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				<title><![CDATA[Insurance Information Network of California - Articles - Auto]]></title>
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					  <title><![CDATA[The 411 On California Cell Phone Laws]]></title>
					  <link>http://www.iinc.org/articles/244/1/The-411-On-California-Cell-Phone-Laws/Page1.html</link>
					  <description><![CDATA[
On July 1, 2008, two new laws impacting the use of cell phones while driving a motor vehicle in California will go into effect.The first law prohibits all drivers from using a hand-held wireless telephone while operating a motor vehicle in California except for adults using a hands-free device.&nbsp;]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Thu, 10 Apr 2008 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Auto Insurance 101]]></title>
					  <link>http://www.iinc.org/articles/15/1/Auto-Insurance-101/Page1.html</link>
					  <description><![CDATA[Auto insurance protects against financial loss if you are involved in a collision. It is a contract between you and the insurance company. The insured agrees to pay the premium, or cost of insurance, in exchange for the insurer&#8217;s agreement to pay for losses defined in the insurance policy. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Thu, 10 Apr 2008 00:00:00 -0700</pubDate>
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					  <title><![CDATA[How To File An Auto Insurance Claim]]></title>
					  <link>http://www.iinc.org/articles/242/1/How-To-File-An-Auto-Insurance-Claim/Page1.html</link>
					  <description><![CDATA[Whether you are involved in an auto accident or your auto is damaged or stolen, your first step in filing a claim is to call your insurance agent or company immediately to report the loss.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 01 Apr 2008 00:00:00 -0700</pubDate>
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					  <title><![CDATA[Nine Ways To Lower Your Auto Insurance Costs]]></title>
					  <link>http://www.iinc.org/articles/14/1/Nine-Ways-To-Lower-Your-Auto-Insurance-Costs/Page1.html</link>
					  <description><![CDATA[You may not realize it, but the insurance rates you pay for your car can vary dramatically depending on the insurance company, agent or broker you choose, the coverage you request and the kind of car you drive. Listed below are a number of things you can do right now to lower your insurance costs. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Sat, 15 Mar 2008 00:00:00 -0700</pubDate>
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					  <title><![CDATA[California's Low Cost Auto Insurance Program]]></title>
					  <link>http://www.iinc.org/articles/13/1/Californias-Low-Cost-Auto-Insurance-Program/Page1.html</link>
					  <description><![CDATA[
In an effort to stem the tide of uninsured drivers in California and offer a low priced insurance policy for the poor, state legislators created the California Low Cost Automobile Insurance Program.The pilot program was launched on July 1, 2000 for San Francisco and Los Angeles county drivers. Since then, the program has expanded into&nbsp;all 58 counties.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Sat, 01 Mar 2008 00:00:00 -0800</pubDate>
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					  <title><![CDATA[How to Shop for a Safe Car]]></title>
					  <link>http://www.iinc.org/articles/12/1/How-to-Shop-for-a-Safe-Car/Page1.html</link>
					  <description><![CDATA[
Car crashes claimed more than 42,000 lives and injured 2,575,000 in 2006, according to the National Highway Transportation Administration (NHTSA). While the best way to minimize the effects of motor vehicle accidents is to prevent them from happening in the first place, the second best way is to drive safer cars.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 15 Feb 2008 00:00:00 -0800</pubDate>
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					  <title><![CDATA[At The Scene Of An Accident]]></title>
					  <link>http://www.iinc.org/articles/10/1/At-The-Scene-Of-An-Accident/Page1.html</link>
					  <description><![CDATA[You follow traffic laws, practice safe driving habits and still the unthinkable happens: You are involved in a traffic collision. What happens next? Some advance preparation and knowing what to do if an accident occurs can help save lives and also make your claims experience a smooth one.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Fri, 01 Feb 2008 00:00:00 -0800</pubDate>
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					  <title><![CDATA[Rental Car Insurance Simplified]]></title>
					  <link>http://www.iinc.org/articles/2/1/Rental-Car-Insurance-Simplified/Page1.html</link>
					  <description><![CDATA[To buy a collision damage waiver or not is sometimes a baffling decision for many travelers at the rental car counter. The collision damage waiver (CDW) covers the cost of damages to the rental car if you are involved in an accident. However, it is not insurance -- it is simply a provision of your rental agreement that addresses your liability for damages to the car. ]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 15 Jan 2008 00:00:00 -0800</pubDate>
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					  <title><![CDATA[The Role Of Speed In Traffic Collisions]]></title>
					  <link>http://www.iinc.org/articles/9/1/The-Role-Of-Speed-In-Traffic-Collisions/Page1.html</link>
					  <description><![CDATA[While drivers of all ages and both sexes speed at one time or another, high-speed drivers tend to be young males. A National Highway Traffic Safety Administration (NHTSA) analysis found that nearly 40 percent of all drivers age 14-19 involved in fatal traffic crashes were in speed-related crashes, but the percentage among drivers age 70 and older decreased to 7 percent. At all ages, male drivers are more likely than female drivers to be involved in speed-related fatal crashes.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Tue, 01 Jan 2008 00:00:00 -0800</pubDate>
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					  <title><![CDATA[Red Light Running & Traffic Cameras]]></title>
					  <link>http://www.iinc.org/articles/7/1/Red-Light-Running--Traffic-Cameras/Page1.html</link>
					  <description><![CDATA[Red light runners killed nearly 6,000 people and injured 1.5 million in the United States between 1992 and 1998. In California, 956 lives were claimed during that same period &#8211; more than any other state. Crashes involving red light runners are often lethal because they almost always involve one car striking another from the side.]]></description>
					  <author>cmiller@iinc.org (IINC Editor)</author>
					  <pubDate>Sat, 15 Dec 2007 00:00:00 -0800</pubDate>
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