Boston Car Accident Lawyer Blog
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Commercial insurance is a complicated business, essential to businesses, but often branded by complex coverages, assorted exposures and risk and independently negotiated and priced agreements.  While prices stabilize and new insurers break into the commercial lines industry, it will be vital for companies to focus their efforts on technology in order to conquer new clients, retain existing clients, and successfully serve them all.

Commercial lines insurers are now seeking to leverage data from a broader network of sources with the help of technology investments.  Novarica, a research and advisory firm focused on insurance technology strategy, has recently published a report that shows how predictive analytics, third-party data and multidimensional data are being leveraged by carriers to enhance claims handling and underwriting discipline.  Martina Conlon, senior vice president of Research and Consulting and lead author of the report says, “Drones, loT (Internet of Things), third party data providers and telematics are changing the landscape of underwriting in commercial lines.”  She goes on, “Insurers have the opportunity to use the data from these sources to improve risk assessment and pricing and boost underwriting results.”  Chuck Ruzicka, vice president of Research and Consulting and co-author of the report, builds upon Conlon’s remarks, saying, “The right capabilities are necessary in order to truly take advantage of these emerging technologies and the data available from them.”  Ruzicka adds, “To this end, commercial lines carriers are investing in core systems, advanced analytics, and self-service portals.” Continue reading

Aggressive driving and road rage has long been a problem on American roadways.  Screaming, obscene gestures, and sometimes violence are common on our nation’s streets.  Although many of us have succumbed to our emotions while driving and reacted poorly, there are some staggering statistics you should know before you put the pedal to the metal next time.  Data from the National Highway Traffic Safety Administration (NHTSA) and the Auto Vantage auto club show that 66 percent of traffic fatalities are a result of aggressive driving.  They also report that 37 percent of aggressive driving incidents involve a firearm.  The last statistic worth noting is over a seven-year period, there were 218 murders and 12,610 injuries that were attributed to road rage.  Clearly, aggressive driving can be dangerous.  However, did you also know you may be more prone to road rage depending on where you live?

New data published in the AAA Foundation’s annual Traffic Safety Culture Index shows that northeast drivers are more likely to shout at other motorists, aggressively honk, or make offensive hand gestures than drivers from other regions of the country.  This data was collected from 2,705 licensed drivers who drove a vehicle in the past month.  According to the study, almost 80 percent of U.S. drivers have experienced “significant” frustration while driving in the past year.  The study also found that an estimated 8 million U.S. drivers participate in some form of “extreme examples of road rage,” which include honking, yelling, making angry gestures, tailgating or deliberately blocking another vehicle from changing lanes.  AAA reports that drivers from the Northeast are up to 30 percent more likely to make an angry gesture than drivers from other areas of the U.S.  A small percentage of motorists reported engaging in extremely aggressive behaviors, such as tapping or hitting another vehicle or exiting their vehicle to challenge another driver.  “Inconsiderate driving, bad traffic and the daily stresses or life can transform minor frustrations into dangerous road rage,” said Jurek Grabowski who is the director of research for the AAA Foundation for Traffic Safety.  “Far too many drivers are losing themselves in the heat of the moment and lashing out in ways that could turn deadly.” Continue reading


The Insurance Institute for Highway Safety recently performed a series of headlight evaluations in which none of the 21 types of small SUVs tested received a good rating.  Only four of the 21 vehicles were determined to have acceptable headlights.  The 21 vehicles have a total of 47 different headlight combinations available.  However, two-thirds of these headlights have been rated poor.  The performance of this set of vehicles is even worse in regards to vehicle lighting than the midsize cars that were first to be rated earlier this year.

The government standards for headlight performance are based on tests performed in laboratories, which poses a problem as these tests to do not accurately depict headlight function in real-world driving.  Yet, it has been found that about half of traffic deaths occur at times when additional light is need, i.e. at night or during dusk or dawn.  In the IIHS evaluations of midsize cars earlier this year, it was found that pricier vehicles did not correlate with better headlight quality.  Modern headlight technology, including high-intensity discharge (HID), LED lamps, and curve-adaptive systems, also has not been proven to be more effective as lighting systems.  IIHS Senior Research Engineer Matthew Brumbelow made a statement, saying “Manufacturers aren’t paying enough attention to actual on-road performance of this basic equipment.”  He goes on to say that they are optimistic that auto manufacturers will quickly change the headlight technology on their vehicles after this recent underwhelming headlight evaluation report.  Looking ahead to 2017, vehicles will need headlight ratings of good or acceptable in order to qualify for the TOP SAFETY PICK+ award.

The IIHS headlight rating system doesn’t discriminate between headlight technologies.  Although some studies have shown certain benefits for more advanced and modern lighting systems, the government rating system only measures the amount of usable light in the laboratory tests.  IIHS engineers use the Vehicle Research Center’s track after dark to test the headlights of vehicles.  Vehicles travel around the track using five different approaches: traveling straight, a sharp left curve, a sharp right curve, a gradual left curve and a gradual right curve.  A special device is used to measure the amount of light projected from both low beams and high beams of the vehicles when completing all five approaches.  Additionally, the glare from low beams for approaching drivers is measured.  A maximum score of marginal can be earned for vehicles determined to have excessive glare.  The only particular technology that has been applauded by the IIHS is high-beam assist, a feature that automatically switches between high and low beams depending on if there are oncoming vehicles present.  Because this feature is expected to decrease the overuse of high beams, vehicles can receive bonus points for having this technology.  Continue reading

In the past few years, various automakers and technology firms have been competing to develop a safe autonomous vehicle.  Among the companies involved are many well-known automakers, namely Mercedes, BMW, and Tesla, as well as tech firms like Google.  The concept grew from the logic that computers should be able to more safely operate vehicles than humans who commit errors or unsafe driving behaviors frequently.  This premise may be under scrutiny after a deadly automobile accident involving a self-driving car.  The accident occurred on May 7 in Williston, Florida and involved a Tesla Model S electric sedan.  The driver of the Tesla sedan was killed while the car was in self-driving mode.  The National Highway Traffic Safety Administration made a statement about the incident saying a tractor-trailer made a left turn in front of the vehicle, and the car failed to apply the brakes.  This is the first known incidence of a fatal crash in which the vehicle was driving itself by means of computer software.  The driver was identified by Florida Highway Patrol as Joshua Brown, 40, of Canton, Ohio.  Brown was a Navy veteran who owned a technology consulting firm.  Tesla made a statement on Thursday saying Brown was a man who “spent his life focused on innovation and the promise of technology and who believed strongly Tesla’s mission.”  Brown had previously posted several videos of himself using the autonomous Tesla vehicle.  In one, he applauded the technology for successfully preventing an accident involving his car.

The release of this story has been detrimental to Tesla’s efforts in expanding its product line from pricey electric vehicles to more conventional models.  It is still unclear whether the car the driver, or both were to blame for the lethal accident.  In a news release, the company said, “Neither autopilot nor the driver noticed the white side of the tractor-trailer against a brightly lit sky, so the brake was not applied.”  Many critics of self-driving cars have noted that this is evidence that computers cannot make “split-second, life-or-death decisions” as humans often need to.  Companies have been conducting tests using self-driving vehicles in private courses as well as public roads.  However, it does not seem that the technology has been tested and developed enough for the government to sign off on the autonomous cars.  The National Highway Traffic Safety Administration has recently been working on new regulations concerning testing these self-driving cars on public roads which are anticipated to be released sometime this month.  Continue reading

Uber made an announcement last Wednesday stating it has been recently testing new software that tracks and analyzes data from individual drivers in an attempt to increase safety for Massachusetts Uber users.  The technology tracks things like sudden acceleration, braking and whether drivers are holding their phones when they drive.  This is similar to data that is collected by trucking companies and fleet operators.  Some auto insurers also offer discounts to their customers who voluntarily install a data-collection device in their vehicle.  Uber announced that they will be requiring drivers in several cities to install this software.  The announcement comes amidst many conversations about if there should be stricter regulations on ride-hailing businesses, such as Uber.  Simultaneously, the San Francisco-based company is trying to manage its strained relationship with its drivers.  Uber drivers are independent contractors, not employees, and have often sued Uber over pay and working conditions.  Most recently, Uber adjusted the app to allow drivers more discretion to reject rides and to charge passengers who make them wait.

Uber says the new software is not specifically being used to penalize or reward drivers, though it does track behaviors that are often the reason drivers receive low ratings.  The information will be useful to drivers who do receive low ratings so that they may alter their driving to prevent additional complaints.  Repeated low ratings can result in drivers being suspended from the transportation company.  Because Uber already operates using an app, adding the new software is as simple as providing an update to users and drivers.  The new program implements the same gyroscope and motion sensors that allow smartphone users to play games on their devices.

This software will allow Uber to measure the car’s movement and also assess how quickly the driver accelerates or brakes.  A daily summary is then sent to drivers, noting how often they accelerated or decelerated too quickly.  Uber emphasizes that this is simply an automated process, meaning there is no human intervention if a driver is dangerously unpredictable on the road.  Instead, Uber tells users to access the “help” feature on the app.  In addition to this feature, there will be a sensor used to sense “phone movement.”  This program will be installed to detect if drivers are holding their phones while transporting passengers.  Uber plans to remind drivers that this behavior can be a distraction.  In the beginning stages of implementation, the company may also ask passengers if they saw their drivers holding a phone during the trip.  A third feature will immediately notify drivers if they are traveling excessively fast, specifically 15 mph above the speed limit.  Lastly, periodic reminders will be given to drivers about the importance of taking semi-frequent breaks.  Continue reading

Actor Anton Yelchin, 27, who played Chekov in the recent “Star Trek” movies was killed two weeks ago when his 2015 Jeep Grand Cherokee slid backwards and pinned him against a brick pillar and a security fence.  Fiat Chrysler recalled more than 1.1 million of these models and large cars in April because some drivers exited vehicles without putting them into park.  The company said it was aware of 41 potentially related injuries during the time it announced the recall.  However, U.S. safety regulators said on Tuesday that there were 68 reported injuries and 266 reported crashes in vehicles that have the confusing gear-shifting control.  Chief Executive Officer Sergio Marchionne said on a conference call that the recall would include a software update that would automatically shift the vehicles into park.  Critics are claiming this is a perfect example of how things become harder to use when you take the controls out of hardware and put them into software.

The underlying issue of the recall is that the Jeep’s shift lever doesn’t mechanically control the transmission, although it looks and moves like a traditional shift lever.  The shifter does not give any tactile feedback as to what gear you are in because it returns to the center position after each shift.  Therefore, to determine which gear you are in, you have to look at the LEDs on the shifter, which are often blocked by your hand, or the digital display in the instrument cluster.  This has caused a lot of confusion among drivers, resulting in them failing to put the vehicles in park.  The National Highway Traffic Safety Administration made a statement in February saying, “[T]he Monostable shifter is not intuitive and provides poor tactile and visual feedback to the driver, increasing the potential for unintended gear selection.”  Unlike other car companies who use this type of shifter, there isn’t an override to automatically put the car into park if the door is open. Continue reading

Self-driving cars are no longer a futuristic dream of the past.  Several top automobile companies, like Mercedes, BMW, and Tesla, have been designing and testing cars that can operate themselves.  Tech companies are also attempting to create safe and reliable self-driving cars.  According to researcher HIS Automotive, thousands of driver less cars will be sold in the U.S. in 2020, reaching almost 4.5 million by 2035.  Although these forecasts are legitimate, the U.S. auto safety chief said that these self-driving cars must increase safety at least twofold in order to make a significant difference in the total loss of life that occurs in automobile accidents in the U.S. annually.

Last year alone, there was a total of 38,000 deaths on American roads.  The National Highway Traffic Safety Administration (NHTSA) estimates that 94 percent of deaths that occur on the road are a result of human error.  It may seem like an easy solution, remove the human, remove the errors.  But, it has been ruled that self-driving software, such as Google’s software, actually might have the same amount of risk as a human driver.  In January, it was announced that NHTSA would soon issue guidelines governing self-driving cars within six months.  These guidelines include, how the vehicles would be tested and what standards they have to be upheld to in order for these cars to be permitted on the road.  These standards are described as a “model state policy” including local regulations of self-driving cars in order to “help support a uniform, consistent framework.”  President Barack Obama has also shown support for autonomous-vehicle technology, proposing 2017 budget calls including spending $3.9 billion over the next 10 years on developing this technology.  These cars should not only function safely, but more safely than vehicles that have human drivers in order to make a noticeable difference in the number of automobile accidents each year.

There are many countries and companies in the race to put the first safe and reliable autonomous car on the market.  The two main countries competing are the U.S. and China.  China’s version of Google, Baidu, is working on developing a self-driving car as well.  Initially, China seemed like a great place to experiment with such a car, considering the amount of deaths that occur there as a result of automobile accidents (261,367 deaths in 2013 according to the WHO’s latest report).  However, it is now understood that self-driving cars operate best in a predictable environment in which all rules of the road are followed.  In China, as often times in the U.S., motorists, pedestrians, bikers, and the like often view traffic signals as suggestions, not as laws that must be followed.  To date, Google’s cars have traveled more than 1.5 million miles and have only cause one crash since 2009. Continue reading

As a Boston Law Firm that handles all types of accident cases, we follow how technology can help provide safer roadways, and how technology can help identify causes of accidents. The Highway Loss Data Institute conducted a safety analysis of crash avoidance technology to determine its effectiveness in preventing car accidents. Examples of crash-avoidance technology include park assist and autonomous braking features, lane departure warnings, and blind-spot detection. The study revealed that certain forms of this technology are quite effective, while others can actually contribute to accidents. Contact a Boston Motor Vehicle Accident Lawyer Today.

While the study revealed that park assist features and blind-spot detection haven’t yet proven to be helpful or harmful, other features were actually associated with an increase in accidents. Lane departure warnings, for example, appear to cause an uptick in collisions. In addition to lane departure warnings, the study, which looked at Mercedes, Acura, and Volvo vehicles, examined various crash-avoidance features, including forward-collision warning systems, and adaptive headlights.

Features that Work

Forward collision warning systems alert drivers if they are moving toward other traffic too quickly. In addition to a warning signal, this feature may also automatically decrease the vehicle’s speed through the use of autonomous brakes. According to the report, there was a 14% crash reduction in the Mercedes and Acura vehicles with this feature. Volvos with this feature also experienced a lesser incidence of crashes, with a 10% reduction compared to vehicles without the system.

Adaptive headlights also appear to reduce the incidence of crashes, with accidents in these vehicles dropping by 10%. According to Matt Moore, the institute’s vice president, “These lights appear to help in more situations than we anticipated, though we don’t yet know why.”

Features that Hurt

As mentioned above, lane departure warnings are actually associated with a slight increase in accident claims. Although more research has to be conducted to determine the cause of this increase, there is some speculation that the problem can be blamed on the emerging, and as yet imperfect, technology. Warning signals may be inaccurate at times, resulting in an inappropriate reaction. “It may be that drivers are getting too many false alarms, which could make them tune out the warnings or turn them off completely,” said Moore. According to Consumer Reports, this inaccuracy can be especially problematic on windy, two-lane roads.

Moore believes that with further developments, the increase in accidents can see a turnaround. For example, a feature that autonomously forces the vehicle to remain in its lane could make the lane departure warning system more effective at crash prevention. In addition, warning signals can become so commonplace that drivers begin to ignore them. For instance, blind-spot monitoring detects large objects on the side of the car, including other vehicles, pedestrians, and cyclists. As cars are constantly passing these objects, the warning signal – often a light – goes on frequently. Although many people find this feature helpful, it can also be easy to ignore. Continue reading

Even simple fender benders can result in injuries and unpaid bills. Most people believe that if the damages are minor and no injuries are immediately present, there is no need to contact a Massachusetts attorney. They assume that a quick call to the insurance company will provide everything they need to schedule car repairs and pay for any damages. But that’s not always the case. In fact, more often than not, dealing with insurance companies becomes an overwhelmingly complicated process. And if injuries show up a few days or weeks down the road, things can get messy. Contact a Boston Motor Vehicle Accident Attorney Today.

Situations When Having an Attorney Can Save the Day

  • When there’s a conflict of interest with the insurance company: Yes, your insurance company may provide you with legal counsel following a car accident. But whose interest do you think that counsel is tasked with protecting? An attorney hired by the insurance company has the insurance company’s interests in mind at all times. If those interests align with your own, you’re in luck. But if they don’t? Well, that’s another story entirely.
  • If the insurance company denies your claim: Another car rear-ended you causing minor damage to your car. No big deal, you’ll just file a claim with your insurance company. But what if your carrier denies the claim? What’s the next step? Having an experienced car accident attorney on your side can help you collect the compensation you deserve in a timely manner.
  • When the insurance money doesn’t cover your damages: The insurance company cuts you a check, but it only covers a portion of the repair bill. What do you do now? Just as with denied claims, inadequate compensation is best handled by a skilled auto accident lawyer. An experienced lawyer will know what questions to ask, and will understand how to work with insurance companies.
  • If anyone suffered injuries: Injuries that are immediately apparent, and those that don’t show up for days or weeks, can be a nightmare for everyone involved. In addition to pain and suffering, lost work time, scarring and disfigurement, and disability, injuries can cause the insurance claims process to become drawn out and overly complicated. If you are injured, the last thing you want to do is spend hours on the phone with insurance companies. A knowledgeable car and truck accident attorney can help you navigate this process with ease so that you can concentrate on recovery.

Not to mention, if injuries are involved, there is a good likelihood that your case will result in a lawsuit. The right attorney can help prove you weren’t at fault, and differentiate between special damages and general damages. Most car accident lawsuits are settled before going to trial, but that doesn’t mean you don’t need to hire a lawyer. The outcome of your settlement is dependent on multiple factors, and an experienced attorney will know how to position you for the best possible outcome. Continue reading

Distracted driving is becoming far too commonplace on the streets of Boston.  All distractions present incredible risk to injury or death, not only the driver, but also passengers and bystanders.  There are three main types of distraction that are based on three types of attention, visual distractions (taking your eyes off the road), manual distractions (taking your hands off the wheel), and cognitive distractions (taking your mind off of driving).  Common distractions that can occur while operating a vehicle are texting or using a cell phone, eating or drinking, talking to passengers, applying make up or fixing one’s hair, reading (maps or directions), using a GPS, watching a video, and fiddling with radios or MP3 players to play music.

The more dangerous distractions are those that incorporate more than one of the groups of distractions.  For example, a particularly concerning distraction is using a cell phone to text because it requires so many forms of attention, visual, manual, and cognitive.  Some key statistics can illustrate just how damaging distracting driving can be.  In 2014, distracted drivers were associated with 3,179 fatalities and 431,000 injuries sustained in motor vehicle accidents.  Studies have show that distracted driving appears to be more prevalent in younger drivers.  Ten percent of fatal crashes, 18 percent of injury crashes, and 16 percent of motor vehicle traffic crashes were cases in which the teenage driver, between 15 and 19 years old, was described as being distracted at the time of the crash.  Specifically, it has been studied that texting takes your eyes off the road for 4.6 seconds.  If driving on a highway, assuming travelling about 55 miles per hour, you will travel the length of a football field while your eyes are focused on your text messages.

In order to discourage distracted driving, various state and federal laws have been enacted.  Many states have put a ban on texting and driving.  The Federal bans include banning texting while driving on government business/with government-owned equipment and banning cell phone use while on the job for various professions (railroad workers, motor carriers).  Most notably is the “It can wait” campaign sponsored by AT&T, which urges drivers that their phone can wait.  To date, there are over 8 million pledges made by those who pledge to keep their eyes on the road, not on their phones.  Although phones are the most well known driving distraction, other less obvious distractions can be just as dangerous.  As technology advances, cars are becoming more technologically sophisticated.  Most people believe that if respected car companies install intricate “infotainment” dashboards into cars, then they must be safe to use while driving.  However, anything that takes attention away from the road can distract drivers enough to get into an accident.  Driving is not an activity that can be used to multitask.  Continue reading

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