Drivers, Keep Your Eyes on the Road: Cell Phones and Other Driver Distractions

cell phone insurance
Elizabeth Allen asked:

The list is endless: dialing a hand held cell phone, conversing on a cell phone, operating a PDA or reaching for it, eating, drinking, smoking, daydreaming, “rubbernecking”, applying makeup, combing hair or brushing teeth, removing or putting on jewelry to name only a few. We’ve all seen it. People engaged in secondary tasks while they drive cars and trucks on our country’s public roads and highways. Driver inattention is a leading cause of vehicle crashes. The situation only seems to be getting worse.

Does it really matter whether you take a few seconds to run a comb through your hair or dial a friend’s phone number while you drive down the road? The answer is yes, it does. Studies conducted for the National Highway Traffic Safety Administration demonstrate a direct relationship between driver inattention and automobile accidents. Just glancing away from the roadway for more than two seconds can increase your risk of a crash or near crash at least two fold over normal, attentive driving. Engaging in more complex visual or manual tasks while driving can raise your crash risk even higher. It goes without saying that driving while drowsy is always dangerous and increases the risk of an accident.

Remember, however, not every glance away from the road ahead is dangerous. Quick looks into rear or side view mirrors to check for approaching vehicles or other obstacles can actually decrease your risk of a crash. The motor vehicle driver who periodically scans his surroundings, specifically looking for potential hazards, is a safer driver.

Drivers have been primping, smoking and eating behind the wheel ever since motor vehicles took to the roads over a century ago. Why is there so much fuss over inattentive drivers now? Within the last two decades, cell phone use has increased to the point where there are now over 250 million people in the United States who are wireless communication subscribers. Many of these subscribers regularly use their cell phones while they drive. After all, most everyone wants to stay in touch with friends, relatives and associates. Teenage and young adult drivers are especially addicted to the new technology. They keep their ears glued to cell phones and spend lots of time text messaging friends. Unfortunately, all this friendly communication translates into driver inattention, and it comes at a price. 

A 2007 Nationwide Mutual Insurance Co. survey of 1200 drivers found that 73% of the drivers surveyed routinely talk on cell phones while driving. This high incidence of cell phone traffic means there are more distracted drivers traveling our highways. The more inattentive drivers there are on the road, the more frequently these drivers will be involved in accidents. This doesn’t mean talking on a cell phone while driving is the most hazardous of driver distractions. Drivers who reach for falling objects like a coffee cup or who open a glove compartment are actually at greater risk of a car crash. Nonetheless, driving while you are conducting a cell phone conversation is risky business. A recent University of Utah report declared that the impairment level for persons driving while talking on cell phones is comparable to that of motorists driving while intoxicated at the legal blood-alcohol limit.

It is tempting to conclude that carrying on a cell phone conversation is safer than handling and dialing a cell phone. After all, once the phone connection is made and the conversation begins, you’re keeping your eyes on the road ahead, aren’t you? The answer to this question is “no”. Studies show it is not just the physical act of reaching for the phone and dialing that raises the risk of involvement in a crash. It is also the mental concentration that comes with both listening to someone speak to you and formulating your verbal response. When you’re absorbed in a phone chat with a friend, your mind is focused on the conversation, not the road. Despite this reality, however, states are taking action to ban hand-held cell phone use based on the rationale that hands-free cell phone conversations are safer. In July, 2008, California will begin enforcing a new law banning hand-held cell phone use by non-commercial drivers. The states of New York, New Jersey, Connecticut, and Washington, D.C. have enacted similar legislation.

At present, these states are in the minority. Although more and more state legislatures are taking action to curb cell phone conversations by drivers, few states ban cell phone use altogether. Where there are bans, certain professions or jurisdictions are sometimes exempted. Nevertheless, more and more states are identifying specific categories of drivers for special regulation. Because cell phone use and text messaging is highest among teenage drivers, states have become pro-active in dealing with this age group. Seventeen states, including Virginia, Texas, and New Jersey plus Washington, D.C. regulate cell phone use by novice drivers depending on their age and/or whether or not they have a learner’s permit or a provisional license. Fifteen states prohibit cell phone use by school bus drivers.

To date, legislators in Virginia have focused only on cell phone use by young drivers. Enacted in 2007, Virginia Code Section 46.2-334.01 provides that, “except in a driver emergency or when a vehicle is lawfully parked or stopped, the holder of a provisional driver’s license shall not operate a motor vehicle on the highways of the Commonwealth while using any cellular telephone or any other wireless telecommunications device, regardless of whether such device is or is not hand-held.” This provisional driver’s license restriction expires on the holder’s 18th birthday. Violation of the statute constitutes a traffic infraction. Multiple offenses may result in suspension of the juvenile’s privilege to drive for a period not to exceed six months, in addition to other penalties a judge might impose.

Of course, it is not only cell phone conversations that put motorists and others at risk. When a driver is drawn into conversation with his passengers, for example, his ability to react quickly to trouble on the roadway ahead is also impaired. He is likely to brake more slowly and to follow other vehicles too closely. The bottom line is that, although cell phone use is a common driver distraction which raises the risk of an accident occurring, drivers who habitually engage in other inattention-related activities are also likely to be involved in crashes.

Never decide whether or not to engage in any distracting activity based on what you perceive to be its level of danger. In other words, don’t reassure yourself by thinking it isn’t as dangerous to make a hands-free cell phone call as it is to eat a cheeseburger while you’re at the wheel. Remember that a few seconds of driver inattention for whatever reason can lead just as easily to a collision with a Mack truck as it can lead to a crash with a Dodge Neon. It simply depends on which vehicle is in your vicinity at the moment you become distracted. In the end, it is the severity of the injuries you and others sustain in a crash that really matter, not the degree of danger you may attach to the diversion. Stay safe. Watch where you’re going!



Create a video blog

Car Insurance Rates, Cell Phones and Auto Accidents

cell phone insurance
Dean Larson asked:


Most people realize that one key to keeping their car insurance rates low is to avoid being in an accident. While some companies have first accident forgiveness, more than likely at some point that accident will affect the rates you’re paying for your auto insurance. Many vehicle accidents are a result of distractions, in fact statistics show that distracted drivers have three time the chance of being in an accident. While there are a variety of distractions that can be a cause of an accident, one of the biggest distractions causing more and more accidents today are using cell phones while driving.

The root cause of many of these cell phone related accidents are from people who are either dialing their phone or searching their contact list while driving. Both acts are very dangerous because it normally forces the driver to look at their phone to complete the act. And at high speeds and/or in congested traffic, a second or two is all it takes to either cause an accident or be slow to react when another driver has made a bad move. Unfortunately just talking on your cell phone or listening to someone else can be almost as dangerous since it tends to lessen your focus on the road and what’s going on around you. The percentages that studies indicate are astounding, with 80% of accidents occurring within a couple of seconds of a driver being distracted.

While many people have turned to using hands-free sets while talking on their phone, statistics indicate that while it helps with the dialing aspect of using a cell phone, the overall percentage of accidents have dropped very little. Even if you aren’t actually holding the phone, talking and listening to someone can still be a distraction.

Text messaging is another form of cell phone use that is proving to be very dangerous. Text messaging requires you to look away from the road, even longer than you would if you were just dialing a number.

There are many drivers who feel that they can concentrate on a phone conversation and the road at the same time, but this is generally not the case; your attention is always divided. Others feel that they can look back up quick enough to avoid an accident, but one actually never knows when the right time to look away and the right time to look back at the road can be. All it takes is a split second to slow your reaction time so it’s imperative that drivers be concentrating on the road and aware of their surroundings at all times.

Some states have already banned talking on cell phones while driving, and other states are working on following in their footsteps. There are even some states that are doing their best to outlaw text messaging while driving as well, since it has proven to be so dangerous. Before you get in your car and start talking on your cell phone, consider your well being, the well being of others, as well as the hike in your car insurance rates that could occur. Don’t be the foolish one that says “it could never happen to me”. Use cell phones wisely, and for best results, limit cell phone talking while driving to emergencies only. If you must talk on your phone, take the time to pull off the road while carrying on the conversation.



Create a video blog

What kind of insurance for a horse boarding stable?

insurance
beezersmutti asked:


I have a riding stable with 5 of my own horses. A friend is boarding her daughter’s pony here. Board covers the bare minimum of costs and the family helps with barn work.

There is a demand for boarding in our area and I have had numerous requests.

What kind of insurance do I need if I want to take on boarders? Also, what kind of insurance do I need if I allow boarders to also ride my horses?

Our one boarder wants to work with a trainer using my horse as she is rapidly outgrowing her pony. The daughter is 14 years old and a very fine rider.

I want to make sure everyone is protected and no problems occur if someone gets hurt on my property.

Create a video blog

Choosing the Right Cell Phone Provider - Top Tips

cell phone insurance
Matthew Hick asked:


Choosing a wireless provider along with the phone, rate plan and services you need and want is not unlike buying a car or insurance. It can seem painful and complex. There are brands, plans, pricing options and colors to choose from and contracts to sign. Being prepared is the best approach.

First, the geographical area in which you will be using the wireless service the most plays a predominant role in choosing the carrier. You may have found the devices with the accessories and features you most desire and the most attractive or lucrative plan but when all is said and done if there is poor service in the coverage area anticipated for usage then all else is of little value.

Ask the question: How, when and where will the service be used? How is the phone going to be used? Will it be for heavy or light use, conversational everyday use, work purposes, industrial or office, in travel or close proximity? Consider the user. Is the user elderly, a child or student, proficient with technology or is this for the timid or first time user? The answers to these questions will help you determine the carrier, technology, coverage areas needed, as well as, features and rate plans.

There are most likely several major carriers and possibly some smaller carriers in your area. You may want to visit a physical location either a company store or agent or check them out online. Look over the coverage area and what will match your needs. Areas and plans extend from regional or national to international coverage.

Next determine the rate plan that fits your usage style. There are limited plans, plans that allow for multiple users at a discount and those that allow calls between networks to your favorite callers for no additional charge. Plans that give you phones for free, offer no commitment, no fees, free shipping on phones, unlimited or limited calling, night and weekend rates. Be aware of roaming fees for calling outside your coverage area. There are often bundled plans that combine new phones with options and rate plans that can equate to considerable savings.

Deciding between signing a one or two year contract or a pre-paid plan is an individual choice. Before signing a contract first read it carefully. Is there a grace period and how long? Is there a early termination fee and how much? Compare the plans between carriers that match your needs. Don’t be afraid to ask if they have a comparable or better plan than their competitor. Negotiating may not be easy but don’t rule it out, ask for a manager. Always remain calm and patient.

If a contract is too confining consider a prepaid plan. This is a great way to go for the occasional caller or “in case of emergency” Now pick the phone that feels comfortable, fits your style of use, and then any accessories you may require. The right fit will help keep dollars in your pocket and you in touch with the world around you wirelessly. Customer service and tech support is not to be overlooked. If you need assistance or have issues with your service or bill this department becomes vital.

Purchase only what you need don’t give in to pressures of salesmanship or peers. But value the information both can provide.



Caffeinated Content

Information on Cell Phones

cell phone insurance
Rob Lamper asked:


Sometimes we delay charging as we are too busy and this often means the phone fails but leaving recharging like this isn’t a good idea. If you do not want to replace your cell phone battery early then you must not continue leaving the recharge cycle until the last minute.

There are several ways to prolong the life of your cell phone battery; Keep your back light off unless you know for sure you’ll need it and whilst this might be annoying at first it will save battery life. When the phone is operational, it is constantly searching for a signal which is ok when there is good signal strength but if this is lost, it still tries to find a signal using more power and draining the cell phone battery in the process; the same way that long conversations do. Today’s cell phones have many more functions and if you spend a great deal of time surfing the Internet or listening to music, the battery deplete earlier than it should, possibly just when you need to use to speak to someone.

One way that young people get caught out is with the many things they can now download onto their phones which are often chargeable even if this is not made clear at the time of purchase. If you purchase one for your child, find out if you can block these features or find out if there’s a way that you as a parent can order features, but your child cannot.

People that use a cell phone regularly, arrange for a monthly plan, this is a contract over 12 or 24 months but if the phone is not going to be used regularly, a pay-per use option is probably preferable. The process for each contract will differ greatly but arranging a pay-per use contract for a regular phone user is probably not the best option to have financially speaking. Consider the features you want, as long-term plans often have more features for less money or even as a bonus, at no charge; so ask if all your features, such as caller ID, will work when roaming.

Pay attention to any hidden charges like penalties for early termination of the contract as some contracts can be costly to get out of. Steer clear of a contract that does not supply the phone with an insurance warranty as you could be liable for any costs if it were stolen or inadvertently damaged.

You also want to make sure that the parts and accessories are easily obtained from any regular cell phone store, even if you purchase the phone from an Internet based company.



Website content

Cell Phones for Kids - Smartest Picks

cell phone insurance
Allison Merlino asked:


The decision to buy your child a cell phone is unique to each household and child.

However, once the decision is made you will need to sift through a variety of phones and service plans geared for children that have been developed in response to the exponential growth of this new target market! These plans are focused on security and simplicity for its young users. I will review a few reputable companies’ offers and make some suggestions as follows.

Cingular Firefly:

This phone was the first specifically made and marketed for kids. This phone is designed for very young children. It has two symbol keys and no numeric keypad. The parent can set the phone to reject incoming calls from anyone but those in the phone book which they can program online. It is expensive. The phone is $119.00 and the calls are 25 cents a minute unless you are a Cingular customer. Also, there have been concerns as to the phone not being rugged enough.

Verizon Wireless LG Migo:

This phone has five number keys only each with an assigned person/phone number. Its physical design is suitable for tiny hands. This phone is equipped with a speaker phone option, vibrate mode and polyphonic ringtones. Notably, there is no setting to restrict incoming calls. This does give the parent a little more freedom however, to reach their child from various locations. The phone is an option for the Add a Line Family Plan at ten dollars per month.

Enfora Tic Talk:

The Tic Talk is the most non cell phone looking cell phone of the bunch. You talk into it like you would a walkie-talkie. The phone has been criticized for being inefficient as you need to hit a couple of buttons in order to complete a call and then keep in mind not to put the phone to your ear or it makes a strange buzzing sound. It has similar features to the Firefly and Migo such as only being able to dial a handful of numbers. And like its competitors, it is designed specifically for voice calls omitting text messaging, email, voicemail, pictures and the web.

The models that look childlike will not fly for preteens and up. So, in comes the big boy/girl cell phone (a regular cell phone) with Ace Comm’s Parent Patrol. For an added cost of 2 - 5 dollars a month (on any participating plan you choose) you can control how many minutes and texts your child uses and set hours which are off limits. You can also block numbers and filter inappropriate content from the mobile Web browser. This is a great tool to use to teach your kids how to balance their minutes.

My suggestion:

For your grade-schooler: I would purchase the LG Migo. It has a rugged design and is small for small hands. It has a couple of cool features like vibrate mode and polyphonic ringtones. And it will not restrict the parent by being blocked when calling from a non programmed number.

For your preteen and older:

Add a line on Verizon’s family plan for ten dollars per month, take advantage of the phone promo, purchase insurance for four dollars per month incase of loss or damage, subscribe to Parent Patrol and have a discussion about privilege, responsibility and the limits of cell phone use for your household!

A cell phone is a large responsibility for a child. Choosing the right plan will help you and your child limit the dangers and incredibly large bills and accentuate the positives!



Caffeinated Content

How To Buy A Camera Cell Phone | Your First Camera Phone

cell phone insurance
Rebecca Welch asked:


Phone manufacturers are making the most of the growing popularity of the camera phone market. Profits for companies such as Nokia, Siemens, Motorola are steadily increasing and have the intensified the competition to make better models of the original camera cell phones. Carriers will often give away a great camera cell phone if you sign a cell phone service agreement.

Camera Cell Phone Benefits:

Even though the camera cell phone can be considered a luxury item, there are many benefits to owning this mobile communication device that can serve a dual purpose. Snapping pictures of people, places and things has never been easier. This is a great way to keep in touch with family and friends who live far away. With a camera cell phone, you are never without a camera and can snap that “once in a lifetime” shot with ease. The pictures you take can easily be uploaded to your personal computer. Some of the newest camera cell phone models have high resolution photos,red eye reduction and zoom options that rival a digital camera. Photo quality is largely dependent on the type of camera phone you purchase, but is generally an excellent investment.

Many camera cell phones can act as a mini camcorder as well as taking pictures. Basic camera phones will usually make a 30 second movie. You may have the option to upload the movie clip to your PC and transfer to the Internet.Some camera phones allow you to simply email the clip directly family and friends. This is the perfect feature for special occasions or moments when you do not have access to a regular camera.

Camera Cell Phone Disadvantages:

Although camera cell phones are wonderful devices, there are a few distinct disadvantages to owning a camera phone over a regular cell phone. If you have to purchase your camera phone, the cost is often more than a regular cell phone. Be aware that sending photos can quickly become expensive. Every carrier has their own rates for sending photos and it can be quite costly.

Depending on the model of camera cell phone you choose, the picture quality may not be what you would like. Learning how to focus the lens on a camera phone can be quite challenging and may result in many blurry pictures before you learn the technique. Should you drop the camera phone and crack or break the lens, it can be costly to have it repaired. Check with the manufacturer before you make your purchase because some models can not be repaired at all. A broken camera lens will result in a new phone purchase.

If you are planning to buy a camera cell phone, you should budget a bit of extra cash for additional insurance. Insurance on your camera phone can save you some expensive repairs or replacement of your phone in case if is lost or stolen. The small size of most camera phones and cell phones today makes an ideal target for a pick pocket or purse snatcher.

If you are new to the mobile world, compare options and cell phone promotions offered by carrier companies such as Cingular, T-Mobile or Verizon. Most companies offer free camera cell phones if you sign a cell phone service agreement. Your free camera phone probably won’t be the the best they have to offer, but will be good enough for you to get accustomed to using a camera phone. After a 6 month membership, you may be able to upgrade or trade in your current camera phone for a better model. Check for this option before you sign your cell phone service agreement.

The camera cell phone is the most popular type of cell phone on today’s market. The convenience of having a camera at your fingertips can be fun and inexpensive if you don’t abuse your carrier rates for sending pictures. The camera cell phone is a handy tool for party or fun pictures. As long as you don’t expect professional level photography from your camera phone, you should enjoy having a camera handy for all those great photo opportunities.

Shop around for the best deals and always ask carriers their rates for sending pictures MMS. Rates can vary greatly and you want to get the best deal so you can use your camera phone often. Camera phones are also available as a prepaid cell phone, but prepaid cell phone rates are more expensive. MMS and text message rates are also quite a bit higher than a regular cell phone plan. Learning how to buy a camera cell phone isn’t difficult, but it does require you to do your homework before making any purchases.



Create a video blog

Mobile Phone Insurance

cell phone insurance
Isabel asked:


Mobile phone thefts are on a rise. Are you aware how much risk you are taking by not fully insuring your mobile phone? If you loose your mobile phone or damaged it by accident you will have to pay the full replacement cost to buy a new one.

Why do you need to buy mobile phone insurance?

Did you know the free phone you receive when you sign twelve month contract with your service provider, can cost you as high as $30,000. This is because the network (T-Mobile, Vodafone, etc) discounted your phone because you are promising them 12 months of your business.

Benefits of mobile phone insurance

• You will not be without a mobile phone for too long.

• Your mobile phone is replaced or repaired at no cost to you

• You will not be liable for any calls made by the thief incase your mobile is stolen

• You are also covered if anything happens to your mobile phone abroad.

• Your mobile phone insurance provides you with additional benefits from water damage, fraudulent calls or theft.

• Your monthly cover is low cost

• Mobile phone insurance will assure you peace of mind with no worries about anything happening to your mobile phone or PDA.

How can no mobile phone insurance affect you?

• If your mobile phone is stolen or damaged you will have to buy a new mobile phone

• Even though you are without your mobile phone you will still have to pay your monthly contact charge to your phone service provider.

• Until you block your phone, you will be liable to pay all the calls the thief makes on your mobile phone.

• Buying a new phone would mean lot of inconvenience as you will have to notify people about the new number

• If you loose your mobile phone you can do nothing. However if your mobile phone is stolen you will have to waste a lot of your time informing the police and filling in forms.

Isabella Rodrigues writes for 4freecellphone.info,

offering the latest information on cell phones, visit them today and get the

latest information on different types of free cell phones.

Visit today: http://www.4freecellphone.info



Caffeinated Content

Cars and Cell Phones Make a Deadly Equation

cell phone insurance
Alan Haburchak asked:


Wireless communication has dramatically improved daily life, but mobile phone technology also has a dramatic downside: the proliferation of cell phone use by drivers has made the roads considerably more dangerous.

Cell Phones are a Leading Cause of Driver Distraction

A joint study released by the National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech

Transportation Institute in April 2006 concluded that nearly 80 percent of car crashes and 65 percent of near-crashes occur within three seconds of some kind of driver distraction. Dialing a cell phone ranked among the most dangerous distractions, tripling the risk of being involved in an auto accident. Unlike the danger presented by dialing, the study found that talking on a cell phone was less dangerous than drowsiness or reaching for a falling object. However, the prevalence of cell phone use by drivers makes it one of the most common and therefore most dangerous factors in car and truck crashes. According to the NHTSA, there are over 10 million U.S. drivers talking on cellular phones at any given moment, an alarming figure given the link between cell phones and distracted driving.

Cell Phones Bans on the Rise

In response to the increasing evidence linking cellular phone use and auto accidents, a number of states have started to ban their use on the roads. States with legislation restricting cell phone use while driving include New York, New Jersey, Washington, D.C. and Connecticut. In 2008, California will join the ranks of states banning hand-held phone use by drivers. In addition, according to the National Conference of State Legislatures, 14 states have banned mobile phone use by minors as of November 2006.

Hands-Free Is No Safety Guarantee

Many drivers have switched to hands-free mobile phone devices in an effort to cut down on their risk of being involved in car accidents. However, recent evidence suggests that even a hands-free cell phone presents a danger on the road. According to the Insurance Institute for Highway Safety study conducted in Perth, Australia in 2005, switching from hand-held cell phones to hands-free devices does not reduce the risk of car crashes. A recent study conducted by the University of Utah and published in the summer 2006 issue of Human Factors also concludes that hands-free cellular phones carry the same risk as hand-held phones. Evidence on hands-free phones continues to indicate that talking on the phone is a dangerous distraction, reducing driver alertness and reaction time, regardless of the type of cell phone being used.

In the event that you are involved in a car or truck accident in which a cellular phone has played a part, contact a knowledgeable personal injury attorney right away. Your auto accident lawyer can help you file a suit, if appropriate, and possibly recover damages to which you may be entitled.



Kansieo.com

How long can you wait to notify a insurance company about a potential claim?

insurance
John asked:


How long can you wait to notify a insurance company about a potential claim?
You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of time after the incident occurs. I live in NY. How long can you wait to tell them? How much would that short period of time be? Landlord have been recieving letters frommy lawyer and he havent sent them over to his insurance company. This been going on since May 1st of this year. Can the insurance deny him coverage?

Caffeinated Content

Next Page »