Conduct fourth July can trigger Fireworks with your auto insurance

Linda Melone
Before drive you to your favorite fireworks display this year, take account of your own holiday home accommodation. Take the road after a fourth of July rally is more dangerous than the return of a part of the new year's Eve, according to the Insurance Institute for Highway Safety.
"July 4 is generally the worst day of death of crash (car), said Russ Rader, a spokesman for the Institute of road safety." The combination of the exhibition - much to drive this day--as well as the festive atmosphere that accompanies a fourth July may be factors, Rader, said.
According to the Institute of road safety, 721 traffic deaths U.S. occurred between 2005 and 2009, July 4, compared to 654 deaths for January 1 during the same period. That operates 144 deaths per day for a fourth July and 130 per day for the new year day.
The Fourth of July is generally the worst day of death of the movement, according to the Insurance Institute for Highway Safety.
You booze, you lose.
In addition, a fourth July tracks only 8 percentage points behind the day of the year for the highest levels of alcohol-related deaths in car accidents. Fifty per cent of the car accident death the day of the new year and 42% a fourth July contain at least a driver with a blood alcohol concentration of 0.08 or more, compared to 32 percent on a typical day, Rader said.
All 50 States and the District of Columbia to consider a crime of driving with a blood alcohol of 0.08 or more.
In fact, no amount of alcohol can be safe.
A study published in the June 20, 2011, the problem of drug abuse showed that drivers who tested positive, way below the legal limit for blood alcohol content were more likely to be involved in car accidents than sober drivers.
Even with a slight buzz, drivers led much faster and were less likely to be properly using a seat belt, the study shows. Drinking more pilot, soon he was likely to be more serious and driving, the car accident was likely to be.
Severe penalties
An alcohol related auto insurance claim is much more complicated than the accident average because it involves a criminal element. A DUI affects your auto insurance and your driving privileges may be revoked, said Jeff Baker, an insurance agent State Farm in Huntington Beach, California.
"If you are the driver of the car in an accident related to alcohol, your policy may be cancelled immediately, as your license is automatically suspended by the Court," explains Baker. "No license, no insurance.".
A drunk driving accident involving injuries is worse. "If there is injury, will charge you with a crime," said Baker. Also, if the injuries are severe and exceed the limits of liability on your primary policy, you could face financial difficulties. The victim may take half of your salary for 10 years, then go to court and half for the next ten years, Baker said.
DUI laws vary from one State to another. For the laws of your State, visit the Insurance Institute for Highway Safety website.
Insurance for a long time clients are probably a little better after a DUI. "If you've been with a company for at least three years, your carrier may decide to maintain your coverage," said Baker. Again, your premiums will be arrow of 300 to 400% for the first year after a DUI and gradually decrease for the next seven to 10 years.
If you are convicted of a crime or offence DUI, you must provide proof of insurance (a deposit of financial responsibility) to the Department of the State of your motor vehicle to reinstate your license, said Baker. One of these deposits, known as an SR-22 or PT-44, typically costs $ 20 to $ 200.
If you are abandoned by your insurance company, you will need to purchase a policy with a "lower" carrier that provides drivers with high risk and offer the minimum coverage of the liability, Baker said. Just two States, Iowa and New Hampshire, did not require that pilots carry minimum liability car insurance.
Fourth of July safety tips
You can avoid becoming a statistic of the traffic in keeping driving tips in mind safety this fourth of July:
? Participation in fireworks displays and parties Fourth of July, remember to obey all traffic detours, closures of roads and traffic lights.
? Avoid cutting across parking lots, where about a fifth of car accidents happens.
? Saving a parking area, pay close attention to avoid hitting a pedestrian or another car.
? When driving neighbourhoods, stay vigilant for children who can enter the path of the watch or participate in Fireworks.
? Assign a driver designated for your Fourth of July parade, or as a volunteer.
Rader offers this standard callback: "Buckle up, not drink and drive and not speed."

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