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Automobile Insurance FAQ'S
- Watch the weather
- Look both ways at intersections
- Keep your distance
- Get a grip (on the steering wheel, that is)
- Stay awake
- Don't talk on the phone
- Use the breakdown lane only in a real emergency
- Don't let the kids distract you
- Check your tires
- Wear your seat belt correctly
Watch the weather
In any kind of stormy weather, the key to driving safely is
to slow down. Here are some more tips:
- Fog: Avoid driving in fog, but if you must, set your
headlights on dim (or low beam). If visibility becomes
so poor that driving safely becomes impossible, pull as
far off the road as you can and stop.
- Rain: Keep your windows from fogging up by using the
defroster or air- conditioner (if necessary, open the
window slightly). Turn your lights on, day or night.
- Snow or ice: Brake gently and early, turn cautiously,
and increase your following distance. And be alert for
changing road conditions (such as patches of ice or
slippery snow).
Look both ways at intersections
Don't pull away from a sign or a light until you're sure
other drivers are stopping or yielding. Wait a few seconds
after a light turns green before proceeding to protect
yourself against a driver running a red light.
Keep your distance Drivers commonly tailgate because they underestimate how
much stopping distance they really need. In general, under
good weather conditions you need to keep at least two
seconds of distance between you and another car (increase
this to three or four seconds if you're going over 35 mph).
To make sure you're traveling at a safe distance, select a
landmark such as a tree or a sign. Then, as the car ahead of
you passes this point, count "one thousand one, one
thousand two." If you reach the landmark before you get
to one thousand two, you're following too closely.
Get a grip On the steering wheel, that is. Don't drive one-handed,
because if you're hit unexpectedly, you might lose control
of your vehicle. Place both hands in a comfortable position
on opposite sides of the steering wheel. And look ahead to
anticipate obstacles you may need to steer around.
Stay awake Falling asleep at the wheel can occur at any time, but it's
especially common late at night or early in the morning. If
you find yourself getting sleepy at the wheel, try:
- Pulling over in a safe place and take a break until
you feel more alert
- Lowering the temperature inside your car (open a
window or turn on the air- conditioner)
- Sharing the driving with someone else, especially if
you are on a long trip
Don't talk on the phone
People who talk on cell phones while driving are much more likely to have accidents as a result of distraction. If you must use your cell phone when you drive, install a hands-free device. But if the conversation is complicated or emotional, pull off the road to a safe location to talk.
Use the breakdown lane only in a real emergency Many tragic accidents occur when drivers are stopped in the breakdown lane and are hit by other vehicles. Don't stop in the breakdown lane to talk on your cell phone, to rest, or to eat. But in case of emergency:
- Pull off the road as far as possible.
- Make sure you are visible to other drivers by turning on the emergency flashers, setting up a warning triangle, and using flares or portable warning lights.
- Get help right away if you need it. Call a tow truck or the police on your cell phone, raise your hood or tie a white cloth on your mirror to signal for help, or put a sign in your back window.
Don't let the kids distract you Drivers weaving on a highway might not be under the influence of alcohol they might have kids in the back seat! Refuse to let your kids distract you when you drive. Have a plan to deal with arguments in the car. If they drop something, don't try to pick it up. If all else fails, pull off the road until things settle down.
Check your tires When was the last time you inspected your tires? Accidents caused by tire failure are frequently preventable. Keep an inexpensive tire gauge in your vehicle and check your tire pressure every time you get gas (the manufacturer's recommended pressure is usually posted inside the door of your car or in your owner's manual). And inspect your tires regularly to spot cracks, bulging, worn spots, or shallow tread.
Wear your seat belt correctly You may wear your seat belt regularly, but are you wearing it correctly? If not, it may not protect you in an accident. Fasten lap and shoulder belts snugly, wearing the lap belt on your hips, not on your stomach. And wear your seat belt even if your car has an air bag. The air bag won't protect you from being thrown around or out of the car in an accident.
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