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	Proposal Form for Motor Insurance
	Do you need Motor Insurance? Download the above form and fill it out on your computer, you can save a copy for your records. When you are finished click the Email form button to submit to COLFIRE.

	Motor Theft Claim Form
	Do you wish to make a Motor Theft Claim Download the above form and fill it out on your computer, you can save a copy for your records. When you are finished click the Email form button to submit your claim COLFIRE.

	Motor Accident Claim Form
	Do you wish to make a Motor Accident Claim Download the above form and fill it out on your computer, you can save a copy for your records. When you are finished click the Email form button to submit your claim COLFIRE.

Safety and Me

The National Safety Council's 3 Step DDC Collision Prevention Formula

The National Safety Council suggests a simple formula that can help you prevent vehicle collisions.

Recognize the hazard

	Scan the road ahead.
	One block in urban areas.
	To the next curve, hill or overpass in rural areas or on expressways.
	Check your mirrors, inside and out, every three to five seconds.
	Keep your attention focused on driving.

Understanding the defense

	Know what to do.
	Use the "what-if" strategy to help keep your attention focused on driving.

Act correctly, in time

	Do the right thing - before the situation gets out of control.
	Avoid the hazard in time to prevent the collision.

Collision Prevention A Very Big Problem Be the Expert Just the Facts Zero Tolerance Mental Conditions

Using the DDC Collision Prevention Formula To Take Control

In this course we've learned a formula for preventing collisions. This formula also works when you want to maintain control in situations where you could lose it. This is how it works.

1.	Recognize the hazard.
	What is causing you to lose control? · What are the consequences of losing control?

2.	Understand the defense.
	You are responsible for your own behavior. · Choose a defense that gives you a desirable outcome. · Make your own decisions; do not let other drivers control your behavior.

3.	Act correctly, in time.
	Adjust your behavior - before the situation gets out of control.

A Very Big Problem - Drugs & possible effects on the driver

At any time in the United States, 1 driver out of every to on the road is not just impaired but illegally intoxicated. On Weekend nights that number is closer to 1 driver out of 10.

Drug & possible effects on the driver

	Drug	Possible effects on the driver
Depressants	Alcohol	Slower reaction time
	Barbiturates	Reduced alertness
	Tranquilizers	Impaired Coordination
		Depressed motor skills

Narcotics	Heroin/opium	Visual impairment
	Morphine	Loss of concentration
	Methadone	Slowed reaction time
		Impaired motor skills
		Slower reaction time

Hallucinogens	LSD	Visual distortion
	Mescaline	Aggressive, violent behavior
	PCP	Time/distance distortion
		Impaired short-term memory
		Slower reaction time

Cannabis	Marijuana	Slower reaction time
	Hashish	Reduced concentration
		Visual impairment
		Distorted visual and depth perception

Just the Facts

Impaired driving is driving while under the influence of alcohol or other drugs. It is estimated that two out of every five Americans will be involved in an alcohol-related crash at some time in their lives. Statistics are not available for other drug-related fatalities, but studies do indicate that marijuana and other drugs affect judgment and coordination.

In recent years, as a result of federal, state and community efforts, and the increased public awareness fostered by such organizations as the National Safety Council, MADD and SADD, alcohol-related collisions have declined. The fatalities and injuries caused by drug-impaired driving are still dangerously high, however. Alcohol is involved in nearly 50 percent of all traffic fatalities, and 1.2 million people are injured in alcohol-related crashes every year.

Impaired driving affects everyone. Even if you don't drink or never drink and drive, you pay the cost of other's doing so. Therefore, it is your responsibility to yourself and those you care about to take control and take the keys from an impaired driver.

As they say: Friends Don't Let Friends Drink and Drive!

Zero Tolerance and the Law

All 50 states and the District of Columbia have laws that prohibit the purchase and possession of alcoholic beverages by those under 21 years of age, yet every year more that 60,000 drivers aged between 15 and 20 are killed in alcohol-related collisions. These drivers are underage for the legal consumption of alcohol but of an age to drive legally - a deadly combination.

Zero-tolerance laws are designed to prevent alcohol consumption by drivers under the age of 21. In other words, they are laws to prevent needless death and injury. Zero-tolerance laws provide that any amount of alcohol in the body of a driver under age 21, generally 0.02 (the illegal BAC level in most states for drivers 21 and older is between 0.08 and 0.10), is an offense for which the driver's license may be suspended for a period of time or revoked.

Mental Conditions That Affect Driving Ability

Anger.
Psychologists tell us that anger is a "secondary emotion." In other words, it grows out of some other emotion that is working on us - such as disappointment, pride or suspicion. Once we identify the primary emotion, it is easier to control the secondary emotion.

Stress.
Another mental condition dangerous to our driving safety and that of those around us is stress. Sure, modern life and obligations are stressed, but smart drivers remember that a collision or traffic violation is only going to compound their stress.