Safety Administration (NHTSA), most car accidents are caused by a driver who was distracted. Every day, nine people die because of distracted driving, and far more have close calls because of multi-tasking behind the wheel. If you’ve ever looked around while driving, you’ve probably noticed how many people are dividing their attention between driving and texting, surfing the internet, or searching for the next song to listen to. It’s not hard to see how this habit can result in a tragedy. Fortunately, there is an increasing number of tools to help drivers stay safe and alert when driving.
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Top Reasons for Distracted Driving
Unsurprisingly, our smartphones are the most common of driving distractions. From reading and sending texts to looking up directions, many drivers divide their attention between their driving and their cellphone – often, unsuccessfully. A text takes an average of five seconds to read, and whether you’re traveling at high speeds down the interstate or driving through a residential neighborhood, a lot can happen in that small window of time. Studies have shown that 97.5 percent of people cannot safely drive and text at the same time. Unless you are in the 2.5 percent that can, (most think they are in that 2.5%) you should put the phone away when you’re behind the wheel.
This is just one the most common distractions that drivers face. Others include eating and drinking, driving with kids or pets in the vehicle, picking the next song by adjusting the radio, conversations with other adult passengers, and road rage. Anything that pulls your attention away from your driving has the potential to cause an accident.
How Phone Apps Help
Old habits die hard, and no matter how dedicated you are to safe driving, you may automatically reach for your smartphone the next time you hear the ding of an incoming text. To combat this prevalent issue, app developers are working to make your smartphone a tool for fighting, rather than causing, distracted driving.
Different distracted driving apps offer a variety of different features, from tracking how many miles you’ve driven safely to blocking incoming calls, texts, and notifications. Some even offer location sharing or send out a parent notification when their teen driver has arrived at their destination.
For example, Farmers Insurance has an app called Signal, it helps drivers track their habits. It analyzes and provides ongoing feedback regarding driving habits, helping subscribers recognize when and where they’re most likely to get distracted. It provides a personalized map that shows the driver their route, their mileage, and how much time they spent behind the wheel, and it highlights unsafe habits and incidents like sudden braking and excessive speeding.
Let Nevada Insurance Enrollment Help You!
Distracted driving apps are highly beneficial for drivers who have difficulty maintaining their focus, and as a bonus, some apps can even score you a discount on your auto insurance. Talk to your insurance agent to learn more about distracted driving apps and choose one that fits your lifestyle.
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If you move out of state, you’ll need to get coverage in your new state and need to report your move within 30 days and enroll into a plan within 60 days, but each state rules may vary. When you move, if you have insurance now, it would be considered a qualifying life event.
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What Is An Exclusion In Health Insurance?
In health insurance, an exclusion is a medical procedure or treatment that the health insurance company does not cover. This may include specific medications, surgeries or therapies that are specifically omitted from your policy.