Founded in 1949, Peg Perego combines smart European engineering with continental comfort. And the Primo Viaggio Convertible is the epitome of that same simple ethos. Built from the ground up to provide protection both protection and peace of mind, this is one of the best child car seats we have ever tested.
Made in Italy, the Primo Viaggio convertible seat can be used as both a rear-facing and forward-facing seat, accommodating children from 5 to 45 pounds and 22 to 65 pounds in each mode respectively. But this versatility doesn’t come at the cost of Peg Perego’s trademark easy installation.
Our Geeks had no problem rigging up the Primo Viaggio in our test vehicle, taking just a few minutes to achieve a perfect fit in both modes. The straps, which on some seats can be a chore to tighten, are quick to secure, putting this seat leaps and bounds ahead of some of the most popular seats we tested. Positioning the seat is less trial and error and more plug and play.
Despite its size and features, the Primo Viaggio convertible seat weighs just 21 pounds, making it light and easy to carry, which is a bonus if you own more than one vehicle and do not want to fork out thousands to equip each of your cars to transport your kids.
The seat has been rigorously crash tested and meets and sometimes exceeds federal standards. Highlights here include the energy-absorbing foam throughout the seat, which has been shown to reduce crash forces in a collision significantly. Precise side impact protection safeguards your child’s head, neck, and spine and can be adjusted, even when your child is sitting in the seat, to 10 different positions to accommodate your growing little one.
Plus, a contoured steel backplate – a rare feature at this price point – provides added stability and helps reduce forward movement in a crash. Bonus: A top-tether hook can (and should) be properly attached to reduce the risk of the seat tipping over.
The seat cover’s fabric is durable, and during our tests, was resistant to most common stains. Our Geeks were impressed by the seamless design of the cover, which stretches to form a smooth, unbroken surface to cradle your little one.
Bottom line: unparalleled comfort, unexpected luxuries and uncompromising safety make this the best booster car seat under $400.
Millions of people slip and fall in the United States every single year. While most of them are quickly on their feet again, many others are hospitalized with devastating injuries.
The Centers for Disease Control and Prevention (CDC) estimates that 1 in 5 falls results in a serious injury such as broken or fractured bones. Falls are also the leading cause of traumatic brain injuries.
Nearly 20% of all falls result in a severe injury.
If you were hurt in a trip or slip and fall accident, you may have grounds for a premises liability claim. Whether or not your claim has merit depends on whether your fall was caused by another person’s negligence.
Even if another person or company is in fact liable for your damages, there are steps you must take immediately after your fall to give your case the best chance of resulting in a fair settlement. Those steps are:
Report the incident to the owner or manager of the property in writing, and ask for a copy of the report;
Speak to people who witnessed your accident. Record what they saw, and write down their contact details;
Take photos of the scene;
Make detailed notes about how your accident occurred;
Watch what you say – do not downplay your injuries or admit fault;
See a doctor within 48 hours for a medical evaluation, and be sure to mention every part of your body that was injured so it can be properly documented; and
Discuss your case with a slip and fall attorney.
Proving Liability in a Slip and Fall Injury Claim
You may feel that slipping and falling is no one’s fault but your own; however, if your fall was caused by a spilled beverage, a floor that was wet after mopping, a crack in the sidewalk, a concealed hole, a staircase that lacked proper lighting, or another hazard that was caused by someone else’s negligence, you can bring a claim for any damages that you incurred.
For your claim to be successful, you must prove that:
A dangerous condition existed on the property;
The property owner, manager, or staff knew about the dangerous condition or should have known about it; and
They failed to remedy the hazard or to provide adequate warning to other people.
Besides the incident report and photos of the scene, your attorney may also rely on eyewitness testimony and surveillance footage of the accident to prove liability. After demonstrating that the defendant is responsible for your damages, your lawyer will then have to prove the value of your injury-related losses such as medical bills, lost income, reduced earning capacity, pain and suffering, and emotional distress.
Proving liability and the value of your damages can be complicated. You should expect the insurance company and/or defendant to look for reasons to dispute your claim. To avoid a liability or damages dispute, be sure to follow the tips listed in this blog, and do not hesitate to contact a lawyer if you sustained significant damages or if you anticipate a dispute.
If you live in a “no-fault” insurance state, you will need a policy that covers your car accident-related damages no matter who was at fault. Personal Injury Protection (PIP) is a type of no-fault insurance that is required in several states.
Even if you do not live in a no-fault insurance state, getting PIP coverage is still a smart investment. Your insurance provider should give you the option to purchase PIP or a similar policy. Unlike standard liability insurance, which pays for medical bills and property repairs sustained by other people in the event that you cause a crash, PIP will cover a portion of your medical bills and lost income no matter who was liable for the wreck. If you die in an accident, your PIP policy may also cover your funeral expenses. PIP also covers the loss of essential services such as household tasks like childcare and cleaning.
PIP coverage may also be used by certain members of the policyholder’s household. For example, if you cause an accident and your wife has PIP coverage, you might be able to file a claim against her policy.
PIP coverage pays for certain accident-related damages no matter who was at fault.
Can Health Insurance Cover My Medical Bills?
Generally speaking, health insurance can cover your medical bills after a car accident; however, it won’t cover your passengers’ healthcare expenses. Your PIP coverage should cover injuries to your passengers.
What Is Med Pay?
Some states refer to no-fault insurance as “Med Pay” coverage. While similar, Med Pay and PIP differ in a few key ways. For instance, Personal Injury Protection is required in no-fault states while Med Pay is not. Also, Med Pay usually does not cover as much as PIP does. Med Pay typically covers surgeries and medical care right after an accident. Personal Injury Protection covers these plus psychiatric and rehabilitative care.
3 Reasons to Purchase Personal Injury Protection Coverage
Not sure if this type of coverage is necessary? Here are three reasons to consider adding no-fault insurance to your existing coverage:
Your PIP coverage could pay up to 80% of the medical expenses incurred due to your accident, even if you were the driver at fault.
Unlike other types of policies, PIP coverage takes care of your passengers’ medical expenses.
Some PIP policies can even cover your lost wages after an accident.
What Isn’t Covered by Personal Injury Protection?
If you drive a standard car, your medical and auto repair expenses can be covered by your PIP insurance. However, if you drive an unconventional vehicle like a motorcycle, off-road vehicle, or piece of farming equipment, your expenses will not be covered by PIP insurance. Also, Personal Injury Protection will not cover you in the event of a racing-related crash.
If You Live in One of These States, You Must Buy Personal Injury Protection Coverage
If you live and drive in a no-fault state, you are required to purchase PIP coverage. These states include:
If you’ve been shopping for car insurance, you’ve probably come across the term “comprehensive coverage.” This blog explains what comprehensive coverage is and whether it’s worth the investment.
What Is Comprehensive Car Insurance Coverage?
Comprehensive car insurance covers your vehicle repairs after a non-accident event such as:
Your car is stolen;
Your car is vandalized;
A fire or other natural disaster damages your car;
An animal damages your car;
A falling object hits your car; or
A riot or other civil disturbance causes damage to your vehicle.
Comprehensive coverage pays for damage resulting from non-accident related events such as vandalism and inclement weather.
Is Comprehensive Car Insurance Required?
If you’re financing or leasing a car, you will probably need comprehensive coverage. Many banks and car sales companies require proof of comprehensive car insurance before they will provide financing. If you own your car and it’s fully paid off, comprehensive car insurance is an optional expense, but it is certainly worth considering for the added financial security and peace of mind.
4 Circumstances When You Should Buy Comprehensive Car Insurance
Although comprehensive coverage is not mandatory, it is highly recommended in certain situations. You should consider investing in this coverage if:
You live in a dangerous neighborhood where car theft and vandalism are common.
You live in an area that is prone to natural disasters. Comprehensive coverage will offset the cost of repairs due to hail, flooding, and falling branches.
You do not have the savings to replace your car if it’s severely damaged.
Your car is new or worth more than $3,500. If your car isn’t worth much, comprehensive coverage probably isn’t worth the expense. But if you have a new vehicle, comprehensive insurance will provide peace of mind.
At the end of the day, everyone’s situation is unique. Generally speaking, comprehensive coverage is a smart investment if you can afford it and if your vehicle is worth more than $3,500. You should also consider investing in other additional coverage such as:
Personal Injury Protection or Med Pay: These policies will offset the cost of medical bills and lost income if you sustain accident-related injuries no matter who was at fault for your collision.
Uninsured Motorist Coverage: This insurance will help you cover property damage and medical bills if you are involved in a crash with a driver who is uninsured or underinsured.
Extra Liability Coverage: Although your state might only require a certain amount of liability coverage, it’s a good idea to purchase a policy that goes beyond the minimum limits. This will give you peace of mind and could prevent financial turmoil if you cause an accident that results in serious injuries or extensive property damage.
Although this extra coverage will add to your premiums, it’s a small price to pay to safeguard your financial future. If you don’t think you can afford additional coverage, try comparing auto insurance companies. You can also ask your current provider about the available discounts. For more tips on lowering your premiums, read out blog on ways to save on car insurance.
Study: How Much Will My Car Insurance Increase After a DUI?
In 2012, the average driver in the United States paid about $800 per year for car insurance. Those rates have only increased since, and in states like California and Florida, drivers can expect to pay well over $1,000 in annual premiums for minimum liability coverage—and that’s assuming they have a clean driving record. Drivers with a DUI, in particular, can expect their premiums to increase substantially for several years following their conviction.
A DUI conviction can result in a significant increase in car insurance premiums–even if your record is otherwise clean.
To estimate how much car insurance rates increase after a DUI, our team compared insurance premiums for male and female motorists with clean records from all 50 states and Washington, D.C. and drivers with a one recent DUI from all 50 states and Washington, D.C. Our research indicates that a driver with a DUI conviction can expect to pay approximately 42% higher car insurance premiums than a driver with the same profile who has a clean record.
The test driver in our study was 29 years old and drove 12,000 miles per year. Our car insurance liability coverage included $50,000 for injuries to one person, $100,000 for total bodily injuries per accident, and $25,000 for property damage liability. The same limits were included in uninsured motorist coverage. The vehicle in our study was a 2014 Toyota Corolla.
There are dozens of factors that influence car insurance premiums after a DUI including location, the car insurance provider, the driver’s age, and the policyholder’s driving record before the conviction. Although these factors will vary from one driver to the next, one thing is certain: A DUI conviction will most likely translate into higher auto Insurance rates.
Can My Insurance Company Discontinue My Policy After a DUI Conviction?
Probably. In most cases, a car insurance company has the right to discontinue a policy if the policyholder commits certain offenses. Because drunk driving is associated with a much higher risk of car accidents, your insurer might drop you if it believes you are too much of a liability to cover. Alternatively, your insurer might refuse to renew your policy.
Do All Insurance Companies Charge Drivers with a DUI More for Coverage?
Each insurance company takes a different approach to calculating premiums; however, you can expect to pay more for coverage after a DUI conviction no matter which insurance company you use.
If you were recently convicted of a DUI, it’s a good idea to compare car insurance quotes from multiple providers. Some insurers are more lenient than others, and switching to a company that caters to policyholders with your driver profile could save you several thousand dollars over the next few years.
Besides comparing car insurance providers, there are several other steps you can take that may allow you to get your premiums reduced. Contact your insurance provider and ask about discounts. Many insurance companies offer discounts to students, drivers who invest in automotive safety features, and drivers who install telematics to track their driving behavior.
At the end of the day, the best way to get your premiums reduced is to maintain a clean driving record for several consecutive years. Take steps to reduce your likelihood of driving under the influence such as forming a rotating DD schedule with friends, installing a rideshare app and, if necessary, getting treatment for substance abuse.
No Warranty: Although our team has gone to great lengths to make the data on our site as accurate as possible, please note that the information and quotes on our website might not be the same as what you get from an auto insurance carrier. All of our data and services are presented without warranty. None of the information on this website is intended to be used as financial or legal advice.
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