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Repeal Utah Car Insurance Law document sample
Repeal Utah Car Insurance Law document sample
__________________________________________________________________________________________ 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 email@example.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 firstname.lastname@example.org 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 email@example.com 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! firstname.lastname@example.org Board of Directors Bea Jones, ACSR, CISR, CPIW P.O. Box 635 Meadville, MS 39653 601-384-2308 W email@example.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 firstname.lastname@example.org 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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