Are you someone who is feeling the pain of increased rates on your auto insurance policy? Distracted driving is a cause for many insurance companies to raise their rates across this board. This means that your premium could go up regardless of whether or not you were involved in a loss.
What exactly is distracted driving? You may be surprised to find out that distracted driving is more than just texting or talking on the phone while driving.
Distracted driving is any activity that could divert your attention away from the main task of driving.
Distracted driving is any activity that could divert your attention away from the main task of driving.Believe it or not, drivers spend more than half of their time focused on things other than driving(1). Distracted driving includes the following:
- Dialing or using a smartphone;
- Texting;
- Eating or drinking;
- Talking to passengers;
- Grooming;
- Reading;
- Programming a GPS or navigation system;
- Adjusting a radio or MP3 player.
Our partner, Travelers Insurance, wrote a lengthy article regarding just how dangerous distracted driving is. We are 23 times more likely to be involved in a crash because texting takes our attention away for an average of 4.6 seconds2.
23 times more likely?! That is a statistic that we do not want to see any of our partners fall prey to. So how do you help eliminate the problem of distracted driving?
First, one of the most impactful things that you can do is set a good example. Second, do not allow yourself to talk, text, or eat while you are driving. Put the phone away in a console or purse. Also, eat after your arrive at your destination.
The Murray Group is committed to bringing security to our partners lives. We provide you with valuable tips and advice that you can apply in your daily life. Visit our blog for tons of information on all kinds of insurance.
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Disclaimer: This article is for informational purposely only. There is no legal advice being suggested. The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.
1 AAA Foundation for Traffic Safety, https://www.aaafoundation.org/sites/default/files/DistractedDrivingBrochure.pdf.
2 Driver Distraction in Commercial Vehicle Operations, FMCSA, 2009.