PA. Sues JUUL for Targeting PA Youth, Deceiving Consumers About Safety

HARRISBURG―Attorney General Josh Shapiro announced his office is filing a

lawsuit

against JUUL Labs for violating Pennsylvania’s Unfair Trade Practices and Consumer

Protection law and jeopardizing the health of Pennsylvanians, in particular the young people JUUL targeted with their products. Attorney General Shapiro’s lawsuit calls for JUUL to cease sales in Pennsylvania of their products.

Shapiro’s suit alleges JUUL’s actions violated the law by strategically targeting young people with “kid-friendly” flavors, chemically enhancing the amounts of nicotine and its absorption rate in the products, and rushing to market before providing proof of the safety of their product. The complaint also alleges that the company is liable for not disclosing the health risks of JUUL products.

“JUUL knowingly targeted young people with tactics similar to the tobacco companies’ playbook,” said Attorney General Shapiro. “There is no proof these e-cigarettes are safe and until there is, we need to get JUUL products off shelves and out of the hands of young people.”

“JUUL manipulated data to deceive consumers about the nicotine content of its products. First JUUL estimated their products delivered substantially more nicotine than its competitors in a patent, and then doubled back to say the products were comparable to an average cigarette.

“They disregarded their growing audience of young users, taking no action, as their profit margins skyrocketed on the backs of American kids.”

The complaint alleges JUUL “deliberately and cynically” marketed its products to young people in Pennsylvania, as a result, approximately 28 percent of American high school and middle school students are e-cigarette users. The company also led consumers to believe JUUL devices helped people stop smoking, while the engineer behind its flavors stated the company was “not trying to design a cessation product at all.”

The complaint also describes the deceptive marketing tactics employed by JUUL to target Pennsylvania youth, including its “Vaporized Campaign” on social media and in convenience stores. This campaign’s focus on social media attracted the interest of young people, many of whom were under 18 at the time of JUUL’s debut in 2015.

Attorney General Shapiro is asking the Court to, among other things, take JUUL devices out of production altogether. If the Court does not agree, the Attorney General’s office is asking the Court impose restrictions on the way the JUUL product is designed, marketed, and sold, and to require the company to pay for youth-oriented prevention programs, public health research, and nicotine cessation programs to help abate the harms they’ve already caused.

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How to Prevent Dog Attacks on Mail Carriers

PET PEEVES

If your dog bites a postal carrier, it could cost you thousands.

(

NAPSI)—Can you picture a member of your family attacking a mail carrier? Of course you couldn\’t, but it happened 5,714 times last year across the nation.

Dearborn, Mich., letter carrier Tameka

Toliver

recalls being pinned on a porch by a dog that bit her above her knee. \”It happened so fast, even with all my training, I barely had time to react,\”

Toliver

said last year. \”I\’m still scared when I get close to that house because I remember the attack so vividly. It takes a long time to get over the fear.\”

When a dog attacks a letter carrier, the dog owner could be held liable for all medical expenses, repayment of lost work hours, replacement of the uniform and other costs, which can run into thousands of dollars. The Postal Service places the safety of its employees as a top priority and dedicates a week each April to Dog Bite Awareness.

Here are four simple tips to prevent dog bite injuries that should be enforced year-round:

Door Delivery:

If a carrier delivers mail or packages to your front door, place your dog in a separate room and close that door before opening the front door. Some dogs burst through screen doors or plate-glass windows to attack visitors.

Electronic Fencing:

Although the electronic fence may keep your dog from wandering, it does not protect your Postal Service carrier, who must enter your property to deliver the mail. Even homes with curbside mailboxes may have oversized packages or signature-needed items that require the carrier to approach a doorstep and cross the boundaries of the electronic fence.

Dog in Yard:

Make sure your dog is properly restrained on a leash away from where your mail carrier is delivering the mail. Mail delivery service can be interrupted at an address or neighborhood the carrier deems unsafe because of an unrestrained dog. When service is interrupted at an address or neighborhood, all parties involved will have to pick mail up at their local post office.

Tracking:

Dog owners who have access to postal notification features such as Informed Delivery (

informeddelivery.usps.com

) for letter mail and package tracking are urged to use this as a way to gauge when the carrier is on his or her way and to ensure their dog is properly restrained.

Making The Knights of Columbus More Appealing

Written by Peter G. Sánchez/

The Camden Diocese

BRIDGETON, NJ–Don Olbrich is nothing if not persistent.

Wherever he goes, he carries with him Form 100s, which are membership documents for the Knights of Columbus. Which is not surprising, as he is Grand Knight of his council, Liberty Council 1910 out of Bridgeton’s Parish of the Holy Cross.

“I took a Form 100 to my doctor’s office,” he says, but it wasn’t blank.

“I had already filled out his name and phone number, all I needed was his address,” he continues.

And then there was the time he tried to get his son, D.J., to join the council.

“He kept telling me no, so I told some of my brother Knights that if they could get him to sign up, I’d give them $100. It worked,” he says, laughing.

Olbrich’s methods have no doubt rubbed off on his brother Knights. From July 1, 2018, to June 30, 2019, his council gained 40 new members, 800% of their recruitment goal. The effort made Liberty Council 1910 second in the country in recruitment for any Knight’s council.

Today, the 101-year-old council is 113 men strong, in ages ranging from 19 years old to the mid-80s, Olbrich says.

“We set monthly membership goals,” he says in explaining how the council achieved the milestone.

His doggedness and determination speak to his love of the church where he has been a Knight for 10 years.

“It’s all about helping the parish,” he says.

The Liberty Council Knights are a constant presence around the Holy Cross community, be it cooking for the annual fall parish festival, organizing a donation drive of baby wipes and diapers for single mothers and their children, or repainting lines in the church parking lot.

Olbrich was thankful for the leadership and guidance of Holy Cross pastor, Father Matthew Weber, who has shown “tremendous support” for the council.

“The Knights have been a wonderful blessing,” says Father Weber, himself a Fourth Degree Knight.

In addition to “stepping up” to help the parish in whatever needs to be done, such as helping out with maintenance issues or being extra hands at parish events, the Knights of Columbus are “leading men to a deeper relationship with Jesus Christ, and with each other,” he says.

As well, he is pleased that the council reflects the diverse nature of his Bridgeton parish — a bilingual community with a faithful and collaborative mix of Anglo-Saxon and Hispanic members.

“The Knights have been a beautiful bridge” between these communities, he says,

“I’m glad this council has blossomed. These men are pillars of charity, fraternity, unity, and patriotism,” Father Weber said, echoing the Knights of Columbus’ mission.

Following the call from Supreme Director Carl Anderson to make the Knights more appealing, the Bridgeton Knights will hold a public initiation ceremony after the 4:30 p.m. Mass at Saint Mary Church, Rosenhayn on Saturday, Feb. 22, with a spaghetti dinner afterward. All are welcome.

Home

Wolf\’s Plan to use Funds from Horse Racing for Scholarships Upsetting Horse Owners/Supporters

A horse and rider work during practice on the Penn National Race Course racetrack on a foggy morning Nov. 29, 2006, in Grantville, Pa. Carolyn Kaster / AP photo

By Steve Bittenbender |

The Center Square

Pennsylvania Gov. Tom Wolf is feeling some heat from horsemen and their supporters after proposing to divert a significant portion of a fund used to support the state’s racing industry toward a college scholarship program instead.

The governor visited West Chester University on Thursday to promote the Nellie Bly Scholarship Program, an initiative he introduced in his budget proposal last week. The $204 million proposal would provide scholarship funding for students attending any of the 14 state-run colleges, filling the gap between grant funding students receive and the actual cost of tuition.

The scholarship is named after Bly, a Pennsylvania native who could not afford the cost of tuition. She became a famous journalist whose work in the 19th century brought about changes to mental health treatment in the U.S.

Wolf said the goals of the program are to alleviate students from college loan debts and retain the state’s best and brightest workers. If a recipient leaves the state, they must repay the money.

“With less college debt, graduates can buy a car and a home, start a family and save for retirement,” Wolf said. “The program also strengthens our public university system and creates a talented labor force that Pennsylvania needs to thrive.”

The program would be funded from money currently going to the state’s Race Horse Development Trust Fund. That money is generated from slot machine gaming revenue.

According to the Pennsylvania Gaming Control Board, the fund received $240.4 million in 2018, with $152.6 million going to purses for races at the state’s thoroughbred and harness tracks.

Horsemen have attacked the plan since Wolf first announced it, saying the move would devastate the racing industry. Not only would tracks be affected, but breeders and those who raise thoroughbred and standardbred horses in the state.

“Instead of the governor destroying an industry and family farms to create a program that holds our young people hostage by forcing them to stay in Pennsylvania, why doesn’t the governor focus on creating a state that makes students want to stay?” asked Heather Hunter,

according to the Daily

Local

in Chester County.

Hunter, who works at her family’s horse farm, has a son who attends West Chester, the newspaper said.

Some lawmakers have expressed concerns as well, including state Rep. Sue Helm, R-Susquehanna Township. Helm’s district includes the Penn National Race Course near Harrisburg.

“If this account is raided for the furtherment of the governor’s budget priorities, it would essentially bankrupt the industry,” Helm said in a statement earlier this week. “It would mean the end of horseracing in Pennsylvania.”

Still, Wolf’s plan has supporters, and that includes an organization that often criticizes the governor’s policies.

While the Commonwealth Foundation still had several concerns about Wolf’s budget overall, it said the plan to move the funding to support higher education costs was one of the few positives the group saw in the spending plan.

“This is a revenue stream that should be brought into the General Fund, allowing lawmakers to prioritize spending and protect working families from tax increases,” the foundation said in a statement.

republished by Gloucestercitynews.net with permission of

The Center Square

3 Tips for Preventing Common Tree Accidents in Gloucester City

Gloucestercitynews.net (February 17, 2020)–Homeowners in Gloucester City pay an average of $563 for tree planting services,

according to manta.com

. Trees add aesthetics to properties, keep yards fresh, and prevent flooding. However, as trees age and become large, they pose a danger to the surroundings, and if not mitigated, the accidents can be fatal. Tree hazards may result from storm-related or construction damages.

image courtesy of unsplash.com

While there are few reports where a

car crashes into a tree

in the area, when they occur, injuries are often difficult to remedy. If you have trees in your property, it is essential to know the potential risks and how to manage them.

Identify the Risks

Start by observing the trunk to find out if there is decay. You may notice multiple reproductive structures, which indicate that the decay has reached an advanced stage. Dead branch stubs, cracks, butt swell, and large-old wounds are signs the tree is rotting from the inside. Also, inspect the crown and roots.

If there is any damage to the root, the likelihood of failure is high. Understanding the

causes of tree failure

helps you take the necessary steps to prevent branches or the whole tree from falling on houses, vehicles, or people.

Hire Expert Tree Services

According to

Rich\’s Tree Service

, time is of the essence to ensure the safety of people and property when a tree begins to fall or decay. After identifying risks, contact a professional arborist immediately. An arborist will assess the tree’s health or level of damage caused by either disease, construction work, a car collision, or harsh weather. Depending on the extent of damage, tree service providers will recommend

various tree treatment methods

, including pruning and removal. However, you may require emergency services if the tree has fallen, landed on property, or lighting strikes cutting off branches.

Avoid Cutting or Trimming Trees

Cutting down trees involves many dangers, and without professional knowledge, you are likely to experience injuries and severe damages. Arborists are aware of the

risks involved in tree cutting and trimming

and follow strict safety measures to avoid falling and electrocution. They also use the right equipment and prepare before the hazards falling twigs and branches present.

Apart from knowledge and using advanced equipment, professional arborists offer many services. When you hire reliable tree service providers, you don’t have to worry about green waste. Experts know how to dispose of debris from large-scale tree cutting. Plus, they will remove stumps without causing damage to the environment.

Pennsylvania Suing Delta Auto to Get Money Back for Consumers in Repair Scam

HARRISBURG – Attorney General Josh Shapiro announced today that his Office has filed a civil lawsuit against extended automobile warranty company Delta Auto Protect to get money back for consumers and repair shops which fell victim to its car repair scam. Delta is operated by Omega Vehicle Services LLC and its managing member Charles Seruya.

The

lawsuit

alleges the company advertises and sells vehicle service and repair contracts to thousands of consumers in multiple states from a virtual office in Exton, PA, but refuses to honor the contracts it sells and, after accepting payment from consumers, refuses to cover the necessary repairs promised under contract.

“Many customers of Delta Auto Protect of Exton have complained to my Office, and they’re not happy,” AG Shapiro said. “From phone calls to emails and letters, consumers have let us know how unresponsive this defendant has been to them. This rude and illegal treatment of customers is unwarranted. We are listening, and we are taking action to get their money back.”

The Attorney General said he wants restitution for Delta customers who:

Paid for warranties and didn’t get the coverage they were promised,

Paid out-of-pocket costs to repair their vehicles, and

Tried to cancel their policies but didn’t receive refunds.

Shapiro said he is also seeking restitution for repair shops that didn’t get paid.

The lawsuit says Delta advertised “24/7 customer service” to entice sales, but when consumers and the repair shops called about missing payments, the company dodged them, re-routed their calls, left them endlessly “on hold.” They also failed to return messages.

In some instances, Delta placed a condition on payment that required a consumer to remove their negative reviews of the company. Multiple consumer complaints allege the company failed to pay refunds for contract cancellations.

“I’ve been calling this company almost every week for the past year and it has failed to pay for the repairs on my car,” said Carolyn Ames, a customer from Germansville, Lehigh County. “Delta is impossible to reach. If I do get through they hang up and they never return my calls. I’m so glad to know Attorney General Shapiro is standing up for consumers like me and is taking action to get my money back.”

AG Shapiro is urging any consumers who believe they were victimized by the defendants’ business practices to

submit a complaint

with the Office of Attorney General’s Bureau of Consumer Protection, calling the Attorney General’s Consumer Protection Hotline at 1-800-441-2555 or emailing

scams@attorneygeneral.gov

This complaint has been filed in the Philadelphia County Court of Common Pleas by Senior Deputy Attorney General Karen C. McRory-Negrin.

# # #

FBI Authorities Investigating Case of 9-Year-Old Who Disappeared 20 Years Ago

Asha Degree was 9 years old when she disappeared on February 14, 2000. An age-progressed photo shows what she might look today.

Charlotte, North Carolina–It was 20 years ago today that Asha Degree, a shy 9-year-old North Carolina girl, went missing in the middle of the night. The spirited fourth-grader’s disappearance in 2000 shook her rural community of Shelby and remains an enduring mystery, even as police, the FBI, and her family continue to actively search for clues.

“After 20 years, I still believe my daughter is alive,” said Iquilla Degree, who, with her husband Harold, still harbors hope that Asha (pronounced Ay-shuh) might find her way home. “I do not believe she is dead. And I know someone knows something. I’m not crazy enough to think that a 9-year-old can disappear into thin air without somebody knowing something.”

The case remains an open investigation, with a local detective reviewing leads—old and new—and FBI investigators from the Charlotte Field Office consolidating and combing through case files for unexplored patterns or clues. Like Asha’s mother, investigators believe someone in area may hold the key that could unlock the case.

“We strongly believe that there is someone out there that may have a piece of information that will help her,” said Cleveland County Sheriff’s Office Detective Tim Adams, who came out of retirement in 2014 to lead the department’s probe. In 2015, the sheriff’s office teamed up with the FBI and the North Carolina State Bureau of Investigation in a top-to-bottom re-examination of the case, which has since generated more than 350 leads, including 45 in the past year.

“The fact that it was a small child that left on Valentine’s Day really caught everybody’s heart in this community,” Det. Adams said. “She’s been called Shelby’s Sweetheart, because she’s a child that’s one of our own that has gone missing, and we want to find out what happened to her.”

What is known from the earliest hours of the investigation is that Asha disappeared from her bedroom sometime between about 2:30 a.m. on February 14, 2000, when Harold checked on Asha and her older brother, and 6:30 a.m., when Iquilla went in to wake the kids for school. There was no sign of forced entry and no promising scent trail for search dogs to follow. That afternoon, investigators received at least two separate reports from individuals who said they saw a young female walking along Highway 18, in the opposite direction of the Degrees’ home, around 4 a.m. One person said they went back to check on the girl but she had left the roadway and disappeared into the woods.

“That was the last time anyone had a sighting of Asha that had actually been confirmed,” Det. Adams said.

On August 3, 2001, some 30 miles north of the last sighting, construction workers digging an access road for a new home in neighboring Burke County found a book bag that belonged to Asha. Inside was a concert T-shirt featuring boy band New Kids On The Block and a children’s book,

McElligot’s Pool

, by Dr. Seuss. Neither belonged to Asha, though the book was from the library at Asha’s school, Fallston Elementary. Investigators released images of the shirt and book in 2018, hoping to jog the memories of people who may have helpful information.

The 2015 re-investigation also turned up another possible lead: Asha may have been seen getting into a dark green 1970s-model Lincoln Continental Mark IV or Ford Thunderbird with rust around the wheel wells. The FBI publicly announced the potential lead in 2016 and released images of the vehicle models.

“We encourage anybody out there that if they have any information—no matter how small or minor it may seem—it might be extremely crucial to further us getting one step closer to Asha,” said FBI Special Agent Michael Gregory, who is leading the case now for the Bureau. “We will continue to pursue all avenues to find out what circumstances led to her disappearance, and we will continue to pursue this case at all costs.”

Working with the National Center for Missing & Exploited Children, the FBI has released multiple age-progressed photos of Asha, including a new version this month showing what Asha may look like now as a 29-year-old. The FBI is offering a $25,000 reward on top of $20,000 set aside by the Cleveland County Sheriff’s Office and the community. Three years ago, the FBI deployed its Child Abduction Rapid Deployment Team, which spent more than a week on location and generated still more leads and interview prospects.

“Although Asha left her house 20 years ago, we treat it as if it happened yesterday,” said Jeanine Merritt, an FBI intelligence analyst who has worked the case since 2014, bringing reams of 20-year-old paperwork from disparate offices and investigations into a single searchable database. “We’re constantly accepting new leads. We’re constantly sifting through new data.”

There are few clues about why Asha left her house on Valentine’s Day, which is also her parents’ wedding anniversary. If she was upset about her poor performance at a basketball game the Saturday before her disappearance (she fouled out and her team lost by one point), it seemed to have dissipated by the next morning, when the family went together to church and Sunday school. Still, it was a crushing loss for Asha, her mom said, leading Iquilla, Harold, and investigators to wonder if it may have spurred the competitive, intelligent 9-year-old to hatch some unknown plan.

“Apparently, she packed her bag prior to leaving, but the contents—from what we can tell—looked like something a child would pack rather than her parents preparing her for an overnight stay,” Det. Adams said.

For Asha’s family, prayers and hope have sustained them for the last 20 years, but they need answers. Iquilla appealed directly to anyone who may have been involved in her daughter’s fate to come forward and unburden themselves.

“That’s my prayer every night, that God will get into their heart and let them come forward, because it’s got to be a weight on them,” she said.

Iquilla was seated beside Harold, clutching a photo album full of pictures of Asha.

“We’re hoping and we’re praying that she’s had a halfway decent life even though we didn\’t get to raise her,” she said. “She was 9 years old, and she’ll be 30 this year. So we’ve missed everything. But I don’t care. If she walked in the door right now, I wouldn’t care what I missed. All I want to do is see her.”

Resources

ASHA JAQUILLA DEGREE

Investigators Seek Public Assistance in 20-Year Missing Girl Investigation

CNB Medical News: The Winter Blues

(NAPSI)—You may have heard the terms—winter blues, Seasonal Affective Disorder (SAD), Depressive Disorder with a Seasonal Pattern. No matter what you call it, with approximately 17.3 million adults in the U.S. experiencing seasonal depression, according to the National Institute of Mental Health, feeling gloomy this time of year isn’t uncommon—but it can be overcome.

The Problem

Depressive Disorder with a Seasonal Pattern (formerly called SAD) can affect anyone of any age. Whether you’re a student returning to class, a busy working professional who’s always playing catchup, or even newly retired with found time on your hands, the excitement of the holidays is long over and wintry dark days are here. While January and February are the typical peak months for the disorder, symptoms can persist through April, according to Mental Health America.

Doctor’s Advice

When that feeling of sadness persists for several weeks, it’s time to take action, according to Dr. Desreen Dudley, a licensed Clinical Psychologist and Behavioral Health Provider of Therapeutic Services for Teladoc Health. But, she points out, often the toughest thing for many is how to discern whether what they feel is temporary or something more serious.

“If someone has a few days of feeling low, that’s normal and typically nothing to worry about. It’s when the feeling lingers for weeks and people lose interest in daily activities and suffer persistent negative thoughts, that lend a stronger basis for Depressive Disorder with a Seasonal Affective Pattern diagnosis,” she says.

What To Watch For

Other symptoms she warns about are:

•Change in appetite

•Change in sleep pattern

•Decreased energy

•Decreased concentration

•Feelings of worthlessness or guilt

•An inability to think, concentrate, or finish tasks at work or school

•Thinking about suicide, self-harm, or death

Dr. Dudley contends individuals already struggling with depressive disorders are susceptible to SAD patterns. For older Americans, a Vitamin D deficiency can exacerbate low moods. On the other end of the spectrum, she has worked with newly independent college students who find SAD a heavy burden and say their new responsibilities of classes, exams and jobs can compound their depression. For some, not rising as early for classes as they did in high school means sleeping in more and further limiting their exposure to sunlight.

What To Do

In addition to considering therapy, such as virtual care, which is available on your terms and from any location you choose, Dr. Dudley recommends:

•Avoiding or cutting back on alcohol and other addictive substances

•Eating healthfully—more lean proteins, fruits and vegetables, and eliminating sugar

•Daily exercise at least 30 minute a day (walking counts)

•Yoga or meditation

•Learning about and trying light therapy

•Regularly surrounding yourself with those you enjoy being around.

When To Seek Help

According to a recent global study conducted by Ipsos MORI for Teladoc Health, individuals often recognize when they’re struggling, but even so, over a third of the respondents who have had one mental health episode admitted to not seeking professional help. The reason? For many, it’s often the difficulty in finding mental health care.

“Thankfully, virtual care is becoming increasingly available as a source of convenient mental health care,” Dr. Dudley says. “It eliminates the traditional obstacles of in-person visits and has opened up access for anyone with a busy schedule, individuals who may have difficulty getting out of the house and students who may fear the stigma of walking into the campus mental health clinic.”

Learn More

For further information, visit

www.Teladoc.com/therapy

(Video)Why kids who know how to lose get way ahead

Po Bronson

Bestselling author Po Bronson explains why kids who are afraid of losing are at risk of never really succeeding. Po Bronson is the coauthor of the 2009 book

NurtureShock: New Thinking About Children

. The book discusses theories and scientific aspects of parenting.

Hear Bronson’s thoughts on

competition

boy and girl differences

motivation

, and

roughhousing

by:

GreatSchools Staff

Gloucester High School

Gloucester Catholic High School

Brooklawn School District

Tips for keeping your car insurance low

Gloucestercitynews.net (February 17, 2020)–Auto insurance is a tailor-made product, and your policy is very much your own based on factors that are exclusive to you. It is not a fixed cost and could cost you some good money. Still, you can lower it through better bargaining with the insurance company to get better

insurance quotes

only when asked for. Having adequate coverage does a lot of good when you face adverse situations that damage the car or injure others and damage property. The insurance policy protects you financially as the insurance company pays out for the damage when you lodge a claim.

It does not require that you cut down driving, which can help to lower the premium because there are many other

ways to obtain other discounts

which, when added together, considerably lower the premium.

Focus on safe driving

Since insurance rates depend upon the risk assessed by the insurance company, the more you prove that you are a safer driver, the lower would be the insurance rate. On the other hand, if you are accident prone and used to frequent traffic violations, be ready to pay higher insurance. To ensure safe driving, drive at moderate speed, and stay alert and agile so that you have better control over the vehicle and avoid accidents. Maintaining the smallest list of traffic violations is the way to keep insurance costs low.

Buy an insurance friendly car

The car is a major factor that determines the insurance rate, and when you buy a car, check if there are better models from the insurance perspective. The cost of the car and its fancy features are reasons for a higher premium, and it is better to choose a car that is more need-oriented than an object of vanity. The value of the vehicle has a direct relation to the collision coverage, and it is inherent in some car models to attract higher insurance. If you buy a sports car or something that one can interpret to be a sports car, then you must be ready to pay higher insurance as you must for other luxury cars.

Avail behavior-based discounts

Insurance companies reward well-behaved and disciplined drivers with favorable insurance rates by offering discounts. Having a clean driving history underlines the safe driving habits and lowers the risk which the insurance company acknowledges by charging a lower premium. The more control you have on your driving behavior, the better it is because you can claim better rates from insurance companies.

Focus on care safety features

Choose a car that matches your budget and has adequate safety features. Avoid buying a car that might cost less because of fewer safety features because insurance companies rely on better safety features that can minimize vehicle damage after accidents and lower the claim amount. Striking a balance between the cost of the car and its safety features, which must be something more than the minimum, will lead to a lower premium.

If you can reduce the average driven distance in a year, the insurance will be lower.