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Young Drivers Crash More Than Older Motorists
Younger drivers are two times as likely to be involved in a traffic accident, compared to motorists aged 55-64. Statistics also indicate that young driver crashes tend to be more deadly.
About 14 percent of drivers under age 24 are involved in a traffic accident each year. By comparison, only 6 percent of 55 to 64 year olds are involved in a roadway crash annually.
Also 16 to 24 year old drivers have a greater involvement in fatal accidents than most other age groups.
A younger person who is the principal driver of a motor vehicle typically pays 40 to 200 percent more for auto insurance than older drivers. This surcharge is reduced as the driver grows older and is generally discontinued by insurance companies at or before age 25.
Premium surcharges are generally much lower for young drivers who use the family car only on an occasional basis. These typically range from 20 percent for 24 year olds to 80 percent for 16 year old, but vary from one insurance company to another.
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Personal Lines Referral Contest
Homeowners and Automobile
"2 WAYS TO WIN"
1. Send us a referral and we will send you a gift card for Starbucks or Blockbuster
2. Quarterly $50 Gift Card drawing
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Lunch and Learn Seminar on Employment Practices Liability
Presented by: Kotz, Sangster, Wysocki and Berg, P.C.
Mark your Calendars!
We are hosting a lunch and learn seminar on Employment Practices Liability Tuesday February 27, 2007 from noon till 1pm. Please reply to Stacie by February 23, 2007 if you will be attending.
Stacie can be reached at 586-778-9900 Ext: 228 or sstultz@emainsurance.com
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How To Get The Best Insurance Audit
1. Utilize your Payroll System or a spreadsheet to classify each employee who work during the policy period into the correct code.
2. Subtract excluded remuneration: Officers' exemptions, overtime, severance, etc.
3. Balance to payroll records and prepare a summary sheet.
4. Calculate uninsured contractor cost.
5. Secure a copy of certificates of insurance.
6. Give this information to the auditor.
7. Request a copy of the auditor's worksheet when the audit is done.
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Would you like to offer your employees the benefit of personal insurance service?
Eastern Michigan Agencies offers personal insurance for your auto, home, recreational vehicle and much more. We would be more than happy to have a representative from EMA come to YOUR BUSINESS for a lunch seminar for your employees, at no cost to you!
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