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Child Safety Seats Safety Seats For Kids: If you have children it's important to make sure they are secured properly when you drive with them. They are almost always safer when riding in the back, in a car seat that is appropriate to their age and weight. Using a car seat correctly can prevent injuries, but wrong usage is very common. Even a small mistake in how the seat is used can cause serious injury in a crash.   Tips to Ensure You Are Using a Child Car Seat Correctly   Never put an infant in the front seat of a vehicle with a passenger air bag. Route harness straps in lower slots at or below shoulder level. Keep harness straps snug and fasten the clip at armpit level. Make sure the straps lie flat and are not twisted. Dress your baby in clothes that allow the straps to go between the legs. Adjust the straps to allow for the thickness of your child’s clothes. Do not use bulky clothes that could increase slack in a crash. To keep your newborn from slouch...

Avoiding Deer-Car Collisions The explosion in the deer population has lead to a continuing increase in deer-car collisions. This trend will only increase as the deer population grows and urban habitats continue to encroach upon rural environments. According to the National Safety Council, there were 530,000 animal-related accidents in 2003 and these collisions resulted in 100 deaths and 10,000 injuries. The average cost per insurance claim for collision damage is $2,800, with costs varying depending on the type of vehicle and severity of damage. When you factor in auto claims involving bodily injury, the average rises to $10,000.  Defensive driving tips to avoid hitting a deer:  Be especially attentive from sunset to midnight and during the hours shortly before and after sunrise. These are the highest risk times for deer-vehicle collisions. Drive with caution when moving through deer-crossing zones, in areas known to have a large deer population and in areas wh...

Shopping for a Safe Car What To Check While Buying New Car: Walmart Brings One-Stop Shopping to Car Insurance If you are like most people shopping for a new car, safety ranks high among things you're looking for. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required federal minimums. The following safety features should be considered when purchasing a car: NEW YORK -- Walmart ( WMT ) is bringing one-stop shopping to another area: auto insurance. The world's largest retailer has teamed up with AutoInsurance.com  to let shoppers quickly find and buy insurance policies online in real time to cut down costs. The service is available immediately in eight states -- Arkansas, Louisiana, Mississippi, Missouri, Oklahoma, Pennsylvania, Tennessee and Texas. It will be avail...

Safety Tips for Teen Drivers Ways to Save When Your Teen Starts Driving: We hit a milestone in my house this year. My oldest child turned 16 and, in theory, can get behind the wheel of a car and start driving solo. I'm not sure I'm ready for that and, fortunately, she's not either, so she still has her learner's permit. However, I've been searching high and low for ways to keep my auto insurance rates reasonable once she joins the ranks of independent drivers. Here are  tips  picked up along the way: The first years teenagers spend as drivers are very risky. Motor vehicle crashes are the leading cause of death among 15- to 20-year-olds and research shows that more than half of teens who die in crashes are passengers, most of whom are not wearing a seatbelt.   Immaturity and lack of driving experience are the two main factors leading to the high crash rates among teens. Even the best teenage drivers do not have the judgment that comes from expe...

Distracted Driving Safety Tips to Reduce Distractions on the Road: Have you ever texted, spoken on the phone, changed radio stations, or even turned around to talk to passengers while driving? If so, you may be exposing yourself, your passengers, and anybody else on the road to harm. Driver distractions such as these accounted for 10 percent of all fatal crashes, 18 percent of injury crashes and 16 percent of all motor vehicle crashes in 2012, according to the National Highway Traffic Safety Administration (NHTSA). And of these hazards, cellphones and text messaging were the most common cause of accidents. However, other common habits, such as using a vehicle navigation system, eating and drinking, reading a map, grooming yourself, or even having a phone conversation using a hands-free device can be hazardous, too.   Employers May Be Held Liable Not only is distracted driving dangerous for individuals, but there is a growing concern among business owners and managers...

At the Scene of an Accident Know Your Role If You Get Involved In A Car Accident: No one wants to get into a car crash. But knowing what to do if you are involved in an accident can save lives, reduce injuries and make the claims process simpler and easier. Be Prepared Keep your registration and auto insurance papers, as well as any relevant medical information for you and your family, in the car. Make sure you have the  right amount of auto coverage  to fit your needs. Immediately After an Accident Assess the Damage . If possible, pull the vehicle to the side of the road to a safe place to see if anyone is injured, and the extent of the damage to the vehicle. Call the police or highway patrol,   if you are in a serious accident .  Let law enforcement know if anyone is hurt and the extent of injuries. The police will notify the nearest medical unit. If the police can't come to the scene of your car accident, you can head to the nearest police de...

Air Bag Safety & Benefits  Air bags save thousands of lives each year, according to  The National Highway Traffic Safety Administration  (NHTSA). In frontal crashes, air bags reduce deaths among drivers by about 30 percent and among passengers by 27 percent. Air bags, however, can be dangerous. If small children sit unbelted in the front seat, they can be catapulted into the path of a deploying air bag, which inflates with great force. This risk also applies to small adults—who must sit close to the steering wheel in order to reach the pedals—pregnant women and the elderly. Infants in rear-facing safety seats on the passenger side can be severely injured because their heads are in the direct path of an inflating air bag. If your airbag is stolen or it deploys, you must get a new one, but you will be reimbursed under the comprehensive portion of your auto insurance policy.  Preventing air bag injuries Drivers should have all children sit in the backse...