Sleeping Behind The Wheel

Sleeping behind the wheelWith many accidents occurring on Missouri roads, majorly due to intoxicated drivers by either drugs or alcohol. Remember that accidents occur even when the driver is under the influence of sleep. As per the survey conducted, one in five fatal accidents involve a drowsy driver. Many organizations are promoting awareness to avoid such incidents. Accidents occurring due to drowsy driving had 12% of drivers being hospitalized and 8% where a vehicle was towed. Survey also found that the rate of drowsy driving accidents involved more of men than women. Specially the younger drivers below the age of 24 than any other age group.


Before getting behind the wheels, realize if you are feeling drowsy. You may feel too sleepy if you find very difficult to keep your heavy eyes open while driving. You will be struggling to drive on one lane or drifting over rumble strips on highway. It is surely confirm that you are drowsy when you cannot remember the few miles driven. Before getting behind the wheels, you as a driver need to ensure few things in order to avoid accidents.

If you are feeling drowsy, immediately pull over to freshen up and then start. Before any road trip make sure you hadenough sleep, say minimum of 7 hours specially if it is a long journey. Drinking hot beverages such as coffee or tea helps some drivers to keep them active. Ensure not to travel alone, if you find to feel drowsy and let the other passenger be alert. Do take a break for every 2 hours or 100 miles when on long way. Try not to drive much during night times or when you are feeling asleep. Remember, a claim free and violation free driver will always qualify for discounts and thus a lower premium rate.

Reading Your Policy Made Easy

Reading your Policy made EasyMuch before signing contract with any insurance company, you need to thoroughly know what the policy includes. Without knowing it’s sections and the purpose of it, you will not make the best use of your policy. There are typically six main sections in almost all insurance policies.

  • Declaration Page: This being the first page of your policy, generally has all the required information such as insurer name, address, contact number, a description on policy, cost of policy and dollar amount of coverages included under the policy.
  • Definitions: Certain terms used in insurance will not be familiar to insured. In order to define the terms used and deliver the benefit of it by explaining what it means in detail is done on this page. A complete understanding of your policy and its coverages.
  • Coverages: The liability and property being covered to a limit under defined coverages.
  • Exclusions: Every policy will have its own limits. What is not covered under your policy will be clearly specified and laid out exclusively in the exclusion section.
  • Conditions: Insurance policy is a contract signed between you and the insurance company. It lists out the terms and conditions under your policy. It also details your duties at the time of loss. It explains the claim process and information on how settlement works.
  • Endorsements: This is an important section of your policy. It includes every amendment made on your policy be it to remove, add, or change the standardized coverage. With endorsements, you meet those special needs and requirements to be included in your policy. An insurance company can make use of endorsements to limit coverages.