Everyone who has ever used a car knows that construction is everywhere and that our roads are constantly being repaired and upgraded. What you may not be aware of is just how dangerous road construction can be for the workers involved as recent construction zone accident statistics indicate that both fatalities and accidents in construction zones are on the rise. To that end, here are three tips to make sure that you drive as safe as possible in a construction zone.
Follow the Speed Limits
Construction zone accident statistics paint a frightening picture of what can happen and why it is important to slow down. Follow posted speed limits in construction zones, and don’t go above them. Speeding is a contributing factor to many accidents and the dangers of speeding only rise in construction zones when the amount of traffic and hazards increases and roads tend to narrow. Remember, this is for the protection of workers plus our own wallet as many states have work zone cameras and increase fees for traffic violations in construction zones.
Treat construction equipment like you would a police or fire vehicle: Always give them right of way and move over if they are behind you. Controlling these vehicles can be tough for those driving them because they often have heavy equipment that makes maneuverability difficult. That’s why it is so important that you steer clear of these vehicles whenever possible and why you should always do whatever you can to avoid making the job of the drivers more difficult.
Keep Your Eyes on the Road
Distracted driving is one of the biggest dangers for drivers today, and those dangers only multiply in construction zones when there are more unexpected road obstacles and unpredictable hazards on the road. It is always important to make sure you are giving driving your complete and undivided attention, but it becomes even more critical when you are driving in a construction zone due to the number of people and accompanying equipment that are also sharing the road.
Driving in a construction zone is an unavoidable part of being on the road, so you owe it to the men and women who are repairing our roads to ensure that you do so as safely as possible. Follow these three tips and you will be well on your way to ensuring that you are following proper driving etiquette for construction zones.
Cool gadgets and high-tech cars count as some of the reasons why fans love James Bond movies so much. However, with recent advancements in auto technology, the fantasy of these movie cars is quickly turning into reality. New cars come equipped to keep you safer in accidents and to help you navigate the road better. Here’s a look at three of the most promising technologies on new cars today.
According to Optis, adaptive headlights increase visibility in low-light or low-visibility conditions. These lights come in handy when you have to drive at night, in the fog, or in heavy rains or snows. Low-light or low-visibility conditions also result from driving your car around a corner or over a hill. Cars that come with adaptive headlights may have sensors that measure the car’s speed, steering angle and other factors. The car’s headlights then adjust to the conditions, giving you greater visibility.
Collision avoidance technology helps to prevent accidents and even gives you more ways to sense what is around you. The whole purpose of these systems is to prevent accidents. They can make trickier driving situations, like lane departures or a car that’s stuck in your blind spot, a whole lot easier. One example of this new tech is cars that come with cameras on the back of them, which detect other cars, animals, or pedestrians. The system is activated once you start to back up. According to Bohn & Fletcher, some forward collision warning systems have an added feature that causes the vehicle to brake autonomously to avoid a crash. Other collision-avoidance systems can include self-leveling or animal and pedestrian spotlights.
Facial Recognition Software
Facial recognition software and technology isn’t just limited to finding friends on Facebook these days. In new cars, this technology has a pretty important role to play in keeping you safe. According to Hackernoon, new cars that have facial recognition technology may be used to prevent theft; only people whose faces the car recognizes can start the car. Other facial recognition software keeps track of the people who may walk by your car. This setup measures the cadence of the person’s walk and other features. This prevents someone from impersonating you by holding a photograph up to the car’s cameras. However, that’s not the only merit of this technology. Some facial recognition software can even detect when you’re starting to look tired, ensuring that you don’t fall asleep at the wheel while you’re driving. This software measures how often you blink, how you move your head or your facial expressions. If the software does detect an issue, it sends you a warning, usually in the form of sound. If you fail to respond to the alert, your car can initiate an emergency sequence, which can include stopping your car.
One of the reasons why people love to buy luxury automobiles is because many of these cars come with advanced safety features. These technologies prevent accidents before they happen, offer greater visibility and help to prevent theft. The days of wishing that the sci-fi car tech found in the movies are over; the tech is already here.
If you want to get into racing, the best methods involve avoiding jail time. According to Esurance, speeding tickets can vary between $50 to $2500 depending on the offense and which state you are in. Time paying off a ticket, or in jail, can slow you down on getting to where you want to go. So, if this is something you want to get into, here are some tips that can get you started.
Where to Do It?
If you already have a street-legal vehicle built for this, you may want to test it out on an abandoned road somewhere. The only problem with this strategy, someone may be looking. The police won’t waste time in giving you a ticket if you allow them to. According to Chicago Trusted Attorneys, some of the most common moving violations that can apply to street racers are a failure to yield, speeding, driving too fast, and improper lane use. With this in mind, you will want to avoid public roads if at all possible. If you know someone with private land, this would be a good place to start. If you do not know anyone, try asking other hobbyists where they do it. There are a few tracks that let you bring your car on the raceway for a price.
Finding Street Legal Race Cars
If you own a race car, you have one of two choices. Choice number one: get a race car, a truck that can haul the race car, and a trailer that can fit a race car. Choice number two: get a street-legal race car. Either option can set you back, but we will focus on option two. According to It Still Runs, getting a street-legal race car starts with being aware of many of the basic requirements: seatbelts, a working horn, functional headlights, an emergency brake, and an appropriate amount of ground clearance. Many popular options include muscle cars, luxury vehicles, and classics.
Join Your Communities
If you want to get into street legal racing, joining your local communities is a must. By spending time with people who know the business, you have a lot of knowledge to take form. Talk to people who frequent these events. You may already know people who just have a love of fast cars. By talking to those people, you may find a hidden wealth of information.
Getting into legal street racing involves a lot of twists and turns. This brings us back to our most important tip, don’t go to jail. Make sure you know the acceptable cars. If you don’t have a street-legal car, you are going to need some extra equipment to haul it. Finally, be sure to talk to people who have been there before. With these steps in mind, you will be able to start auto racing.
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Winter is coming, and in many parts of the country, that means slushy, snowy, and icy roads. Slippery conditions when driving are something that you need to adjust for by the early or middle part of the fall season to make sure that you’re ready when freezing temperatures and precipitation make the roads difficult to drive on. Ensuring that your tires are ready for the change in weather is essential for safe driving, and these are some of the most important pre-winter maintenance tips for your tires.
For Your Safety
Tires are fundamental to safe driving in winter road conditions, so it’s vital that yours are in optimal condition before driving this winter. Tires should be in good condition, properly inflated, and have any extra accessories that would be helpful for your geographic location and the weather. If you live in a region that receives snow and ice every winter, then you know what the ditch looks like the first time that there is frozen precipitation in the late fall to early winter. It’s very common for people to have a vehicle that isn’t ready for the change in road conditions, so sliding into the ditch is a very common thing for people to do. You can avoid this scenario by being mentally prepared and by having tires that are ready for the season.
When you want your tires to grip the road, they need to be properly inflated. Some people think that underinflated tires grip more of the road, but in deep snow, the opposite is actually true. Properly inflated tires put more of the car’s weight on less surface area, which helps your tires to cut through the snow better. You also need to remember to check tire pressure when the temperature changes because air contracts when it gets cold. Otherwise, you can also consider putting nitrogen in your tires because it doesn’t expand and contract as much as air.
Options for Tires
You might decide that you want to put snow tires on your wheels, which are better designed than even all-season tires for gripping the road in snowy conditions. Putting chains on your tires is also a good idea if you live in an area that commonly has unplowed roads. In fact, in some areas, such as some mountain regions, chains on your tires might even be a law. If you need to put chains on your tires, you should also determine which tires need chains based on which tires are supplying the power.
When you’re getting your car ready for the winter, a few simple and quick adjustments can greatly improve your ability to stop quickly and to maneuver your vehicle. Taking the time to prepare your tires can even prevent an accident.
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When you purchase a new vehicle, make sure you set aside time to check a number of its parts for routine maintenance purposes. If you want to make sure you protect your investment, this routine maintenance and some occasional service will go a long way. It’s important that you address potential problems before they take place. This will save you a lot of time and money in the long run. Following is information on some of the common parts you should be checked during routine maintenance at home or at a service center.
Brakes are incredibly important. After all, they are responsible for stopping your vehicle, both gradually and in an emergency. Without brakes that are working properly, you could have a very hard time staying safe while on the road. Poorly functioning brakes can also make the road a dangerous place for other vehicles. According to Car Treatments, some ways you can tell if your brake pads are bad are if your breaks are squeaky or if the brake warning light is on. If you aren’t sure how to check your brakes yourself, have a professional take a look at the quality of your brake pads and the integrity of the rotors. They can be tested as a whole for functionality.
Tires are the part of your vehicle that is responsible for keeping a good, safe grip on the road. If you have tires that are many years old, the lack of tread is going to cause problems. These issues can manifest during an accident, or they can also be the cause of an accident. According to Benson & Bingham, tire tread separations account for a large number of rollover accidents. Tire issues can also contribute to a tire blowout. This can cause a major accident to occur that, unfortunately, may involve many vehicles.
The oil in your vehicle is responsible for everything running smoothly. Routine oil changes are important, and they should be completed after every 3,000 miles that your car drives, according to The Car Doctor. In between and during your oil changes, you should have the quality of the material inspected. If the oil looks sludgy, or the amount of oil in your vehicle is low, these could be indications that larger problems are going on that should be addressed.
Routine maintenance for vehicles is incredibly important. If you have recently purchased a vehicle, establish an effective maintenance schedule with a reputable service center in your area. You can prevent a lot of expensive problems with just quick maintenance appointments here and there.
When it comes to car accidents, the real damage is often only seen after everyone’s gone home. Because you’ll have to make your claim with your insurance company and understanding and accepting that your insurance rates will increase more often than not. However, we can be proactive about this situation and try to avoid actions that may lead to an increase. The following list entails some of the ways that your insurance rates can increase.
Since car accidents are the most common of claims, according to iDrive Safely, it is no surprise that this costs your insurance company the most. Therefore, when you find yourself dealing with having to file a claim after an accident, they are more prone to hike up your rates quickly. For them, you are now part of the statistics of bad drivers. Of course, the best way to avoid this to simply avoid accidents altogether, but that’s not how the world works. You must be as cautious as possible so that if you do get into an accident the blame would most likely come from the other driver and you won’t take as much of a hit on your monthly bill.
Traffic tickets are the gift that keeps on giving. Simply said, receiving a ticket comes with way more than an increase in your insurance rates. You might also be required to pay a fine and show up to court, thus having to take time off work. Two things can be done to avoid tickets. Schedule your time so that you leave your home at an acceptable time that takes traffic and detours into consideration and understand that being on time is not worth paying hundreds of dollars and of course, your safety.
The average percentage of increase in your rates after a DUI offense is an astonishing 80% increase on your bill. According to Meldon Law, a DUI conviction can result in an annual insurance rate increase of thousands of dollars. As of this article, the average cost of insurance with a DUI sitting at $2,610, and this is simply because you are deemed a high-risk insurance client.
There are lots more ways that your insurance rates can increase, but these are the most common within the country. The best way to avoid being in this situation where you have to pay more is to simply be proactive about your choices. Plan your ride if you’re going to drink, organize your time efficiently, and adhere to the rules of the road when driving.
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If you have ever been involved in a car accident, then you already know how frightening it can be. It is important to follow safety precautions such as wearing your seatbelt in order to help ensure your safety if you are involved in a crash. Although not wearing a seatbelt can be a major reason for serious injury during a car crash, operating a vehicle that is not in proper condition can contribute as well. The following are some of the vehicle defects that can play a major role in an automobile accident.
Since a major part of preventing a car crash is being able to stop in time, not having brakes that function properly will significantly inhibit this. Even if you are driving responsibly, if another car darts out in front of you and you are not able to stop, there could be a serious repercussion.
Although there are still people who do not wear their seatbelts, having a properly working seatbelt can help prevent you from being thrown out of the car. Being thrown out of the vehicle can contribute tremendously to broken bones, head trauma as well as internal injuries. Therefore, wearing a seatbelt that doesn’t function properly is almost like wearing none at all.
Airbags have been known to save many lives in the event of a car crash. Earlier this year, reports emerged of a faulty airbag problem that affected over 12 million vehicles. Having airbags that work properly can help prevent your body from slamming into the wheel, which can result in a serious or deadly event.
Although virtually all cars have power steering which makes performing turns and maneuvering the roads quite easy. However, sometimes power steering fluid can run out or there could be other issues that cause the steering to not work properly. Not being able to steer the vehicle properly makes it extremely difficult to swerve if necessary.
Driving is a serious responsibility that requires more than just using signals and obeying traffic signs. Keeping up with vehicle maintenance is also a major part of driving responsibly that consists of more than just oil changes and tire checks. Whenever you notice anything off about your vehicle, whether that be the seat belt slack or if the wheel turns loosely, have that checked right away. Having a vehicle in optimal working condition can mean the difference between life and death.
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3 of the Best 2019 Cars With Great Rollover Stats
Other than your house, your car is probably the most valuable thing that you own. This article will focus on methods you can use to help protect your car against thieves.
Always Pay Attention to Your Surroundings and Your Gut
Always remember: If something doesn’t feel right, it probably isn’t. Although science cannot fully prove this, it seems obvious that most humans have an innate sense of danger. Science has proven that the human immune system will instinctively respond to danger, so this idea isn’t far-fetched. Sometimes, that feeling can arise when there is no apparent reason. When that happens, be sure to take extra precautions. When it comes to your surroundings, always pay attention to the things around you. When something changes, it should be cause for you to pay attention. For instance, let’s say you are walking to your car in a dark parking lot. You see some bushes rustling next to your car. Sure, it could just be the wind, but it wouldn’t hurt to throw a rock into those bushes just to be on the safe side.
Be Careful About Where You Park
Thieves generally look for easy targets. As such, you should take care to avoid turning your car into an easy target. Common sense tells us that a thief is going to avoid busy areas where they are more likely to be seen. They are also more likely to choose dark places and places with good nearby hiding spots. You can make your car less likely to be targeted by parking in well-trafficked and well-lit areas. Try to avoid parking next to things in which a thief might hide. Parking next to a Dumpster is usually not good, as Dumpsters are often frequented by drug addicts and other threats.
Cameras, Motion Detectors, and Alarms
You’d be surprised at how brazen some thieves can be. It is relatively common for thieves to break into cars that are sitting in the owner’s driveway, especially if they think the occupant is not home. A home security system can deal with this threat fairly easily. Some security system providers lock you into expensive monitoring contracts and make you buy packages including equipment and services you may not need. And if it’s worth it to you, that’s probably the most hassle-free method. However, if you know your way around a toolbox, there are plenty of DIY security gadgets that you can install yourself.
Use the GPS Trap Technique
If your car is being consistently robbed, there is a little trick that you can use. Inexpensive GPS trackers can be purchased online with little trouble, and these can be hidden in a valuable object or even inside the car itself. If the object or the car is stolen, the police can easily trace the thief and recover the property. The police frequently use this method to catch thieves. Another principle to remember: Anything you can predict, you can control. When you apply this idea to theft prevention, the conclusion is obvious: You can always count on a thief to steal if you give them an opportunity. Just make sure you buy the smallest tracker you can find and hide it well!
Upgrade to Newer Models
You might want to consider selling or trading your car for a newer model. Although newer cars tend to be more expensive, they also tend to have a lot more anti-theft features. In fact, there are numerous tricks that thieves can use to gain access to older vehicles. Most of these tricks are no longer possible on newer vehicles. For instance, older vehicles can be hot-wired, allowing a thief to start the car and drive away even if they do not have the key. By using a flathead screwdriver to substitute for the key, they can trick the car into thinking that the key is present. From there, they just have to touch two wires together, and the car will start. Newer vehicles have several different features that prevent this type of theft. If you’re going to buy a new car, consider a luxury vehicle. Not only do they offer superior comfort and performance, but they usually offer excellent theft protection.
By utilizing a few basic principles, you can make your car a lot less likely to be targeted for theft. Stay aware of where you park, set up security systems and home and consider installing a GPS-tracking device in your car. It can also make sense to upgrade to a vehicle with advanced security features. Either way, you can have peace of mind knowing that your car is more protected.
Rollovers are one of the most dangerous types of car accidents. Rollovers are most likely to be caused by tripping, speeding on a curve, and/or overcorrecting or swerving. If safety is your primary concern, you want a car that is going to be resistant to rollovers. Here are some 2019 vehicles with great rollover stats.
The 2019 Volvo S60 is Volvo’s latest addition by the German manufacturer in their S60 line of vehicles known for their safety performance over the years. The vehicle was re-designed in 2019, but still maintains Volvo’s emphasis on safety. The vehicle is rated as good for preventing all types of injuries by the IIHS. This applies to whether being hit from the side or the front. In addition, the roof strength indicates a peak force of above 22,000 pounds. This places it at the highest point on the rating scale. For accident prevention, it also includes optional blind-spot detection, standard lane-departure warnings and standard daytime running lights.
The 2019 Buick Lucerne is also a strong contender among safe cars. The overall evaluation for this vehicle by IIHS indicates a G on the scale. Among injury rates for all accidents, it rates well on most levels and an “A” for Acceptable for torso injuries. The roof strength is fairly close to the Volvo, at nearly 20,000 pounds of force. The vehicle also has a premium trim which enhances the forward collision system.
BMW Z4 Convertible
A convertible isn’t known to inspire safety, but BMW still has some impressive features in its most recent iterations of the Z4. Many of these features are preventative in nature: lane departure, blind-spot detection, and other features you may expect from a luxury vehicle. The Z4, or sDrive30i, is set low to the ground. This means it has a natural resistance to rollover accidents. At the time of this article, regular safety ratings have yet to be released for the 2019 model. BMWs have historically been known for being some of the safest cars on the market.
When selecting a vehicle build for safety, there are many different methods that car companies use to prevent injuries. Many newer and luxury models bolster this with features like blind-spot detection and lane-change assist. If safety is your priority, the BMW Z4 has a strong showing. Based on the stats, the decision will be up to you.
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Everyone is aware of the financial crisis that hit in 2007–2008, and many of us are also aware that a bank crisis, followed by a housing bubble, initially created the crisis. The banking industry had become less regulated due to the repeal of some regulations and the passage of other Acts that allowed banks to use their deposits in risky markets. Banks used subprime and interest-only mortgages to help fund these trades. When rates rose and house sales stalled, the financial house of cards collapsed. New regulations, such as the Current Expected Credit Loss (CECL) standard, were passed later to help prevent another such crisis.
What is CECL?
In direct response to the 2008 financial crisis, the Financial Accounting Standards Board (FASB) released the final Current Expected Credit Losses (CECL) standard in 2016. The CECL changes how banks estimate losses when calculating the allowance for loan and lease losses (ALLL). According to Visible Equity, CECL will expand the information that should be considered to include ‘reasonable and supportable’ forecasts, which is technically prohibited prior to CECL adoption. CECL also stipulates that financial institutions weigh current conditions and historical data to estimate the expected losses over the entire life of the loan.
If You Have Low Credit, You May Have a Tough Time
According to American Banker, CECL may have unintended consequences. Not only will people with low credit scores have a more difficult time getting auto loans because of the new calculations over the life of the loan, but there will also inevitably be a financial cost that will be passed to the consumer. Banks will have to expend more time and money to implement the CECL, and the resulting costs will then be added to the cost of the loan. This can make it more difficult for both people with bad credit and for people with limited financial resources to afford the loan.
Prepare for CECL
CECL will be implemented by financial institutions at the end of 2020. Banks will have a learning curve during the initial use of CECL, and this fact, coupled with stricter lending criteria and possibly higher fees for loans, will adversely affect the ability of people with limited incomes and/or low credit scores to afford an auto loan. According to ALLL, for people with these circumstances who are considering buying a car, it may be a good idea to purchase a vehicle prior to the CECL adaptation.
The new CECL is meant to help prevent another recession occasioned by bad lending practices. However, it may also prevent many from acquiring a necessary means to get to work and participate in other economically advantageous activities. Now maybe the time to apply for an auto loan before doing so becomes more difficult.