SGI: Speeding and work zones – Here’s what you need to know

SGI: Speeding and work zones – Here’s what you need to know

Did you know that driving 100km/h past an emergency vehicle with lights flashing results in a $570 ticket and 3 demerits?

Many drivers go over the speed limit or drive too fast for conditions. Driving at an unsafe speed can greatly increase the severity of a crash; the faster your vehicle is moving, the less time you have to react to a potential hazard and for other drivers to react to you.

Higher speeds also increase the risk of a serious injury or death. For example:

  • The chance of being killed in a collision at 80 km/h is 2 times higher than if you were travelling at 64 km/h.
  • When a vehicle crashes at a speed above 80 km/h, the chance of death is more than 50%.
  • In most cases, a pedestrian hit by a vehicle travelling at 40 km/h or less survive, but will die if hit by a vehicle travelling at 60 km/h or more.

Reaction time and stopping

Speeding reduces the amount of time you have to react and your control over the vehicle increasing both the risk and severity of a crash.

The average reaction time — the time it takes to determine that a crash may occur, decide what to do and then do it — is 1.5 seconds. You need to give yourself enough time for a quick response and decisive action.

By reducing your speed, you give yourself more ways to find an alternative course of action and more time to react to avoid a potential collision. Even driving 10 km/h slower can make the difference between a close call and a fatal collision.

Stopping distance

Speeding also significantly increases the stopping distance of a vehicle. As your speed doubles, your stopping distance increases 4 times. If your speed triples, your stopping distance increases 9 times.

Posted speed limit and road conditions

The posted speed limit is the recommended speed for ideal weather conditions.

Reduce your speed if the road is:

  • wet
  • snowy
  • icy
  • covered by fog
  • hard to see because of blowing snow

Work zones

Highway work zones

Work zones are usually clearly marked, with orange signs to show you’re entering a highway construction area and black and white signs showing the reduced speed limit. To keep everyone safe, be patient and follow the direction of the signs in the work zone. For more information about work zones, visit the Ministry of Highways and Infrastructure. If you have questions about the setup of a particular work zone, call 306-244-5535.

Municipal roads and urban work zones

Work zone signs on municipal roads and in urban areas may differ from highway work zones. You’re still required to slow to 60 km/h or the speed that’s posted when you enter the work area and follow the directions of all signs in the zone.

You also must slow to 60 km/h when:

  • approaching a law enforcement vehicle or emergency vehicle when stopped at the side of the road with its lights flashing
  • passing Ministry of Highways and Infrastructure machinery or equipment when stopped at the side of the road with its lights flashing
  • passing a tow or service truck with its amber and/or blue beacon flashing while it’s assisting a vehicle

Fines and charges

For details on speeding fines and charges, visit the Speeding penalties page.

Source: www.sgi.sk.ca

Some countries plan to welcome tourists next month, but your travel insurance may not cover COVID-19

Wondering when Canadians can start travelling again? Here’s what you need to know

Sophia Harris · CBC News

For many Canadians, their most exciting adventure over the past couple of months has been a weekly trip to the grocery store.

But now that provinces are easing COVID-19 restrictions, some people may be contemplating travel abroad.

Here’s what you need to know about travelling outside Canada while COVID-19 still lingers in our lives.

Can I travel now?

Yes, but with a lot of conditions to consider.

On March 13, the federal government issued an advisory against all non-essential international travel, to help stop the spread of the novel coronavirus that causes COVID-19. The advisory remains in effect until further notice.

Despite the advisory, Canadians can still travel abroad. However, they may struggle to find flights and their travel insurance likely won’t cover their medical bills if they fall ill with COVID-19.

International travellers will also have to self-isolate for 14 days upon their return.

The Canada-U.S. border remains closed to tourists crossing by land until June 21. And that date could be extended if the number of COVID-19 cases in the U.S. — now totalling more than 1.6 million — remains a concern.

Where can I go?

Due to closed borders and a fear of flying during the pandemic, airlines have slashed their routes.

WestJet has grounded all transborder and international routes until June 25. Air Transat and Sunwing have stopped flying altogether until June 30 and June 25, respectively.

Air Canada is currently flying at about five per cent of its capacity. On Friday, the airline announced an updated summer schedule that offers flights to 97 destinations including Rome, Athens and locations in the Caribbean.

Once travel restrictions are lifted, airlines will start adding more routes, said Allison Wallace, spokesperson for the travel agency Flight Centre.

But she warns it could take up to two years for carriers to resume normal operations.

“The airlines aren’t going to come back and go to 100 per cent,” she said. “There’s sort of a general agreement that international travel will start to come back around 20 per cent by the fall — like September — and then it’ll grow from there.”

As for possible travel destinations, IcelandMexico and some Caribbean countries such as Aruba and St. Lucia plan to start welcoming back tourists in June. Greece plans to reopen in July.

But travellers may face stiff entry requirements. For example, St. Lucia and Iceland will require that visitors get a COVID-19 test before flying and provide proof upon arrival that they’re virus-free. If travellers to Iceland can’t get a test beforehand, the country plans to test them when they arrive.

Airline analyst and McGill University Prof. Karl Moore is set to fly to Iceland in August to teach for a couple of days at Reykjavík University.

But if he can’t get tested in Canada beforehand, Moore is unsure he’ll take the trip. That’s because, if he tests positive for COVID-19 upon arrival, he’ll have to foot the bill for a 14-day quarantine in a Reykjavik hotel. Travellers suffering from COVID-19 can’t fly back to Canada until they recover.

“It’s going to cost me thousands of dollars to be quarantined,” said Moore. “I love Reykjavik, but I may end up teaching [instead] on Zoom.”

What about travel insurance?

Insurance broker Martin Firestone believes that when Canada lifts its advisory against international travel, travel insurance providers may continue to exclude coverage for COVID-19-related illnesses — until there’s a vaccine.

“A person who ends up on a ventilator in the U.S., it could be hundreds of thousands of dollars, so [insurance providers] are in no position to take that risk,” said Firestone, president of Travel Secure in Toronto.

READ MORE HERE AT CBC News

 

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Measuring Vehicle Speed with Radar

 

RadarDespite the fact that it is older technology, radar is still frequently used by police to measure vehicle speeds today. When used properly, it is an accurate method of determining how fast a vehicle is traveling. The courts also accept qualified radar evidence of speed during a trial as commonplace.

When I was trained to use radar to measure traffic speed it was a one day long course. We were taught the basic theory of operation including an explanation of the Doppler Effect which is the basis for the device. A written test followed to insure we understood what had been taught. Finally, we all went to the side of the road where we were given a chance to make some measurements under the watchful eye of an experienced officer.

I typically started my traffic enforcement shift by testing my radar and recording the results of the test in my notebook. These tests vary a little depending on the manufacturer and type of radar in use, but it usually consists of a power on self test or an internal test initiated by pushing a button, a phase where all indicators and display segments were lit simultaneously to show they were functioning and a tuning fork test.

Tuning forks substituted for the moving vehicle. The fork was struck to make it vibrate and then held in front of the radar antenna. This would produce a specific reading on the radar display.

If and only if all of these tests were passed was the radar considered ready for use. If there was a failure the unit was taken out of service and sent for repair.

During some 28 years of operating traffic radar I can only recall one instance when the radar failed to operate correctly and it was immediately apparent to me.

A typical investigation involving radar to measure vehicle speed begins not with the instrument, but with the officer’s eyes. A visual observation of the target is made and a speed estimation developed. Some officers become quite accurate in making this estimation after years of practice with the instrument.

Following the estimate, a measurement of the vehicle speed is made with the radar. The officer compares the estimate with the measurement to insure that the two reasonably coincide. If they do, the offending driver is stopped and ticketed. If they don’t, further observation and measurement is required.

Should the visual estimate and radar measurement never reasonably compare, a ticket based on the radar evidence cannot be written.

A radar beam is similar to a flashlight beam. It begins relatively narrow but widens as you move away from the antenna. Ideally, only the target vehicle should be in the radar beam at the time of the speed measurement, but this is not always possible. In this case, careful observation and measurement may still result in an accurate measurement and confidence in which vehicle is producing the speed reading.

Radar measurements also suffer from what is known as cosine error. If the vehicle being measured is moving directly toward the antenna, a true speed will be detected. If the vehicle is moving at an angle to the beam, a lower than true speed will be read depending on the cosine of the angle.

The benefit goes to the driver with stationary radar operations.

The cosine error is critical with moving radar as it affects the patrol vehicle speed reading which is used to calculate the violator’s speed from the closing rate of speed. The officer must compare the patrol vehicle speed to the speedometer when making a measurement. If the two are not the same, a higher than true speed will be displayed.

If all of this adds up, the speed investigation is complete and the officer can decide on what, if any, action to take.

The final step in my daily patrol after parking in the detachment lot was to test the radar again and record the results in my notebook.

Cst. Tim Schewe (Ret.) runs DriveSmartBC, a community web site about traffic safety in British Columbia. For 25 years he was an officer with the Royal Canadian Mounted Police, including five years on general duty, 20 in traffic and 10 as a collision analyst responsible for conducting technical investigations of collisions. He retired from policing in 2006 but continues to be active in traffic safety through the DriveSmartBC web site, teaching seminars and contributing content to newspapers and web sites.

www.drivesmartbc.ca

What Cruisers Need to Know About Travel Insurance After COVID-19

ST. PETERSBURG, Fla.May 6, 2020 /PRNewswire/ — Major cruise lines have announced they plan to resume sailings as early as August 1. For travelers planning to book a cruise post-COVID-19, travel insurance comparison site, Squaremouth.com, explains what they need to know about travel insurance.

Coverage for Contracting COVID-19 Still Available

Travelers booking cruises now, or keeping their travel plans, can still purchase a policy for COVID-19 concerns, however, coverage is limited, and varies by provider.

As of May 6, 2020, Squaremouth.com reports five travel insurance providers that offer coverage if a traveler contracts COVID-19 while cruising. These policies include emergency medical and medical evacuation coverage if a traveler contracts the virus while on the cruise and need to receive medical care or be medically evacuated.

As of May 6, 2020, there are four travel insurance providers on Squaremouth.com who include trip cancellation coverage if a traveler contracts coronavirus, or is quarantined, and unable to travel as planned.

Being Denied Boarding Due to Cruise Line Screenings May Be Covered

Previously, cruise lines denied boarding to travelers who had a fever or had recently traveled to a destination considered high-risk for the coronavirus. When cruising returns, it is possible these regulations will continue. If a traveler is not allowed to board their cruise because they have a fever or are sick, they may be covered to cancel their trip if they receive documentation from a doctor. However, if a traveler is denied boarding because of a recent visit to a risky destination cancellation coverage may not be available.

Cancel for Any Reason Is Best Option for Cruisers With Cancellation Concerns

Many of the unprecedented impacts on travel related to COVID-19 are not covered by standard insurance policies, like travel bans and border closures. The best cancellation option during this time of uncertainty around travel is a Cancel for Any Reason policy. This optional upgrade can reimburse travelers 75% of their trip cost and is the only option that allows travelers to cancel their trip for any reason not covered by a standard policy, including travel bans or fear of traveling due to coronavirus.

It is important to note that travelers who purchase Cancel for Any Reason policies must cancel their trips 2-3 days prior to departure in order to be reimbursed, so a last-minute cancellation, such as being denied boarding at the cruise port, would be too late.

TRAVEL INSURANCE INFORMATION FOR COVID-19

The Traveler’s Guide to Travel Insurance for COVID-19 was created to inform travelers about their insurance options during the coronavirus pandemic.

The Coronavirus Pandemic Current Event Center includes answers to frequently asked questions and providers’ position statements. These resources are updated daily as the situation evolves.

ABOUT SQUAREMOUTH

SQUAREMOUTH compares travel insurance policies from every major travel insurance provider in the United States. Using Squaremouth’s comparison engine and third-party customer reviews, travelers can research and compare travel insurance policies side-by-side. More information can be found at www.squaremouth.com.

SOURCE Squaremouth

http://www.squaremouth.com

Document everything, insurance lawyer urges Albertans returning to flooded homes

Document everything, insurance lawyer urges Albertans returning to flooded homes

‘Take lots of photos, don’t take a denial at face value, make notes’

The excerpted article was written by CBC News 

As Northern Alberta residents discover the extent of flooding damage to their homes and businesses, a Fort McMurray lawyer offers a few practical tips that could pay off later in dealings with insurance companies.

Take photos. Make lists. Understand your policy. And don’t give up if your claim is initially denied.

“They’ve just been back to the property for the last day or two and the news is pretty heartbreaking,” said Christine Burton, a Fort McMurray lawyer who has worked through insurance issues with numerous residents in recent years.

“People are dealing with the shock and impact of cleaning up,” Burton told CBC Radio’s Edmonton AM on Tuesday. “We’re telling people, ‘Please, take lots of photos, don’t take a denial at face value, make notes. Stay safe.'”

More than 14,000 people were evacuated as a result of recent river flooding in and around Fort McMurray, as well as along the Peace River.

As people progress from clean-up to rebuild, it is critical that they understand their insurance policies, even if it means hiring a lawyer to work through “subtle” policy language, said Burton.

Most policies won’t include coverage for overland flooding, when water flows over dry land before entering a property through doors or windows.

“It’s often a special endorsement you can buy. It’s very often expensive,” Burton said. The cost depends on the flood risk in the area where you live.

However, property owners whose policy includes a special endorsement for sewer backup may be able to get some money from their insurance companies.

“Take photos of your basements, the drains, the sump pump. Make notes of everything that’s happening, make lists of everything that you’ve lost.

“Fort McMurray has become a little bit of an expert, unfortunately, at insurance claims through fire —  and we’re still dealing with some of those claims,” Burton said. “Don’t take a denial at face value. You can challenge this. Understand your policy.”

Don Scott, mayor of the Regional Municipality of Wood Buffalo, has said he expects residential damages from the flooding in Fort McMurray could top $100 million.

In a statement, the Insurance Bureau of Canada said overland and sewer backup coverage are the key parts of a policy that pertain to flooding events but both of these are optional and must be added to home insurance policies.

Properties in high-flood areas may not be offered the coverage, the statement said.

“If a home has flood damage from this event but did not purchase the optional overland flood insurance or it was not available as the area is high-risk for flood, the policy would not cover the damages,” Celyeste Power, vice-president for the insurance bureau’s western region, said in the statement.

Property owners not covered by insurance may be able to access provincial disaster relief funding. Alberta Premier Jason Kenney has said the provincial disaster relief program will likely be triggered for Wood Buffalo flooding.

Under that program, the government would provide some financial support for recovery costs for critical public infrastructure and non-insured private infrastructure.

Between 2009 and 2019, insurers paid out an average $1.9 billion per year on catastrophic flooding claims, compared with an average $422 million annually in the period from 1983 until 2008, according to Insurance Bureau data.

More than $2 billion in insured losses resulted from the June 2013 flooding event in southern Alberta, which caused $6 billion in damages and displaced 100,000 people.

CBC News

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