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Category Archives: Personal Injury Protection (PIP)

Auto Insurance Agents Warn Parents Of Youthful Drivers

Youthful Operator with Youthful PassengersPOST DATE October 23, 2012 – Over the part 20 years, I have received thousands of phone calls advising me children of those auto insurance customers have obtained their drivers license.  Since 1992,  both me and my auto insurance agents have advised those parents on youthful driving do’s and don’ts on our part as auto insurance agents. As auto insurance agents are aware all over the United States, youthful operators are at the highest risk of having car insurance accidents then any other driving risk group.


Auto insurance Agents warn the possibility of 16-17 year old drivers to be involved in fatal crashes is higher when there are other teen passengers in the car. This is compared to the risk of the same youthful driver risk group is they do not carry any youthful passengers. Auto Insurance Agents say the risk will increase to 44 percent when a young driver carries a passenger younger than 21 years with no other older passengers on board. When the youthful operator carries two passengers below 21-year old passengers. Sadly the risk grows dramatically when more kids are in the car.  Both my auto insurance agents and myself have been warning parents for 20 years.  We want to insure our PA and NJ Auto Insurance Customer prohibit their kid from having other kids in the car.  It’s only been just recently efforts to make teen driving more secure have started.  A few years ago lawmakers passed laws that regulate how teenagers shall be able to drive.

The  system to phase responsibility factors into youthful or beginner drivers shall have the privileges of driving. Fatalities involving young drivers will drop significantly. Many young drivers are involved in these accidents. A kid before being allowed to drive legally undergoes 50 hours of supervised driving in which he or she would be taught of the Dos and Don’ts on the road. And after those hours, the typical parents allow those teens to carry loads of their young friends in a car.  We all  realize what can happen when kids are left  alone in you home. Imagine what can happen inside a car? The same things which will happen with an unattended home – but you home is traveling at 50 miles per hour with 6 friends in attendance.  Beyond forbidding your teen driver from having youthful passengers,  you should not permit them to use their cell phones for any purpose – specifically texting.  One of my customer’s kids was recently involved in a very serious auto accident.  After the claimants attorney reviewed the cell phone records, it was discovered the 17 year old was texting his girlfriend within a minute of the accident.  The accident caused a family of 4 to be rushed to the hospital with serious injuries – ONE FATAL!


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206

PA Auto Insurance Fraud Charges Pending Against Foolish Customer

POST DATE October 22, 2012 – Once again I present a very silly story.  A story of PA auto insurance fraud charges being brought against PA auto insurance customer. Why Silly? Anytime you attempt PA Auto Insurance Fraud, it’s silly!  Pennsylvania Law Enforcement have filed charges against a woman who was reported to have perpetrated… Continue Reading

Motorcycle Accidents More Frequent Than Car Crashes

Post Date October 9, 2012 –  The most recent data available for motorcycle accidents from the U.S. Department of Transportation shows fatal motorcycle accidents are more frequent to four-wheel cars and trucks. 58 in every 100,000 registered motorcycles have been involved in a fatal crash .  This is compared to only 13 in every 100,000 passenger… Continue Reading

Ohio Car Insurance Companies Concerned about Deer Population

Post Date September 30, 2012 – Although Deer may be good for pulling Santa’s Sleigh or a Front Yard Christmas Display; they are not very good in large numbers when mixed in with automobile traffic.  Ohio Car Insurance Companies need their customers need to be focused on being careful on the Buckeye States Streets, Roads… Continue Reading

Auto Insurance Rates Contributes To 2012 Market Study

Post Date September 29, 2012 — An Automobile Market Study conducted in 2012 shows more United States citizens have focused their new car purchase on  smaller cars. GFK Automotive, an auto market research company used auto insurance rates and new car purchase data to prove American car buyers are preferring to buy smaller more fuel… Continue Reading

Auto Insurance Claims Are Far More Costly In 2012

Post Date September 22, 2012 – Auto insurance claims data released by the Highway Loss Data Institute (HLDI) yesterday, Thursday, Sept. 20, shows cars built between 2009 and 2011 have been much most costly to repair. The study used data from insurance claims after 2008.  As for claims coming from (PIP) coverage, showed the Toyota… Continue Reading

Auto Insurance Claims: When Is An Appropriate Time To File

Post Date September 8, 2012 –  Anyone whom is either insured with us or follow my Blog know we are licensed to sell auto insurance and many other insurance products.  Although its very important we sell new auto insurance policies every day, those whom already have and auto insurance policy and have been involved in… Continue Reading

NJ Auto Insurance PIP Law Needs To Be Followed

Post Date September 6, 2012 – Anyone from the State of New Jersey’s knows how difficult is was to buy auto insurance coverage over a decade ago.  It’s been just a little over 10 years since Auto Insurance Reform finally came to the drivers of State of New Jersey.  A few weeks ago; The State… Continue Reading

Hybrid Cars—The Quiet Killer

Hybrid Cars—The Quiet Killer

Wednesday’s Post 12/21/11 –  According to recent studies, hybrid cars may be much safer for its passengers. On the other hand, because of  their weight and reduced noise; pedestrians are unlikely to hear an approaching hybrid increasing chances  and severity of  serious accidents.  From statistics gathered by the Highway Loss Data Institute (HLDI) of Virginia,… Continue Reading

Are Hybrids Safer; Yes or No?

Are Hybrids Safer; Yes or No?

Sunday’s Post 11.27.11 –  A study from Virginia based Highway Loss Data Institute (HLDI), notes that hybrid vehicles, which are typically weightier than non-hybrids of similar make, offer better protection for occupants during car crashes. The report revealed that the odds of sustaining serious injury during car accidents are 25 percent lower for hybrid occupants than… Continue Reading