Tanning Tax :Is it true that distracted driving is considered high auto insurance risk and can lead to Sr22 insurance?

Distracted driving and high risk lead to SR22 insurance

Response : Tanning, let me first let you know that SR22 insurance is not actually a insurance but a form which is given by the insurance company which states and proves that a high risk driver has car insurance or auto insurance. Check out my log post which explain sr22 insurance and how to obtain affordable or cheap sr22 insurance for your reference if you need the same for yourself or for a friend or relative.

Now, distracted driving has definetly lead to auto insurance accidents – fatal ones and hence this leads the driver to high auto insurance risk category , or they are categorized as high risk.

The National Highway Traffic Safety Administration reports that nearly 6,000 people died in 2008 in crashes involving a distracted or inattentive driver, and more than half a million were injured. Many of them were teens.

According to the Insurance Institute for Highway Safety, seven states currently ban driving while talking on a hand-held cell phone. The use of all cell phones by novice drivers is restricted in 21 states and the District of Columbia.

Text messaging is banned for all drivers in 19 states and the District of Columbia. In addition, novice drivers are banned from texting in nine states.Florida, Kentucky and Alabama are among the states weighing their own bans.Nearly one out of five U.S. drivers surveyed has read or sent a text message while behind the wheel, according to a recent AAA survey – even though they consider such action unacceptable.

The AAA, the National Safety Council and most safety advocates have urged texting bans for drivers in all 50 states. The insurance industry conducted a study to find out whether this law should really be passed.

The Highway Loss Data Institute study found that claims rates did not go down after the laws were enacted. It also found no change in patterns compared with nearby states without such bans.

HLDI is a respected research group but its results in this study seem to defy everyday experience, common sense and human psychology. It found that this required multi-tasking and these are complex things which requires concentration. The psychologist have stated that both driving and talking on the phone require brain demands and hence it is very likely that the driving is impacted whilst talking. Text mesaaging is even more complex than talking on the phone.

It is best to be safer than to regret things in the future since sometimes regret also never brings back life or a lost one. Distracted driving has lead to accidents and you would certainly end up being a high risk driver. The reality is that high risk drivers do need SR22 insurance and getting cheap sr22 insurance is something which you need to undertake and compare auto insurance.

Thanks. Be safe and drive safe.
Kamlesh

Jenifer Anishton : Why do the general insurance comapnies charge high auto insurance rates for drunk driving? Why is it difficult to get cheap sr22 insurance?

Why high risk auto insurance or DUI insurance is expensive? Get cheap sr22 insurance.

Response :Jenifer the reality is that DUI or drunk driving insurance or any high risk auto insurance is expensive for the very fact that the probabilty of auto insurance claims are higher for this class of business. When one is involved in drunk driving than one needs SR22 insurance. SR22 is associated with high auto insurance risk and hence getting cheap sr22 insurance is difficult.

Let me explain this with the help of data, since the insurance Here are some of the statastics which would be an eye opener as to what can be extent of auto insurance claims for high risk auto insurance or drunk driving or dui insurance.

Alcohol-impaired crashes are those that involve at least one driver or a motorcycle operator with a blood alcohol concentration (BAC) of 0.08 percent or above, the legal definition of drunk driving. According to NHTSA, 11,773 people died in alcohol-impaired crashes in 2008, down 9.7 percent from 13,041 in 2007. In 2008 alcohol-impaired crash fatalities accounted for 32 percent of all crash fatalities for the third year running. Can you now estimate how much the general auto insurance companies must have paod for these claims?

When we still examine the results as per the genders, here is what emerges. Drunk Driving by Gender: A new study by the National Highway Traffic Safety Administration (NHTSA) shows an increasing trend among women driving under the influence of alcohol (DUI). NHTSA found that from 2007 to 2008 the number of impaired women drivers involved in fatal crashes increased in 10 states and remained flat in five states, despite an overall decline of 9 percent in all drunk driver crashes during the same period. The study confirms FBI statistics showing that arrests for women driving under the influence increased by nearly 30 percent over the 10-year period from 1998 to 2007. Over that same decade, DUI arrests for men decreased by 7.5 percent, although the total number of men arrested during the period outstripped women by about four to one.

Drunk Driving by Age: According to data from the National Highway Traffic Safety Administration (NHTSA), the percentage of drivers in fatal crashes who were alcohol impaired was highest for 21-24 year old drivers, at 34 percent, followed by 25-34 year old drivers, at 31 percent, and 35 to 44 year old drivers, at 25 percent.

You will agree that the cost to the general insurance companies is also high in terms of money spent behind these auto accidents for drunk driving and hence it is best that those who are involved in drunk driving seek online quotes for cheap sr22 inusrnace. Check out the quotes for cheap sr22 insurance at dui sr22 car insurance quote and you will find them.

Thanks.
Kamlesh

Mike : Is it true that drunk driving is decreasing and alcohol-imparied driving is on the decline?

Response :  A new roadside survey by the National Highway Traffic Safety Administration confirms a continuing decline in the percentage of legally intoxicated drivers and alcohol-imparied driving.

In 1973, 7.5 percent of drivers had a blood alcohol concentration (BAC) of .08 or higher. In the latest survey, that figure had fallen to 2.2 percent. A BAC of .08 or higher is now above the legal limit in all 50 states and the District of Columbia.

Previous roadside surveys conducted by NHTSA have measured only alcohol. But the 2007 survey used new screening techniques that detected other substances as well and in the future may help show the extent of drug impairment among drivers.

The survey found 16.3 percent of nighttime weekend drivers were drug positive.

NHTSA is conducting further research to assess how drug traces correspond to driver impairment since some drugs can remain in the body for days or even weeks. Should further research indicate that drugs pose the same type of traffic safety risk as alcohol, NHTSA is committed to applying lessons learned in fighting the drunk driving problem.

Among the findings of the latest roadside survey are these:

• The percentage of male drivers with illegal BAC levels was 42 percent higher than the percentage of alcohol-impaired female drivers.

• Drivers were more likely to be illegally drunk during late nighttime hours (1 a.m. to 3 a.m.) than during daytime or early evening hours.

• Motorcycle riders were more than twice as likely as passenger vehicle drivers to be drunk (5.6 percent compared with 2.3 percent). Pickup truck drivers were the next most likely to have illegal BACs (3.3 percent).

Drunk driving DUI is always been a big issue for insurance companies and also the offenders since the insurance company would increase the auto insurance rates for high risk. However, do not be disheartened for you will find cheap  SR22 car insurance.

Blake : Is it true that drug use is as dangerous as impaired driving ?

Response : Unfortunately this is true and another thing to be kept in mind is that it is considered a criminal offence and hence the claim can be denied on the basis of drug usage by an insurance company.

A new roadside survey by the National Highway Traffic Safety Administration confirms a continuing decline in the percentage of legally intoxicated drivers

In 1973, 7.5 percent of drivers had a blood alcohol concentration (BAC) of .08 or higher. In the latest survey, that figure had fallen to 2.2 percent. A BAC of .08 or higher is now above the legal limit in all 50 states and the District of Columbia.

NHTSA is conducting further research to assess how drug traces correspond to driver impairment since some drugs can remain in the body for days or even weeks. Should further research indicate that drugs pose the same type of traffic safety risk as alcohol, NHTSA is committed to applying lessons learned in fighting the drunk driving problem.

Among the findings of the latest roadside survey are these:

• The percentage of male drivers with illegal BAC levels was 42 percent higher than the percentage of alcohol-impaired female drivers.

• Drivers were more likely to be illegally drunk during late nighttime hours (1 a.m. to 3 a.m.) than during daytime or early evening hours.

• Motorcycle riders were more than twice as likely as passenger vehicle drivers to be drunk (5.6 percent compared with 2.3 percent). Pickup truck drivers were the next most likely to have illegal BACs (3.3 percent).

The 2007 survey involved more than 300 roadside locations throughout the U.S.

For DUI insurance you will have to obtain a SR22 car insurance and cheap sr22 car insurance can be found online. Drug usage is a criminal offence which is an exclusion for insurance.

Drivers who eat while driving run the risk of paying more for car insurance. It’s a fact, although it’s not officially one of the questions on an application for auto insurance.

Eating while driving is one of the most distracting things you can do, according to a study released by the National Highway Traffic Safety Administration (NHTSA) and the Virginia Tech Transportation Institute. Eighty percent of crashes and 65 percent of near-crashes involve driver distraction.

According to NHTSA, “Distracted driving and high risk was most likely to be involved in rear-end collisions in which the lead vehicle was stopped, as well as in single-vehicle crashes.” Distractions like eating can become a problem for drivers who can’t react quickly to a sharp curve or another driver’s sudden stop. Unfortunately, just one accident may increase your car insurance rates as much as 25 percent.

Top 10 foods to avoid while driving
1. Coffee. Even with a travel lid, hot coffee can find its way out of the opening when you hit a bump. 2. Hot soup. Many people drink it like coffee and run the same risks. 3. Tacos. Any food that can disassemble itself will leave your car looking like a salad bar. 4. Chili dogs. Huge potential for drips and slops down the front of clothing. 5. Hamburgers. From the grease to the toppings, it could end up on your hands and the steering wheel. 6. Ribs and wings. What’s more distracting than licking your fingers? 7. Fried chicken. More greasy hands. You’ve got to wipe them off while you’re driving. 8. Jelly donuts. It’s not possible to eat one without watching the center ooze out. 9. Soda. Carbonation. Fizz in the nose. Lids that leak. Disaster. 10. Chocolate. Try to clean melted chocolate off the steering wheel without swerving.

Avoid auto accidents, drunk drivining DUI, or driving offences and obtain a cheap SR22 car insurance quote can be avoided.