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Car Insurance Quotes Understanding Policies, Conditions and Buzzwords

To get the best value from car insurance quotes, it is important to understand the various terminologies included in your insurance policy. A thorough understanding of these conditions and catchwords will ensure that you are not caught off-guard in the event of a claim. It is important to remember that the point of car insurance is to offer a safety net in times of crises to ensure that you don’t need to dip into your savings account to replace or repair a vehicle.

In order for this safety net to work efficiently, it is important to recognize the various limitations, conditions and terms. Not only will this understanding offer you peace of mind, it will also ensure that you are educated on your insurance company’s various legal and practical procedures.

When it comes to car insurance quotes, most of us can feel a little overwhelmed by the many terms, conditions and buzzwords that appear in our insurance policies.

Few of us understand the jargon of the insurance industry and often find ourselves agreeing to terms that we do not fully understand in the hope of obtaining reliable and efficient vehicle insurance.

I compiled a list of 9 commonly used terms which will arm you with all the necessary information to assist in making a sound decision before singing on the dotted line.

1. Policy Schedule or Coversheet – When it comes to taking out reliable car insurance, you will be required to enter into a contract. This contract can be entered into via telephone, online or, in some cases, in writing, but by law your insurer is obliged to confirm the conclusion of the contract in writing within 30 days. This confirmation is in the form of a policy schedule (Coversheet) summarising all of the specific information of your insurance policy.

2. Claim – You submit/report a Claim to your insurance company when you have suffered a loss or damage to an insured item and you need your insurer to get you back into the same financial position you were in prior to the loss. The merits of your Claim will be validated – and based on the terms and conditions of the policy, the Claim will be accepted or denied (rejected) by the insurance company.

3. Excess – An excess is an agreed amount of money that the policyholder is liable to pay in the event of an insurance claim being settled. For example, if the excess on your car is $300 and the damages amount to $5000 your insurance company will pay the remaining $4700 once you have paid your excess to the repairer. Insurance companies charge an excess to assist clients in managing their risks by not claiming for minor incidents – as well as to ensure that customers do not submit minor or fraudulent claims. If the claimed amount is less than the excess, there would be no claim.

4. Perils – Perils refer to a variety of risks that can cause damage to your car. These include accidental and intentional damage, theft, hijacking, attempted theft or hijacking, fire or explosion, earthquake, storm, hail, flood or snow and glass damage.

5. Premium – A Premium is the amount of money that is paid upfront on an annual or monthly basis to ensure that your vehicle is covered. Your insurance Premium will increase or decrease depending on a variety of factors, referred to as underwriting criteria.

6. Retail Value – Retail Value is the average current selling price (on a dealer’s floor). If you were to insure your vehicle for its Retail Value, it would be insured for the value closest to the replacement cost. Although it is the more expensive option, it has a large number of benefits if anything had to happen to your car. It is also important to remember that the Retail Value of your vehicle decreases on a monthly basis.

7. Market Value – Market Value is the average between the vehicle’s retail and trade value. It is important to note that although you are paying less for your insurance, you are covered for a substantially lower value.

8. Trade Value – When searching for car insurance options, the most attractive deals are those that seem to be the cheapest. If you choose to insure your car for its Trade Value, it would be valued at the average price that a motor dealer will pay you for the vehicle. Trade Value is the lowest value.

9. Specially Agreed Value – This is applied to unlisted, vintage and collectors’ vehicles, caravans and trailers from an authorised source.

To fully understand the details of your car insurance quote, it is best to read through the documentation supplied by your insurance provider and use these definitions for your reference. Not only will this clarify the complexities of car insurance terminology, it will also ensure that you are up-to-date with that which you are covered for and the parameters thereof.


Auto Settlement or Insurance Claim How to Decide

Bet you that the German mastermind and inventor of the first working car, Karl Benz, never imagined the full extent of where his life-transforming brainchild would take those involved in accidents.

While there are various opinions about who actually thought of auto insurance, there is evidence that it was Herbert Stanley Morrison who was responsible for the federal government to require every driver to have an insurance policy that would protect them from associated liability risk exposure.

Despite the obvious great benefits to owning auto insurance, every driver is aware of the pitfalls to filing too many related accident claims: a subsequent peak in coverage rates!

It is for that very reason that many consider settling on a private arrangement between the drivers involved in a collision. If you are the one at fault in an accident and you have a history of insurance claims that name you as the guilty party, it may be wise to opt for this type of settlement. Before making any decision about it, though, it is wise to review a few particulars.

Disclaimer: Prior to agreeing to any form of private settlement, always exchange insurance information so that if you decide to opt out of the plan, you have the necessary info to share with insurance companies.

When a Settlement Makes Sense

If you are the one who caused the accident:

• Make sure to get a mechanic’s honest estimate for the repair. Will the auto repair cost less or a little more than your insurance deductible? If so, it’s sensible to pay out of the pocket for damages.

• Is the other driver a complete stranger? Can you trust him to be honest in regard to true damage and price evaluation? Only agree to a settlement if you understand you are not being ‘taken for a ride’; that damages on the car are the ones your accident caused and that you are not being asked to pay for extraneous fees.

• Make sure no one has been injured. Remember that medical costs can and often do exceed your cost expectations. In addition, if the other party is unscrupulous, he or she can bill you for a phony health problem, adding thousands of unnecessary dollars to your bill.

If you are the victim of the accident:

• Is the at-fault driver someone you know? If he is stranger, you may be taking a risk in trusting him to make payments on your losses.

• If you have been injured, your medical bills could very well exceed any amount the other driver is willing or can afford to pay.

• Establish that you will be the one selecting the mechanic to do repairs. Do not trust any agreement based on the other driver’s offer to do self-fixing or his repair shop preference.

• Refuse any cash deal settlement before getting a thorough evaluation of true damage.

• Refuse any settlement if the at-fault driver does not respond immediately to your attempts to contact him.

Fundamentals of Personal Auto Insurance

Personal auto insurance helps you drive peacefully and protects you from the financial loss in case of an accident. It is an agreement between the insurance company and the insurer who pays the premium for the future losses as per the policy. Personal auto insurance provides property, medical, and liability insurance.

Property coverage pays for the damage or theft of your car, medical covers the costs of treating injuries. While, liability coverage pays for the bodily injury or property damage. The main purpose of the insurance policy covering loss of an accident whether or not caused by you.

Why Do You Need Personal Auto Insurance?

Issuance of personal auto insurance is mandatory in almost every State. If drivers do not have this type of policy they are liable to pay fines. This policy saves you from getting bankrupt and minimizes the risk of losses.

Fundamental Coverage by Personal Auto Insurance

Personal auto insurance mainly covers six basic coverages areas.

1. Bodily Injury Liability

This type of coverage applies when you or the designated driver injures someone else. It is necessary to have enough liability coverage in this case because the severity of the accident may vary. You should consider more than the minimum requirement for this type of insurance.

2. Property Damage Liability

This liability grants coverage for the damage caused to someone else’s property by you or your designated driver. The property can include cars, lamp posts, fences, buildings, billboards, or any structures your car hits.

3. Personal Injury Protection

This type of coverage aids you with the treatment of injuries to the designated drivers or passengers. It covers the medical costs, lost wages and even funeral costs.

4. Collision

This coverage pays for the damages caused to your car with the collision of another car, or any other object. It could also include any potholes or anything on the road. This type of coverage is usually sold with a deductible under the range of $250 – $1000. The premium depends upon the deductible. The higher the deductible, the lower the premium.

5. Uninsured Coverage

This type of liability coverage will compensate you or your designated driver if they get hit by an uninsured or hit-and-run driver.

6. Comprehensive

This type of coverage reimburses you for losses because of theft, damage or anything that is other than collision with a car or object which may include, fire, earthquake, missiles, hail, flood, or animals on road. This is also sold with a deductible. You can keep your deductible high to lower your premium.


How Do I Choose Chauffeur Insurance

To be a good chauffeur you need to present yourself smartly, be courteous, professional and polite. It is also your responsibility to ensure you plan your journeys effectively to make sure you get the clients where they need to be in good time. Working as a chauffeur tends to fall into two categories – working for yourself, building up a client base of private and corporate clients, or driving for a chauffeur company. If you do decide to go it alone, the first thing you’ll need is to buy or lease an appropriate vehicle, but there are some other major considerations too, not least insurance and licensing.

What type of insurance do I need?

To be a professional chauffeur you will need a licence from your local authority and the appropriate vehicle insurance. Chauffeur insurance may also be referred to as executive vehicle insurance or prestige vehicle insurance. It differs from private hire insurance in that as a chauffeur, journeys are pre-booked and cash is not collected from passengers. Also, it is typically large and comfortable prestige cars that are used for chauffeuring, for example Mercedes, BMWs, Rolls-Royce and Bentleys.

Insurance is available at a number of levels – fully comprehensive, third party, fire and theft, and third party only. Which you choose is up to you. But you may also wish to consider extras like public liability insurance, which will give you added cover should anything happen to your passenger or their belongings whilst in your car. Another thing to consider is breakdown cover and courtesy car options to ensure that if the worst does happen, you can get back on the road as soon as possible, meaning you can keep providing a professional service and keep earning.

What about costs?

The cost of your cover will depend on the level you choose and any extras you decide to go with. However, chauffeur insurance is seen as less risky than private or mini-cab hire as chauffeurs don’t carry cash and cars are pre-booked, often by regular clients or just one client. This means that chauffeur insurance tends to be fairly competitive in the field.

It can really help to talk to an experienced insurance professional who can advise on the type of cover that you need and any extras that may be of benefit to you, helping you to make sense of what is required for your particular circumstances.


The Advantages As Well As Disadvantages of Going in for Long Term Insurance Cover for Two Wheelers

Risk cover, even for two wheelers is imperative to safeguard the vehicle and its driver from any unfortunate event like accidents and damage.

But before purchasing a policy for your two-wheeler, make sure that you choose one that suits your needs and requirements. Two wheeler policies also come in different flavours. You could get one that includes personal accident insurance, own damage cover or just plain vanilla third party insurance. However, it is completely up to you to choose the particular terms and benefits of the product.

There is no doubt that purchasing an insurance policy for your two-wheeler will help you to recover any financial losses which might arise due to unfortunate events like accidental damage to property, yourself, any third party or the two-wheeler itself. Now you can easily purchase a long term policy and get bike insurance quotes online.

Since getting bike insurance is mandatory, it is a good option to go for a long term policy. The major benefit of such a plan is that you need not go through the hassle of renewing the policy every year. Also, all the major insurers offer large discounts on long term policies. This is because insurers are able to make significant savings on premium cost, administration costs and follow up for premium, which they can afford to pass on to customers. Owners can get even better premium rates when they buy insurance online. This is because companies do not need to pay commission on policies sold online, and they also pass on this benefit to their customers in the form of discounts.

When taking long term cover, owners can purchase a policy for three to four years based on their needs and requirements, where they need to pay a lump sum premium at the beginning of the policy term. This way, two-wheeler owners do not have to go through the hassles of yearly payments and are saved from the tensions and burden of forgetting the renewal dates of the policy.

You can check the coverage of different two wheeler insurance policies and compare them online. Similarly, don’t forget to consider the tenure of your vehicle insurance plan on the web portals. Try to search for a longer tenure. This is because the longer the tenure; the more are the chances of lower premiums. Additionally, there will be no increase in the amount of premiums during the coverage period. There are many discounts and offers available when you buy insurance online which can give you savings as well as convenience.

What is the flip side of opting for long term insurance? In a case where the premium rate becomes lower in future, the owner is bound up in the higher rate. Also, he does not have the option of changing vendors or policy features frequently.


Ways To Reduce Auto Insurance Premiums

As a prior insurance agent, I was always quick to look for ways to reduce my client’s costs. As I learned more about my field I uncovered a few surprises that you may not have heard about (and your agent may not even know). I recommend that you do your own research by talking with your carrier’s underwriting agent.

First, one that you likely already know about is the potential savings when bundling with property insurance and multiple vehicles. Not only should you research the multi-vehicle discount, but consider bundling in the home insurance too. Most carriers offer both home and auto insurance and will discount the auto premium a few percentage points if you insure both home and auto with them. However; you should consider a few things when making this decision. (1) Make sure that the discount is really an overall cost savings to you. If you can save more by using different carriers then there is no financial advantage to combining. A 5% savings on your auto policy is not a benefit if the carrier is charging 10% more than the competition. (2) If an auto or home insurance agent or carrier’s reputation is not acceptable in your neighbourhood, then the potential for heartache may not justify the savings.

The second way that you might save is based on the usage if you have multiple vehicles insured. Check with your carrier if one or more vehicles stay at home frequently or are a very short commute to work / school. Several carriers offer a discounted rate for vehicles that are driven fewer than 10K miles each year. This is especially true of “pleasure” vehicles which are not used for daily driving.

Our third potential discount applies to motorcycles. Many years ago my “big name” insurance company quoted me an outlandish rate for just liability coverage when I purchased a used motorcycle. Their premium quote was equal to the value of the motorcycle each year. I was shocked and called the company to explain that I was not seeking full coverage, but only liability coverage for this inexpensive motorcycle. I learned that they had not made an error, but they admitted that they quote extreme premiums because they don’t want to insure motorcycles. I sought another insurance carrier and insured the motorcycle for less than 10% of their quote.

Another consideration is the amount of the deductible. It is true that a higher deductible will save some money, but it is a diminishing return. You should consider this carefully based on what amount you can absorb if you must pay this deductible following an accident. With many carriers there is not much savings when increasing the deductible beyond $500.

Last on our list is a hidden gem. Years ago I lived in Houston, TX. Full Coverage auto insurance in large cities definitely costs hundreds more per year in premiums as compared to what I have paid in a small town or rural community. I was reading my policy and stumbled upon the Medical coverage section under full coverage. This particular section contains a clause to cover your personal medical costs – not that of others. It is important to understand that the section referred to does not provide coverage for damage to other’s property or bodily injury (Liability), but covers your own bodily injury in an accident which as provided by Full Coverage insurance. This personal health insurance is only applicable if no one else is liable. (An example would be if you slid on ice and had an accident as a result.) The issue is that this is secondary insurance and not the primary health insurance. If you already have health insurance through your employer or other means; then the secondary insurance provided by your auto policy is untapped unless your primary insurance runs out of coverage money. Even then you must first be aware of this insurance to order to engage the carrier. Most of us do not even know that this coverage is buried in the auto policy we pay. When I discovered this clause I called my underwriter to clarify. What I learned from the underwriter was that I could waive this coverage and reduce my premium by $80 annually. (By the way… the underwriter admitted that she waived this coverage herself.) This must be a personal decision. I urge you to call your underwriter and thoroughly discuss your options and implications before making your decision. If you do not live in a high premium area then the dollar amount of this savings is not as great… perhaps 5% of the premium.

Finally, do yourself a favor and call your carrier even if you are totally happy with your coverage. You will likely find that they can reduce your cost simply because you asked. This is a competitive market and all the carriers want to keep a good customer. To keep you happy they will likely have some promotion or gimmick to offer you that will save you money. One thing is sure… you won’t get any discounts unless you ask.


Classification of Vehicles Insured

Classification of Vehicles InsuredClassification of vehicles insured

The vehicles are generally divided in the following four categories for the purposes of insurance:

(1) Private cars.
(2) Commercial vehicles which refer to any type of mechanically driven vehicle used for business or trade purposes. They may be passenger vehicles, goods vehicles or tractors.
(3) Trade vehicles.
(4) Motor cycles.

Rates are promulgated for each classification, and for rate-making purposes further classification on the basis of the use to which the vehicle is put is made within those classes.

Tariff and Non-Tariff Offices

The insurance companies are of two types. Those which are members of the Motor Tariff Association are called ‘Tariff Offices’ and those which are not the members of the Tariff Association are known as ‘Non-Tariff Offices.’ Most of the companies are tariff offices. The premium rates and policy conditions of all the tariff offices are regulated by the Tariff Association. In Bangladesh there is one Tariff Association for commercial vehicles for the whole country, but for the private cars and motor-cycles there are regional tariffs. The country is divided in seven divisions, Dhaka, Rajshahi, Chittagong, Khulna, Sylhet, Barisal and Rangpur any insurance company lying in a particular division has to become the member of that particular regional Tariff Association. Of course there are no territorial limits and restrictions for the driving of vehicles in any division but the insurance must be affected in a particular division. Similarly a tariff office in a particular region can insure a vehicle in some other region but the premium and the conditions must be governed by the Tariff Association of the region in which the vehicle is.

Types of coverage

Each vehicle policy can be divided into the following three types:

(1) Act Policy

An Act Policy covers all risks for which a policy is necessarily to be taken by the owner of a vehicle under the Motor Vehicles Act. According to this Act, a policy must be taken to cover any liability which may be incurred by the insured in respect of the death of or bodily injury to any person caused by or arising out of the use of the vehicle in a public place. The extent of the amount to which a policy should be taken is also specified in the Act. Again a policy of insurance is also necessary to cover any liability arising under the provisions of the Workmen’s Compensation Act 1923, in respect of the death of or bodily injury to any paid employee engaged in driving or otherwise in attendance on or being carried in a motor vehicle. All these provisions together with the exceptions are printed on the policy itself. It should be seen that insurance is compulsory as to personal injury only and not as to damage to property.

(2) Third Party Policy

This policy covers not only those third party risks for which an insurance policy is legally necessary as explained above but also covers such risks for which the insured may be held liable under various laws, such as Fatal Accidents Act 1855 and common law. Here the policy includes also the damage to property of third parties for which the insured is liable. The insurer undertakes to pay in addition to the compensation, all sums including claimant’s costs and expenses for which the insured becomes legally liable.

(3) Comprehensive Policy

A comprehensive policy covers a wide variety of risks under single coverage. There are some very common risks which alone are covered by this policy and if any other risk is to be covered it can be added to the risks insured after the payment of extra premiums. A comprehensive policy for private cars usually covers the following risks:

(a) Loss of or damage to car. The car including necessary Lamps, Tyre’s, and Accessories thereon is insured against loss or damage by accidental external means, fire, explosion, self-ignition, lightning, frost, burglary, housebreaking, theft, malicious act and in transit by road, rail, inland waterway, lift or elevator.

(b) Removal charges in respect of removal of the car to and from the premises of the nearest repairers for any accident up to a certain limit.

(c) Third party liability, i.e., risks covered in third party policy.

(d) Costs and expenses incurred with the consent of the company.

(e) Repair charges for the car due to accident for which company is liable upto a certain limit.

(f) Medical Expenses up to a certain limit incurred in connection with injuries sustained by the insured or any occupant of the car.

In addition to the above risks, the insured can also secure additional benefits after paying extra premiums. These benefits may be (I) death or bodily injury of the insured alone or together with wife, and of unnamed passengers, (ii) riots and strikes, etc., (iii) loss of rugs, coats or luggage by theft, larceny or, etc.

Policies relating to commercial vehicles are not as comprehensive as those by which private cars are insured. The main difference being the omission of personal accident benefits and the limitation of third party indemnity in respect of damage to property to Tk. 20,000 on any one accident. The policies on motor cycles are issued on similar lines as the cars.

The conditions of different policies are different and must be studied carefully.


What Credit Cards and Auto Rental Insurance Share

Fortunately for travelers who rent cars, most credit card companies offer auto rental insurance as an incentive. So why is it then that about twenty percent of users steadfastly opt to buy extra coverage upon renting a vehicle while another twenty percent intermittently do? According to studies, sixty-two percent of auto renters determine that their personal auto policy do not protect their rental car, and another twenty-four percent are not entirely certain if their credit cards do or not.

Want to know what the major cards cover in terms of auto rentals? A detailed report took stock of the four most utilized credit cards and this is what it came up with.

CC Car Renters Insurance

• Every one of the 4 major cc companies do deliver rental coverage of some sort.

• Every one of the 4 major cc companies provided coverage on condition that the renter charged the full rental car sum on its card and declined any form of supplement insurance that the car rental corporation offered.

• All of these credit card companies have the same policy: they do not provide protection for exotic, pricey or antique automobiles; trucks; open-bed vehicles; and ATV vehicles.

• Four of the cc companies deliver coverage for accidents that occur on dirt/gravel roadways. However, one of the four limits this coverage to cars that are maintained on a regular basis.

• Every one of the four major credit cc companies exclude the rental of vehicles that go above mentioned time parameters, while most insure dependent on country limits.

Given the statistics, how should an auto renter proceed?

• Get in touch with your insurance agency. An experienced independent agency should have no trouble reviewing your standard policy to see if you have the necessary coverage.

• Find out from your cc company if there are any limitations to the auto rental insurance that is provided.

• Be wary of long-term auto rentals. Your coverage may not extend to such a situation.

• Acquaint yourself with the terms of coverage. Although your personal auto plan may cover the rental, it may not be applicable for business travel usage.

• When choosing the type of automobile you wish to rent, opt for one that is of comparable worth to your personal vehicle. This will ensure chances that it will be covered.

• Should your existing plan not cover a certain car you wish to rent, explore the possibility of adding a rider that does include the coverage for.

• In the event you do not own your own car, think about buying non owner auto insurance coverage.


Parking Lot Car Accident and What You Need to Know About Insurance

This article tells you what to do and what not to following a parking lot car accident so that you don’t break the law and can protect your finances.

Did you know that one in every five accidents happens in the parking lots? Although most of them are minor ‘fender bender’ types, many drivers don’t know how to handle the situation. Should I report it to the police? Should I inform my insurer? A number of questions crop up following parking lot accidents. The fact that a parking lot is a private property and a unique set of right-of-way guidelines governs it differentiates it from other types of car accidents. Here are four insurance related issues to consider in case of a parking lot accident.

Insurance Cover

Since parking lots fall under the category of private property, accidents that occur in such spots come under the preview of a special type of insurance policy – the collision insurance. Whether you are at fault or not, this policy keeps you covered in both cases. If you are at fault, your insurer will pay for the damages made by you. If you are not at fault, you may file a claim seeking reimbursement for repairing costs. However, before disbursing payments, your insurer may investigate what had actually happened, and who exactly was at fault. The compensation depends on their findings.

Determination of Fault

There is a set of rules to determine who is at fault when an accident occurs in a parking lot. Some of the rules are universal. For example, if you hit another vehicle from the rear, you are at fault. Several rules apply uniquely to the parking lot scenarios. For example, you are at fault when you overlook a ‘stop’ sign and strike another car from the back, or violate the right of way guidelines for the cars that enter the larger paths from the feeder lanes. In addition, you are also at fault if you hit pedestrians from behind.

Car Insurance Premium

You will have to pay higher premium if your insurance providers find you at fault in a parking lot accident. However, you can bypass this rate hike if your policy includes an accident forgiveness clause and if that is applicable to the particular accident. It’s important to note that legal ramifications of any accident is same regardless of where it took place – in a public place or in a private area. If the accident is the result of driving under influence, you may receive a DUI charge. You may also get demerit points to your license.

Hit-and-Run Accidents

Many accidents can happen even to your parked car. For instance, another driver may hit it or someone may open the car door and slam it against your vehicle, thereby damaging it. If all these happen in your absence, your insurance company is likely to treat it as a hit-and-run case. In such situations, you will get a reimbursement under the collision coverage. However, if you are at fault in the accident, there will be an increase in your premium rate.

In case you are at fault and don’t have a collision-coverage, you will have to bear the expense of repairing the damage. You will have to pay a deductible to cover the expense. Nevertheless, you will have to inform the police about the incident and obtain a report.

Whether it’s a public street or a parking lot, if you are involved in a car accident, never ever get into an argument about who was at fault, and more importantly, never admit your fault. However, by avoiding to park in spots that are too crowded, you can avoid such predicaments.

How to Be Safe With Better Auto Insurance Rates

You are an experienced driver. You pride yourself on your expertise. Then, the inevitable thing occurs while texting on your cell phone: you get into an accident!

It’s a rock solid fact that no one in the auto insurance industry will deny. If you drive recklessly and get into an accident with your car, truck, van, motorcycle or RV, your coverage rates will go up – and that’s across the board with all the companies and carriers.

One of the most widely highlighted auto distractions is talking on your cell phone. But experts cite other sources of distraction that you may not have even considered before. With your life and other lives at stake, nothing – they say – but the road should be your focus. Anything other than the road will put you at a risk, causing you to become dangerously preoccupied.

Mind over Matter

Of course, if your mind is on something other than the matter of driving your vehicle, it is not a good thing. Despite our best efforts, the human mind is limited – able to process but a few things at a time. Thus, trying to do several duties simultaneously is definitely life-threatening.

Sight Distractions

Can you even imagine driving with your eyes shut? It’s a ridiculous notion, correct? When drivers preoccupy themselves with other activities while operating a car, it basically amounts to the same thing. Studies indicate that if you text while driving your vehicle at a speed of fifty-five miles per hour, you become distracted from your activity for about four and a half seconds. The risk makes you approximately twenty-three times more probable to get into a collision.

While texting certainly is the most common example of driver distraction, further instances consist of eating, drinking, changing radio stations, music and GPS gadgets, putting on cosmetics, perusing information and stretching your arm out to grab things. Every single one of such activities radically intensifies your chances to become involved in a crash.

A driver that becomes distracted is so much more likely to get into an auto accident:

• You are nine times more probable to crash when grabbing a moving object
• You are three times more probable to crash while perusing information
• You are two times more probable to crash when he or she eats and drives
• You are three times more probable to crash while applying cosmetics

Drive safe, be safe!

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