Laws to Protect Teen Drivers

Can stiffer driving license laws reduce collisions and keep teens safer on the road?

Over the years states have examine ways to reduce the rates of teen drivers fatality. There have been five rigid elements introduce to law to help reduce this concern. The analysis done by the Institute for Highway Safety (IIHS) and Highway Loss Data Institute found that graduated driver's license (GDL) can reduce collision fatalities by over 9,500 per year.


If the state you live in don't have these laws, this is a practice to implement in your own home to develop good habits.

1. Permit at age 16 - which gives teen drivers more time to mature and ensure supervision while learning to drive. 
2. Minimum License Age of 17 - Studies have shown the older the teen driver the fewer fatal car crash.
3. More Practice - A minimum of at least 65 supervise practice hours. Studies shows that practice makes perfect and the real world experience. Most accidents tend to happen once the teen is licensed.
4. No Teen Passengers - Other teen passengers can be a distraction and contribute to the increase in collision rate. This law was adopted in over 16 states and proven to save lives.
5. Limited Night Driving - No driving after 10 PM. This is key to reducing teen collision and fatal crash rate. 

To find out more about how your state rate with Law to protect teen drivers visit www.iihs.org/gdl.

Does Workers Compensation Insurance apply to your business?

Let's say you’re the owner of a flower shop with four employees located in the great city of Brooklyn. You have done everything you needed to do to protect your business from liability to customers and patron of your storefront. So far, it seems like all bases are covered. However, there is one thing missing that can put your business at great risk.

While you have protected your business from patrons of your establishment, what about your employee? Did you know that many companies regardless of size are greatly impacted by suit due to injuries that happens on the job? Well we have great news Workers Compensation Insurance can protect your employees for on the job injuries.

What Does Workers Compensation Insurance do?

Workers compensation insurance covers the cost of medical care and rehabilitation for workers injured on the job. It also compensates them for lost wages and provides death benefits for their dependents if they are killed in work-related accidents, including terrorist attacks. The workers compensation system is the “exclusive remedy” for on-the-job injuries suffered by employees.

What about off the job injuries?

States like New York and New Jersey requires employers to purchase an additional coverage, which allows employees to be covered for off the job injuries. This coverage can be paid for a minimal premium solely by the employer or with contribution from the employees, and covers up to 60% of wages (max benefit applies). This plan typically covers the 6 months of wages paid prior to any other disability benefit kicking in.
Get more information on State Disability Benefit Insurance.

Read more about the penalties and liabilities for not have State Disability Benefits. Primary

What Does Social Media Mean To The Insurance Industry?

Many people send approximately 4-10 hours a day on social media websites. From updating their status to seeing what's going on in the lives of long lost friends. What does that mean to the insurance industry? A lot! More and more people are finding the services they need on these media. Some of these services includes shopping for shoes, getting deals on flights, but what about insurance? How likely is it that someone would handle business matters, while browsing a social media network? Despite the fact that the industry is tying to appeal to a wider range of audience, how effective is it? How likely it is that someone would click on a insurance ad, rather than an ad for a sale on a designer shoe or wallet? These are the questions we would like to know your response to.

The insurance industry is stepping up their game by advertising on these network to reach the younger generation. The objective is to educate and assist them on the benefits of having a quality life insurance policy, or any other insurance for that matter. We have created several profiles on social media networks to bring the awareness to protect your family and assets while browsing. Life changes in an instant and what might be available to you today, may not be tomorrow so let's make the best of it.