When you are driving, do you ever look after children seated behind you, snap photos or fiddle with your radio or navigation system? How about eating, drinking, daydreaming, engaging with passengers or rubbernecking while behind the wheel?  These are all forms of distraction that steal your attention from the road.  But by far the most deadly distraction for a driver is texting or making and receiving phone calls while behind the wheel. The Governors Highway Safety Association (GHSA)  tells us that 42% of drivers admit to reading a text or an e-mail while driving. Moreover, the National Highway Traffic Safety Administration (NHTSA) attributed 3477 fatalities to distracted driving in 2015 alone. 

ERIE Insurance surveyed 1915 U.S. drivers in 2015 to study their driving habits related to driver distraction. The study showed that many Americans are driving distracted—and they're doing some pretty crazy stuff behind the wheel. See for yourself in this Infographic , and learn more in the article, “You did WHAT behind the wheel?” 

You might be wondering how you might better focus your attention on the road while driving.  Actually, the Insurance Information Institute (III) offers a great checklist to remind you how to avoid the common driving distractions. Part of what you'll find there is how to be well prepared before you drive and how to manage what goes on in your moving vehicle. 

A few of the many good tips to avoid distracted driving include:

• Using Voice-Activated Dialing to keep your hands on the wheel
• Pre-Programming your Navigation System before getting on the road
• Engaging a Driving App that automatically receive calls and texts with a pre-recorded message that you are driving at the moment and will contact the caller/sender later.

Auto Insurance Tip

Remember, you can do much to protect yourself and others by avoiding driving distractions; but accidents might still happen.  So be sure that you are protected and that your auto insurance coverage is exactly right for your circumstances.  If you have not consulted with your insurance agent recently for a policy review, you’d be wise to do so.  By assuring that you are driving safely and well-protected by your insurance, you can be a much more confident driver.

Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.

With the new semester beginning soon, will you have teens headed to college? If so, then you know that there is a never-ending list of things to do before they’re ready for campus life. One item that is often overlooked is insurance coverage. Will they be taking their car to school? Will they live in the dorm or in an off-campus apartment? These are just two of the items that might affect your auto and homeowners insurance decisions.

In “Back to College Q & A”, ErieSense.com offers “answers to a few of the most common questions that parents of college students have” and offers tips to keep your students’ car and belongings safe and protected.

Read the entire article to learn what you need to know about auto insurance and homeowners insurance protection for your college students.

Here at Daniel Howley Insurance Agency, we are a full service insurance agency, offering auto/car insurance, homeowners insurance, business/commercial insurance and life insurance to Rockville MD, all of Maryland and Virginia. Our experienced insurance agents welcome the opportunity to discuss your coverage needs and questions at any time.