December 4, 2014

General Motors Ignition Switch Recall Victim's Compensation Fund Cases to Be Heard in 2016

The General Motors Ignition Switch Recall Victim's Compensation Fund was launched in August of 2014. To date, there have been over 2,200 personal injury claims filed, with 36 of those claims being wrongful death claims.

The GM recall fund was establish in order to address the 2.5 million claims that stem from defective ignition switches in the Chevrolet Cobalt, Chevrolet HHR, Pontiac G5, Pontiac Solstice , Saturn Ion, and Saturn Sky vehicles, that were manufactured between 2003-2007.

The defective ignition switches cause the vehicle to suddenly shut off if heavy key chains are used or if the ignition is jarred, which can occur when a vehicle is involved in an accident. The ultimate result of these defective ignition switches is that the driver may lose control of their vehicle or the GM airbags may fail to deploy, which in turn increases the risk of serious, if not fatal injury.

As of December 1, 2014, over 2,215 GM claims have been confirmed. The deadline to file these claims, with the GM Compensation fund, is on January 31, 2015, therefore; the number of claims is expected to rise in the next few weeks.
GM recall injury lawsuits are also being filed against the auto maker in state and federal courts nationwide. Those claims also involved injuries associated defective ignition switches, but those are on other GM vehicles, which are therefore; not part of the GM compensation fund.

The claims that have been filed against General Motors, in federal court systems, have been consolidated for pretrial in the U.S. District Court for the Southern District of New York, and is part of a Multidistrict Litigation, or MDL. These cases will be heard by U.S. District Judge Jesse Furman to reduce duplicative discovery into common issues, avoid conflicting pretrial rulings and to serve the convenience of all the parties, witnesses and the courts.

The first cases are expected to go before Judge Jesse Furman in January of 2016. For more information, visit http://gmignitionmdl.com.

November 17, 2014

Cell Phone Use May Cause Brain Cancer

In October 2014, a Swedish research team published a medical journal "Pathopsysiology". The study resulted in a heightening concern for the increase of brain cancer by longtime users of mobile phones and wireless phones.

The study was conducted using two control trials. One included patients from 1997 to 2003 and the second included patients from 2007 to 2009. Almost 1500 Patients with malignant brain tumors were used along with 3530 controls.

The research indicated that people who use mobile phones for over 25 years are three times more likely to develop Glioma, a deadly brain cancer, compared to those who use these electronic devices less than a year.

The risk for developing brain cancer increased, by 30 percent, from the exposure to cell phone radiation. The risk appears to start low, but it increases over time. The risk of Glioma brain cancer increased significantly for every 100 hours of mobile phone use and per year of latency. The largest risk of Glioma seemed to be in the temporal lobe of the brain. The participants of the study who began using mobile phones at a younger age, and those before the age of 20, seemed to be at a higher risk for Glioma than all other age group participants.

The World Health Organization (WHO), announced in 2011, that it would reclassify radiofrequency electromagnetic fields emitted by wireless phones as a possible carcinogen. The Federal Communications Commission (FCC) also announced, early this year, that the will reassess the potential effects of radiation exposure from cell phones and mobile devices, as well. The FCC plans to look at the radiation exposure and determine how much is emitted by the devices and how those emissions affect humans, specifically, the human brain.

In the meantime, it is recommended that users of these devices try and reduce their risk of cancer by using headsets, speakerphones, holding the phone away from the body and text as often as possible.

October 29, 2014

Chemical Propellant Linked to Exploding Airbags Used by Takata

Airbags in motor vehicles use a propellant to inflate the airbags in the event of a motor vehicle crash, but Takata airbags has been using a chemical propellant, to inflate their airbags, that has been the cause for a recall of nearly 8 million vehicles. The problem with the Takata airbags is that to make their airbags inflate, they are using a dangerous chemical, aluminum nitrate, which can cause injury and death. When the airbags inflate and explode, they, cause shrapnel and other debris to enter the vehicle and can cause injury and death to the driver and passengers. To date, the use of Aluminum nitrate in the Takata airbags has been linked to at least four deaths and a number of injuries.

Takata airbags are mostly used by the automobile manufacturer Honda, and so far all the deaths associated with these airbags have been linked to Honda vehicles. Other vehicle manufacturers have had to make recalls, as well, but Honda has had the majority of the recalls associated with the use of Takata airbags.

To date, Takata is the only company that uses Aluminum nitrate as an airbag propellant. This chemical, though efficient at inflating the airbags in the speed needed to respond to a vehicle collision or impact, reacts negatively to moisture. This negative reaction to moisture, in turn, increases the power of the chemical reaction, and therefore; causes the airbags to explode. The explosion causes debris and other particles to enter the vehicle cabin and can hurt the driver and passengers in the vehicle. As stated, previously; four people have died as a result of using Takata airbags, to date.

The chairman of Takata Corporation, which was founded in 1930, is Mr. Shigehisa Takada. Earlier this week, Mr. Takada publicly apologized for the defective airbags. He said the company has put aside about $28 million dollars to pay for the recalls, in addition to the almost $70 million already spent.

The National Highway Traffic Safety Administration (NHTSA) has launched a campaign to raise awareness about the risk of the Takata airbags, specifically in areas with warmer climates, such as Florida, Puerto Rico, Hawaii and the Gulf of Mexico. The NHTSA has urged owners of vehicles with Takata airbags to seek immediate repairs. Therefore; all vehicle owners with Takata airbags need to have their vehicles repaired, especially those in warmer climates, as they are more seriously affected, due to higher moisture levels and the reaction that causes with the chemical Aluminum nitrate used by Takata airbags.

October 14, 2014

Traffic Camera Revenue Increases While Driver Safety Decreases

Between 1998 and 2004, collisions were up 61 percent while fatal crashes were up by 81 percent, due to red light and speed cameras in the District of Columbia. Traffic cameras can increase fatal and injury collisions because they can alter the driving behaviors of drivers. The major concern is that it causes drivers to come to sudden stops when they see these traffic cameras, therefore; causing more rear end collisions and fatalities.
In Virginia the same can be said for the use of traffic cameras. Rear-end collisions increased about 27 percent between 1998 and 2004.

With the use of these traffic cameras come fines for drivers. While the District of Columbia and Virginia see an increase in revenue, due to the cameras, drivers are burdened with these fines. It is clear that motorist who speed, run red lights and otherwise violate traffic laws need to be ticketed. But, the automated system that is imposed in the District of Columbia, Maryland and Virginia, are clearly focused on revenue first, not safety. There needs to be a more accurate and a fair way of ticketing these unsafe drivers.

By the end of this fiscal year, which was September 30, these traffic cameras have generated $26.1 million in revenue for the District of Columbia. The District should not have to depend on the revenues from these cameras to balance its budget. The purpose of these cameras, originally, was safety, but it is clear that now it is more about the revenue that come from the use of these cameras, then safety of drivers in the city.

October 6, 2014

Motorcycle Safety In the State of Maryland

Driving a motor cycle takes skill and concentration. In the state of Maryland, there are voluntary courses that riders can take, in order to get the proper training and strategies to operating a motorcycle. These courses are offered to new, as well as, experienced riders. Since the MVA's Motorcycle Safety Program began, over 100,000 people have learned to ride motorcycles. The criteria for the MVA Motorcycle Safety program, meets and exceeds the standards established by the Motorcycle Safety Foundation.

Maryland residents under the age of 18, who want to apply for a motorcycle license, however, need to complete either of the two motorcycle safety courses offered by the MVA. One is the Basic Rider Course and the other is the Alternate Basic Rider Course. In these courses, riders learn special skills and mental strategies necessary to ride a motorcycle responsibly. They also learn awareness of motorcycle safety and state laws.

In the program riders are given certain safety tips. Some of which are:

- Make ones' self visible. This means wearing riding gear that makes you more visible in traffic in addition to providing protection in the event of a crash. Wear bright colors and reflective strips/decals at night.
- Ride with your headlights on and in areas where you can be seen easily. Do not ride in a vehicle driver's blind spot. If you can't see them, they can't see you.
- Give yourself ample space and time to react.
- Always use your turn signals as well as hand signals, I possible. Avoid weaving in and out of traffic lanes and flash your brake lights when you are slowing down and before stopping.
- Be Non-aggressive and cooperative. Share the road with other drivers.
- Make sure and wear the proper gear when riding your motorcycle, which should include, over the ankle boots, gloves, protective jacket, pants and a helmet with a face shield or protective glasses.

Therefore; if you are involved in a motorcycle accident, first seek immediate emergency treatment and then contact an attorney to help you handle your claim. Our office is open Monday-Friday 8 am-5:30 pm, but we are always available by phone and email.

September 22, 2014

"Move Over Law" to Include Tow Trucks as of October 1, 2014 in Maryland

The state of Maryland has passed a new traffic law which states that a driver is required to move over a lane when passing a stopped emergency vehicle. This means that if for example: A police officer is on the far right lane and is flashing its lights, every motorist in the far right lane should move one lane to the left, if not they can and will be ticketed. It is referred to as the "Move Over Law" and it is intended to provide police and other emergency responders a bit more of a safety margin when they're at work on highways and major roadways. This law in particular took effect in Maryland in 2010, but many drivers are unaware and therefore being ticketed for this infraction. As for Virginia, the law took effect in 2002 and the District of Columbia has yet to implement such a law.

In Maryland the exact language of the law is the following:

"Drivers approaching an emergency vehicle using signals while stopped on a highway are required to make a lane change, if possible, into an available lane not immediately adjacent to the emergency vehicle. If mobbing to another lane is unsafe, the driver must slow to a "reasonable and prudent speed, given the current conditions on the highway."

Emergency vehicles are considered to be those operated by law enforcement agencies, vehicles of rescue squads and fire departments, Maryland emergency medical services, state vehicles responding to oil or hazardous material spills and ambulances of all types. As of October 1, 2014, this law will also include tow trucks.

The violation is considered a primary offense. This means that you do not have to be doing anything else illegal to be stopped by police. The fine is $110 and one point on a driver's license. However; if the violation contributes to an automobile accident, the fine increases to $150 and three points. If however the violation contributes to a fatal automobile accident or one where there is a serious injury, the fine is $750 and three points on a driver's license.

September 4, 2014

Check Your Vehicle for Recalls Through a New Government Website

A new government website will help consumers, who are looking to buy a used vehicle, make a better decision about the vehicle they are interested in purchasing, by publishing open recalls on used vehicles. The government website, can use a vehicle's Vehicle Identification Number (VIN) to list any open recalls on the vehicle. Currently, there is no law against preventing used car dealerships from selling recalled vehicles that haven't been fixed. Therefore; it is up to the consumer to be educated and well versed on the used vehicle they intend to buy, and that is where this new website comes into play.

Consumers, are therefore, advised to visit the website where these recalled vehicles will be listed by going to www.Safercar.gov. Once you are on the site, you can subscribe and opt to receive an email for all vehicle recall notifications. Every consumer that subscribes can sign up for up to five vehicle notifications. If not, you can just put the make and model year of the vehicle and/or the vehicles VIN and any and all recalls for that vehicle will show up.

August 18, 2014

Electronic Cigarettes the Go-to- Device for Quitting Smoking

According to the journal "Addiction", most smokers that are trying to quit use electronic cigarettes (e-cigs) as their go-to-device for quitting smoking. It was published by the journal that smokers who use e-cigs are 60% more likely to succeed at quitting than those smokers who use the nicotine patch or gum.

In the United States there are at least six million people who smoke electronic cigarettes. The industry is expected to reach $1.5 billion in sales this year alone. In 2013, the total year sale from these e-cigs was $79 million.

Another study included a survey conducted by the Kantar Media Research Firm, which found that 57% of smokers who use a smoking cessation device choose e-cigs, while only 39% choose a drug and 30% choose nicotine gums and patches.

The FDA, however is concerned with the health risks of the use of these e-cig devices to stop smoking because studies have shown that they release formaldehyde and other carcinogens. Therefore; the FDA has issued warning letter to various e-cig manufactures. In these letters it is declared that claiming that electronic cigarettes help people quit smoking is illegal without FDA approval first. The companies have conducted little to no clinical trials and have no evidence to support their claims, therefore; before these companies can call their devices smoking cessation devices, the FDA must evaluate them for safety and effectiveness.

In April 2014, the FDA announced proposed rules to regulate e-cigs. The proposed rules will restrict the sale and purchase of e-cigs to children under the age of 18. Also, manufactures will be required to register their products with the FDA, report ingredients and market the products only after receiving FDA review and approval, and, most importantly the manufacturers cannot claim that the devices can be used to quit smoking, unless they undergo an FDA review first.

August 4, 2014

Mirena IUD Lawsuits to Be Heard in NY in March 2016

Mirena is a form of birth control that was introduced in 2000. It is long-lasting and used as an intrauterine device (IUD), which is manufactured by Bayer Healthcare. The device is implanted into the uterus and is intended to prevent pregnancy for up to five years. However, in some incidents, women, who have had this device implanted, suffered severe and debilitating injuries when the IUD spontaneously moved from its original implantation location, puncturing the uterus and causing various internal injuries.

The first trial for the lawsuit against Mirena IUD (intrauterine device) will begin in March 2016. There have been hundreds of Mirena IUD lawsuits filed all across the United States and the U.S. District Judge presiding over these cases has set up a schedule that states that the first trial will begin in March 2016.

When Bayer Healthcare first introduced the Mirena IUD in 2000, it promoted the IUD as a hassle-free form of birth control. Women however, started complaining to their doctors and it was determined that some of the IUD's migrated from the initial implant site, perforating the uterus and other organs, causing major infections and abscesses, and leaving women unknowingly unprotected against the chance of pregnancy.

Bayer Healthcare now faces more than 2,000 product liability lawsuits nationwide. All the lawsuits involve similar allegations that the manufacturer failed to provide adequate warnings about the risk of injuries associated with side effects of Mirena IUD use.

Since Mirena was introduced, there have been more than 70,000 adverse events filed with the FDA, all which involve the Mirena IUD problems. 500 of the cases involved women who claimed that the Mirena IUD moved out of place since 2008 and 1,322 reported that the Mirena IUD punctured their uterus.

Bayer, however has attempted to defend their case by saying that the risk of perforation was included on the warning labels provided. Plaintiffs and women affected, however, claim that that warnings are/were vague, misleading and suggested that the risk of injury only existed at the time of insertion.

600 of the 2,000 lawsuits, all considered part of an MDI, or multidistrict litigation, have been assigned to U.S. District Judge Cathy Seibel in the Southern District of New York. Judge Seibel issued a scheduling order on July 29, 2014, and it states that the first federal trial is expected to begin on March 7, 2014. Similar claims have been brought up in New Jersey and will be heard by Judge Martinotti.

July 21, 2014

Never Leave A Child Alone In A Hot Vehicle

Every summer children are left alone in hot cars. Over 600 U.S. children have died, as a result of being left alone in hot cars, since 1990. These deaths can be preventable because they happen when kids are left unattended in a hot car. At times, it's because the driver forgot the child was in the vehicle or when children get into unlocked cars without any adult knowing it happened. It is tragic and preventable and the danger comes within minutes of being in hot closed quarters.

In order to prevent these deaths, children should never be left alone in a hot car, even if the windows are down. No matter how brief it may be for, it should not be done, for the safety of the child. Vehicles can become like greenhouses and temperatures can rise rapidly in a very short period of time. Besides the temperature, children are at a higher rise for heat-related illnesses and injury than adults because their bodies make more heat relative to their size and their abilities to cool through sweating are not as developed as an adult.

For example, on a summer day, the temperature outside can be 70 degrees, but the temperature inside a car can increase by 30 to 40 degrees Fahrenheit within an hour, and 70% of this increase occurs in the first 30 minutes, according to Christopher Haines, DO, director of pediatric emergency medicine at St. Christopher's Hospital in Philadelphia. It is at these high temperatures that heat strokes can occur. The body can experience a heat stroke when temperatures pass 104 degrees Fahrenheit. The high temperatures overwhelm the brain's temperature control, causing dizziness, disorientation, agitation, confusion, sluggishness, seizure, loss of consciousness and death.

It is also recommended that parents and caregivers not let children play inside unattended vehicles. One is to make sure that car's doors and trunk are locked at all times, and also, keep the car keys out of reach of children. All these tips may help prevent children from getting accidentally locked in vehicles and save their lives.

One must do everything possible to keep children safe. It is these preventive methods that will help lower the chances of children dying from being left alone inside hot vehicles.

Therefore; if you see a child alone in a hot vehicle, call 911 immediately and do whatever possible to get the child out of the vehicle.

July 2, 2014

Firework Use Can Be Deadly. Use with Caution on this Upcoming Independence Day Holiday

The U.S. Consumer Product Safety Commission (CPSC) is urging all Americans to celebrate this upcoming Fourth of July safely. In 2013, firework injuries and deaths increased, and so the CPSC is urging consumers to celebrate this year's festivities safely and caution when using fireworks.

The CPSC issues a report on fireworks safety report every year prior to the Fourth of July to remind consumers to be safe. In 2013, there was an in the number of injuries and deaths associated with the use of fireworks. Toddlers being the most affected. It was reported that 11,400 people were injured, up from 9,000 in 2012, and eight people lost their lives as a result of unsafe fireworks use and fireworks malfunction. 65% of these injuries occurred within 30 days surrounding the Independence Day holiday. Most of the fireworks being used during the days right before and after the holiday.

In order for the report to be issued, the agency reviewed fireworks incident reports from hospital emergency rooms, death certificate information, newspaper articles and other media sources to estimate the injuries and gather the necessary data for their statistics.
The injuries resulted from the consumer playing with lit fireworks or igniting fireworks while holding the actual firework device, by the malfunction of the devices and by the firework having an errant flight path, being tipped over or by it blowing itself out.

As stated earlier, toddlers were the most affected in 2012. Children under the age of five were injured more than any other age group in the U.S.. It was reported that most of these children were injured by the use of sparklers and bottle rockets, which parents/adults consider safer for children, when in actuality they are not. Sparklers burn at a temperature of 2,000 degrees, a temperature hot enough to melt some metals, therefore; sparklers and bottle rockets accounted for more than 40 percent of all injuries in the CPSC's report.

Also, it was reported that the eight deaths from fireworks usage in 2013 were a result of the consumer using banned, professional or home manufactured devices. These devices are often not acceptable or compliant with federal regulations, and therefore; are unsafe for consumers to use.

The CPSC urges consumers to only purchase fireworks which are sold legally in the U.S. and to never allow a child to play or ignite fireworks, including sparklers or bottle rockets on their own. It is also recommended that consumers not buy fireworks packaged or sold in brown bags, as most of the time these fireworks are made to be used by professionals and can pose a heightened danger to someone who isn't educated on the proper way to use these devices.

In conclusion, consumers are urged to use fireworks safely and to not allow children to use them. There are plenty of professional fireworks celebrations nationwide and those are the safest places for children to enjoy the use and demonstration of fireworks. Do your part to avoid any injury during the holiday season. Safety comes first.

June 16, 2014

Automobile Recalls at an All Time High in 2014

Since February of this year, Toyota Motor Corporation and General Motors Corporation have both announced vehicle recalls and have admitted to a blatant neglect towards consumer welfare and safety concerns. 2014 will most likely result in a rash of recalls and set tally records on safety related recalls in a single year.

The criteria for recalls has shifted, it use to be a compliance with laws or whether there were technical problems with a vehicle, but it has now shifted to whether the products can assure customers safety and peace of mind.

Toyota Motor Corp. has been one of the companies with the greatest recall in the recent years. In early June of 2014, Toyota Motor Corp agreed to pay a record $1.2 billion fine to U.S. Regulators to settle a criminal investigation into their unintended acceleration tied to defective floor mats and "sticky pedals" on some of their models. The "sticky pedals" problem was linked to 37 deaths worldwide.

In regards to, General Motors Corp., they too had issues with recalls. In their case it was disclosed that between 2003 and 2011 there were 2.6 million cars that had faulty ignition switches that ultimately led to 13 deaths. It became apparent that the ignitions would unexpectedly switch to accessory mode and shut off the engines, which then disabled the airbags and the power steering, on some of their vehicles. GM has since issued 29 other recalls of 15.8 million cars and trucks.

However; advances in automobile technology have made vehicles today safer than they were 15, 10, even five years ago, according to the Insurance Institute of Highway Safety.

Regardless, if your vehicle has a recall, it is at no expense to you. The cost to fix your vehicles' problem is on the manufacturer. So, if your vehicle has a recall, simply take your vehicle to your dealership and they will be responsible for the recall and the costs towards fixing whatever needs to be fixed.

Also, not all recalls are safety related and not all recalls affect every vehicle that fits the criteria for the recall. Some problems are environmental. For example, tires can fail for a number of reasons that could include salt on the road, which is normal during Midwestern winters but not likely in the South.

In order to see if your vehicle has been recalled for any reason you can go to the manufacturer's website or to Edmunds.com and search under car recalls. You can and may also want to contact your dealer or check at NHTSA.gov under recalls and defects.

June 2, 2014

Car and Truck Crashes Are Costly

The National Highway Traffic Safety Administration published a report last week in which it was reported that the economic and societal harm from motor vehicle accidents amounted to $871 billion in 2010.

In 2010, there were almost 33,000 deaths, 3.9 million people were injured and 24 million motor vehicles damaged, as a result of car and truck crashes. Out of the estimated $871 billion economic and societal cost of car and truck accidents $277 billion was attributed to economic costs; that equals to an average of $900 for every person living in the United States. $594 billion included harm from loss of life, pain and decreased quality of life due to injuries from car and truck accidents.

The economic cost of $277 billion, in the U.S., means that is the equivalent to almost 2 percent of the United States gross domestic product. These factors included productivity losses, property damage, and cost of medical treatment, legal and court fees, emergency services and insurance administration and costs to employers. Nearly three quarters of these costs are paid through taxes and insurance premiums.

There are several behavioral factors that contributed to motor vehicle accidents, all of which can be avoided:

1) Driving while intoxicated/impaired by alcohol or other drugs;
2) Speeding;
3) Distracted driving, and;
4) Lack of seat belt use

Alcohol related driving accounted for $199 billion, in other words 23 percent of the $871 billion. Crashes involving speeding account for $210 billion or 24 percent, distracted driving accounted for $129 billion or 15 percent, and, lack of seat belt use accounted to $72 billion or 8 percent.

All of these factors could have been avoided and prevented by drivers. It is imperative that drivers realize that driving is a privilege and not a right, and, therefore; needs to be taken seriously. Not only is your life in your hands, but the lives of everyone on the road. Responsibility is a key factor. Every person on the road needs to be alert, knowledgeable of the rules of the road and conscience of their actions at all times. If we do all we can to be safe drivers, these economic and societal harms can and will be avoided and therefore; less costly to human life and our Nation as a whole

May 13, 2014

Online Vision Certification Service Award Given to the Maryland MVA

The StateScoop 50 has given the honor of the Innovation of the Year Award to the Maryland Motor Vehicle Administration (MVA) for their Online Vision Certification Service. The honorees were chosen by its readers and were announced at a reception in Baltimore, Maryland, earlier this month. The StateScoop 50 organization recognizes and awards programs and/or individuals for their achievements and contributions to the state and local government IT community. Therefore, at the reception, the MVA was given the honor for their Online Vision Certification Service.

The Online Vision Certification Service was launched in 2013 with the intention to reduce branch office walk-in traffic and customer wait times. The service allows drivers to easily renew their licenses online. Before this program was implemented, drivers over the age of 40 had to visit their vision provider to complete a paper eye exam form and either mail it in or visit a branch office in order to renew their license, but with this new program, drivers over the age of 40 can take the vision test at a participating eye physicians office and the results are submitted electronically to the MVA, without having to make the driver either mail the test results form in or visit the MVA to renew their license. So drivers over the age of 40 have the ability to renew their license online.

There are over 600 provider locations that participate with this MVA Online Vision Certification Service Program. The list of all providers can be found by searching "vision" at www.maryland.gov or through the MVA's website at www.mva.maryland.gov and clicking on the Online Vision Certification Service link.

Since being implemented, there have been well over 10,000 eye exam results submitted to the MVA. There is no extra cost to the providers to sign up for the service. All one needs is a computer and an internet connection. The program, was however, funded, by NIC Maryland, through the self-funded eGovernment services contract with the State Department of Information Technology (DoIT).

The NIC is the nation's leading provider of official state government portals, online services, and secure payment processing solutions. NIC's eGovernment service serves to help reduce costs and increase efficiencies for government agencies, citizens, and businesses across the United States. NIC provides eGovernment solutions for over 3,500 federal, state and local agencies nationwide.

April 29, 2014

2014 List of Top 10 Vehicles that Cause the Most Property Damage

Insure.com recently released the 2014 list of vehicles that cause the most property damage when involved in automobile accidents. The list is mainly comprised of pickup trucks and SUV's. Vehicles that tend to weigh more than passenger vehicles. The vehicles on the list tend to generate the biggest property damage claims and therefore; carry the heftiest liability insurance bills of the more that 750 2014 model year vehicles analyzed by Insure.com in its annual car insurance comparison study.

The top 10 vehicles considered to carry the biggest liability bills and therefore are likely to cause the most property damage are:
1) Ford F-250
2) GMC Sierra 2500
3) Ford F-350
4) Ram 1500
5) Infiniti QX80
6) Dodge Durango
7) Toyota Tundra
8) Jeep Grand Cherokee
9) Cadillac Escalade
10) Chevrolet Silverado 1500

The property damage liability portion of a persons' automobile insurance policy is generally a reflection of claims made against other owners of the same kind of vehicle. Property damage liability coverage pays when you damage someone else's car or property. Most drivers carry much lower limits on property damage liability than for bodily injury, that way their insurance premiums can be lower/smaller.

Regardless of the vehicle you own, premiums can and do differ from state to state and vehicle to vehicle. The common element however, is that the vehicles that cause the biggest property damage are vehicles with bumpers that do not match up with the bumpers found on sedan, coupes or passenger cars.

It is the height difference in bumpers between vehicles that cause the greatest damage. The federal government sets minimum bumper performance requirements for passenger vehicles, but those regulations do not apply to vans, SUV's or pickup trucks. Hence, SUV's , vans and pickup trucks have bumpers that are anywhere between 20-26 inches higher from the ground then passenger vehicles. Passenger vehicles are usually only 16-20 inches higher than the ground. This means that when trucks and SUV's collide with passenger vehicles, their bumpers can no right past each other, and depending on the force of the impact, can bypass the bumpers and go directly into the body of the vehicle and therefore; cause greater damage. Sometimes, bumpers overlap or even slide off each other, instead of becoming engaged, and therefore the result is extensive vehicle body damage.