This Month's Tip
Shun Those Cell Phones While Driving
More than 20 percent of injury crashes in the United States involve
reports of distracted driving, according to the National Highway Traffic
Safety Administration (NHTSA). Of those killed in distracted-driving related
accidents, 18 percent involved the usage of a cell phone. Another study
indicates that using a cell phone while driving, whether it is a hand-held
or hands-free device, delays a driver's reactions as much as having a blood
alcohol concentration at the legal limit of .08 percent.
Cell phones, and particularly smart phones, are considered one of the
leading driver distractions. As a result, more and more communities are
placing restrictions on drivers' use of cell phones. The following tips are
offered to motorists with regard to cell phone use in vehicles.
You should wait until the car trip is complete before placing a call.
Your cell phone's voicemail feature should answer a call while you are
Absolutely essential calls should only be performed while stopped.
However, it is not wise to pull over on the side of the road where a
rear-end collision is possible. Instead, you should pull into a parking
lot to perform this task.
The phone should be placed where it is easy to see and reach.
You should take advantage of speed-dialing capabilities.
You should never drive and talk on the cell phone during stressful,
emotional, or complex discussions since the risk of an accident is
You should consider using a hands-free cellular phone since some
studies indicated that these are safer to use.
You should never text message while driving.
personal lines insurance and risk management tips and ideas from IRMI.
International Risk Management Institute,