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Minnesota Trucking Related Fatalities: Lowest in 10 Years

Continuing a downward trend, cars and trucks collided less often in Minnesota during the past year than any year in the last decade.

According to statistics reported in the latest edition of Minnesota Motor Vehicle Crash Facts, published by the Minnesota Department of Public Safety, the number of truck-related fatalities has trended downward from 94 in 1999 to 58 in 2009 showing a 38.2% decrease.

This is the lowest number in 10 years.

The safety report for the last year shows the trend continues with a 26.5% decrease of fatal crashes from 2008 to 2009. "Preventing crashes is the number one priority of every professional truck driver," said John Hausladen, president of the Minnesota Trucking Association. "This data is welcome news and a real encouragement to our on-going safety efforts. Most people don't realize that the safest drivers on the road are truck drivers." The Minnesota Trucking Association (MTA) has advanced a number of safety initiatives in recent years, including the recent "Keep Both Hands on the Wheel" safety campaign encouraging drivers to put down the cell phones and focus on driving. The MTA has been a key partner in the state's Towards Zero Deaths initiative and actively lobbied to pass the state's primary seatbelt law in 2009. In the past, the organization has also called for a national maximum 65 mile per hour speed limit for all vehicles.

Complete report from the Minnesota Office of Traffic Safety here!

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UMBRELLA POLICY
Coverage for losses above the limit of an underlying policy or policies such as homeowners and auto insurance. While it applies to losses over the dollar amount in the underlying policies, terms of coverage are sometimes broader than those of underlying policies.
UNBUNDLED CONTRACTS
A form of annuity contract that gives purchasers the freedom to choose among certain optional features in their contract.
UNDERINSURANCE
The result of the policyholder's failure to buy sufficient insurance. An underinsured policyholder may only receive part of the cost of replacing or repairing damaged items covered in the policy.
UNDERWRITING
Examining, accepting, or rejecting insurance risks and classifying the ones that are accepted, in order to charge appropriate premiums for them.
UNDERWRITING INCOME
The insurer's profit on the insurance sale after all expenses and losses have been paid. When premiums aren't sufficient to cover claims and expenses, the result is an underwriting loss. Underwriting losses are typically offset by investment income.
UNEARNED PREMIUM
The portion of a premium already received by the insurer under which protection has not yet been provided. The entire premium is not earned until the policy period expires, even though premiums are typically paid in advance.
UNINSURABLE RISK
Risks for which it is difficult for someone to get insurance. (See Insurable risk)
UNINSURED MOTORISTS COVERAGE
Portion of an auto insurance policy that protects a policyholder from uninsured and hit-and-run drivers.
UNIVERSAL LIFE INSURANCE
A flexible premium policy that combines protection against premature death with a type of savings vehicle, known as a cash value account, that typically earns a money market rate of interest. Death benefits can be changed during the life of the policy within limits, generally subject to a medical examination. Once funds accumulate in the cash value account, the premium can be paid at any time but the policy will lapse if there isn't enough money to cover annual mortality charges and administrative costs.
UTILIZATION REVIEW
See Medical utilization review
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