Auto Lighting
Relevant Background: "If you flash your brights at me because my lights are off, we could both get a ticket: Well, at least technically. It's illegal to drive with lights off at night. And it's illegal to flash brights at other drivers, even if they're driving around with their daytime running lights on.
But, "if somebody is trying to warn another driver, we wouldn't give them a ticket," said Calgary Police Staff-Sgt. Paul Stacey.
But, if Transport Canada goes ahead with new plans requiring dashboards on new cars to stay dark when headlights are off, the dark ages may soon be over.
Getting blinded by high beams isn't just a Canadian problem – in China, drivers are resorting to disturbing rear window stickers that are only visible when lit by bright headlights...." (The nine Canadian driving laws and myths that surprised us the most in 2016 - The Globe and Mail)
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Relevant Background: "Canada’s province laws state that it is illegal to drive with just one functioning headlight. If caught, you may receive a warning or a fine, depending on the circumstance. As an example of how seriously this is taken, The Ministry of Transportation of Ontario (MTO) can issue tickets as high as $325 per offence...." (Link)
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Relevant Background: "First let’s discuss the required lights. All motor vehicles are required to have a minimum of two and a maximum of four white or amber lights to the front and a minimum of one red light to the rear. Of course most motor vehicles are manufactured with at least two red lights to the rear, and this is why it is not an offence to have one of the rear running lights out. It is, however, an offence to have one of the headlights out, since both are required. Motorcycles require only one white or amber light to the front and one red to the rear. It is an offence for them to be missing either. Further to this, headlights must be capable of operating in both a high and low beam capacity. A specific licence plate light (white only) is also required to illuminate the rear licence plate " (Motor Vehicle Lighting Laws in Ontario, Canada (ontarioticket.com))
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Relevant Stats: "The study evaluated 44,000 single-vehicle crashes that happened at night. All 187 vehicles studied were equipped with IIHS-rated headlight systems. When controlling for factors unrelated to visibility, headlights with good ratings reduced crashes by 19% compared to those with poor ratings. Vehicles with headlights rated acceptable or marginal reduced crash rates by 15% and 10%, respectively. The results are even more pronounced for crashes involving driver injuries and pedestrians. Good-rated headlights reduced accidents resulting in driver injury by 29%, and pedestrian crashes by 23%, compared to poor-rated headlights..." (Good Headlights Reduce Crashes by 19%, Says IIHS Study | Cars.com)
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Relevant stats: "Visibility distance is reduced by fog and heavy precipitation, as well as wind-blown snow, dust and smoke. Low visibility conditions cause increased speed variance, which increases crash risk. Each year, over 38,700 vehicle crashes occur in fog. Over 600 people are killed and more than 16,300 people are injured in these crashes annually..." (Low Visibility - FHWA Road Weather Management (dot.gov))
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Relevant Stats: "Considering all the factors in play, it’s no surprise parking lot accidents happen. Statistics show they are more common than most realize - about 1 in 5 accidents happen in parking lots. Almost all of them are avoidable. While most parking lot accidents are minor and involve low speed impact, they can still result in serious damage and injury. They can also have a big impact on your car insurance. This is a reason why many go unreported and parking lot hit and runs are common... " (Parking Lot Accidents In Ontario | Rules And Who's At-fault (thinkinsure.ca))
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Relevant Background: "According to recent studies, approximately two million accidents per year are caused by the failure to signal compared to just under a million for distracted driving behaviors....About half of these accidents happen when drivers fail to signal that they are about to change lanes. Another 10 percent of those who do signal, do not use it properly, so their efforts are mostly useless....In a national survey where as many as 57 percent of drivers admitted to never using their turn signal, the reasons they gave as to why are surprising. Nearly half of these drivers said they thought it took too much time. The remaining drivers gave a variety of answers, including that they were too lazy, it was not that important, they changed lanes too often to bother or said it added excitement to their ride.." (Liability for a Car Crash if No Turn Signal Was Used (rizklaw.com))
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Relevant Stats: "The New York Times reported in 2019 that, in the previous year, 542 collisions in New York State involved signalling violations. A 2006 study by American car insurer Response Insurance found that 57 per cent of drivers admitted to not using their signals. The reasons? Pretty much what you’d expect.
- “Don’t have enough time” (Number one with 42 per cent)
- “Lazy” (Second with 23 per cent)
- “Changing lanes too frequently to bother”
- “Not important”
- “Because other drivers don’t”
- “Adds excitement to driving.” (My personal favourite)" (Why do so many drivers have trouble with using their turn signals? - The Globe and Mail)
Relevant Insurance Coverage:
a) Auto Insurance: Collision, Comprehensive, Upset, Liability, Uninsured Auto
b) Travel & Health Coverage
c) Personal property Coverage
d) Auto Insurance: OPCF 38 - Agreed limit for automobile Electronic Accessories and Equipment
e) Business liability Coverage like that of a Taxi driver, Uber driver, Travel & Tours, Rideshare driver
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