Automobile Insurance: Road Safety, New Drivers, Risks, Insurance Fraud and Regulation (Huebner International Series on Risk, Insurance and Economic Se

The assessment of driving risks is a common concern for road transportation safety and the automobile insurance industry. In both cases, there is an awareness of the great losses resulting from the deaths, injuries and property damage caused by traffic accidents. Research is essential to counteract this public health threat, to assess the success or failure of countermeasures, and to solve the problems it generates in the insurance industry.

Motor vehicle accidents are still a leading cause of death, even if the trend has somewhat declined over the past 20 years. Indeed, motor vehicle accidents are a significant cause of death in comparison with air and space transport accidents, homicides and even HIV infections, causes which are more often highlighted in the media. As shown in this book, motor vehicle accidents are particularly damaging to very young drivers.

This book is for people concerned about road crashes (prevention and compensation) and about the insurance problems they pose - namely private and public institutional authorities, consultants, administrators, practitioners, and researchers interested in sharing the authors' experience in this domain. The book presents original contributions related to motor vehicle insurance and road safety. All papers have been evaluated by external referees. Four subjects are covered: 1) Automobile Insurance Pricing, Risks and Asymmetric Information; 2) Insurance Fraud; 3) Young Drivers: Licensing Policies, Evaluation and Risks; and 4) Road Insurance Regulation.

Cheap Insurance for Your Home, Automobile, Health, & Life: How to Save Thousands While Getting Good Coverage

By several measures, insurance for you, your family, your home, and your car continues to rise at the fastest rate in our history. In 2005 (the latest year data are available), total national health expenditures rose 7.9 percent - more than three times the rate of inflation. Nearly 50 million Americans are uninsured for healthcare. According to Insurance Information Institute projections, the average annual expenditure for auto insurance in 2006 was $851. Millions of drivers have no auto insurance. The average expenditure for homeowners insurance was $729, according to a February 2007 report by the National Association of Insurance Commissioners (NAIC).

Insurance takes a huge bite out of the average American's monthly budget, and as stated above, many Americans simply forgo insurance because they consider it out of reach. Shopping for insurance requires more effort than many people want to devote to it. They simply grab the first price they come across or accept routine rate increases when it is important to compare not only the price but also coverage and exclusions among carriers. In this easy to read and comprehensive new book you will learn hundreds of ways to secure and or reduce your health, automobile, life, and home insurance costs. If you do not have or cannot afford insurance, we will show you how to get it at a price you can afford. The Internet and technology have opened up a great new way to search for low cost insurance services; we will give you the Web sites, tell you what to look for and to look out for. There is a great deal you can do right now to cut insurance costs. For example, did you know that installing a theft tracking device in your car can save you up to 35% on your auto insurance and that your credit history can dramatically affect your auto insurance premium. Recent studies have shown that more than 90% of insurers use credit information to create an "insurance risk score," which they then use as a factor to determine your insurance rate. Add a simple home security system to monitor your home, and your insurance rates may be discounted up to 30%, depending upon where you live. Your insurance could end up costing you more if you choose to make monthly payments rather than pay the entire premium annually. Notify your agent if you retire, your children go to school, or you start working from home (when you're not traveling as much your rates will go down). Have you stopped smoking? Lost weight? Started exercising? All of these efforts can have a dramatic effect on your insurance rates. Insurance topics covered in this book are How Insurance Works, Insurance Company Rating, National and Local Firms, Auto, Health, and Disability Insurance, along with work sheets and forms to assist you in your search for the best coverage at the lowest price.

Auto Repair For Dummies

Most of us don’t know the first thing about the machines we’re licensed to drive – and this can turn a ticket to freedom into a ticket to trouble. If you’re like most people, you probably tend to drive around until something goes wrong with the car. You then incur the expense of replacing worn and burnt-out parts (or the entire engine) when low-cost, regular maintenance could have kept your wheels turning for a long time.

Auto Repair For Dummies is indispensable for anyone who is tired of nodding and smiling at the incomprehensible mutterings of your mechanic, only to end up shelling out money for repairs that you neither fully understand nor always need. This easy-to-understand guide is also for you if you

* Don't have the vaguest idea of how a car works.
* Can't identify anything you see under the hood of your vehicle.
* Are tired of other people assuming (especially if you’re a teenager or a woman) that you aren’t capable of handling repairs yourself.
* Don't want to feel helpless in an emergency.
* Are tired of being ripped off because of your own ignorance.

This book shows you how your car works; what it needs in the way of tender loving care; and how to keep from being overcharged if you need to entrust repairs to someone else. Auto Repair For Dummies also gives you the scoop on these topics and more:

* What makes your vehicle go (and how and why)
* A program of "preventive medicine" to avoid trouble
* Shopping for tools and knowing how to use them
* Diesel engines and alternatively powered cars
* How to keep your car looking its best
* Dealing with on-road emergencies
* Checking your tires, alignment, and steering

By handling the simple maintenance and tune-ups and being able to diagnose trouble and perform the less complex repairs yourself, you’ll save some serious money. Once you break the ice (or crack open the hood), the heady sense of power will carry you through basic car repair and maintenance with confidence and ease.

Auto Accident Personal Injury Insurance Claim: How to Evaluate and Settle Your Loss

Eight out of ten Americans will have an accident in the next seven years. Baldyga delivers over three decades of personal injury, insurance claim experience in this easy-to-read book. Learn how to settle your "pain and suffering" for top dollar.

From the Publisher
This book covers every strategy, from the initial telephone calls to the medical examination and then finally the actual settlement, one should employ to obtain the best possible settlement of their claim. But the most important part of this revolutionary book is the introduction of The BASE Formula, The Baldyga Auto Accident Settlement Evaluation Formula. BASE is a never before known settlement tool that Baldyga has created. Experts are calling BASE "spectacular" and "amazing" because it explains, in simple, easy to understand language, exactly, right down to the last hundred dollar bill, how much ones "pain and suffering" is worth.

Review : By Russell Longcore "www.insurance-claim-secrets..
Dan Baldyga has written a book that shines a bright light on the shadowy world of personal injury auto claims. The insurance companies are the ones that keep policyholders and claimants in the dark. They try their best to control the claims process. For the most part, they succeed...UNLESS a person buys books like this one. This book is somewhat wordy, but thorough, and that thoroughness is what you need. Great job, Dan!