Brad in Missouri
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Serenity Insurance offers a wide variety of services with coverage across 47 states. Here are a few highlights:
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George from California said, “HE WAS VERY APPRECIATIVE OF OUR HELP AND CUSTOMER SERVICE, AND THAT
HE WILL RECOMEND ANYONE TO US.”
Man charged with DWI on lawn mower
Staff Report
Mount Airy police charged a local man Monday night with driving while impaired on a lawn mower.
Roger Allen Beall, 40, of 118 Efland Lane, drew the suspicion of a city policeman while traveling west on East Pine Street N.C. 103 about 8 p.m. Monday on a black Craftsman DYT4000 riding mower.
The mower allegedly was weaving on the right side of the roadway as Beall headed into the city limits, according to a report filed by Officer J.W. Watson. A 24-ounce beer also was observed in the cup holder of the mower, based on the report.
Gary from Washington State said that “Steve in Customer Service has always provided the best service I’ve ever experienced with an insurance company.”
Tim from Seattle said “I’m very happy with the service I received from Serenity and especially my agent, Teresa.”
Gloria in California said, “Steve, I want to thank you for your courtesy and concern in bringing this update information to my attention.”
Christine from Florida sent this to Customer Service:
Remember that your efforts don’t go unnoticed: You and your coworkers are the most pleasant insurance people I’ve ever dealt with, I appreciate you!
Christine
Nicole Richie says she regrets her DUI conviction — and will never forgive herself for driving under the influence of alcohol.
The socialite — who spent just 80 minutes in jail last year after she was caught driving the wrong way down a Los Angeles freeway — can’t escape the thought she could have killed someone.
She explains, “We were watching the news once and they happened to be talking about drunk drivers. They started flashing up pictures of little children that had been killed by people driving under the influence.
“At that moment I literally felt like the worst person in the world for even trying to get out of that situation. That was our first real parent moment.”

The Simple Life star says she will never forgive herself for driving under the influence of alcohol. Nicole Richie — who spent just 80 minutes in jail last year after she was caught driving the wrong way down a Los Angeles freeway — can’t escape the thought she could have killed someone. Nicole has vowed never to get in trouble with the law again as she wants to set a good example for her daughter with Joel Madden, Harlow Winter Kate (5 months).
ARLINGTON,VA —Seventy-two vehicles earn the Insurance Institute for Highway Safety’s TOP SAFETY PICK award for 2009. This is more than double the number of 2008 recipients and more than 3 times the number of 2007 winners. TOP SAFETY PICK recognizes vehicles that do the best job of protecting people in front, side, and rear crashes based on good ratings in Institute tests. Winners also have to have electronic stability control (ESC), which research shows significantly reduces crash risk.
For the first time ever, winners represent every class of vehicle the Institute tests except microcars. Most car, minivan, and SUV models, midsize convertibles, and small and large pickups are eligible. Ford and its subsidiary Volvo have 16 winners, including the Ford F-150 large pickup. Thirteen winners are from Honda and its Acura division. The Honda Fit with optional ESC is the first minicar to earn TOP SAFETY PICK.
Honda, Acura, and Subaru, which picked up 4 awards, are standouts for 2009 because they have at least 1 TOP SAFETY PICK in every vehicle class in which they compete.
“Consumers are the biggest winners,” says Institute president Adrian Lund. “No matter what kind of vehicle buyers may be considering, now they can walk into just about any dealership and find one that affords the best overall protection in serious crashes.”
Front and side impacts are the most common kinds of fatal crashes, killing about three-quarters of the 28,896 passenger vehicle occupants who died in 2007. Rear-end crashes usually aren’t fatal, but they result in a large proportion of crash
Large cars
Acura RL
Audi A6
Cadillac CTS
Ford Taurus
Lincoln MKS
Mercury Sable
Toyota Avalon
Volvo S80
Midsize cars
Acura TL, TSX
Audi A3, A4
BMW 3 series
4-door
Ford Fusion
with optional ESC
Honda Accord
4-door
Mercedes C class
Mercury Milan
with optional ESC
Saab 9-3
Subaru Legacy
Volkswagen Jetta, Passat
Midsize convertibles
Saab 9-3
Volkswagen Eos
Volvo C70
Small cars
Honda Civic
4-door with optional ESC (except Si)
Mitsubishi Lancer
with optional ESC
Scion xB
Subaru Impreza
with optional ESC
Toyota Corolla
with optional ESC
Volkswagen Rabbit
4-door
Minicar
Honda Fit
with optional ESC
Minivans
Honda Odyssey
Hyundai Entourage
Kia Sedona
Large SUVs
Audi Q7
Buick Enclave
Chevrolet Traverse
GMC Acadia
Saturn Outlook
Midsize SUVs
Acura MDX, RDX
BMW X3, X5
Ford Edge, Flex, Taurus X
Honda Pilot
Hyundai Santa Fe, Veracruz
Infiniti EX35
Lincoln MKX
Mercedes M class
Nissan Murano
Saturn VUE
Subaru Tribeca
Toyota FJ Cruiser, Highlander
Volvo XC90
Small SUVs
Ford Escape
Honda CR-V, Element
Mazda Tribute
Mercury Mariner
Mitsubishi Outlander
Nissan Rogue
Subaru Forester
Toyota RAV4
Volkswagen Tiguan
Large pickups
Ford F-150
Honda Ridgeline
Toyota Tundra
Small pickup
Toyota Tacoma
injuries. Neck sprain or strain is the most commonly reported injury in two-thirds of insurance claims for injuries in all kinds of crashes.
Automakers improve protection: TOP SAFETY PICK provides an incentive for manufacturers to offer safer vehicle designs that go far beyond basic federal standards.
“In order to win, automakers have beefed up the side structures of vehicles and added side airbags to do a better job of protecting people in serious side crashes,” Lund says. “They’re rapidly adding ESC to prevent crashes, and they’re designing seats and head restraints that do a better job of protecting against whiplash.”
The changes are evident in the safety equipment that is increasingly standard. For the 2009 model year, 84 percent of passenger cars, 99 percent of SUVs, and 23 percent of pickups have standard side airbags with head protection. The same is true for ESC. It’s standard on 74 percent of passenger cars, 99 percent of SUVs, and 37 percent of pickups.
Crash avoidance is required: The Institute began the TOP SAFETY PICK program in 2006, initially giving out 2 tiers of awards. Gold winners scored good ratings for front, side, and rear crash protection. Silver winners had good ratings in front and side tests and acceptable ratings in rear evaluations.
For 2007, the Institute raised the bar to win ALSO-RANS by requiring good rear impact results and ESC These 26 vehicles earn good ratings in front and side crash tests. They have ESC, as either standard or optional equipment. ESC standard or optional. They would be 2009 helps drivers maintain control of their vehiclesTOP SAFETY PICK winners if their seat/ head restraints also earn good ratings: in the worst situation — loss of control at high Chevrolet Malibu speed — by engaging automatically when it senses Chrysler Sebring, Sebring convertible, vehicle instability and helping to bring a vehicle Town & Country Dodge Avenger, Grand Caravan back in the intended line of travel. ESC lowers Infiniti G35, M35 the risk of a fatal single-vehicle crash by aboutKia Amanti Lexus ES, GS, IS half, and it lowers the risk of a fatal rollover Mazda CX-7, CX-9 crash by as much as 70 percent.Mitsubishi Eclipse Spyder, Endeavor Nissan Altima, Pathfinder, Quest, Xterra Saturn AURA Rear, side performance still lags: Crash tests have driven Smart Fortwo major improvements in the designs of all kindsToyota 4Runner, Camry, Prius, Sienna and sizes of passenger vehicles. The Institute began conducting frontal tests for consumer in formation in 1995. Side tests were added in 2003 and rear tests in 2004. Most vehicles earn good ratings based on the frontal crash test, but significant differences remain among vehicles’ performance in side and rear tests.
Twenty-six models fall short of earning TOP SAFETY PICK because of inadequate head restraint designs. The Smart Fortwo, the only microcar in the US market, missed because of its head restraints. The same goes for Toyota’s hybrid Prius, which performed well in the Institute’s front and side crash tests but came up short for rear crash protection.
Chrysler is the only major automaker lacking a single TOP SAFETY PICK. It could have picked up 5 awards if the head restraints were better in the Dodge Avenger and Chrysler Sebring, the Sebring convertible, and the Dodge Grand Caravan and Chrysler Town & Country.
A 2008 Institute analysis of insurance claims found that, all other factors being the same, drivers of vehicles with seat/head restraint combinations rated good in Institute evaluations were 15 percent less likely to sustain neck injuries in rear-end crashes than drivers of vehicles with poor head restraints.
Eleven vehicles missed the mark because they didn’t earn a good rating for occupant protection in side crashes. Many of these vehicles are smaller cars whose size puts them at a disadvantage in the challenging test compared with larger, heavier vehicles.
“Still, the sheer number of this year’s winners indicates that automakers have made huge strides to improve crash protection to achieve TOP SAFETY PICK designation,” Lund says. “For years Toyota had more also-rans than winners. For 2009 this automaker has come on strong by updating seats and head restraints in the Avalon, Corolla, FJ Cruiser, and RAV4 to earn good ratings. Volkswagen has done the same with the Eos, Jetta, Passat, and Rabbit.”
Winners include 8 large cars, 13 midsize cars, 6 small cars, 1 minicar, 3 midsize convertibles, and 3 minivans. Among SUVs, 19 are midsize, 10 are small, and 5 are large. The 2008 Toyota Tundra was the first large pickup to earn TOP SAFETY PICK. For 2009, the Tundra is joined by the Ford F-150 and the Honda Ridgeline. The Toyota Tacoma is the only small pickup winner.
Each year the Institute offers to test TOP SAFETY PICK candidates early in the model year. The policy is for manufacturers to reimburse the Institute for the cost of vehicles if the tests aren’t part of the group’s regular schedule. TOP SAFETY PICK is presented by vehicle size because size and weight are closely related, and both influence how well occupants will be protected in serious crashes. Larger, heavier vehicles generally afford better protection in crashes than smaller, lighter ones.
“Just because small cars are TOP SAFETY PICKS doesn’t make them as crashworthy as larger vehicles,” Lund says. “Rather, it’s all the more important to choose a small car that rates highly for safety because you give up the protection of size and weight.”
How vehicles are evaluated: The Institute’s frontal crashworthiness evaluations are based on results of 40 mph frontal offset crash tests. Each vehicle’s overall evaluation is based on measurements of intrusion into the occupant compartment, injury measures recorded on a Hybrid III dummy in the driver seat, and analysis of slow-motion film to assess how well the restraint system controlled dummy movement during the test.
Side evaluations are based on performance in a crash test in which the side of a vehicle is struck by a barrier moving at 31 mph. The barrier represents the front end of a pickup or SUV. Ratings reflect injury measures recorded on two instrumented SID-IIs dummies, assessment of head protection countermeasures, and the vehicle’s structural performance during the impact.
Rear crash protection is rated according to a two-step procedure. Starting points for the ratings are measurements of head restraint geometry — the height of a restraint and its horizontal distance behind the back of the head of an average-size man. Seat/ head restraints with good or acceptable geometry are tested dynamically using a dummy that measures forces on the neck. This test simulates a collision in which a stationary vehicle is struck in the rear at 20 mph. Seats without good or acceptable geometry are rated poor overall because they can’t be positioned to protect many people.
For more information go to www.iihs.org