Driver’s Excuses For Using Cellphone When Driving.

 Many states have adopted laws that prevent cellphone use while operating a vehicle. It is a distraction that has caused many insurance claims and unfortunately lives. While it is not a law currently in Florida, it is highly discouraged by law enforcement officers.

Check out the list below and see if you have used any of these excuses or if there are other ones that you use.

Here are the top 10 excuses the Insurance Corporation of British Columbia compiled of local drivers who were caught using handheld phone devices while driving:

1. This is a bogus law.

2. It was my boss on the phone – I had to answer it.

3. I wasn’t using it – I just like to hold it.

4. Sorry officer, I didn’t see you trying to pull me over because I was on my phone.

5. But it was an emergency call to my wedding planner.

6. My Bluetooth died.

7. Driver: I’m using my speakerphone. Police officer: No, you’re holding your phone in one hand and steering with the other.

8. I’m not driving; I was stopped at a red light.

9. I wasn’t talking, I was checking my messages.

10. I was just checking the time.

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Teenage Driving Safety

Safe driving is everyone’s responsibility. Consider that over half of all motor vehicle accidents could be avoided if drivers would just make intelligent driving decisions. Teenagers are most at risk because they may not have the experience or maturity to be able to consider the consequences of their actions. It’s critical that good driving habits are formed early…they can last you a lifetime!

 Teens and their parents should take a few moments to review the following information. Hopefully, this will get you thinking about things you can do to make your driving as safe as possible:

Statistics that make you think twice

Automobile accidents are the number one killer of our nation’s youth.

Drivers under the age of 20 were involved in 13% of all accidents, yet they account for only 5% of all drivers.

5,000 teenagers die each year from auto accidents.

Alcohol is responsible for almost half of all teen motor vehicle deaths.

25% of all teen accidents involve speeding.

Half of all teenage traffic fatalities occur between 6:00 p.m. Friday and 3:00 a.m. Sunday.

In one year, drivers 19 and under were involved in close to 3 million motor vehicle accidents.

The price of a bad decision can include injury to yourself or others, loss of life, loss of life style or loss of personal freedom.

Ways to Prevent Accidents

While no one has full control over the circumstances surrounding a motor vehicle accident, there are things that can be done to reduce your chances of being the cause or being involved in one. Here are some smart decisions you can make while you’re behind the wheel:

Always pay complete attention. Avoid cell phone use and putting on make-up in vehicle while driver.

 Drive defensively. If you assume that other drivers are not as skilled and thoughtful as you are, you will instinctively become more careful and cautious when on the road.

Try not to speed. When you speed, you have less time to react, less time to make the right decision.

Never drink and drive. Alcohol can seriously impair your decision-making skills and reaction time.

Take the keys away from friends who have been drinking.

Give friends rides home if they have been drinking.

Ways to keep insurance premiums for teens as low as possible

A number of factors are taken into consideration when insurance companies set rates for automobile policies. Among those factors are the type of vehicle and the age, gender and driving record of the insured. Companies pay close attention to the number of accidents a driver has had and the traffic tickets (from speeding, running a stop sign, etc.) received. In their view, past performance serves as a meter for future behavior — therefore, these drivers pose a higher risk.

 While you have no control over your age or gender, you can influence your driving record by forming and maintain good driving habits. Here are some other ways you might be able to save on premiums:

 Are you a good student, B average or better? Most companies offer discounts for these students.

Complete a driver’s training course. Teens who take Driver’s Ed are considered safer drivers than the average teen.

The longer you drive, the more experienced you become.

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Determining Your Auto Insurance Needs

When choosing auto insurance, you want thorough coverage for the best price.

There’s a lot to think about when you’re choosing auto insurance . In some states, to license your car you must carry liability coverage for damages incurred by others if you cause an accident, or no-fault coverage to pay for medical and related expenses for you and your passengers caused by injuries from a car accident, regardless of fault; or carry both. Without car insurance, you risk paying the full cost of:

  • Medical costs due to injury to yourself or others.
  • Repairing or replacing your car if it’s damaged or stolen.
  • Damage or injury from an auto accident with an uninsured driver.
  • Damage to your vehicle when it’s parked at your home or a public place.

So, how can you tell what amount of coverage is best for you? Consider your driving profile.

  • What kind of car do you drive? Coverage on your vehicle depends on its value. The less expensive the car, the lower the insurance premium you generally pay.
  • How much do you drive? Drivers who use their car for business and long-distance commuting normally pay more than those who drive less.
  • What’s your age, gender, and marital status? Statistics show accident rates are impacted by a driver’s age, gender, and marital status. If there are multiple drivers in your household, that can also affect your price. Parents can lower risk by keeping teens safer on the road.
  • Where do you live? Your location, and whether you’re a homeowner or renter, will affect your car insurance payment.
  • What is your driving record? Drivers with a history of accidents or chargeable motor vehicle violations (e.g. speeding ticket) generally pay more than those who are accident-free for several years.
  • What is your credit history?  Many insurance companies consider credit history when determining an individual’s rate.

Ask Your Agent

We can help you find insurance that meets your specific needs. Here are a few things to discuss when you talk:

  • How much can I afford to pay if my car is in an accident, damaged, or stolen?
  • What would my cost savings be if I raised my deductible?
  • Can I get discounts for taking safety classes or having multiple policies?
  • Will I save money if my car is stored in a garage, or if I belong to an auto association?
  • How much medical and liability coverage should I have?
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Tips for Teen Drivers

Safe driving is everyone’s responsibility. Consider that over half of all motor vehicle accidents could be avoided if drivers would just make intelligent driving decisions. Teenagers are most at risk because they may not have the experience or maturity to be able to consider the consequences of their actions. It’s critical that good driving habits are formed early…they can last you a lifetime!

 Teens and their parents should take a few moments to review the following information. Hopefully, this will get you thinking about things you can do to make your driving as safe as possible:

Statistics that make you think twice

Automobile accidents are the number one killer of our nation’s youth.

Drivers under the age of 20 were involved in 13% of all accidents, yet they account for only 5% of all drivers.

5,000 teenagers die each year from auto accidents.

Alcohol is responsible for almost half of all teen motor vehicle deaths.

25% of all teen accidents involve speeding.

Half of all teenage traffic fatalities occur between 6:00 p.m. Friday and 3:00 a.m. Sunday.

In one year, drivers 19 and under were involved in close to 3 million motor vehicle accidents.

The price of a bad decision can include injury to yourself or others, loss of life, loss of life style or loss of personal freedom.

Ways to Prevent Accidents

While no one has full control over the circumstances surrounding a motor vehicle accident, there are things that can be done to reduce your chances of being the cause or being involved in one. Here are some smart decisions you can make while you’re behind the wheel: Read More…

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