Car Insurance

NFL Player Knowshon Moreno Will Have Higher Auto Insurance Quotes

Overspeeding and DUI for Knowshon Moreno

Knowshon Moreno, an injured NFL player for the Denver Broncos must be feeling low because of a bad season in his career last year. We don’t know the exact reason but what we know is, Moreno will have higher auto insurance quotes.

Why?

That is because the other day, Moreno was caught drunk driving a Bentley convertible along Interstate 25 in Denver at a speed of 70 mph. But there was a construction going in the area and so the speed limit there now is lowered to 45 mph. And the worst thing is, his licensed plate reads, “SAUCED”. I am pretty sure that did not work well with the highway patrol officers and just spells one thing–DUI. (Read: Sauced = Drunk).

Anyway, it could be remembered that the Denver running back was first rendered ineffective in his team. Then he was benched and was replaced by Willis McGahee. Then, he popularity was shadowed by the football sensation that is Tim Tebow. And the final straw was being taken out of Week 10 because he suffered from a knee injury.

But instead of pulling his life together and improving his game, Moreno, 24, resorted to the comfort that liquor could bring. When he was pulled, the cops gave him a breath test and a field sobriety test.

Moreno was brought to a detox facility and was charged with DUI, failing to have insurance and careless driving. He should really get a Bentley accident insurance on his car because that is a very expensive piece. Moreno will be arraigned on March 2.

Force Majeure Clause in Insurance Coverage

In this photo from the Daily Mail, a car was wrecked when a tree fell down on it.

According to Wikipedia:

Force majeure (French; pronounced: [f?rs ma?œr], approximately fors ma-zhur) or vis major (Latin) “superior force”, also known as cas fortuit (French) or casus fortuitus (Latin) “chance occurrence, unavoidable accident”,[1] is a common clause in contracts that essentially frees both parties from liability or obligation when an extraordinary event or circumstance beyond the control of the parties, such as a war, strike, riot, crime, or an event described by the legal term act of God (such as hurricane, flooding, earthquake, volcanic eruption, etc.), prevents one or both parties from fulfilling their obligations under the contract.

With the many calamities happening around us that are destroying lives and property, people are encouraged to include the clause that covers “force majeure” or “acts of God” in their non-life insurance coverage.

If ever you already have or are planning to buy insurance, ask your agent about this, especially if your area is prone to disasters.

In the photo above, gales or strong winds swept across England and Wales. The highest speed was at 100mph, hitting the Pennines. It caused a lot of disruption, especially during the rush hour. And in this house in East London, a tree was uprooted and fell down on a parked car. A family was trapped inside.

Car Accident and Impalement in Colorado

A couple from Colorado got involved in a car accident when high winds hit the Northern Rockies in Boulder, Colorado on New Year’s Eve. It is not sure whether they had car insurance but the saddest part was that the husband died not because of a car wreck–he died of impalement.

James Baker-Jarvis, 61, was killed when a three-foot-long tree branch flew through the windshield and went right into his chest. But despite that, his wife said that he was still able to steer the car to safety so that his wife would not get hurt.

Baker-Jarvis drove a Subaru Outback and he steered it over to the roadside before losing consciousness. He died in the hospital.

The strong winds in the Northern Rockies, did not only cause the fatal accident but also the shutdowns of highways and power outages.

In this case, it was not bad driving but just bad timing that the elderly couple were on the road when the strong winds blew. Now, as 2012 is ushered in, Mrs. Baker-Jarvis was left a widow.

Our condolences to the family.