Egogo Waffles : Is it true that higher speed limits would reduce the crashes and thus a person speeding should not be considered a hgih risk driver. Do all drivers need SR22 car insurance.

Response : Eggogo, please refer to the reasons why and when you need SR22 car insurance as per my previous blog post.

I am suprised with your first statement. I have been in the insurance world since more than 2 decades and speeding has always been considered a high risk or high risk driver. They are called aggressive drivers.
No. I am giving you what I have read on the highway traffic insurance website. Advocates of higher speed limits have claimed that research on speed variation indicates faster speeds are not hazardous. They cite David Solomon’s research from the mid-1950s that seems to show an increase in crash likelihood among drivers traveling slower than the average speed and a minimum of crashes at 5-10 mph above the average speed. However, the speeds of the crash-involved drivers in these studies were based on self-reports. It is well known that drivers exceeding speed limits are likely to deliberately underestimate their speeds. Such underestimation can account for much of the apparent underinvolvement of moderately high-speed drivers in crashes. Later research found that simply removing the crashes involving intersections and turning maneuvers from the Solomon data eliminated the overinvolvement of slower drivers in crashes. More important, the Solomon research addressed only speed variation, not speed limits.
Speed limits are based on the road conditions, the traffic on the road and the locality. This is based on the fact that you are not alone on the road and an aggressive driver, intoxicated driver or any driver for that matter should never forget this. There should be concessions made for any contigency and other traffic on the road. These speed limits are very necessary since the movment of all the people using the road should be kept in mind. Please do not have this misnomer in mind. Speed is the reason why most people have to pay very heavy insurance. DUI drivers would certainly need SR22 car insurance.

Drive safely and carefully.

Chris Lang : What is aggressive driving? A friend of mine told me that he required SR22 car insurance and was looking fo a cheap sr22 auto quote. I donot understand why the dude needed this if he was not held for drunk driving.

Response : Chris, let me tell you that Sr22 car insurance is not actually an insurance requirment but a requirement given by the traffic authorities since the person has been a repeated offender at driving or he has been involved in fatal crashes which would require that he definetly needs to be insured. This is to protect the public and even the driver from having financial issues at a later date. Yes cheap SR22 insurance is avaliable thanks to the internet and high competition. You can check it out yourself right here on my website. Just plug in your zip coded and other minor details and am sure you will get the best sr22 insurance quotes.

Secondly let me tell you a little about aggressive driving. Aggressive driving invloves speeding, distracted driving, talking on the phone, text messaging, getting into car accidents very often – in short it is poor or bad driving which is causes accidents and hence is considered high risk. The insurance companies group these drivers in the same catagoery as drunk driving or DUI convictions and offences.

Aggressive driving is a major concern of the American public, ranking at or near the top of traffic safety issues in national surveys of motorists. However, the concept of aggressive driving is not well defined, and its overall impact on traffic safety has not been well quantified due to inadequacies and limitation of available data. The highway traffic has found that agressive driving was responsible for 56 percent of fatal crashes from 2003 through 2007, with excessive speed being the number one factor. We will discuss this in more details later.