Auto Insurance Explained in Simple Terms

Auto insurance, is insurance that you purchase for your cars, trucks, motorcycles and boats etc. It provides you with protection from losses that may incur as a result of a car accident. While this may sound simple enough to understand there are many types of auto insurance policies available to you and it can be rather confusing. Your coverage level and types will vary depending on the policy that you choose.

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Wheeler Accidents

With today's high-pressure economy, where everything needs to be instant, truck drivers are put under enormous amounts of pressure, oftentimes in an attempt to save time and meet quotas. You see, to these big trucking companies, time is money. And sometimes money can be worth breaking a few rules.

And a few broken rules may damage or take a few lives. According to the National Center for Statistics and Analysis, thousands of motorist are killed each year by large trucks -- those weighing more than 10,000 pounds. 18-wheelers, semi-trucks, tractor-trailers and semis fall into this category. In 2003 alone, large trucks accounted for 8 percent of all vehicles involved in fatal crashes and 4 percent of all vehicles involved in injury and property-damage-only crashes.

Some of the most common causes of trucking accidents are: * Tire Failure * Speeding * Sleepy drivers * Fatigue caused by strenuous schedules imposed by trucking companies * Brake failure, brake over-heating * Faulty mechanical components. * Poor safety and road-worthiness tests performed on the trucks. New regulations require that truckers drive no more than 18 hours a day and require time in the sleeping compartment be logged. Of course this doesn't mean that they always follow these laws. Drivers are often asked to work beyond these hours, and silently told.

or out-right told through the companies' stipulation of speed and quick transport: "This load needs to be there by 'X' day, or there will be consequences." Other than driver error, often it is the actual rig that malfunctions or fails causing 18 wheeler accidents. Some examples of potential failures are brake failure or malfunction, faulty mechanical components and disproportioned loads. All of these things make these 80,000 Lb. vehicles a potential danger on our roadways, when there are not proper measures taken to ensure no failures are in the immediate future.

Also there needs to be more monitoring by the company and new policies that may decrease the companies' profit a bit, but allow drivers to drive safer, by being well-rested and in perfectly maintained, perfectly manufactured trucks. There are a lot of reasons why investigation is performed when it comes to accidents. Every accident has a cause, and every cause of an accident carries a liability, especially when there is major property damage, or even major injuries from an accident. Transmission's that fail need to be tested and examined by professionals to see if there was any flaw in the design. Same with engine manufacturers. In case of finding such a flaw, there me be pursuits of litigation under lemon laws and other liabilities upon the faulty party.

Often an investigator may say a tire was to blame, and while as often as it is the case it is not. Tires get blown in collisions. In major accidents, especially ones resulting in fatality, a forensic investigator may be brought in to examine the wreckage, to determine these failures, and to help in the pursuit of mechanical liability should there be any. All of these things make these 18 wheelers a potential danger on our roadways. However, they can be avoided in many cases, if the trucking companies would enforce proper methods and procedures for safe trucking.

This may slightly impact the bottom line of the trucking companies, but in the long run would save many lives. And after all, who can put a value on life!.

Laurie Williams is an Internet Marketer specializing in the professional services industry. For articles and information, visit the 18 wheeler accident site to find lawyers representing 18 wheeler cases.

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