Cell phones are an obvious distraction, but there are countless others.
Visual distractions take the motorist's eyes off the roadway. Road signs, billboards, crash scenes, construction zones, landscape vistas, and GPS mapping fall into this category. Manual distractions take the driver's hands off the steering wheel. These include eating, drinking, adjusting controls, reaching for objects, and grooming. Cognitive distractions cause the driver to lose concentration. Activities already mentioned take the motorist's mind off driving, as do talking (even on a hands-free device), visitng with passengers, and daydreaming.
Drivers can take proactive steps to minimize distractions. Start with making a deliberate decision to remain focused every time you sit in the driver's seat. Other ideas:
Motorists often turn to an auto insurer for help after a crash. This makes it important to review your insurance policy periodically. Note coverages, review the claim process, and be familiar with policyholder duties after a loss.
Bodily injury and property damage are required by law. Liability pays if you cause an accident and are legally responsible for another person's damages. Be certain liability limits adequately protect your financial assets.
Secure coverage for damage to your vehicle by adding comprehensive and collision to the policy. Choosing high physical damage deductibles reduces the premium, but you'll pay more out-of-pocket when a loss ocurs.
Insurers offer a variety of optional endorsements. A local agent can provide details on extra coverages like towing, rental car reimbursement, uninsured motorist property damage, and more.
Verify your policy has accurate vehicle and driver details. Place an up-to-date insurance identification car in the vehicle glove box.