As title insurance can be a difficult concept to understand, we have set out to describe relevant aspects of title insurance, as well as the alternatives to title insurance, in order to help better inform purchasers.
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.
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:
- covered by fog
- hard to see because of blowing snow
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.
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
· 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.”
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.
The highly regarded industry leader will bring unmatched insights to clients
Despite 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.
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.
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.