Accidents and Safety

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      How to Rein In Rising Auto Insurance Rates

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      Taking a safe driver course can save you 10 percent on the premium, one expert said. Improving your credit score can also help as can getting married.Even as inflation has eased, car insurance rates are rising by double digits. But drivers have some options for reining in premiums.According to the Bureau of Labor Statistics, auto insurance costs were 19.5 percent higher in June than a year earlier. Insurers blame the higher cost of automobiles, parts and repairs, as well as more accidents because of lingering bad driving habits that spread during the depths of the pandemic. They have also cited increased losses from severe weather, including hail storms.Most drivers already know about discounts available for “bundling” auto and homeowner insurance policies with the same carrier or for insuring multiple cars. But other tactics can help as well.Becoming a better driver may help. Just one accident can mean you’re paying an average of 43 percent more than drivers with clean safety records, according to the financial website Bankrate, which analyzed insurance data from Quadrant Information Services. The average annual premium for a driver with full-insurance coverage and a pristine driving history is just over $2,300, the analysis found, while the average for a driver with one at-fault accident is about $3,300.Cultivating safe habits behind the wheel — like setting your phone to “do not disturb” to avoid distraction, and keeping a safe distance from the car in front of you — can help avoid accidents, said Ryan Pietzsch, a driver safety expert with the National Safety Council, a nonprofit focused on reducing preventable injuries and death. He suggested following the “three second” rule: Note the car ahead of you as it passes a fixed object, like a sign along the road. Then, start counting slowly from one to three (say, “one, one thousand; two, one thousand; three, one thousand”). If your car passes the sign before you reach three, you’re too close.Taking a safe driver course may save you 10 percent on your auto premium, said Benjamin Preston, an auto writer at Consumer Reports. Check with your agent to see if it’s an option in your state. Some courses charge a fee.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Who Are the Key Players in the Alec Baldwin Manslaughter Trial?

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      The actor Alec Baldwin was filming the movie “Rust” in New Mexico in 2021 when the gun that he was rehearsing with, which was not supposed to contain live ammunition, went off, firing a bullet that killed the film’s cinematographer, Halyna Hutchins. The film’s armorer, Hannah Gutierrez-Reed, who was responsible for weapons and ammunition on the set, was convicted of involuntary manslaughter and sentenced to 18 months in prison. Now Mr. Baldwin is going on trial for involuntary manslaughter; he has pleaded not guilty. Opening arguments begin on Wednesday. Here are some key players.The ‘Rust’ ProductionAlec BaldwinSeth Wenig/Associated PressActor and producerMr. Baldwin, who was playing a grizzled outlaw in “Rust,” has vehemently denied responsibility in the fatal shooting on Oct. 21, 2021, saying that he was told that the old-fashioned revolver he was handed on the set that day was “cold,” meaning that it was not loaded with live ammunition, and adding that it was unthinkable that any live rounds would be on the set. Mr. Baldwin has also said he did not pull the trigger when the gun discharged, but had merely pulled the hammer back and let it go; prosecutors have said that forensic examinations have suggested that he must have pulled the trigger.Hannah Gutierrez-ReedPool photo by Luis Sanchez, via Saturno/EPA, via ShutterstockArmorerAs the armorer, Ms. Gutierrez-Reed was responsible for weapons and ammunition on the “Rust” set; even though there was not supposed to be any live ammunition on the set, she loaded a live round into the revolver that day and failed to catch it when she checked the weapon. She stood trial this year, and a jury convicted her of involuntary manslaughter. Prosecutors argued that she had brought the live rounds onto the set, which she denied. She was sentenced to 18 months in prison — the same maximum sentence that Mr. Baldwin would face if he is convicted. She is appealing the conviction.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Storm Damages Homes in Washington Suburbs Amid Tornado Warnings

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      A handful of injuries were reported in Gaithersburg, Md., a suburb of the nation’s capital. Baltimore is also under a tornado warning and flood watch.A storm swept through the suburbs of Washington, D.C. on Wednesday evening amid tornado warnings, damaging a few homes in Gaithersburg, Md., and injuring a handful of people, officials said.Officials advised people to take cover in Montgomery County in Maryland after the National Weather Service office in Washington issued a tornado warning and called it a “particularly dangerous situation.”“We believe there were multiple tornadoes,” said Pete Piringer, a spokesman for the Montgomery County Fire and Rescue Service.Tornadoes in the EastLocations of tornado sightings or damage reported by trained spotters. More

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      Billionaire Plans Dive to the Titanic in a Newly Designed Submersible

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      Larry Connor, 74, who made his wealth in real estate, said he’s building a new acrylic-hulled submersible that will be certified and rigorously tested to show that deep sea exploration is safe.A real estate billionaire in Ohio is planning an underwater voyage to the site of the Titanic shipwreck, where a submersible imploded on its approach to the sea floor a year ago, killing all five passengers on board.Shortly after the OceanGate disaster, Larry Connor, 74, a real estate investor and amateur adventurer, contacted the co-founder of Triton Submarines, Patrick Lahey, imploring him to build a submarine that could reach the depths of the Titanic safely and repeatedly, according to The Wall Street Journal.The two men aim to explore and conduct scientific research at the site, located off the coast of Newfoundland, 12,500 feet under the sea, in a two-person submersible that Triton is designing in the summer of 2026.“Ours is just not a trip to the Titanic,” Mr. Connor said in an interview on Tuesday. “It’s a research mission.”“The other purpose is to demonstrate to people around the globe that you can build a revolutionary, first-of-its-kind sub and dive it safely and successfully to great depths,” he added.The custom sub, which Mr. Connor plans to call “The Explorer — Return to the Titanic,” is still in the design phase and will be based on an existing submarine design that Mr. Lahey had worked on for years. It is listed on the Triton website as the Abyssal Explorer, an acrylic-hulled vessel than can reach depths of 13,000 feet, “the perfect submersible for repeated trips to the deep ocean.”We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Deadly Fires Highlight India’s Safety Shortfall

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      Disasters over the weekend that claimed at least 34 lives prompted condolences, arrests and finger-pointing. But systemic change remains elusive, analysts say.Seven newborn babies lost their lives after their New Delhi neonatal clinic was engulfed in flames. What remained of the two-story building on Sunday morning was its burned facade, a charred spiral staircase and oxygen cylinders covered in soot.Hours earlier, in the western Indian city of Rajkot, an amusement park of trampolines and bowling lanes had turned to an inferno. The families of people who had come to enjoy a discounted offer of all-you-can-play to celebrate the start of summer vacation were left trying to identify bodies among the at least 27 dead, many of them children too charred to be recognizable.As after every such deadly episode, political leaders were quick with messages of condolence, announcements of arrests, creations of inquiries — and finger-pointing. But to analysts and experts who had warned for years about India’s abysmal fire preparedness, the back-to-back disasters on Saturday were the latest reminder that systemic change to make the country safer was still missing.Building safety compliance remains abysmal across India, the world’s most populous nation. The fire services have long faced huge gaps in the numbers of stations, personnel and equipment. Government audits after mass-casualty disasters unearth glaring shortcomings, with little follow-up.Though the number has gone down over the past decade, more than 20 fire-related deaths occur every day in India, according to government statistics. Many of the fires — particularly in crowded urban centers — are caused by short circuits, an alarming prospect as India faces an intense period of heat waves that strains electrical wires.R.C. Sharma, a former fire service chief in Delhi, said that one major problem is that fire regulations go unenforced. Another is that fire-response resources have failed to keep up with urbanization that is happening rapidly and often without regard to safety.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Deadly Fire in India Amusement Park

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      Officers said the cause of the fire was still under investigation, but that they planned to charge the owner of the facility with negligence. NEW DELHI — A huge fire broke out Saturday in an amusement park in Gujarat State in western India, killing at least 27 people, some of them children, the police said.The fire erupted at the park in the city of Rajkot. Police Commissioner Raju Bhargava said the blaze was under control and that a rescue operation was underway.Radhika Bharai, a police officer, told the Press Trust of India that the deaths of 27 had been confirmed so far, adding that the charred condition of the bodies made identification difficult. Among the dead were four children under the age of 12.The park is usually packed on weekends, with families with children enjoying the school summer vacation.Footage showed firefighters clearing debris around collapsed tin-roof structures that news media reports said were used for bowling, go-karting and trampoline attractions.The police said they had detained the owner and the manager of the amusement park for questioning as they began an investigation into the fire’s cause.The amusement park is privately owned by Yuvraj Singh Solanki. Mr. Bhargava, the police commissioner, said that a charge of negligence would be filed against him.Prime Minister Narendra Modi wrote on X that he was “extremely distressed by the fire” in Rajkot. “My thoughts are with all those who have lost their loved ones. Prayers for the injured,” he wrote.Fires are common in India, where builders and residents often flout building laws and safety codes. More

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      Un escenario colapsa en mitin de Álvarez Máynez en México

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      El fuerte viento provocó el colapso en el norte del país mientras un aspirante presidencial hacía campaña por una candidata local, según las autoridades. Decenas de personas resultaron heridas.Footage widely shared on social media shows strong winds buffeting the stage as it collapses.Daniel Becerril/ReutersUn escenario en el norte de México, donde un aspirante presidencial estaba haciendo campaña para una candidata local, se derrumbó después de una ráfaga de viento que sopló en la noche del miércoles, dejando al menos nueve personas muertas y al menos otras 60 heridas, dijo un gobernador del estado.El escenario se derrumbó en San Pedro Garza García, un municipio de Monterrey, en el estado de Nuevo León, durante un acto al que asistían el candidato progresista Jorge Álvarez Máynez y otros miembros del partido Movimiento Ciudadano. El derrumbe fue provocado por el fuerte viento, según informó el presidente de México, Andrés Manuel López Obrador, en las redes sociales.El viento se levantó repentinamente cuando los candidatos estaban cantando eslóganes de campaña en el escenario, según muestran los videos publicados en las redes sociales. Cuando la iluminación del escenario se estrelló contra el suelo, la gente se precipitó fuera del escenario para evitar ser aplastada. Otros entre la multitud huyeron gritando, algunos sujetándose unos a otros por el intenso viento. More

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      Tornado Destroys Homes, Kills at Least One in Kansas

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      A powerful tornado ripped through a community in northeastern Kansas on Tuesday afternoon, destroying dozens of homes and structures and killing at least one person, officials said.A powerful tornado shredded homes and killed at least one person in a small Kansas town on Tuesday, as severe weather threatened millions of people across the region.The tornado hit Westmoreland, a community of about 700, roughly 100 miles west of Kansas City, at about 4:40 p.m., Pottawatomie County officials said.The storm left at least one person dead, destroyed at least 22 homes and damaged another 13, according to Vivienne Leyva, a public information officer for nearby Riley County. Additionally, four commercial buildings were destroyed and another was damaged, Ms. Leyva said.Westmoreland was the only community struck by the tornado, she added. The destruction came amid a night of severe weather across the Central United States. More than four million people were under a severe thunderstorm or tornado watch Tuesday night, according to the National Weather Service. More