Car Dealer Insurance

Distracted Driving and the Cheapest Car Insurance in CT

Distracted drivers remain one of the top reasons why there are so many traffic accidents on the roads today. Because of their obsession with cell phones, particularly texting and playing games, many young motorists take their eyes off of the road and this can be a fatal mistake. Cell phone use while behind the wheel has become a major concern for law enforcement in recent years.

Hopefully no one is killed due to this type of dangerous activity, but accidents still result in a lot of damage and expense and that’s why it’s suggested that you, whenever possible, look for the cheapest car insurance in ct that will still give you coverage in the proper amounts that meet the standards of the state.

Younger drivers often don’t consider the risks

The concern is greatest among younger drivers due in part to their inexperience. While cell phones are often the culprits, teen drivers can be distracted by any number of things. For example, a car full of kids screaming or horsing around can lead to an accident, as can merely eating, or looking at the GPS for direction. Whatever the reason, kids need to be reminded that the danger of being involved in a serious accident is not worth the risk of not giving the responsibility of driving a vehicle on highways and city streets the proper attention it deserves.

Adults can be equally responsible for their lack of good judgment

Young drivers are not the only ones found at fault for accidents due to distracted driving. Adults and the elderly are often at fault for crashes that are caused by driver inattention.

Many adults feel it’s okay to dial a cell phone while driving because they think they are quite adept at multitasking, but doing so can increase the risk of a crash many times over.

Even scrolling through the menus of an iPod looking for a particular song forces a person to take their eyes off of the road, and at that precise moment some event could take place, a changing light or a car merging into their lane, leaving them with little time to react to the situation. Often people engaged in cell phone conversations miss traffic signals when talking on a phone, or take longer to react to signals when they do notice.

Regardless of what causes the many accidents occurring every day, it makes good sense to invest in the cheapest car insurance in ct to help pay the cost of damages associated with traffic collisions.

Auto Dealer Insurance and Workers Comp Issues

Employers of car dealerships need to continually alert their staff about safety concerns while working. They need to constantly be proactive when it comes to providing a safe workplace for their employees. Auto dealer insurance, in the form of workers comp coverage, will aid in the physical and financial recovery of those employees who may experience injuries while at work, but having safety procedures in place can help prevent injuries from occurring in the first place.

 

Helpful ways to improve dealership safety

 

Owners and supervisors must be aware of hazards that exist, as well as inform workers of known dangers and put measures in place to inform about (as well as correct) those issues and areas of concern. The following are examples of common practices that owners can implement in order to improve job site safety:

 

  • Provide a safe and healthy workplace

 

  • Ensure that workers are adequately trained

 

  • Keep written records of training

 

  • Establish and maintain a comprehensive occupational health and safety program

 

  • Include a written health and safety policy and an incident investigation procedure

 

  • Support safety coordinators and workers on their health and safety activities

 

  • Take immediate action after a report of a potentially hazardous situation, and

 

  • Initiate an immediate investigation into incidents

 

In addition, they need to report serious incidents to the proper authorities and provide adequate first aid facilities and services, along with providing personal protective equipment where required.

 

One thing that can greatly improve existing conditions is having regular worker safety meetings. New employee training should occur as soon as possible, and before any actual work duties are issued. The supervisor on duty should ensure this training takes place.

 

Supervisors should instruct workers in safe work procedures at all times, and check that their work is being done safely. They should also ensure that only authorized, adequately trained workers operate tools and equipment or use hazardous chemicals, and that equipment and materials are properly handled, stored, and maintained.

 

By enforcing health and safety requirements, correcting unsafe acts and conditions, and identifying workers with problems that could affect safety at the work site, supervisors are helping maintain a safe work environment, and reducing costs for auto dealer workers comp claims. However, the employer has the legal responsibility to ensure that every worker receives auto dealer insurance for workers compensation, especially for those times when claims arise.

 

photo credit: Century 21 Champ Realty -Bill Stevenson cc

The Importance of Car Dealer Insurance

Car dealers face a number of risks every time they go to work, but also when the shop is closed up. Fortunately, you can offer your car dealer clients the insurance coverage that they need in order to stay financially covered, no matter what time of day it is. The following are a few reasons why your clients need car dealer insurance:

 

  • Employee Coverage – Most car dealers have multiple employees. With so many employees to keep track of and so many risks that are associated with the auto industry, it is important for you to provide proper protection to your clients’ employees so that they have compensation when it is needed.
  • Theft and Vandalism – Unfortunately, too many people think it’s funny to target big walls and shiny cars, both of which are often at car dealerships. With proper insurance coverage, your clients will have the funds they need to clean up the mess and make any necessary replacements or improvements.
  • General Liability – There are so many other accidents and incidents that could take place at a car dealership. General liability will cover a lot of those bases.

 

Whether your clients are looking for the most comprehensive coverage or the most affordable, car dealer insurance is an option that no dealer should pass up. Because it offers so many options and is such a versatile type of coverage, it is essential at any car dealership.

photo credit: aldenjewell cc