Tag Archives: safety

Car safety features lower insurance rates

 Car safety features guarantee lower insurance rates.

Since 1999 inflatable air bags in the front of the driver and passenger have been compulsory. Insurers base discounts on the number of airbags in a vehicle.

Some insurance companies offer about 2% for a driver’s side airbag. Reductions in premiums can rise up to 30% for curtain bags and seat belt inflatables.

Anti-lock brakes were introduced in the 1970s. Many insurers offer discounts for drivers with ABS on their vehicles.

Automatic seat belts connect to the door and fasten automatically when the door is closed. However, major concerns are safety as well as proof of outright danger resulted in a short lifespan for these belts.

Insurance companies like to track how likely your car is to be stolen. The area you live in determines how likely your vehicle is to get stolen.

An alarm reduces the risk of car theft. Insurers are happy to thus offer a discount for an alarm installation.

Adaptive cruise control, collision avoidance systems and lane departure warnings are helping to change the industry.

Electronic stability control is a technology feature that helps prevent sideways skidding. A system of sensors and a microcomputer also prevents spin-out and loss of control. Auto insurance collision losses for cars equipped with this technology are 15% lower than for vehicles without it.

There are additional safety features which will increase your chances of an insurance premium discount.

Dashboards that provide night vision to drivers.

Drowsy driver warning systems which are usually found in high-end cars.

Daytime running lights make you more visible to other drivers as well as pedestrians.

A Blind Spot Detection System lets you know when an object is in your blind spot.

Rearview cameras help you see other vehicles or objects you might not catch in your rear and side-vision mirrors.

The insurance industry takes years to see which safety features provide a safer driver environment. New discounts are thus introduced slowly.

Singapore drivers

AIG has launched a nationwide search to find the best Singapore drivers. They are using “AIG on the Go”, a telematics-based smartphone application.

A driver’s performance is scored each time they get behind the wheel. Telematics measures driving performance against a range of factors. These factors are acceleration, braking, cornering and speed.

The app provides a score for each completed journey. Useful driving tips are given to the driver. The app allows drivers to influence their AIG Singapore car insurance premiums by improving their driver behaviour.

Safe drivers with high scores will be given discounts up to 15 percent off their yearly AIG Singapore car insurance premiums and there is a $10,000 prize for the safest driver.

More than half the drivers in Singapore say they feel unsafe on the roads. Injury accidents rose from 8058 to 8277 in 2016. This shows an upward trend of 2.7 percent.

AIG hopes to help Singapore drivers to cultivate good road safety habits. Traffic accidents will therefore be reduced with the bonus of dollar savings.

Participants can also enter a man vs woman driving competition. It ends on 30 April 2017. The debate about which is the safer driver will be brought to an end.

In addition, AIG found that younger drivers are more reckless. Thus they have a parental control feature on the app. Parents will be able to track their children’s driving behaviour.

A survey showed that almost 70 percent of Singapore drivers would consider installing a telematics device in return for lower premiums. More than 50 percent of the drivers are sure that telematics would improve their driving habits.

Further assistance on the app includes roadside assistance and directions to workshops.

AIG Singapore has also launched a road safety programme for pre-schoolers. This is in order to cultivate a generation of safer road users with good safety habits. This programme is in partnership with the Traffic Police. To date 4000 pre-schoolers have been taught road safety rules. Another 900 pre-schoolers will be taught in 2017.

Safer Roads in America (Part 1 of 2)

A vision of safer roads in America with zero deaths brings multiple agencies and organizations together to create a “toolbox” to address safety issues using the concept of the “4 E’s” of safety. (engineering, education, enforcement and emergency medical services).

Over the years, The American Traffic Safety Services Association (ATSSA) has shown that the installation or upgrade of roadway safety features can provide immediate and substantial safety benefits which will contribute to safer roads in America.
Examples are:

  • In Mendocino County, California, the number of crashes plummeted 42 percent while fatalities fell 61 percent following aggressive sign installation programs. The total program cost $79,260 however accident cost savings were over $12 million.
  • The City of Redmond, Washington installed 13 in-street pedestrian crossing signs at crosswalks on roadways with speeds at or under 30 mph. Before the sign installation, driver-stopping compliance ranged from 19 – 67 percent. After installation, the conformity ratio ranged from 68 – 98 percent.

In 2005, Americans traveled almost 3 billion miles. People speed, talk on cell phones, eat and even read while driving. ATSSA worked closely with Congress and the Administration to make roadway safety a key feature in the legislation:

The issues are:

  1. Highway Safety Improvement (HSIP)
  2. Strategic Highway Safety Plans
  3. Work Zone Safety
  4. High-risk Rural Roads
  5. Roadway Hardware
  6. Brightness and visibility of signage and markings
  7. Older drivers
  8. Congestion mitigation
  9. Funding Roadway safety
  10. Funding the Highway Trust Fund

Additional recommendations from the study were:

Highway Safety Improvement Program (HSIP)

The focal point should be on effective low-cost roadway safety improvements:

  1. Intersection safety improvements.
  2. Providing it does not affect the safety or mobility of bicyclists, pedestrians and the disabled, rumble strips or other warning device should be installed.
  3. Safety devices which are for the benefit of pedestrians, bicyclists and the disabled.
  4. The elimination of hazards at railway-highway crossings.
  5. Construction of a traffic calming feature.
  6. Elimination of a roadside obstacle or the shielding thereof, if it cannot be removed.
  7. Improvement of highway signage and pavement markings.
  8. Installation of a priority control system for emergency vehicles at signalized intersections.
  9. Installation of a traffic control or other warning device at a location with high accident potential.
  10. Safety – conscious planning.
  11. Improvement in the collection and analysis of crash data.
  12. Operational or traffic enforcement activities relating to work zone safety.
  13. Installation of guardrails, barriers and crash attenuators
  14. Installation of barriers between construction work zones and traffic lanes for the safety of motorists and workers.
  15. The addition or retrofitting of structures to eliminate or reduce accidents involving vehicles and wildlife.
  16. Installation and maintenance of signs (including Fluorescent Yellow-Green signs) at pedestrian level crossings and in school zones.
  17. Projects and activities eligible for funding under the HRRR program (High Risk Rural Roads program)
  18. Installation of a skid-resistant surface at an intersection, horizontal curve, or other location with a high frequency of accidents.
  19. Roadway safety training for traffic control technicians, traffic control supervisors, pavement marking technicians and supervisors and inspectors and guardrail installation supervisors and inspectors.

Strategic Highway Safety Plans

The U. S. Road Assessment Program (usRAP) provides a new approach to organising highway safety information. The primary tool for the usRAP is the “Risk Map”. These maps illustrate the safety performance. usRAP has established a risk mapping protocol to help highway agencies understand variations in the level of crash risk across their road network. usRAP risk maps help users see which roads have the highest and lowest risk of fatal and serious injury crashes and can provide a useful tool to help highway agencies in setting safety improvement priorities.

Work Zone Safety

With many highways and bridges at or near end of their useful life, system preservation (resurfacing, restoration, rehabilitation, reconstruction) has become critical and roadway work zones are likely to be more prevalent in the future. Work zones impact the safety and mobility of the travelling public, businesses, highway workers and transportation agencies. Unsafe work zones can result in the loss of life, the loss of productivity and a growing frustration on the part of the motoring public.

Maintenance and reconstruction activities on our nation’s highways are increasingly taking place while traffic is being maintained and at night. This results in an increased risk of injury or death for highway workers who already suffer a fatality rate that is more than double that of other construction workers.

Whether it is dealing with hazards as common as working within inches of motorists travelling at high speeds or as rare as finding what could be a pipe bomb, perhaps no occupational setting has more diverse and complex set of perilous situations than highway work zones.

High Risk Rural Roads

Rural roads are the most dangerous roads in America. NHTSA reports that nationwide, for the years 2000 through 2007, rural traffic fatality rates were more than twice that of urban areas. According to the FHWA, crashes on rural roads tend to be more severe for a number of reasons:

Rural collectors and local roads tend to lack features such as paved shoulders, clear zones and divided directions of travel. Rural roads tend to have higher average vehicle speeds, partially due to relatively low volumes. Data indicates there is typically more alcohol involvement in fatal crashes, and, in addition, rural areas have lower safety belt usage. When a crash does occur, medical facilities tend to be at greater distances and, as a result, crash victims have longer wait times for medical treatment.

NHTSA reported that in 2009, among all crashes that occurred on rural roadways, 80.6% of them were run-off-the-road crashes. Contributing factors include curved roads, high speed limit roads, fewer lanes, young drivers, speeding, alcohol use, driver performance related factors (sleepiness, inattentiveness, over-correction, crash-avoiding), and adverse weather conditions.

Edge drop-offs on High Risk Rural Roads

An estimated 11,000 Americans suffer injuries and 160 die each year in crashes related to unsafe pavement edges, at a cost of $1.2 billion. An edge drop-off of four or more inches is considered unsafe if the roadway is at a 90 degree angle to the shoulder surface. Near vertical edge drop-offs of less than four inches are still considered a safety hazard to the driving public and may cause difficulty upon re-entry to the paved surface. A low cost countermeasure to improve edge drop-offs is high visibility striping with raised profile that give audible alerts to errant drivers while also improving wet and/or night visibility which will contribute to safer roads in America.