April 2013


distracted drivingIf you haven’t heard yet, April is “Distracted Driving Awareness” month. Although we aren’t perfect, I think the majority of us consider ourselves to be excellent drivers. Every now and again, however, I think that we can all honestly say that there may be something that causes us to take our eyes off the road, even if it’s just for a few seconds. Whether it’s a text, an incoming call, or even your crying baby in the backseat, it’s a distraction none the less. Although texting is probably the most common thing that you hear about these days, surprisingly, it is not the number one reason with respect to distracted driving.

Using data collected from 2010 and 2011, an analysis was performed by an insurer out of Erie, PA. By using some of the top resources and information such as police report data in the Fatality Analysis Reporting System (FARS), a nationwide census of fatal motor vehicle traffic crashes maintained by the National Highway Traffic Safety Administration, and also the Insurance Institute for Highway Safety, the insurer was able to determine the top ten distractions involved in fatal car crashes.

Still think texting was the number one reason? Think again! The analysis reported that a whopping 62% of distracted drivers were either “lost in thought” or “generally distracted”….aka daydreaming. When I think about it, I can honestly say that I have definitely been guilty of daydreaming while at the wheel. With the busy schedules we keep and the hustle and bustle of getting from here to there, it’s easy to “zone out” while you are driving. Our minds are in a constant state of thought. Whether you are thinking about what you should make for dinner, wondering if you packed everything you needed for your weekend getaway, or simply trying to decide what exit you want to take, you are putting yourself, your loved ones, and others at risk. So the question now is how do you stop daydreaming and stay focused on the road? There are a number of things that you can do to accomplish this.

1 – Control Your Emotions: Do not let a fight with a friend or significant other interfere with your drive. Before you get behind the wheel, make the decision to put your emotions aside and make a plan. For example, tell yourself “When I get home, I’m going to call my friend Jenny to vent, because she gives good advice and perspective”.

2 – Pump Up the Jam: Put together a playlist or cd with music that gets you going. Songs that have 100-175 BPM (beats per minute) can help keep you alert.

3 – Let Some Air In: Open your windows. Seat warmers and heaters during the winter months, although cozy, can relax you right into the thought of being snuggled up in your own bed. Crack the windows, even if it’s just for a few minutes. Just like a cold shower can wake us up, so can a blast of cold air.

Whether it’s daydreaming, texting, or putting on your lipstick, there is no doubt that distracted driving is a growing epidemic. Be mindful of how you are feeling, both physically and mentally, before you start the ignition. Consider your drive a mission, even if it’s just to the grocery store, and get from point A to B in one piece. Carry on and drive safe!

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AccidentsMost of us know that each individual state requires that you carry auto liability insurance. In the state of Arizona, you are required to carry at the least 15/30/10. To break it down, what this means is that you have up to $15k (per person) and $30k maximum (per accident) for BI (bodily injury) should you cause injury to someone during an accident for which you are at fault. The $10k is the maximum coverage for PD (property damage) that was caused by you. Although your premiums for this type of coverage are very cheap and may be within your tight budget, there are several things to consider before making a quick, impulsive decision that might end up haunting you for the rest of your life.

The average cost of a vehicle these days is a little over $30k. Sure, you wouldn’t be responsible for the cost of a brand new vehicle if you caused an accident because we all know that the value of a car depreciates immediately after you drive it off of the lot. In fact, the average cost of an accident in which there is ONLY property damage was $9078 in 2011, according the AZ Motor Vehicle Department. You have $10k in coverage, no big deal, it’s just under your limit right? Keep in mind that this is an average figure only! This doesn’t guarantee that any damages caused by you won’t be over $10k. You should also consider that property damage is not just limited to someone else’s vehicle. You can damage a number of things…a lamp post, a yard, or even a house. PD coverage also pays for your legal defense costs if you are sued as a result of these damages and you don’t need to be an expert to guess how much that could run you.

Now it’s time to get serious and address bodily injury. If you have the required state liability limits in the state of Arizona, then you are covered up to $15k (per person) which maxes out at $30k (per accident). We all know that accidents happen and according to the AZ Motor Vehicle Department, the average cost per incident in 2011 in regards to BI was $22,746 and this was just for Non-incapacitating injuries. The average cost per incident for incapacitating injuries jumps to $70,854 and the average cost per incident for accidents that involved fatalities was $1,438,200. I don’t think anyone is in disagreement that 15/30 is definitely not enough BI coverage for anyone.

What can you expect if your insurance coverage comes up short? It’s simple really. If the amount of BI and/or PD exceeds the limits of your coverage, you are at risk of being sued. Depending on the amount in which you are sued for, you can potentially have your wages garnished for the rest of your life. Think for a moment of the victims as well. Not only have you disrupted your own life financially, mentally, and possibly physically, you have also disrupted someone else’s life in the same manner. Think of it in terms of your family and if the tables were turned. It’s not something we are necessarily comfortable thinking about, but what would the implications be if someone caused an accident involving you or your family members and they did not have the coverage to make you whole again? It’s a disturbing scenario.

We choose not to write state limits for any of our clients. It’s something that we feel strongly about and believe it is in the best interest of our clientele to carry liability limits of at least 100/300/100. If you currently have state liability limits, ask yourself “How much am I really saving in the long run?” There is no better time than now to get with your agent or insurance carrier to discuss increasing your auto insurance limits. Be safe, but most importantly, be protected! Call our office for a free quote today at 480-288-5900!