The Facts on Cell Phone Auto Accident Dangers

Now more than ever, people are relying on their cell phones and smart phone devices for everything. Not only can you talk on the phone, you can text, play games and even use them as GPS devices so you do not get lost. Unfortunately, even though they are useful for so many things, they can be dangerous when you use them improperly. For instance, when you are driving, it is horribly dangerous to use your cell phone. Learn more about the dangers of using your cell phone while you are driving, and why you should make certain you do not engage in this risky behavior.

First, the facts (as reported by Nationwide auto insurance):

  • The top issue that causes driver inattention is operating a mobile device.
  • Drivers who use their cell phones in the car are more likely by up to four times to cause an injury-causing accident.
  • Drivers that operate a car while distracted are cited as a problem around one fourth of crashes.
  • Operating a car while using a mobile phone will reduce the brain activity involved in driving by over one third.

Once you understand these facts, it makes it clear that driving while you use a cell phone or smartphone is not a wise decision. In fact, many states have enacted laws that make texting, checking email and other particular activities illegal.

If you need to use your phone while you are driving, it is recommended that you pull over and take care of business, so that you do not risk your own life and those of others. This is important even when you are trying to do something like using a GPS device through a smart phone.

There are some ways that you can more safely operate your phone while driving. The use of a Bluetooth device will allow you to talk on the phone during your commute without using your hands. These hands-free devices are a great way to have more productivity during your drives without risking your safety.

As you can see, driving while using a phone is not a wise decision. Make sure you spend some time learning the laws in your particular area so that you do not risk breaking the law or your own safety. Make a pledge to not use the phone while you are driving, and you are making a real difference in the world.

Insurance 101: Home Inventory will Help You Know What You Own

If you are considering updating your home insurance policy, you need to make sure you know how much coverage you need for all of your personal belongings. Often, people forget to update their policy when they buy new things or get rid of old items. Making sure you have the protection you need when a disaster strikes will ensure you can get back on your feet quickly.

Taking a home inventory is the first step to identifying how much insurance coverage you need for your home. One of the easiest ways to do this is to go through each room of your home and write down all of the items that would need to be replaced if there was a flood, fire or other natural disaster. Some people even choose to take pictures or a video with their cell phone. This is a great idea if you want to make sure you can prove that you actually know what you own and the condition of the items before you make a claim. Remember to include collectibles and expensive jewelry when you are making your home inventory. Your home insurance is there to help you when you need it, but sometimes the stress of the situation will make it difficult to remember all of your items.

Before searching online for home insurance quotes, make sure you make a list of your home inventory and store it in a safe location. You may even want to give a copy of the list and pictures or video to a friend or family member. Next, you can calculate the value of your items and decide how much home insurance you need. You want to get life back to normal as quickly as possible after a disaster, so make sure your home protection is ready when you need it.

Why More States Cracking Down on Cell Phone use While Driving

Cell phone use is at an all-time high in the U.S., with an estimate 91 percent of all Americans using a cellular device. Although cell phones have certainly made communication easier, they have proven to be distractions to motorists on the roads. In fact, cell phones have become such a problem, that several states are cracking down on cell phone use while driving — limiting use, or even banning it altogether.

Reasons Why More States are Implementing Cell Phone Laws

Nearly one in five accidents are caused by distractions, and according to researchers at the University of Utah, drivers are equally as impaired as drunk drivers when using a handheld device. Unfortunately, many of those drivers are responsible for roadway accidents that cause traffic fatalities. More than 3,000 people are killed every year in the U.S. due to distracted drivers. State by state, more and more laws are being passed to prevent these deaths from occurring.

All types of cell phone use are proven to be distracting, although some types are worse than others. Texting while driving for example, is by far the most dangerous, increasing the chances of collision 23 times. Similarly, talking while holding a cellular device is worse than using a hands-free device, although both are considered dangerous.

Laws by State

Cell phone laws are different in every state. As of July 2012, there are still no states that implement a complete ban on cell phone use while driving, although 10 states ban all use of hand-held devices. States seem to take text messaging more seriously, however, as 39 states prevent drivers from sending or receiving text messages while driving. Still, other states only place restrictions on certain types of drivers, such as school bus drivers or motorists under the age of 20.

Things To Remember While Driving

Things to remember while DrivingOne major thing to be considered specially when you are the owner of a vehicle and the car is being used extensively is, your car insurance. As every state mandates the car drivers to own car insurance, even Georgia asks for a legal comply with a car insurance policy much before you drive on the roads of Georgia.

No matter how low the premium might be, an inexpensive policy does you absolutely no good if the insurance company cannot cover your claim when your car has been involved in an accident. You should choose a car insurance company which is financially sound, has a history of providing good service and charges a fair rate.

  • No Cell Phones : You need to concentrate more on your driving if you are a young driver. It is mandatory that you should use hands free when you are using cell phones. Though you use hands free while driving the car it is very dangerous to to talk over the phone.
  • Practice Well :If the young drivers practice their car well, more comfortably they can drive the car. Practice your car well by driving regularly.
  • Two-Second Rule : Use two-second rule to judge how much distance you should maintain from the vehicle ahead of you. Calculate how long it will take to pass the spot where the vehicle ahead of you was present.
  • Be Courteous : Roads in Georgia are no joke, you should be a courageous driver. While turning make sure that you switch on the indicators so that the other drivers are indicated about your actions in advance, giving them warning.
  • Don’t Drink & Drive : DUI is serious matter in Georgia because this may lead to suspension of your license, you may be fined with huge penalties. Remember to drive safe and smart!

Classic Thoughts About Cell Phone and Driving

Cell phones are dangerous while drivingThe cell phone statistics of car accident shows that text messaging while driving is the most serious activity related to cell phone. In other words, they believed it is unsafe to hold the cell phone in hand will driving. A major part of car accidents have been set apart to cell phone related distraction. It is believe that most crashes involving teen drivers are due alcohol but at same time even the cell phones are one of the primary causes of most teen crashes in the major part of the accidents.

Cell Phone Driving – Not Safe

Loss of Substantial control– It is observed that many drivers try and use only one hand on the steering wheel but it is important to use both the hands on the steering wheel during an emergency, as it is not safe to driver using a single hand. When the drivers keep talking on the cell phones and driving with one hand at the same time, they operate to hang onto the phone instead they drop it for additional vehicle control.

Peripheral driving vision to be taken away by cell phones- When driving a vehicle the peripheral vision is constantly used even without your notice. It is just more of a subconscious thing that happens which you will be using it most of the time. Holding a phone onto my ear, hand, my arm, and even the cell phone itself is limiting the peripheral vision. The movement of neck restrictions will be caused by the physical act of holding the phone.

Drop age of Phone – When it comes to driving and cell phones, people come through some trouble in dangling on to the phone! Whether it is fumbling to answer the ringing cell phone, cell phones get dropped much often in cars or striking the huge pothole. Instinctively, the driver will go down to grab the phone and crash into a bus. The forceful prospect of holding a phone while driving is the beginning and the biggest reason as to why our driving becomes impaired.

Distracted Driving Pays High on Premium

Distracted - Pay High PremiumAccording to a survey conducted by American Automobile Association, it is found that 41.5% of crashes occur due to “Driver Attention Status” and 8.6 % because of “Unknown Distraction” amongst all the incidents related to distraction.

The practice of texting while driving has been viewed as hazardous. The NHTSA (National Highway Traffic Safety Administration) labels eating, smoking, drinking, reaching for object in car, adjusting environmental control, cell phone use and adjusting radio as major distractions which happen while driving a car. It is proved that cell phone drivers exhibited greater impairment than intoxicated drivers. Drivers using cell phone while driving were found to drive, apply brakes slowly than other drivers and hence a crash.

Texting While Steering

Reaction time slows by approximately thirty percent when a driver texts while driving. This is primarily due to the fact that the driver has to divert his or her attention back and forth between the tasks of texting and driving and has to take extra time to re-focus his or her attention on the road ahead.
Survey showed that drivers who text while driving tend to decrease the speed while also experiencing delayed reaction times, which is almost certainly a recipe for disaster. Following too closely and hitting the brakes too slowly are two behaviors that constitute negligent driving.

Grooming While Driving

Needless to say, the act of grooming or primping while driving is one that causes more than its fair share of accidents on the roadways, especially in high-traffic areas where people tend to perform a good chunk of their morning shaving while in the vehicle on the way to work or school.

On any given day in a heavy- or medium-traffic area, one is likely to see a multitude of derivatives of this behavior. It is not at all uncommon to see another driver putting on makeup, tweezing his or her eyebrows, styling his or her hair, generally checking his or her appearance etc.
The issue with all of these forms of activity is that when a driver is focused on his or her assorted bodily locations, that driver is not completely focused on the road ahead, forming a major cause of an accident.

Calling Over The Phone

This activity takes the biggest share of accident cause. Once the driver indulges in the conversation , he naturally looses the concentration on the road. The response time increases to apply brakes or identify any road signals.

Eating or Working While on Wheels

Many people consider traffic signal stops or pedestrian crossings as leisure periods to do their personal work. Eating or working over their office laptops while driving again distracts the road concentration and leads to accidents.

Accidents caused as your fault leads to issual of tickets. As the number of tickets increases, the premium rates on insurance also goes high.