Mumbai Police asks for stiffer fine for drunk driving

Mumbai Police asks for stiffer fine for drunk driving

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... and then they crashed.

A study of car accidents by the Virginia Tech Transportation Institute put cameras in cars to see what happens right before an accident. They found that in 80% of crashes the driver was distracted during the three seconds preceding the incident. In other words, they lost focus — dialed their cell phones, changed the station on the radio, took a bite of a sandwich, maybe checked a text — and didn't notice that something changed in the world around them. Then they crashed.

The world is changing fast and if we don't stay focused on the road ahead, resisting the distractions that, while tempting, are, well, distracting, then we increase the chances of a crash.

Personal Accident Insurance

What is Personal Accident Insurance?
Personal Accident Insurance protects the insured against accidental death and any form of disablement.

Why should one opt for Personal Accident Insurance?
Take any statistic on accidents (motor vehicle related or otherwise) in the country. With every passing year, all indicators are alarming and consistently in the red. Personal Accident Insurance provides adequate cover against any such accident.

One may argue that he/ she has sufficient insurance cover already. But keep in mind that life insurance covers only risk associated with death. If the insured dies, his/ her dependents will be provided with the sum assured (sum assured from both life insurance as well as personal accident insurance). But what if an accident leaves someone disabled, either partially or totally? Personal Accident Insurance becomes even more relevant in such a situation - it covers the risk associated with partial and total disablement in case of an accident.

What about the costs?
The premiums associated with Personal Accident Insurance is very low, usually even lower than that for pure term insurance. For e.g: Safe Guard, a policy promoted jointly by Axis Bank and Bajaj Alliance  offers accident insurance coverage of Rs.10 lakhs at an annual premium of Rs.990.

To put this in perspective, for a coverage of 10 lakhs, the corresponding premiums for other major insurance covers are given below:

• Term Insurance (for 35 year old male) - Rs.4330
• Motor Insurance (for 2008 model Honda Civic) - Rs.18,800
• Personal Accident Insurance - Rs.990 

Conclusion

To conclude, Personal Accident Insurance is a must have in anyone's insurance portfolio. It should not be considered as a substitute for basic life insurance, but it need to augment one's overall insurance requirement. For the applicable premium and the associated benefits, Personal Accident Insurance is well worth the money and is definitely a value buy!

NB: Personal Accident Insurance does not come under tax exemption categories.

No texting while driving ...a powerful film

A very powerful short film but indeed is also real life. Click here è http://news.bbc.co.uk/2/hi/uk_news/wales/8203091.stm

Don't use GSM while driving (Texting, Calling, etc...). You can still make that call or send that text later. Use your mobile only when you reach your destination (It will make a big difference).

Pass this on to your friends.

Walking

Walking & Talking A Bad Combo - HotHardware

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Drink and Drive - The Facts

If you drive at twice the legal alcohol limit you are at least 30 times more likely to cause a road crash, than a driver who hasn't been drinking. 30 times !

Any amount of alcohol affects your ability to drive. There is no foolproof way of drinking and staying under the limit, or of knowing how much an individual person can drink and still drive safely.

Each person's tolerance to alcohol depends on a range of factors including:

* weight
* gender
* age
* metabolism
* current stress levels
* whether they have eaten recently
* amount of alcohol

So the only safe option is not to drink alcohol if you plan to drive, and never offer an alcoholic drink to someone else who is intending to drive. The strategy for drink driving is to remind all drivers of the personal consequences of drink driving, and that a drink driving conviction can ruin your life.

Focus on the 'moment of doubt' around the second pint/drink, when drivers are considering whether or not to have another drink. And STOP.

Simple questions..

Simple questions..but difficult answers!!

1. Why don't Jeeps/ auto-rickshaws have seat belts? (With open doors and soft tops, aren't they twice as prone to danger as a car?)
2. Why is a helmet necessary only for a two-wheeler driver? (a driver can anticipate a potential fall/ accident, but what about the pillion rider, who will be caught totally unaware?)
3. Why are road rules not applicable for any vehicle with a "State"/ "MLA"/ "Government" tag? (Aren't these "public servants" meant to be role models for the rest of the society?)
4. Why do we build bus bays, when none of the public transport buses stop there? (Instead we seem to have bus-stops based on convenience, right around crowded junctions!)
5. Why is a two wheeler, husband on front and wife on pillion, draped in a 5m saree, holding a toddler in one hand, the other hand on husband's shoulder and seated at right angles to vehicle movement, considered "normal" on our roads?
6. A nursery school teacher need to have some minimum qualifications. How about one for vehicle driving instructors?
7. Why don't public transport vehicles undergo pollution control tests or display fitness certificates?
8. If speeding tipper lorries are branded killer lorries (and rightly so), what would you call a JCB with its dangling scoop (a scary toothed one that is), speeding on top of its capacity, with two overhead lights on, on a badly lit busy road, in the dark?
9. If three people on a two-wheeler is violation on road rules, what about 100 people packed in a public transport bus? (wonder what is the safety limit prescribed by the bus manufacturer)
10. If a 10 year old can be taught Java in school, why not include a subject on Road Safety before the kid starts college?