What Is Distracted Driving?

Distracted Driving

What Is Distracted Driving?
Any activities which can result from getting the full attention of an individual from driving is considered as distracted driving. Driving while checking the phone to read or send messages, ingesting foods and drinks, having a conversation with people inside the car, or maneuvering the radio or the navigation system in the car can be directly categorized as distracted driving. By doing such while driving, the driver is putting him/herself to an unsafe driving – leading mostly to a vehicular accident.
According to National Highway Traffic Safety Administration (NHTSA), of all the distracting activity the most alarming is sending or reading messages. This is because it combines all three types of distraction. The eyes are said to be off the road for about 5 seconds when someone is texting. It can be estimated as if having a drive with a mileage of a whole football field with your eyes closed at 55 mph.
Be mindful that whenever someone is driving without his/ her attention, the potential risk of being involved in vehicular crash or accident is very high.
According to Centers for Disease Control and Prevention (CDC), there are approximately 9 people killed and more than 1,000 injured in crashes that are reported to involve a distracted driver each day in the United States.
Statistically based from NHTSA and CDC (2005), there are 3,477 people who were killed, and 391,000 were injured in motor vehicle crashes due to distracted drivers.
Also, there are approximately 660,000 drivers who were caught using cell phones while driving during day time. This can estimate the potential deaths and injuries on U.S. roads. And from this data, it is found out that teens contribute the greater percentage of being reported as distracted drivers at the time of fatal crashes.
To get to know more about these data on distracted driving and other risky driving behaviors, please see https://www.nhtsa.gov/sites/nhtsa.dot.gov/files/documents/driver_electronic_device_use_in_2015_0.pdf
What are the types of distraction?

The types of distraction can be divided mainly into three categories:
1. Visual: It involves any activities which cause the eyes of the driver off the road such as reading text messages.
2. Manual: It involves any activities which require the driver to take their hands off the wheel such texting and navigating their monitor system.
3. Cognitive: This involves taking the driver’s mind off of driving such as having a talk with someone in their vehicle.

Protect Yourself on the Road

Besides knowing the rules and regulations regarding distracting driving to avoid car accidents, it is important that you should be financially ready for any future problems you may encounter on the road.
Having known about the unfortunate cases of a car accident resulting in massive property damages and requiring “hundreds of thousands of dollars” for repairs of damages, it is of great importance to have proper insurance counsel and protection. This will allow you to have the adequate financial aid to cover all the damages due to this unexpected vehicular crashes.
This is better realize to realize that insurance is meant for the extreme financial burdens that result from rare, catastrophic events like the vehicular accidents due to distracted driving.

1. National Highway Traffic Safety Administration. (n.a.). Distracted Driving. Retrieved from https://www.nhtsa.gov/risky-driving/distracted-driving last September 14, 2017.
2. Centers for Disease Control and Prevention. (2017). Distracted Driving. Retrieved from https://www.cdc.gov/motorvehiclesafety/distracted_driving/index.html last September 14, 2017.

Teen dies in accident while texting

Teen dies in accident while texting.

Teen dies in accident while texting

How many accidents like this is it going to take before texting and driving becomes illegal.

It should be treated no different than driving on a suspended license or driving under the influence of drugs or alcohol.

Insurance rates would be raised for drivers who are ticketed for texting and driving.

It is just as easy as enforcing seat belt laws.

It is very easy to see drivers who are texting.

The decision should be made at the state level and not the Department of Highway Safety and Motor Vehicles

Texting while driving legalities

Texting while driving is illegal in some form or another in many cities, states and counties.

Many more to follow and probably someday will be similar to wearing a seat belt, it will be illegal everywhere.

It is very dangerous.

Even were it is legal you risk causing an accident were you are hurt or killed or someone else is.

You will be held liable for this.

It is the same if you were speeding or driving intoxicated.

It is not worth the risk.

Pull over for a minute and send your text or email.

People who drive and text are usually going too slow, weaving and not looking at the road.

You have seen them and you know you do this if you text and drive.

When it becomes illegal, the insurance companies will begin to charge you more if you are ticketed, especially if you are ticketed for causing an accident.

Go ahead and start now and get used to it, put down the smartphone while driving.

Same goes for surfing the web or checking emails.

Can you imagine how stupid you will feel for the rest of your life if you are crippled or seriously hurt because you had to check a text message, email or surf the web while driving or if you caused a friend to do so.

Or how selfish it would be if you cripple or kill someone else and how bad it will be for you when you are found liable.

Be responsible and do what you can to keep your insurance costs down.

Putting down the smartphone is one good way for you to be responsible and to save in the long run.

Distracted driving is negligent driving.

Distracted driving has always been a problem.

In recent years it has received much more attention because of the dangerous habit of texting and driving or cell phone use.

Many people are not even capable of walking and texting without getting run over, let alone driving and texting.

Distracted driving is negligent driving.

Especially driving and texting, your eyes are not on the road or other vehicles when texting.

It is extremely dangerous and in some cases even more dangerous than driving under the influence of drugs or alcohol.

If you are found negligent in causing an accident from distracted driving in which someone is killed or injured, you can be help criminally responsible.

Distracted driving is anything that takes away from the driver’s attention such as putting on make up, cell phone use, texting, eating, etc.

Most drivers that are distracted do not obey traffic laws such as using their turn signal to change lanes or when turning.

They do not pay attention to speed, by driving too slow or fast and endanger drivers around them.

If you receive a moving violation ticket it will raise your auto insurance premium.

Many states and cities are banning cell phone and texting when driving.

If you are ticketed for this, it could raise your insurance as well.

If you are involved in an at-fault accident it will definitely raise the price you pay for your car insurance and could require you to purchase coverage through a company that specializes in high risk auto insurance.

Pay attention and put down the cell phone or anything else that distracts you from safe driving.

It only takes a minute to pull over safely to use your cell phone. Click here for more information.


DUI and DWI explained.

Driving under the influence or DUI is driving while the driver is intoxicated by alcohol or drugs.

In some states it is known as DWI, driving while intoxicated.

DUI and DWI are criminal offenses in all states.

DWI and DUI laws vary from state to state.

All states have a maximum blood alcohol content (BAC) level to operate a vehicle legally.

DUI and DWI fines are high and penalties are harsh.

The penalties for driving under the influence or driving while intoxicated will depend on whether you have been convicted of a DUI or DWI or similar charge before.

Your driver license will be suspended.

With a suspended driver license and a DUI or DWI on your driving record you will considered a high risk driver.

It will greatly affect how much you pay for car insurance.

And it will be mandatory for you to attend DUI classes.

Find more information on your official state dmv websites.

Licensed agent

Difference between a named driver and permissive use policy?

What is the difference between a named driver and permissive use policy?

A named driver policy is an auto insurance policy that covers the named driver only, for this reason a named driver policy is going to be cheaper.

Find more auto insurance coverage information.

A typical auto policy is permissive use and requires all drivers in the household to be added, excluded or provide proof the have other coverage.

On a permissive use policy, drivers outside the household who have permission to use the vehicle and only drive the vehicle occasionally would be covered under a the auto policy in event of a claim.

If the company offers safety responsibility filings they will file on both types of auto policies.

Licensed agent

What is a named driver exclusion?

A named driver exclusion is an endorsement form that excludes a driver from being covered under the auto policy.

Drivers are excluded for a variety of reason that include young drivers or drivers with bad driving records.

When excluded drivers are driving a vehicle and are involved in an at fault accident, the claim will be denied.

All Household members, licensed or not need to be added to or excluded from your auto policy.

Excluding high risk drivers like a teenage driver or a spouse with tickets or accidents can lower your premium.

In a claim an excluded driver is never covered, however they can be added to the policy by endorsement at anytime depending on their driving record.

It may or may not increase the premium.

If a person will be driving the vehicle they should never be excluded.


Teen convicted of motor vehicle homicide.

Massachusetts teen convicted of motor vehicle homicide.

Texting and driving is as dangerous as drinking and driving.

When he gets out of prison his license will be suspended for 15 years.

Drivers convicted of crimes like vehicular homicide are required to file fr44 certificates.

FR44 certificate filings require drivers to carry double the insurance as a typical SR filing for DUI, DWI or tickets that result in a driver license suspension.

It seems it wont be long before SR filings will be required for drivers ticketed for texting and driving.