The IIHS's mission is to reduce losses - deaths, injuries and property damage – due to crashes

The Insurance Institute for Highway Safety (IIHS) has been a leader in finding out what works and doesn't work to prevent crashes in the first place and reduce injuries in the crashes that still occur for over 30 years. The IIHS is an independent and non-profit organization as well as a scientific and educational organization wholly supported by insurance companies in US dedicated to the mission of reducing the losses - deaths, injuries and property damage - from crashes on the US national highways. In it's official website  IIHS is based on :

Insurance Institute for Highway Safety
1005 N. Glebe Road, Suite 800
Arlington, VA 22201 USA
tel 703/247-1500
fax 703/247-1588.

The Vehicle Research Center (VRC) was opened in 1992. This center, which includes a state-of-the-art crash test facility, is the focus of most of the Institute's vehicle-related research. The Institute's affiliate organization, The Highway Loss Data Institute gathers, processes, and publishes data on the ways in which insurance losses vary among different kinds of vehicles. The Institute's research focuses on counter-measures aimed at 3 factors (human, vehicular and environmental) and on interventions that can occur before, during, and after crashes to reduce losses.

The Highway Loss Data Institute (HLDI) carry out the IIHS's mission to reduce losses - deaths, injuries and property damage – due to collisions on the US highways. HLDI share and support the mission through the study of data that represent the human and economic losses as a consequence of ownership and operation of various types of vehicles. The HLDI is a non-profit public service organization that closely associated with and funded through the IIHS which is totally supported by auto insurers. 

Highway Loss Data Institute
1005 N. Glebe Road, Suite 700
Arlington, VA 22201 USA
tel 703/247-1600
fax 703/247-1595

The HLDI shares and supports the mission through the study of insurance data that represent the human and economic losses as a consequence of ownership and operation of various types of vehicles. The HLDI also publishes data reports on the ways losses vary among different kinds of vehicles and analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars. 

I suppose that's useful if both are adopted in Indonesia. The mission is to reduce losses  — deaths, injuries, and property damage — from crashes. Certainly carrying out of the mission is very good for insurance industry. In the long run  IIHS and HLDI will be able to reduce claim losses. Eventually the insurers will be able to provide service better.

For general inquiries, see http://www.iihs.org/

Insurance benefits : Making Financial Recovery is Possible

I think we totally agree if someone say that Insurance makes economic recovery possible for victims of earthquake catasthrope in Chili, New Zealand and Japan. Economic recovery will be more fast if the risks are coverage with insurance. It’s so much better than not having anything at all. The above statement is all right.

The catastrophic earthquake in Japan, Mart 2011, made the insurance industry swallow loss more than US $ 35 billion. The catastrophic earthquake in New Zealand make insurance claims approximately NZ dollar 11 billion in February 2011.  The catastrophic earthquake that struck central Chile in April 2011 is estimated to have caused billions of dollars in insured and economic losses. Insured losses are being estimated between U.S. $2 billion to $8 billion and total economic losses may cost between U.S. $15 billion to $30 billion.

If it wasn’t for the highly developed insurance market in Chile, economic recovery would be much more difficult. In addition to a number of its own insurers, Chile also has many large international insurers and reinsurers (mainly American and European) that will provide the financial resources necessary for Chile’s reconstruction, according to the Insurance Information Institute (III).

That makes Chile’s situation much different from Haiti’s, which was struck by a devastating earthquake on January 12. Haiti has almost no private insurance market.

According to III, direct premiums written in Chile in 2008 totaled roughly U.S. $5.8 billion. Of that, nonlife (i.e. coverage on homes, businesses and vehicles) insurance premiums accounted for U.S. $2.3 billion and life premiums U.S. $3.5 billion. By contrast, in Haiti, estimated total nonlife premium income written in 2008 was $19 million. Makes you wonder how different recovery would be for Haiti if it had a stronger insurance market.

Unfortunately, the benefits of insurance are often seen only after a disaster strikes. While no amount of money can ever make up for loss of life, insurance makes it possible for survivors to rebuild their lives. I often hear people complain about paying for insurance – saying it’s a waste of money. But it’s situations like these that remind us why insurance exists. Insurance business really give more benefits for insurance industry - insurance companies - and insurance policyholders each other. Insurance business makes economic recovery more faster and financial business more lively. Insurance services is rational needs for anticipating any catasthrope, disaster and accident.

We suggest you to buy any insurance according to your requires and how much money do you have for buying insurance.   

Dramatic Tsunami Has Terrified Japanese's Mind **

In February 2011 large earthquake occured in Southern Pacific. insurance industry had to pay claim (especially for property insurance, earthquake insurance and fire insurance or home insurance) of New Zealand earthquake NZ $ 11 billion. In Mart 2011 large earthquake repeat again in Northern Pacific. Insurance industry back to bear huge losses and had to pay earthquake insurance, property insurance and fire insurance claims in Japan.

The earthquake soon followed tsunami and great fire. Temporary calculation claim to end of March 2011 reached US $ 35 Billion and life insurance claims reached US $ 4.5 Billion. Losses do not include the effects of leaking nuclear reactors due to earthquake in Fukushima.

Japan has been very frequently hit by earthquakes like Kanto earthquake, 1923, which killed 123,000 people. Tsunami (overflow of sea as the impact of large earthquakes with the epicenter below sea-ground) has also been hit coastal towns in Japan 1957. Earthquake in March 11, 2011 leaved a sorrow story, the coastal cities in northern Japan has swept away by tsunami as high as 10 meters.

It will be dangerous accident. Is Chernobyl nuclear disaster in Ukraine (USSR) April 26 1989 will repeat again? But there are signs that the insurance industry will not pay claims due to nuclear crisis.

Now some cities was smashed due to earthquake, tsunami and big fire. In the beach cities houses and building have not only collapsed, even drift by waves, leaving  ruins and strewn garbage after the tsunami.

See the dramatic Tsunami in Northern Japan.

Dramatic sorrow moment when Tsunami wave smashed a coastal town in Northern Japan

We have seen a lot of footage of the tragic Japan tsunami, but this clip is the most horrifying yet. Entitled “South Sanriku — Tsunami seen from Shizugawa High School,” it’s shot from high ground, but toward the end of the video you can see panicked residents running for their lives.

Almost as dramatic as the video is its audio track, where even if you don’t speak Japanese, you can tell the people are expressing concern at the beginning, but by the end, their voices have reached a high level of panic and horror as they watch their homes washing away.

Shortly after the tsunami, one survivor called the oncoming deluge “a gigantic pile of garbage coming down the street.” That’s an apt description, as you can see an entire town reduced to a huge pile of watery debris in a matter of minutes. Shocking.

Human nature is not powerless to face fury of natural disasters, how much effort to anticipate when it comes, they will be utterly unable to avoid. Eventually people will just be a game 'Acts of God' And that's if you believe in the existence of God who created the entire universe.

If you do not believe in God, the Lord of all of our, or maybe you are agnostic, communism, pagan and / or do not believe that life after death, then you do not have to think about it. Do not worry, because your life will still run.

New Era in Virtual Media : Will Contribute in Insurance Industry?

The convergence of TV and Internet is here and creating an innovative service in virtual media. Of course the smart advertisers should take notice and make a strategic adaptation. Every innovation of technology creates more easier way to make higher comfortable life. Remember! you also require insurance service to keep comfortable life after a calamity due to accidents or catastrophe like fire, flood, earthquake etc. Buy home insurance or fire insurance or property insurance and burglary insurance so that you still can has this product if fire destroy your house or be victim of crimes.  

Here is new generation of TV and or internet connection. The advanced innovation technology has combined 2 media and made be Internet Connected TVs. With the growth of on-demand video, Internet-connected applications on TVs, and a plethora of new devices that make online connections easier, a growing percentage of consumers are watching online content on their TVs, and the trend shows no sign of slowing.

Basically, more higher quality of our life with more sophisticated completeness became us more dependent on technology. The dependency and fear of missing the comforts of life would create a need of insurance services increasingly.

In facts, history of insurance industry continue to increase rapidly as more advanced teknonogi and human civilization. Types of insurance services are increasingly diverse and objects of insurance add even more and more, The growth of sum insured [SI] and insurance premium grew significantly.

Quoted from Yahoo Advertising, published: January 2011 | By Yahoo! - In order to better understand consumer usage of Internet connected TV devices and gauge consumers’ attitudes around advertising on Yahoo!’s Connected TV product, Yahoo! partnered with Ipsos OTX MediaCT to survey 1,902 broadband/DSL. In addition to questions about general Internet connected TV interest and behavior, respondents were also shown a one-minute video demo of the Yahoo! Connected TV product to measure their perceptions.

What are the key findings?

1. THE TUBE EVOLVES AGAIN.

   1 in 3 broadband households are using Internet connected TV at least once a week or more, and 3 in 5 have online connected TVs. Households are no longer exclusively viewing TV on their TV sets. They are also streaming Internet content such as music and video clips.

2. BUILT-IN WIDGETS AND GAME CONSOLES WILL DRIVE THIS TREND.

   Game consoles and built in Internet- TV applications will drive Internet connectivity with 32% showing interest for each. Users are more interested in accessing the Internet through their TV, rather than relying on an extra box such as a dvd player or cable box.

3. ON-DEMAND VIDEO, WEATHER, GAMING AND MUSIC STRONG CONTENT PLAYERS.

   Currently full-length TV or movie programming (68%), weather (65%) and gaming (64%) are the most common types of content accessed via Internet-connected TV. Interestingly, weather and video games are accessed more frequently on a weekly basis. Consumers are very interested in accessing music on their TVs, reporting 44% interest in the next 12 months, second only to TV/movies.

4. HOOK THEM WITH THE TV SHOW.

   53% desire special content around the TV shows they watch and 28% want to include their friends via social media when watching. Content around TV shows will spur the growth of these applications, especially among women.

5. INTEREST IN ADVERTISING IS HIGH.

   Advertising is also a key driver of usage as about 2 in 5 are interested in content relevant to commercials they see, provided it’s interesting. Half of respondents reported they are likely to interact with an ad on Yahoo! Connected TV and this increases even more for Internet TV users (63%) and among those interested in Yahoo! Connected TV (70%). See chart 1. Advertising should also be relevant when searching for certain info (45%), and be related to products featured in the program (42%) and commercials (41%).

Property Insurance in US **

Fire Insurance as a forerunner of the insurance industry. Property insurance has a long history, over 200 years of history in America. The early fire marks of Benjamin Franklin's time can still be seen on some Philadelphia buildings as well as in other older American cities. Subscribers paid fire fighting companies in advance for fire protection and in exchange would receive a fire mark to attach to their building. The payments for the fire marks supported the fire fighting companies. Volunteer fire departments were also common in the US, and some fire insurers contributed money to these departments and awarded bonuses to the first fire engine arriving at the scene of a fire.

Really You Require Car Insurance! ***

Car insurance is so important

You should buy car insurance? Driving car in metropolitan, like Jakarta, Paris and New York without car insurance or auto insurance is extremely high-risk. The risk is collided with another vehicle or a single accident due to human factors, machine or road conditions while driving. Accidents may involve third party - person or object that was hit and or lawsuits that followed.

New Zealand Insurance Industry lost 11.5 billion dollars *

Premium of earthquake insurance is known so expensive, in Indonesia its rate about 0,125 % of Sum Insured (SI).  Why? in case of major earthquake would cause massive damage and a very large value insurance claims.  History records a series of large earthquake occurrence in the Asia Pacific. Like the San Francisco earthquake, 1906, the Kanto earthquake in Japan, 1923, chile earthquake in 1960. This was The Largest earthquake ever instrumentally Recorded. It measured a 9.5 on the Moment Magnitude (Mw). The epicenter of the earthquake (the point on the earth's surface directly above the focus of an earthquake) was 60 meters down below the ocean floor about 100 miles off the coast of Chile out in the Pacific.

Earthquake San Fransisco 1906

Alarm Systems Can Reduce Home Insurance And Burglary Insurance Premium **

However You Need Home Insurance

Buy fire insurance or home insurance and burglary insurance now! Increasing number of cases of theft, burglary and robbery in big cities cause people to do various prevention efforts such as the use of CCTV, alarm systems, maintaining guard dogs and even fortify houses with high fences and closed. However, cases of theft accompanied by violence still occur, causing considerable financial losses. So for now in spite of attempts to protect themselves and their property, they also need home insurance and burglary insurance to guarrantee the risks.