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Author has been writing articles on car insurance quotes for many years. He has written articles about car insurance companies and helping the people to find cheapest car insurance.

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What Are the Current Student Loan Consolidation Rates?

Despite what many people think, student loan consolidation rates are not different than what a graduate is already paying. In fact, the new rate on a consolidation student loan is simply the weighted-average of someone's current loan rates, rounded up to the nearest one-eighth of a percent (.125%).

For example, if three-quarters of your loan is at 8%, and one-quarter is at 6%, the new rate would be calculated as the follows:

8% x .75 = 6.00%

plus

6% x .25 = 1.50%

Total New Rate = 7.50%

Essentially, this is the same overall rate the borrower was paying prior to consolidation across all their loans, but it's now been combined into one loan.

The only major potential drop in rates comes when the borrower has government PLUS loans. Since many of these loans have rates that exceed the maximum student loan consolidation rate of 8.25%, this portion of the weighted-average is capped at 8.25%. Thus, if you have multiple PLUS loans at 8.50%, these could be consolidated into a new loan with a maximum rate of 8.25%.

Keep in mind that Federal student loan consolidation rates only apply to Federal loans such as Stafford, Perkins, and PLUS loans. Private student loans may also be consolidated, but not under the Federal consolidation student loan program. Be sure to talk to your private lender to explore the available student consolidation loans options.

For more information and to apply for Federal student loan consolidation, visit Loan Consolidation and Here.

Lessons Learned in Superstorm Sandy’s Aftermath

by Charles Nguyen , Online Auto Insurance Articles Team 

Category: State 
Friday, June 7, 2013 2:34 pm

Tropical Storm Andrea is speeding up the Eastern Seaboard, forecast to bear down on New Jersey and New York today and stay into the weekend.
But Andrea’s heavy rains will strike a very different New England region than the one that, just over seven months ago, was devastated by what would become the second-costliest hurricane in U.S. history: Superstorm Sandy.
Unprepared, Then in the Dark
“We weren’t prepared for this, you know. Nobody was prepared for it,” Tom Carbone, who runs a Staten Island-based agency, told A.M. Best TV, which released a five-minute retrospective this week on the disaster, what it was like for insurers in its aftermath and its lasting impact on the insurance industry.
“On Staten Island, I think there were a lot of people that didn’t believe this hurricane was going to be as big as it was,” Carbone said.
Sandy’s unexpected intensity for New York and New Jersey residents was likely the result of something that isn’t obvious to the common person: the link between population density and storm damage.
And even as Sandy waned, those left in its wake faced bigger problems of initial cleanup and rebuilding—in the dark.
“When you have a storm of this magnitude hitting some of the most densely populated states in the U.S., it sets into motion all kinds of incredible chain reactions impacting, for instance, not only the power outages, the transportation disruptions but, from an insurance perspective, getting all these adjusters out into the field,” Michael Barry, vice president of media relations for the Insurance Information Institute (III), said in the segment.
Many insurance agencies faced a surge of claims without the common amenities of Internet and electricity. In New Jersey’s Ocean City, William McMahon said his agency dealt with those basic hurdles in stride.
“When the disaster actually hit, you have all this technology, this technology that was advanced so you were able to handle stuff,” he said. “And we went back to the basic: Here’s a piece of paper, put the name on there, and we’d hand it to someone else and they would take the claim.”
Carbone said he worked around the clock to work on claims from residents who lost almost everything they had to Sandy.
“By the grace of God, I guess, I took as much as I can do every day and went home exhausted,” he said.
For claims adjusters, Sandy presented some of the same, simple logistical problems. Michael Rotolo, an executive general adjuster with William Kramer Associates, said that maneuvering storm-damaged areas to get to claim sites was a significant setback.
“I think in some of the other hurricanes, down south in Texas and Florida, it wasn’t quite as hard to navigate the roads,” he said. “Here we had a lot of trees down and it was very hard to get around.”
Saltwater made efforts even more difficult, according to Rotolo.
“We had a lot of equipment that was under saltwater that had to be removed, replaced, repaired and electrical, of course, is the most affected by that,” he said. “It’s just a shortage of manpower, shortage of materials. It was very difficult to get things done.”
The III’s New York City offices were closed as Sandy flooded much of the downtown area. As the storm dissipated on Oct. 31, Loretta Worters, an III spokeswoman, said insurers were still blocked off from many impacted parts of the city.
“There’s a lot of pumping out of water because there are still a lot of electrical safety issues,” she told Online Auto Insurance immediately after the storm. “Once it’s safe enough to go in, insurers will start gathering claims information.”
An Industry Weathers the Storm
The full cost came into fuller view once claims data began rolling in, with Superstorm Sandy ultimately racking up the third-highest amount in insured losses out of natural disasters in U.S. history. The III’s latest estimate puts losses from Sandy-related claims at nearly $20 billion, behind Hurricane Katrina in 2005 and Hurricane Andrew in 1992.
But the industry is proud of its response to Sandy, according to Barry, pointing to New Jersey and New York regulators reporting high rates of claim settlements after the catastrophe.
Sandy cut such a wide swath through the northeastern U.S. that car claims stretched across more than a dozen states from Maryland to Maine. The National Insurance Crime Bureau (NICB) reported in February a total of 250,500 vehicle claims generated by Sandy, with nearly 60 percent of those claims coming from New York. New Jersey car coverage claims made up almost 24 percent of total vehicle claims, and just over 3 percent were Connecticut-based.
Claims work was expedited by several efforts from lawmakers: federal mediators and programs swooped into New Jersey to begin handling claim disputes; regulatory administrators shortened required response times to claims; and New York Gov. Andrew Cuomo authorized out-of-state licensesfor claims adjusters. By the six-month anniversary of Sandy, New York reported that a vast majority of its claims had been closed.
“That’s quite an accomplishment given the magnitude of the event,” Barry told A.M Best.
Insurers are also pitching in their part, with some enforcing forgiveness programs for Sandy-related claims like New Jersey-based Plymouth Rock Assurance, which said that it will not count such claims against a policyholder when re-pricing them for coverage.
“We’ve had the privilege of calling New Jersey our home for over 20 years,” the insurer said in a statement about its program. “We’ve felt Sandy’s devastation firsthand, and we know the last thing New Jersey needs to worry about right now is increased rates because of Sandy-related car insurance claims.”
A relatively calm year of disasters in 2012 helped the industry build capital to weather losses from the storm, with “not so much as a single insurance company [going] out of business as a result of Sandy,” A.M. Best reported.
Industry Faces Forecast of Active Hurricane Season
But that sunny news doesn’t mean smooth sailing ahead for the industry. An “active Atlantic hurricane season” is on the horizon, according to the National Weather Service.
New Jersey and New York residents are already under familiarly wet conditions as Tropical Storm Andrea makes her move through several states.
But other types of disasters are already hitting the industry hard early in the year, with tornadoes in Oklahoma last month reportedly causing hundreds of millions in damage.
Despite that, according to A.M. Best, the insurance industry “seems ready” to handle the predicted active hurricane season.
A briefing from A.M. Best, a firm offering industry news and analysis, showed that catastrophe-related losses from a survey of U.S. insurers in the first quarter of 2013 trailed the same period in 2012 by $1.2 billion.
With the NWS predicting three to six major hurricanes for the rest of the year, that extra billion or so could prove handy.

Top Auto Insurers Laugh It Up with Advertisement Campaigns

by Charles Nguyen , Online Auto Insurance Articles Team 

Category: Companies  
Friday, June 21, 2013 8:00 am

In a case study released two years ago, J.D. Power and Associates explored a question — when did personal auto insurance become a laughing matter? — and found the answer in an arena of quirky oddballs: an apron-adorned, wide-eyed woman named Flo; a tuxedoed man called Mayhem with near-guaranteed misfortunes; and an Australian-accented gecko who can count cavemen as his compatriots.
What’s changed in those two years? Nothing, except that arena’s gotten bigger.
Online Auto Insurance (OAI) takes a snapshot of major insurers in its latest study, breaking down everything from how each insurer’s market share has grown or shrunk to advertising expenditures over recent years.
And don’t forget to come ringside to watch the fight for your auto insurance policy in this OAI infographic.
In this article post, we’ll review what (and who) the industry’s big players are using in their advertising campaigns as car insurers fight over a piece of the $174.5-billion pie (that was the total premium volume in the U.S. last year).
In Safe Hands, Allstate Adds Mayhem
If you want to make the argument that splitting a brand isn’t advisable, don’t take that talk to Allstate, which has long held the second-biggest market share in the American car insurance industry.
Allstate has shown two television campaigns with two very different attitudes.
First, they turned to an actor named Dennis Haysbert, better known as President David Palmer (boss to the Kiefer Sutherland-played super agent Jack Bauer in “24”) and Robert De Niro’s getaway driver in “Heat.”
Haysbert’s low-toned voice fit well with Allstate’s “In Good Hands” segments promising neighborly help in tough situations.
Then Allstate went the other way, relying on the antics from Deans Winters in its “Mayhem” series.
Throughout Winters’s extensive history, the actor has played a range of roles from Tina Fey’s bummy, beeper-selling ex-boyfriend on “30 Rock” to an Irish punk behind prison walls on “Oz.” Allstate took as many liberties as it could with that range, throwing him off of roofs, crowning him leader of the Trojan Army, and making him wear pink stunner shades.
Winters and his characters were offputting. And that was the key to consumers buying insurance to ward off “mayhem” that could strike at any time.
But this major insurer is looking in the rear view at a fast-approaching GEICO, which reports say sold more car insurance premiums than Allstate in the first quarter of 2013. This rare shift in the car insurance landscape can teach Allstate a valuable lesson in advertising: celebrities work a lot, but animals work all the time.
GEICO Lives in Animal House
The craziness of the frat house full of misfits in “Animal House” is an apt description for how GEICO has handled its huge stable of characters that front its ad campaigns.
Let’s start with the GEICO gecko, a longrunning staple with an Australian accent that most of today’s TV watchers can recognize better than Mister T.
Maybe it’s nostalgia with the gecko’s success, but GEICO has stuck to its animals-as-characters motif with Maxwell the Pig, who’s flown on planes, ridden jet skis, and tried to wiggle his way out of tickets. Maxwell has even graced the Super Bowl (aka nirvana for advertisers), partnering with former NFL quarterback Phil Simms for some pre-game entertainment last year.
It’s that cross-promotion that sets GEICO apart from many others in the industry. Whether it’s putting a pig with Phil Simms or using the Pillsbury Doughboy, Eddie Money, and Dikembe Mutombo in ads about happiness, GEICO’s campaigns are as diverse as they are memorable, even if they are a bit nonsensical.
State Farm Catches Sports Craze
But GEICO isn’t the only insurer to catch a cross-promotion craze with the wide world of sports.
The nation’s largest car insurer, State Farm, employed some big names in the sports world for a few ad series, coining the “discount double-check” phrase with Green Bay Packers QB Aaron Rodgers andbirthing a twin for Clippers’ Chris Paul.
Sports again headlined for State Farm in a few single-commercial stints, bringing LeBron James to a lawn for some poppin’ and breakin’ and a Memphis Grizzlies mascot to a burglarize a home.
When State Farm did go outside of the sports world for its ads, it tried to stay funny. The “Magic Jingle” ads played on the insurer’s slogan, and even William Shatner joined in on the funny in his own State Farm ad.
In Campaign, Progressive Trades Flo for Suckers
Flo has been a mother to us all.
The red-lipsticked lady is everywhere, even a spot on Advertising Week’s “Walk of Fame” on Madison Avenue.
She made sure we put more in our piggybank.
She introduced us to Progressive’s Snapshot. When that didn’t work, she tried doing the same with Flobot.
But the woman who was in more than 80 commercials for Progressive is sharing the spotlight for the insurer’s promotion of Snapshot, its flagship usage-based program. So who’s she sharing it with?
Some rate suckers.
Progressive CEO Glenn Renwick said last year that Snapshot would see “exciting” changes in its Snapshot ad campaign this year, and Rate Suckers is certainly a change.
Progressive has relied before on the overly friendly Flo to pitch the Snapshot program, which uses an in-car device to record safe driving habits and reward them with lower premiums. But now, the insurer is turning to “Rate Suckers,” a campaign pitting good drivers (you) against bad drivers (everyone else), with your only possible repellent being the Snapshot program.
A Serious Side for Nationwide
But not all insurance ads are a laughing matter.
Nationwide took Progressive’s advice from Flo and added a woman’s touch to a campaign that debuted during last year’s Summer Olympics: famed pretty woman/stepmom/runaway bride Julia Roberts takes the mic for a smooth-voiced invite to “join the nation.” The soothing heart-warmer of an ad went light on the funny, opting for selling points of community and belonging.
But Nationwide wasn’t done there, tightening its tie for another serious turn in a partnership with acclaimed TV show “Mad Men.” The season-long sponsorship of the series delves into the company’s own decades-long history of slogans that eventually led to the current saying we’ve heard many times over: “Nationwide is on your side.”
Nationwide is also dipping its toe in cross-promotional waters, enlisting policyholder DeMarcus Ware (better known as the Dallas Cowboys’ bearish pass rusher and seven-time Pro Bowler) to front radio, digital, and print ads.
In an edging-on-corny statement from Nationwide, Ware said : “I’ve spent my entire professional career trying to break through protection. Now I’m looking forward to reversing that role by helping Cowboys fans understand how they can better protect the things that matter most to them through Nationwide Insurance.”
A Human Side for Liberty Mutual
Advertisers battled during last year’s Summer Olympics, and so did the ads themselves. That means Julia Roberts went heads-up with Paul Giamatti in the battle of promotional campaigns for insurers.
Unlike Julia, Giamatti (of “Sideways” fame) went a bit funnier in the “Humans” campaign, which highlighted the many mishaps that occur (and that insurance may cover) because of simple human error.
Although air conditioners dropped on cars or ketchup bottles splattered on blouses are slap-worthy offenses, there’s nothing like the reassuring voice of John Adams to sooth the nerves.
Farmers Group Hits its Funny Bone
In a tribute to the complexities of American capitalism, one of the largest insurance groups in the U.S. doesn’t even carry the name that is most common in households. With Farmers and 21st Century under its masthead, Zurich Insurance Group had the fifth-largest premium volume in 2012 and held that spot for years now.
Their weapons? A man we know best as Spider Man’s surly newspaper editor with a Hitler mustache and a real bespectacled man who actually has a mustache.
Both J.K. Simmons and that other guy hit plenty of funny bones with their sketches, the former for Farmers and the latter for 21st Century.
A side note: J.K. Simmons and Dean Winters (Allstate’s Mayhem character) worked together on HBO’s prison drama “Oz,” playing inmates Vern Schillinger and Ryan O’Reily, respectively. Their relationship can be described as a lot of murderous intent — the same can probably be said for insurance ads.

Distracted Driving Risks Continue to Pile Up

by Charles Nguyen , Online Auto Insurance Articles Team 

Category: High Risk
Monday, July 15, 2013 3:30 pm

When we say the risks for distracted driving are piling up, we mean it in a couple different ways.
For one, studies are showing new kinds of riskiness for distracted drivers when they’re behind the wheel. Secondly, authorities are starting to make sure those risky drivers pay for being distracted.
So if you think that you’re a driver that can still be safe when you’re distracted, think again. And rethink it some more if it seems like driving distracted isn’t something that police have caught onto yet.
Risks Still Exist with Voice-Activated Technology
Distracted driving is a relatively new traffic safety concern, and one of the prevailing beliefs in public discussions has been that drivers need to use their hands and eyes properly while driving.
Automakers’ response has been making more in-car technology voice-activated to minimize drivers’ use of their hands and eyes.
But new research highlights the evolving nature of distracting driving: now, drivers simply aren’t using their brains properly. Voice-activated systems cause cognitive distraction, according to a recent study from the AAA Foundation for Traffic Safety, that are just as risky as technology that distracts a driver’s eyes and hands.
“The AAA Foundation challenges the notion that drivers are safe and attentive as long as their eyes are on the road and their hands are on the wheel,” the group said in its report, adding that its study reveals the previously unstudied problem of “mental distractions” while driving.
The study also revealed other alarming findings, including the fact that more than half of surveyed drivers still believe that hands-free technology is acceptable.
Police Try ‘New Tools and Tactics’
New York has been at the forefront of the fight against distracted driving, thanks in large part to a very public call against the traffic danger from Gov. Andrew Cuomo in 2011.
Two summers ago, the governor kicked off an enforcement campaign against texting while driving when the violation was made a primary offense, meaning police can stop any driver they suspect of texting. (Secondary offenses cannot stand on their own and can only be attached to a primary offense.)
By last summer, the governor said the campaign had led to a “major increase in tickets.”
This summer, Gov. Cuomo was at the microphone again to announce new strategies in the continued fight against distracted driving.
New York State Police now use Concealed Identity Traffic Enforcement (CITE) cars, a fleet of unmarked vehicles that are “built on higher platforms,” which help officers spot violators.
Texting while driving is one of the harder distracted driving offenses to enforce because authorities need to visually identify the violation while it is occurring.
“The State Police is now using new tools and tactics to enforce that law,” Governor Cuomo said last week about the hardened law. “I am hopeful that every driver who got a ticket for looking at their phone instead of the road gets the message that this reckless behavior won’t be tolerated.”
There aren’t just worries about civilian distracted drivers on the road. Some of those distracted drivers are in police departments—and something’s being done about it.
Fort Wayne police in Indiana were the first in the U.S. to use technology to bolster officer safety in their own squad cars, according to city officials.
Using a system called Archangel II, keyboard, trackpad, and touch screen functions become inoperable when the car reaches a preset speed. For patrolmen, the system discourages distractions while driving and still allowing emergency calls to come through.
Last week, city officials announced that the technology would be expanded to all cars used by city departments, serving the age-old adage that the best way to lead is by example.
Lawmakers Try New Laws, Penalties
This summer, New York Gov. Cuomo not only announced new details on law enforcement tactics against distracted driving, but also publicized harsher penalties that will charge five points to a driver’s license for distracted driving-related offenses, akin to the number of points charged for speeding recklessly.
Such points come with moving violations make it hard to find cheap prices on car insurance because insurers often deem them a justifiable reason for higher premiums.
More lawmakers across the nation are hardening penalties for distracted driving offenses.
Last week, Connecticut’s governor finalized a bill that required at least one point be charged for a driving violation stemming from cellphone use.
Sponsoring Rep. Fred Camillo (R-Greenwich) called distracted driving “the number one health and safety hazard on our roads and highways.” The bill went into effect this in July.
In Virginia this month, a newly passed law also went into effect that not only upped the fine for texting while driving but also made the violation a primary offense.
Traffic safety officials there estimate that, in 2012, more than 1 out of every 5 traffic crashes were linked to driver distractions.
In addition, Hawaii and Florida both passed bans on texting while driving in May, drawing applause from federal officials. Currently, 41 states and the District of Columbia have laws that bar drivers from texting behind the wheel.
“We are making a difference in the fight against distracted driving through a combination of good laws, tough and consistent enforcement, and extensive public education,” David Strickland, NHTSA administrator, said in a statement about Hawaii’s new law.

Lane-Splitting Motorcyclists: What Are the Rules of the Road?

Lane-Splitting Motorcyclists: What Are the Rules of the Road?

by Charles Nguyen , Online Auto Insurance Articles Team
Category: High Risk 
Tuesday, July 2, 2013 3:45 pm

As the hot sun hangs high here in summertime California, motorcyclists hit the freeways with those revved and chopped sounds that accompany their steel steeds.
It’s when you — the typical motorist — is stuck in gridlock that those revs and chops zip past your window. Now you’re wondering if those motorcyclists have any traffic rules to obey at all.
Trust us, motorcyclists have plenty of rules on the road, even when it comes to lane-splitting (also known as lane-sharing).
What’s lacking, however, is research on the topic. Studies have shown that lane-splitting can contribute to somewhere around five percent of all motorcycle crashes, according to this 2010 report out of Oregon, which added that the finding “should be considered with caution” because lane-splitting wasn’t pegged as the direct cause of those crashes.
With little substantive research on lane-splitting, California (where the practice is condoned by authorities) has been ground zero for the debate.
How It Works in California
A law exists in nearly all states that prohibit motorcyclists from lane-splitting. The wording of this Nebraska law will sum up what most other states have on the books.
But California, which has no laws explicitly prohibiting or allowing the practice, remains an outlier as the only state in the U.S. where lane-splitting motorcyclists face no legal restrictions.
So lane-splitting is a uniquely California thing, along with the motorcycle culture that has lent a distinctive feel to the freeways of the Golden State.
As the LA Times puts it: “Motorcycle lane-splitting is legal in California. Or at least it’s not illegal.”
So with no state law on the books, California’s Office of Traffic Safety (OTS) released guidelines this year that they would like motorcyclists to heed so that lane-splitting can be safe for both motorists and motorcyclists.
“Really, it has been limited anarchy out there,” Sgt. Mark Pope, a CHP coordinator of motorcycle safety,told the San Francisco Chronicle. “Nobody has provided any guidance, so we decided it was time to figure that out.”
First off, here is a definition of lane-splitting from the OTS guidelines: “The process of a motorcyclist riding between lanes of stopped or slower moving traffic or moving between lanes to the front of traffic stopped at a traffic light.”
It’s also known as lane-sharing, filtering, or white-lining.
Part of the OTS’ guidelines is the “four R’s”:
–Be reasonable.
–Be responsible.
–Be respectful.
–Be aware of roadway hazards.
Basically: ride safe and ride smart when you lane-split.
And, believe it or not, the OTS says that other motorists should obey these general rules of the road when it comes to lane-splitting motorcyclists:
–Remember that these motorcyclists aren’t lawbreakers, since lane-splitting “is not illegal in California” as long as it’s “done in a safe and prudent manner.”
–“Intentionally blocking or impeding” lane-splitting in any way that could harm a motorcyclist is illegal.
–Opening a door onto a motorcyclist is also illegal.
–Check your mirrors or blind spots, which can save you the trouble of inadvertently hitting a lane-splitter.
But don’t get too pissy, Mister Motorist. Without those guidelines to protect the Golden State’s much-loved motorcycle culture, some seminal parts of American pop culture might be unrecognizable: Billy and Captain America might’ve opened their “Easy Rider” roadtrip in an entirely different place; “Sons of Anarchy’s” S.A.M.C.R.O. might be riders in Nevada instead of NorCal; and Route 66 might not be the open-road Mecca it is for motorcyclists everywhere.
Nevada Legalization Effort Stalls, Brings Up Questions
Just as California traffic safety officials released guidelines in the hopes of managing lane-splitting safety, lawmakers in nearby Nevada looked to do the same safety management with AB 236.
Lane-splitting, currently illegal by Nevada law, would have been legalized by AB 236 under certain provisos, like not riding faster than 30 mph. As the bill progressed through the legislative process, those provisos got more restrictive.
After overwhelming support in the Nevada Assembly, state senators added an amendment that would have made lane-splitting legal only at 10 mph.
The amendment didn’t stop senators from voting the bill down in May, which still leaves lane-splitters in Nevada on the wrong side of the law.
Consider the Motorcyclist’s Perspective
But the debate over AB 236 highlights the issue in interesting ways.
Lane-splitters might seem inherently dangerous to average drivers, but they likely don’t consider the life of a motorcyclist without the option of lane-splitting:
A motorcyclist could easily end up a fatal statistic when sandwiched between two cars.
Traffic safety officials in Nevada released this presentation during the debate over AB 236, showing that 1 out of every 5 motorcycle crashes in 2011 involved rear-ending. What’s worse is such crashes are “more dangerous,” with 80 percent of them ending in injury or death.
To put it bluntly, Nevada Assemblyman Richard Carrillo (a self-described “rider”) offered this perspectiveas lawmakers debated AB 236:
“Will I have a Chevrolet emblem on my forehead when they decide to squish me between their car and the vehicle that is stopped? Sometimes it is a little unnerving.”
California Proposal Sought Stricter Rules
A legislative effort in California about lane-splitting also stalled this year. But SB 350 would have imposed stricter rules on lane-splitters than Nevada’s AB 236, including whittling the practice of lane-splitting down to legal only when on divided highways with three or more lanes and in traffic jams.
SB 350 was ultimately withdrawn, with its legislative sponsor saying that he would wait on the results of a safety study from the University of California Berkeley to mull reviving his effort.
Helmet Use Also at Forefront of Debate for Motorcyclists
In yet another state, Michigan, the major question over motorcyclists is not about lane-splitting but helmet use instead.
According to an analysis from the Highway Loss Data Institute released in May, injury claims for Medpay, (a type of coverage for motorcyclists’ crash injuries) in Michigan got more severe after the state loosened its rules on helmet use in 2012.
What changed was requiring riders under 21 years old to use helmets, instead of previously requiring all riders to do so.
“Motorcyclists are sustaining more injuries per crash or more serious ones after the law change than before,” HLDI vice president Matt Moore said in a statement.
And, unlike lane-splitting, states across the U.S. have a patchwork of rules when it comes to helmet use. Twenty-eight states have helmet laws that cover segments of the motorcycling population (usually underage riders), 19 require helmet use for all motorcyclists, and three have no helmet requirements at all.
Go Easy, Rider
Back on the topic of lane-splitting, the final word from motorists about whether they’re okay with it or not is (forgive the pun) pretty much split.
An OTS survey released before the new lane-splitting guidelines showed that, a sizable 40 percent of all respondents erroneously thought lane-splitting is illegal.
The survey also revealed a scary stat: 1 out of every 10 lane-splitters had been hit by a vehicle.
A few more scary stats came from the survey’s findings about lane-splitters who reported that they had been hit by cars: 1.5 percent were run over by the car; 3.3 percent were hit by one or more cars; almost 10 percent were knocked down; just over 8 percent had severe injuries; and a little more than 13 percent sustained scrapes and bruises.
So listen to the California OTS and go easy, rider — their guidelines might just keep you safe.
With no laws explicitly prohibiting or allowing the practice, California is the only state in the U.S. where lane-splitting motorcyclists face no legal restrictions.
(Photo courtesy of Nathan Bittinger)

Donate your car for charity

As the saying goes, the road to h-e-double-hockey-sticks is paved with good intentions, and it can be surprisingly easy to fumble this well-meaning act. Before you donate you car, read the following tips to be sure you’re making the right moves.

1. Avoid middlemen. Numerous for-profit intermediary organizations advertise aggressively on TV, billboards and elsewhere, offering to help you donate your vehicle to charity. Here’s the catch: These organizations typically keep about 50 percent to 90 percent of the vehicle’s value for themselves, and the charities don’t get what they could have gotten. To prevent this, check directly with charities you admire and find out whether they accept car or boat donations.

2. Find a worthy charity. If the charities you normally support aren’t equipped to accept such donations, do some homework until you find a reputable charity that is. You can research charities’ track records online at this Better Business Bureau site and through Charity Navigator. 

3. Check the math. If you still feel compelled to use an intermediary organization – possibly because you’re busy – at least ask the organization how much of the car or boat’s value will go to charity. If the organization simply gives charities flat fees — say, $100 for a used vehicle regardless of its value, or $2,000 a month — your donation may not be eligible for a tax deduction.

4. Know the status of your recipient. In order for you to qualify for a deduction, the charity that gets your donation must be an IRS-approved 501(c)(3) organization. Your church, synagogue, mosque or temple likely qualifies. (Check first just to make sure.) You also can visit the Internal Revenue Service’s Web site and search for Publication 78 to find other qualifying non-profit organizations. (Just type “78” into the search field on the IRS home page and you’ll be directed to the right publication.)

5. Do the delivery yourself. Once you’ve identified a worthy charity, recognize that it will have to pay someone to pick up your car or boat for you. To help the charity maximize the benefit of your donation, drop the car or boat off yourself.

6. Transfer the vehicle with care. Want to eliminate all risk of running up parking tickets and other violations after you’ve said goodbye to your donated vehicle? Then formally re-title the vehicle to the charity, and report the transfer to your state’s department of motor vehicles or licensing. Never agree to leave the ownership space on the charity donation papers blank.

7. Your estimate of the donation’s value probably won’t cut it. If your car or boat is worth more than $500, the IRS is going to want to see evidence of how much the charity got for it. (Most charities that accept these donations turn around and sell them for cash.) You’ll need to get a receipt from the charity revealing exactly how much money it made.

8. Know when you can report the fair market value. You won’t need evidence of the sales price if the charity keeps the vehicle or vessel and uses it in its charitable work, or if your donation is worth less than $500. Then you can report its fair market value based on listings from Kelley Blue Book and similar sources.

9. Keep a thorough paper trail. If your donation is worth more than $500, you’ll have to attach IRS Form 8283 to your tax return. If it’s worth more than $5,000, your documentation must include an outside appraisal. You’ll also need proof of the donation, such as a receipt from the charity and a copy of the title change.

10. Be detail-oriented. This paper trail may seem cumbersome, but think about it: This may be one of the biggest charitable donations you ever make. By taking the time to dot the i’s, you can make sure that the charity gets the most benefit and you get the biggest possible deduction.

Source: Here