-Higher rates for younger drivers

Drivers under the age of 25 are more at risk when it comes to having trouble acquiring affordable insurance. In New York, for example, drivers under the age of 19 pay a rate that is over 100% higher than drivers in the age range of 60 to 74.

However, there are ways to get a better insurance rate such as driving less expensive, non-sporty cars or cars with smaller engines. Younger drivers’ rates will also see a decline after putting about three years of driving experience under their belt. Another option, depending on the insurer, is to take a defensive driving course, which will sometimes result in a lowered rate.

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For the last four years the majority of physicians and surgeons practicing in Oregon have seen a decline in medical professional liability insurance rates and this year is no different. With malpractice cases in the state declining steadily, Oregon’s two top medical liability insurers are reporting encouraging news for the local medical community.

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Three years ago, at Los Angeles’ Cedar-Sinai Medical Center actor Dennis Quaid’s newborn twins fought for their lives for two days after receiving an accidental overdose of the blood-thinning drug heparin. Though Quaid’s children have since recovered and are reportedly healthy, the actor has taken to shining a spotlight on the issues of patient safety and medical errors.

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Many people drive for a living. People injured on driving jobs in Oregon have a right to file a workers compensation claim. The claim, in theory, will pay for all medical care and a portion of their lost wages. Retraining and a disability award can also happen depending on the case facts. What is not covered is any compensation for pain and suffering, permanent loss of their health or disruption the injury created in their life.

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