The Majority of Car Accidents Are Caused By A Driver Who Was Distracted

According to Eric Bolton, a spokesperson for the National Highway Traffic Safety Administration (NHTSA), most car accidents are caused by a driver who was distracted. Every day, nine people die because of distracted driving, and far more have close calls because of multi-tasking behind the wheel. If you’ve ever looked around while driving around Las Vegas, you’ve probably noticed how many people are dividing their attention between driving and texting, surfing the internet, or searching for the next song to listen to. It’s not hard to see how this habit can result in a tragedy. Fortunately, there is an increasing number of tools to help drivers stay safe and alert when driving. 

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Top Reasons for Distracted Driving

Unsurprisingly, our smartphones are the most common of driving distractions. From reading and sending texts to looking up directions, many drivers divide their attention between their driving and their cellphone – often, unsuccessfully. A text takes an average of five seconds to read, and whether you’re traveling at high speeds down the interstate or driving through a residential neighborhood, a lot can happen in that small window of time. Studies have shown that 97.5 percent of people cannot safely drive and text at the same time. Unless you are in the 2.5 percent that can, (most think they are in that 2.5%) you should put the phone away when you’re behind the wheel. Move it out of your reach.

This is just one the most common distractions that drivers face. Others include eating and drinking, driving with kids or pets in the vehicle, picking the next tune by tuning the radio, conversations with other adult passengers, and road rage. Anything that pulls your attention away from your driving has the potential to cause an accident.

How Phone Apps Help

Old habits die hard, and no matter how dedicated you are to safe driving, you may automatically reach for your smartphone the next time you hear the ding of an incoming text. To combat this prevalent issue, app developers are working to make your smartphone a tool for fighting, rather than causing, distracted driving.

Different distracted driving apps offer a variety of different features, from tracking how many miles you’ve driven safely to blocking incoming calls, texts, and notifications. Some even offer location sharing or send out a parent notification when their teen driver has arrived at their destination.

For example, Farmers Insurance has recently launched Signal, an app that helps drivers track their habits. It analyzes and provides ongoing feedback regarding driving habits, helping subscribers recognize when and where they’re most likely to get distracted. It provides a personalized map that shows the driver their route, their mileage, and how much time they spent behind the wheel, and it highlights unsafe habits and incidents like sudden braking and excessive speeding.

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Top Affordable Health Insurance Options in Nevada For 2021

Top Affordable Health Insurance Options in Nevada For 2021

When choosing the best health insurance coverage, it is important to consider your expected medical expenses. Depending on your income and the plan you choose, you may qualify for premium tax credits and cost-sharing reductions, making robust health insurance coverage even more affordable.

Top Affordable Health Insurance Options in Nevada For 2021

How To Find Auto Insurance After A DUI Charge

Risky behavior, such as driving under the influence of drugs or alcohol, is a big red flag to auto insurance companies and usually results in a significantly higher monthly premium. While your auto insurance company cannot drop you as a customer after you receive a DUI, they can decide to not renew your policy after your term is up.

Top Affordable Health Insurance Options in Nevada For 2021

Does Auto Insurance Cover Riots?

No one wants to be victims of property damage resulting from rioting, and fortunately, auto insurance companies already have provisions for this risk in their coverage options. In fact, there is no need to purchase separate riot, vandalism and civil commotion coverage; if you have comprehensive auto insurance, you most likely have this coverage.

Let Nevada Insurance Enrollment Help You Choose An App

Distracted driving apps are highly beneficial for drivers who have difficulty maintaining their focus, and as a bonus, some apps can even score you a discount on your auto insurance. Talk to your insurance agent to learn more about distracted driving apps and choose one that fits your lifestyle. One such app is Lifesaver, however, there are many others.

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Adding MED PAY To Your Auto Insurance Policy

Med Pay is a great benefit to be added to your auto insurance policy. Med Pay is usually available in lower sums, like $1000, $5000, etc., regardless of who’s at fault in an accident. Med Pay can be used to pay for some of you and your passengers’ health insurance related costs.

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Discounts and Bundles to Reduce Auto Insurance Premiums

Most insurers offer a variety of discounts that can help you save money on your monthly insurance premium. Most drivers know that if they insure two cars under one auto insurance policy, they’ll pay less on that one policy than they would on two separate policies.

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Personal Auto Insurance vs. Commercial vs. Rideshare

Determining if you can use a personal auto insurance policy or that you should get a commercial auto insurance policy can be tricky. Sometimes you can buy a personal auto policy for business use and can be enough for some businesses. But if you are required to cover high liability coverage, have an unusual vehicle to insure, haul equipment, are a taxi or rideshare driver, you are probably going to need commercial auto insurance or special endorsements and coverages.

Top Affordable Health Insurance Options in Nevada For 2021

No Qualified Health Plans in 14 Nevada counties for 2018

The Division of Insurance (DOI) stated that Nevada’s insurance carriers have decided to only offer coverage to Clark, Washoe, and Nye counties beginning in 2018. Nevada’s Exchange actively exploring potential solutions and resources for consumers facing limited to no coverage options.