Repeal Utah Car Insurance Law - DOC

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June 2006                                      PRESIDENT’S MESSAGE
                                                                    KERI MORRELL
Local Officers                                         CIC, AAI, AIS, ASLI, CISR, CPSR, CPIW, DAE
President
Keri Morrell, CIC, AAI, AIS, ASLI, CISR,   It has been my honor to serve as your president for the past fiscal year –
              CPSR, CPIW, DAE              and what a year it has been!
P.O. Box 432
Magnolia, MS 39652
601-783-3301 W                             We have made it through Katrina and Rita’s evacuees and looters,
601-783-3303 F                             claims and “cussings,” moved Regional Conference to Birmingham, and
deucetou@aol.com                           moved National Convention to Orlando. We have worked long and
                                           hard and might even be catching up some and now hurricane season is
President Elect
                                           upon us again.
Ruth E. Phillips, CISR, CPSR, CPIW
P.O. Box 864
Summit, MS 39666                           But is has also been a terrific year for our association. I am so proud
601-783-3301 W                             that all of the association’s hard work has been recognized by our
ruthie_phillips@yahoo.com                  winning the Regional and National Pinnacle Award in our size category.
                                           We may be small, but we are mighty! Sometimes it has been hard work
Secretary
Mary M. Stogner, CPIW                      or something that we really didn’t look forward to doing, but we have
P.O. Box 625                               always pulled together and accomplished the tasks put before us. This
McComb, MS 39649                           is something that we can all be proud of and should celebrate! Special
601-684-3921 W                             thanks to Ruthie for being so diligent in her efforts to encourage and
mm4jones@bellsouth.net
                                           record our activities and never giving up on submitting that ever
Treasurer                                  changing application.
Virginia Zeigler, AAM, ACSR, AIT, CPIW
P.O. Box 625                               I look forward to seeing each of you at our annual fish fry. Perhaps we
McComb, MS 39648                           can celebrate our success while we share fellowship. Bring an appetite
601-684-3921 W
                                           and a good fish story!
ginyaz@telepak.net

Board of Directors
Bea Jones, ACSR, CISR, CPIW
P.O. Box 635
Meadville, MS 39653
601-384-2308 W
beatiger1@yahoo.com
                                           Mississippi Farm Bureau Casualty Insurance Company files revised
Kylene Moak                                rates for their Church Package Program resulting in an overall rate
2195 Barnett Road                          increase of 35.0% effective date July 1, 2006.
Summit, MS 39666
601-783-3301 W
kkblue2195@yahoo.com                       Progressive files revised rates and rules for its Recreational Vechicle
                                           program. The overall proposed rate level change is an in increase of
Deborah Ledford, CIC, CPIW DAE             16.8%. Effective Date August 10, 2006 (new) and September 9, 2006
Dual Member                                (renewal.)
                                  Despite knowing that driving and talking on a cell phone at the same
                                  time is dangerous, and that it is safer to use a hands-free device to hold
                                  the cell phone, a large majority of drivers with cell phones still talk on
                                  the cell phone and drive at the same time. This is especially true with
                                  younger adults.
     DATES TO REMEMBER
                                  Even in states that have laws requiring the use of a hands-free device,
              June                many adults are not using the hands-free device, although those laws do
                                  seem to have some effect. These are some of the results of a Harris Poll
1st-4th NAIW National             of 2,085 U.S. adults surveyed online by Harris Interactive between May
        Convention, Orlando, FL   9 and 16, 2006.

6th – 8thPIA Agent’s License      About three-quarters (73%) of adults who drive and have a cell phone
         Review, Jackson, MS      (78% of all adults drive and have a cell phone) say that they talk on their
                                  cell phone while driving. Two-thirds (67%) say that they sometimes talk
13th   CISR Advanced Learning     on their cell and drive, while only six percent admit to doing this all the
       Seminar, Baton Rouge LA    time. Just over a quarter of adults (27%) say that they never talk on their
                                  cell while driving.
14th   Flag Day
                                  This pattern holds pretty much across all regions of the country, with
       CISR Advanced Learning     higher numbers in the Midwest (76%) and South (77%). Only in those
       Seminar, New Orleans, LA   states that have a law that requires use of a hands-free device (New
                                  York, New Jersey, Connecticut and Washington DC) are the
16th   Annual Fish Fry and        percentages lower (61%).
       Installation Ceremony at
       Morrell’s Camp             Interestingly, younger adults are more likely than their older
                                  counterparts to drive while talking on a cell phone. Almost nine in 10
18th   Father’s Day               (86%) Echo Boomers (those ages 18 to 29) say that they talk on their
                                  cell phone while driving, as compared to about half (48%) of Matures
20th   CISR Advanced Learning     (those ages 61 and over).
       Seminar, Shreveport, LA
                                  For those who admit to talking on their cell phone while driving, a large
21st
       CISR Advanced Learning     majority (72%) say that they hold the cell phone. Only 28 percent say
       Seminar, Lafayette, LA     that they use a hands-free device that cradles the cell phone. Even those
                                  in states that have a hands-free law, just 55 percent say that they use the
       PIA Personal Auto,         hands-free device, while the remaining 45 percent say that they hold
       Jackson, MS                their phone.
                                  Over half (56%) of adults say it is at least dangerous, with 31 percent
       Summer begins              saying it is very dangerous for someone to use a cell phone while
                                  driving. Another 26 percent say that using a cell phone while driving is
30th   Last day of extension to   somewhat dangerous, and only 18 percent say either slightly dangerous
       renew Agent’s License      or not dangerous at all.

                                  Source: Harris Interactive
                                                        Every year children are seriously injured and killed
                                                        when they're hit by a vehicle backing out of a
        NEWS FROM OUR MEMBERS                           driveway. But a child is up to 2 1/2 times more
                                                        likely to be backed over by a minivan or truck than
Keri Morrell has been spending her free time            by a car, according to a University of Utah study.
sewing, reading and doing projects around the           In the first report of its kind, University researchers
house. She and Claude are looking forward to the        found children are 2.4 times more likely to be struck
annual fish fry at the Morrell Camp.                    by a van and 53 percent more likely to be hit by a
                                                        truck than by a car. The study, conducted by the U's
Ruth Phillips just arrived back from her trip to        Intermountain Injury Control Center, also found
National Convention in Orlando, where she chaired       children hit by high-profile vehicles, such as trucks,
the Convention Partners Committee. She stayed so        SUVs or minivans, are more likely to require
busy that she didn’t have much time to visit with       hospitalization, surgery, and treatment in an
Mickey and Minnie in the “Happiest Place on             intensive care unit than children backed over by
Earth”.                                                 cars.

Kylene Moak has completed her first CPSR class          Previous reports have suggested high-profile
and is awaiting the test results. In the meantime,      vehicles produce a large blind spot behind them, but
she was awarded a CISR Online Scholarship at            no studies in the United States have attempted to
National Convention and looks forward to taking         document the rate of injury by type of vehicle. The
another CISR course and getting those “initials”        findings of this study will appear in the June 2006
behind her name one day soon!                           issue of Pediatric Emergency Care.

Mary Stogner and her husband Tim, went to Florida       The research also found Utah children are more
over the Memorial Day holiday to spend some time        likely to be backed over in residential driveways
with their grandchildren. They had a wonderful          than children in other states. According to N. Clay
time. Now she is looking forward to going to            Mann, Ph.D., the study's lead investigator and
Hawaii for a mission trip with a group from her         director of research at the Intermountain Injury
church at the end of June.                              Control Research Center, the risk of injury may be
                                                        increased because Utah has the highest number of
Virginia Zeigler is planning a trip to Gulf Shores to   persons per household and the youngest population
spend time with her family and grandchildren in         of all 50 states, with nearly 33 percent of residents
June. She is looking forward to the “family time”       under the age of 18. "The popularity of 'family-type'
together.                                               SUVs, minivans and pickup trucks continues to
                                                        increase in Utah, with one registered family-type
Bea and Norman Jones won’t be able to attend the        vehicle for every 10 licensed drivers," he said.
annual fish fry this year, because they will be at      The research shows the importance of educating
Lake Concordia on their annual vacation and             parents and young children about dangers in the
fishing trip. While we will miss both of them very      driveway and about establishing rules for safe play.
much, we hope they have a wonderful time on their       Rear cameras and sensors are available to warn a
vacation!                                               driver that a child or other obstacle is behind a
                                                        vehicle. "But there is no substitute for walking
Don’t forget to mark August 26th down on your           behind (or at least looking behind) your vehicle
calendar as the day for the State Leadership            before getting in and putting the car in reverse,"
Retreat! It should be a great retreat, full of          Mann said.
education, leadership, and networking!
                                                        Source: University of Utah Health Sciences Center
                                                        according to Mitchell. Mitchell added that the
                                                        number of accidents involving motorcycles has had
                                                        a major impact on insurance and medical costs.
                                                        Despite the fact that motorcyclists represent about
                                                        1.7 percent of the assessments paid into the
                                                        Michigan Catastrophic Claims Association
                                                        (MCCA), they accounted for almost 5 percent of all
With hundreds of motorcycle riders outside the          medical reimbursements, he said.
Capitol, the Michigan state House today passed a
controversial repeal of a mandate for riders to wear    As of June 2005, the MCCA paid claims on 503
helmets.                                                motorcycle accidents, totaling more than $210
                                                        million. The average motorcycle claim paid by the
The legislation passed by a 66-37 vote and is           MCCA was over $418,000 last year (up 71 percent
awaiting the signature of Gov. Jennifer Granholm.       from the $297,000 paid in 1994).
Insurance Journal contacted the Governor's office       AAA Michigan also released a statement opposing
and her spokesperson Liz Boyd said that "the            the repeal.
Governor supports the current helmet law and does
not support the repeal." Boyd would not comment         "We are disappointed and saddened that state
further and did not say whether the Governor will,      lawmakers undertook this course of action," said
in fact, veto the bill.                                 Jack Peet, manager of Community Safety Services
                                                        for AAA Michigan. "It makes absolutely no sense
Several previous efforts at overturning the law         to make optional the only validated personal safety
requiring all motorcyclists to wear a helmet have       device available to a motorcycle rider."
failed. The Michigan mandate has been in place for
37 years.                                               The statement said that "AAA will continue to
                                                        oppose legislation that leads to unnecessary deaths
Essentially the bill would allow riders 21 and older    and injuries on our highways at a cost that would be
to go without helmets if they have been licensed to     mostly borne by the citizens of Michigan. A 2005
operate a motorcycle for at least two years or have     AAA survey shows that nearly 90 percent of AAA
taken a safety course. An additional requirement        Michigan members oppose a repeal of the state's
would mandate that riders carry at least $10,000 in     mandatory motorcycle helmet law."
personal injury protection insurance.
                                                        According to the U.S. General Accounting Office, a
Those supporting the legislation such as ABATE          surviving patient with a critical head injury incurs
say motorcyclists should have the freedom to ride       an average of $171,000 in medical and
without a helmet. At least 30 other states, including   convalescence costs in just the first year following
some in the Midwest, give adults the option to not      the injury. The financial burden placed on both the
wear a helmet. Organizations that oppose the            state and taxpayers for this so-called "freedom of
legislation see the issue from a different              choice" issue falls on most Michigan No-Fault
perspective, saying not wearing helmets lead to         insurance carriers. Unlike automobile drivers,
more deaths and injuries, which will lead to higher     motorcyclists do not pay for No-Fault insurance.
medical bills and insurance rates.                      The Insurance Institute for Highway Safety's list of
                                                        safety laws by state ranks only Nebraska and
"This is bad legislation--pure and simple, and no       Michigan as "good" regarding its current helmet
amount of political spin and rhetoric is going to       legislation. Eleven other Midwestern states
make this a good legislation. You can't have good       including Illinois, Wisconsin, Indiana and Iowa are
public policy by compromising on human safety."         all ranked 'poor." In 1997, Arkansas and Texas
said Gary Mitchell, vice president of Public Affairs    repealed all-rider helmet laws, the next year
for the Michigan Association of Insurance Agents.       motorcycle operator fatalities increased by 21
Each survivor of a severe head injury requires          percent in Arkansas and 31 percent in Texas.
between $4.1 and $9 million in care over a lifetime,    Kentucky and Louisiana had similar experiences.

				
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