Jul
16
2009
0

Insurers drive up rates for motorists…!!!

Get ready to pay more – potentially much more – for auto insurance.

Ontario motorists face the biggest increases in insurance premiums since the province temporarily froze premiums in late 2003.

The latest round of increases approved by regulators has brought the average increase over 12 months to 7.8 per cent, with some insurers raising rates by twice as much.

Premiums are rising in the wake of investment losses and the increased demands on insurers to pay more for medical and rehabilitation services for victims of minor injuries.

To read this full news article in the Toronto Star click here.

Written by Nancy in: Road Safety Issues |
Jun
23
2009
0

Top 10 Tips for parents before their teens take to the roadways!!

 

School is out at the end of June and with summer comes the throngs of new teen drivers taking to the roads for the first time.  Deciding on proper training becomes top of mind for parents as they enter this new phase of life with their teen.

The Top 10 things you should consider before your teen goes behind the wheel for the first time:

  1. Do you hire a professional? Teaching your teen how to drive should be left up to the experts…!!!  Unfortunately, we have all developed habits, especially while driving that we just simply should not pass onto our teen.  Give your teen the right start – and while you are practicing with them maybe you will refresh your own skills…!!!
  2. How do you prepare your teen for writing their first government test?  Your teen will require a copy of “The Official Drivers Handbook”.  It contains the basic foundation for driving here in Ontario.  The handbook includes rules of the road, road signs & road markings, information about the graduated licensing system and also explains how demerit points work.  Again this can be a great review for parents as well.  A great website to help teens prepare for this written test is www.learnersprep.com.
  3. How do you decide what type of training your teen requires?  You should only choose a Driving School that is approved by Ministry of Transportation here in Ontario.  You can locate approved schools by going onto the Ministry website at www.mto.gov.on.ca.  Approved schools will all offer 25 hours of classroom training time and 10 hours in-vehicle training.  Upon successful completion of a MTO approved program the student will be electronically certified with the Ministry of Transportation which gives them a 4 month time credit for attempting their first road test known as the G-2 exit road test.  The student will also be eligible for an insurance discount.
  4. How do you know which approved school to go to?  Once you have the list of approved schools in hand the following list of questions might be helpful in determining which school to select:
    1.  
    2. Ask about the cost – inquire whether there are payment plan options available, or monthly specials.  Are there any additional fees – make sure the price is actually the full price!
    3. What makes your 25 hours of classroom training time different from another schools classroom time?  Do you have interactive training tools?  Is simulation training including within the 25 hours?
    4. What is the maximum number of students per class?  What is the student teacher ratio?
    5. Does my teen get private 1-on-1 in-car training?  How long is each lesson?  How long have the instructors been teaching?  Does the school annual train and upgrade their instructional staff?
    6. Does the school teach more than the basics, more than just learning how to pass the Road Test?
    7. How long has the school been operating in Oakville?
  5. What if my teen doesn’t want to go to driving school?  Before you select a program, get your teens opinion.  Present your findings about each driver training program, engage them in the decision making – in order for them to get the most out of their training program they should do a program they will find interesting, engaging, interactive & enjoyable.  If they are going to sit and be bored for 25 hours…what’s the point…!!!
  6. My teen wants to go to driving school with a friend, should they?  Your teen should attend the program with a friend when ever possible – the more fun and engaged your teen is in the learning process the better for their learning retention.  Driver Training can be a dull subject at the best of times…how exciting can you make certain things like road signs and lane markings?  Engaging the teens and keeping them entertained will help them retain more of the information being presented to them.
  7. How do teens understand the seriousness of operating a motor vehicle?  Talking to your teen about this next step, getting them to understand your nervousness as well as your confidence in them is really important. Talking to teens about your expectations and your rules surrounding their driving your car is an absolute must.  Talking to them about the dangers associated with drinking and driving & texting while driving – set the ground rules well in advance!
  8. Prepare yourself – when you are being the co-driver it will take a lot more concentration then you may think.  You are paying attention to all of the things that you would if you were operating the vehicle yourself, but you must also pay attention to what your teen is doing as well.  They will be nervous whether they tell you so or not.  They may be over confident or cocky which means you will have to keep their speed and turns.  Try not to over react – staying calm will help your teen remain calm and confident behind the wheel.
  9. Practice…Practice…Practice – Your teen is going to need a lot of Practice.  The Ministry recommends approximately 2000 km of driving time before someone attempts to take their first road test.  Practice allows teens to hone and refine their newly acquired skills.  Parallel Parking can be mastered with good technique taught by a professional and then plenty of practice.
  10. The sooner you get your teen on the road and driving the better…this is in regards to insurance savings when they hit their early 20’s and they might want to be purchasing their first vehicle and getting their own insurance.  The longer they have been driving the better the insurance rates will be according to a local agent.  They will have established a driving history under your policy which then gives them a track record.  Talking with your teen about keeping a clean driving record as it relates to insurance is really important.  The decisions they make early on can have a long lasting effect on their insurance record.  Safe Driving does come down to dollars and sense (common sense & good judgment go a long way to keeping rates low)!!!

  

 

 

 

 

 

 

 

 

 

 

 

 

Apr
27
2009
0

Humour - Do wives go to far helping their husbands???

A wife was making a breakfast of fried eggs for her husband.
Suddenly, her husband burst into the kitchen.

‘Careful,’ he said, ‘CAREFUL! Put in some more butter! Oh my gosh! You’re cooking too many at once. TOO MANY! Turn them! TURN THEM NOW! We need more butter. Oh my gosh! WHERE are we going to get MORE BUTTER? They’re going to STICK! Careful. CAREFUL! I said be CAREFUL! You NEVER listen to me when you’re cooking! Never! Turn them! Hurry up! Are you CRAZY? Have you LOST your mind? Don’t forget to salt them. You know you always forget to salt them. Use the! salt. USE THE SALT! THE SALT!’
The wife stared at him.

‘What in the world is wrong with you? You think I don’t know how to fry a couple of eggs?’

The husband calmly replied, ‘I just wanted to show you what it feels like when I’m driving.’

Written by Nancy in: Driving Just For FUN | Tags:
Apr
17
2009
0

Top 10 Forgotten Rules of the Road

Great Article in the Wheels section of the Toronto Star - click here to read more…!!!

So what do you think are the top 10 forgotten rules of the road…post a comment and lets see if we can actually build concensus…!!!

Apr
15
2009
0

DWT (Driving While Texting Poll)

We all know that Driving while Texting is extremely dangerous - Even with this knowledge - do you still text and drive…???

A. Yes - regularly

B. Yes - Occassionally

C. Yes - in an Emergency

D.  No - in an Emergency I have someone else do it for me or I pull over

E.  No - I never do at all

F. No - I have no idea what you are talking about

Please respond below - you don’t have to give an explanation, I will tally the results - please feel free to add another category that I may not have thought about.

Apr
14
2009
2

Shopping for a Driving School

Learning to Drive can be one of the most dangerous skills a person can learn!  There are so many driving schools out there you can choose from how do you choose?

Driving is something you are going to learn once, so you want to go with a professional company.  Believe me, when calling other schools you CAN tell the difference…..

1)     The first basic criteria a driving school should meet - they must be MTO (Ministry of Transportation) Approved.

o        The Ministry of Transportation governs all driving schools in Ontario; they set all standards for the driving schools, the owners, & of course the instructors.

o        The MTO – sets the standards for curriculum content, the 25 hours of classroom training time as well as the 10 hours of in-vehicle training time.

o        You can find the list of MTO approved schools on their website www.mot.gov.on.ca – they are listed city.

2)     Once you have narrowed down the list of MTO approved schools the following questions would be helpful to ask:

o        About the Driving School:

§         How long have you been in business?

§         How long have you been in Oakville?

§         Ask about the owners – find out how involved they are in the school, with the training as well as in the local community!

§         How does the school accept payments?  Must you pay in-advance? Do they offer a payment plan? How flexible are those payment plans?  What is the refund policy?  All too often we hear about driving schools taking money but not ever doing the lessons!  Don’t get caught in that!

§         Does the driving school talk about having a really high % pass rate for the Driving Exam – be careful not to fall into that trap – driver training lays a great foundation but each individual student may be confident or not on the day of the test – there are many variables which could be factored in on the test day that could cause a student to fail – an average pass rate based on the examination centre pass rate is a better indicator.

§         Driving schools that focus on the maximum insurance discount is another indicator of concern.  As an MTO approved school the students will get a certificate which is attached to their driver licence number – the insurance industry will give a discount to each and every student who has completed an MTO approved program.  After that, the insurance industry will base rates on many factors – it is a misnomer that one driving school will get higher rates over another – even if they have a famously branded name – the only thing found to give a little higher discount with some insurers is the aspect of simulation training.  Each individual should check with their insurance company to verify the basis of their discounts.

o        About the classroom:

§         How many students does the school allow in the class (maximum number)?

§         What will the instructor to student ratio be in the classroom?

§         Ask if you can see their classroom – is it clean and tidy – Are they using those old flip up desk which can be cramped and uncomfortable or do they have big professional desks and chairs? 

§         What type of interactive equipment do they have in their classroom? Very important – if the students are going to sit for 25 hours bored – they will spend more time texting friends or listening to their ipod – classroom training is the foundation for the in-car lessons that is why the MTO require so many more classroom hours compared to in-car hours – this is a life skill they are learning so they absolutely must be interacting with the material for greater understanding of the subject.  Simulators are the best way to do this.

§         If the driving school claims to have simulation training – is it included in the 25 hours of classroom time?  Who manufactured the simulators?  What is the screen size of those simulators – size definitely matters (the larger the screen size the more realistic the experience!) – Who developed the software for the simulators – this is another important aspect of simulation training – this should be based on proven training methodology!  How is the simulator used – are the students left on their own on the simulator – is it being treated like a big video game not as a serious training tool??

§         Does the driving school do training for professional drivers or upgrade skills for experienced drivers or are they ONLY able to train new drivers? This is important as it means the school has achieved additional designations from organizations such as The Canada Safety Council and is showing that they must upgrade their instructors every year!!!

§         When can you join in on a class – a driving school that says you can come in and start on any Monday evening for instance – how does that seem possible – there should be session numbers and each student must complete each session. There should be flow to the curriculum.

o        About the in-car:

§         What year are their driving school cars? 

§         Does the driving school have the proper amount of insurance – insurance for a driving instructor is very expensive and many schools take the least amount of liability insurance to keep their costs down – it is worth it to ask!

§         Is there EVER more than one student in the car at any time during a lesson? Listen new drivers have been passengers all their life – they don’t need to spend even 1 minute of their 10 hours of in-car training being a passenger – they have perfected that already.

§         How experienced are their instructors?  Many haven’t been teaching for more than a couple months…it’s best to get an instructor who has lots of experience. Are those instructors re-trained every year?

§         Do they know the area in which the lessons are being done?  Ask specific questions, you want to make sure they are familiar with your location, not just a call centre somewhere far away that doesn’t have a clue!

§         Does the driving school do emergency maneuvers??  Are the emergency maneuvers only done in-car??  Even better if they are demonstrated and practiced on a simulator first!!

§         Does the driving school take each person on the freeway??  As a new driver in the G1 phase the only time they are allowed on the freeway is with a licensed driving instructor!!

o       About the price:

§         This is a big issue for many families as we face a weaker then normal economic outlook!!  Caution - do not choose a driving school based solely on the cheapest price in town.  

§         Soccer, Hockey, Baseball, Ballet, Gymnastics can be very expensive every year not to mention the cost of properly equipping & outfitting often with protective gear to keep them safe – is a repeated cost for families year after year.  Driver training is a once in a lifetime purchase.  Driver Training is the new drivers’ protective gear/equipment.  You are about to put your new driver in an expensive 2000 pound weapon (aka- the car) set them out on our roadways where there are more distractions and dangers then ever before.  You would not get the cheapest jock strap for your son and expect him to be protected 100% - why would you expect to pay bare minimum for a training program and then be surprised why they can not drive or worse that they got into a collision??  Sometimes in life the old saying - you get what you pay for really does apply – so the question then becomes what is your new driver’s life worth…???

Driver training when properly and effectively executed saves lives!!!  You need an MTO approved program – highly engaged owners not only in the school, but also in the community, a good high quality interactive training program that gets the students engaged in the material as well as keeps them engaged, instructors with experience, integrity and heart who are passionate about keeping people safe on the roadways. That is what makes up a Great Driving School.

 

 

 

Apr
05
2009
0

Would-Be Drivers Shop for Easy Road Tests

Ontario would-be driver’s have speculated for years that one test centre was easier to pass the road test at versus another test centre.  Although we had speculated about this as well, it was difficult to ever prove if this was fact or fiction.  I came across a very interesting article written by Daniel Dale of The Toronto Star which proves that indeed there are vast differences from test centre to test centre.  Click here to read the full Toronto Star article. 

Since Ontario residence can take their road test  anywhere they choose, drivers can shop around for a location at which they are most likely to pass.  These variations in difficulty at test locations does create a potentially dangerous loophole in the provinces road safety regime - this according to Brian Patterson, president of the Ontario Safety League.

Mar
28
2009
2

Hill Parking - It is either Up or Down - “Hill”

So Hill Parking is really the last type of parking you will do.  Often it is linked with parallel parking. 

Four Types of Hill Parks:

  1. Facing Uphill with a Curb
  2. Facing Uphill without a Curb
  3. Facing Downhill with a Curb
  4. Facing Downhill without a Curb

I have found a really great video clip which explains Hill Parking - please click here to view.  This fellow does a really nice job of demonstrating a hill park - click here to view

Tips:

  1. Always deploy you parking brake when doing a hill park, this is an extra measure of security.
  2. You will always turn your wheels so they are pointing to the right - except - if you are facing uphill with a curb.  The tires will catch the curb if it rolls backwards if you have your wheels pointing to the left - in this particular case.
  3. If you a driving standard/mannual transmission vehicle - shift into first gear or reverse this will give you extra security - you will still need to deploy the parking brake you can not rely on this alone.
  4. Remember to check for oncoming traffic before opening your door…or…when driving away from the parking space.

Hill Parking is very easy if you remember the basic principles…always turn your wheels to the right EXCEPT if you are facing uphill with a curb you turn the wheels to the left.

Mar
19
2009
0

Parking in Lots - Require Lots of Parking Practice!!

On the surface stall parking appears to be an easier maneuver then parallel parking.  There are many tricks to successful stall parks and also some common courtesy in parking lots goes a long ways.  I am going to start off my message today with some funny video clips demonstrating how things can go seriously wrong, most errors are from lack of common courtesy. 

  1. Parking too close to another driver - opening car door and dinging the car beside you a definite no-no!!  Click here to view.  
  2. Having no sense of space and space management - proper steering could have helped in this situation - knowing the space around your vehicle is very important!! Click here to view. ( It looked like she had room in front of her vehicle…why she did not pull forward more to give herself more room to properly back out of this space.  “Tip:  Always back into the parking space - or pull forward into the stall ahead - would have been an easier exit…!!!”
  3. Steering - this person had enough space to get out of this parking spot…she did not steer enough to make it happen - instead of doing big steering initially, now she is has to do a lot of little steering maneuvers.  Click here to view.
  4. Being overly cautious while leaving a parking spot can get drivers into a lot of unnecessary trouble.  This driver had plenty of space to easily leave this parking spot, but lack of steering and being too slow was the downfall here.  Click here to view.  The driver did the right thing by pulling back into the stall and reattempting the reversal - the driver changes the direction and got some visual help to eventually leave the parking spot.
  5. This driver is doing the right thing by backing into the parking space…what the driver does NOT do very well is manage the space around their vehicle and again very slow steering.  Click here to view.  Although it is funny and often painful to watch, as we can clearly see how someone could do it better - what I did like that this person did was to re-position the car before leaving it - this is not only courteous to the other cars parked there, but it allows the car maneuvering capabilites when they go to leave their parking spot.

Remember to follow these tips for successful stall parking:

  1. Signal Early - this is not only the courteous thing to do as it shows other drivers where you intend to park, but it is showing pedestrians where you intend to go also.
  2. Look 360 degrees before backing - remember space management is the key.
  3. Always back into your space…this fellow does a really nice job of demonstrating how to properly back into a parking spot - click here to view.
  4. If possible…pull into a spot that has another open spot attached to it so you can pull right through.  You will be in the same forward facing position as if you had backed into the spot, without actually packing up.  This is the safest way to park!!!
Mar
17
2009
0

The Art of Parallel Parking

There is a trick to parallel parking…it has to do with getting into the correct position to begin the parking process, and equally as important you must select a space that is big enough to accomodate the size of your vehicle.

This clip clearly demonstrates that the car was positioned incorrectly and the space was not big enough to accomodate the vehicle which caused the driver much frustration…in addition the driver is operating a standard shift vehicle which makes the whole process a lot more tricky - click here to view.

There are exceptions…stunt drivers spend countless hours perfecting tight parallel parking - click here to view a video which depictis a tight parallel parking job. (please do not try this!!).  These clips are all sorts of parallel parkers gone wild - click here to view.

This video clip is painful to watch from the point of view that this driver could have done the parallel park by pulling into the spot…they actually had enough room to pull it off, the problem is that they needed to get tighter with their steering - then the driver attempts to do the parallel park properly - but again the car positioning was off - click here to view.

This clip shows again how people misjudge the space required for a proper parallel parking job.  Having said that this driver clearly did not have common decency or courtesy.  Hitting other cars and then leaving your own car mis-angled & then potentially obstructing oncoming traffic presents a whole other set of dangers - click here to view

The perplexing thing is how people can mess up parallel parking when there is plenty of space…this should have been a very easy parking job - clearly proper steering plays a major role in parallel parking - click  here to view.

The following video clip gives proper steps to paralle park - click here to view - very nice job!

This is another really great clip on proper paralle parking techniques - click here to view - remember practice makes perfect…!!!

To recap:

  1. Select a parking space large enough to accomodate the size of the vehicle you are driving!
  2. Get into the proper position to begin the parallel parking - not having enough length or space from the car beside you spells disaster from the get go!
  3. Proper steering it is the key!!! - Unless you have this new invention - click here to view.

I hope these video clips some with humour and others with good instruction will help to de-mystify Parallel Parking…!!!

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