A picturesue drive – whether it’s across town or across the country – is a real treat during the fall when the colorful foliage is at its peak. Here are a few suggestions from some of the most trusted travel sources around:

• 10 Best Fall Foliage Trips in the U.S. (Fodor’s Travel)
• America’s Best Towns for Fall Colors (Travel+Leisure)
• America’s Best Fall Foliage Drives (Travel+Leisure)
• 12 Best Fall Foliage Trips (Budget Travel)

As alluring as the scenery can be, the weather can be unpredictable this time of year as well, and leaves falling on the roadway can make for hazardous driving.

Click "Read More" below for a few precautions can make your fall road trip a success.

It’s back-to-school time again. We thought it might be a good time to review some of those circumstances that are unique to the school year, especially as they relate to your insurance coverage and liability.

From bus riding, to carpooling, to securing your child's belongings, you can find helpful information by click "Read More".

Drivers are distracted in many ways, including everything from dealing with children, pets and other passengers, to operating the car’s climate controls, audio or navigation device, and from eating to old-fashioned map reading.  However, by far the deadliest distractions come from talking on the cell phone and texting while driving.  Moreover, using your cell phone while driving has been found to impair your ability to drive your car just as much as driving while drunk.

Types of Distractions

No matter what your distractions might be, they all fall into one of the following three categories according to which of your senses are distracted by the activity, and texting and other cell phone use combine all three. 

• Manual distractions – causing you to take your hands off the steering wheel
• Visual distractions – causing you to take your eyes off the road
• Cognitive distractions – causing you to take your mind off the road

According to research done by the National Highway Traffic Safety Administration (NHTSA), over half a million people were injured and over 6000 people died because of distracted or inattentive drivers in 2008.

When so many injuries and deaths occur from such a cause – and the number is increasing, then it raises our collective awareness and repercussions occur.

The Impact on Insurance and Industry

Obviously, the situation threatens a rise in auto insurance costs because insurance companies must pay increasing numbers of payouts; and this could result in increased premiums for all of us.  Therefore, insurers are taking part in the movement to control distracted drivers.

This growing problem has also captured the attention of industry because of the potential for lawsuits against employers for injuries and damage caused by employees who carry out their business by cell phone while they drive. 

Campaign Against Distracted Driving

As a result, a cross-section of safety and industry organizations, including the NHTSA, have joined in a campaign against distracted driving.  They are encouraging states to enact laws to prohibit texting while driving and have drafted a sample state law which was unveiled by U.S. Transportation Secretary, Ray LaHood, in February, 2010.

In fact, 19 states and the District of Columbia have texting laws in place covering all drivers, and others are pending.  State laws vary, and below are some examples as reported by the Governors Highway Safety Association: 

• Maryland bans hand-held cell phone use and texting for all drivers.  The law allows citation for hand-held cell phone use only if other violations are being cited; but Maryland drivers may be cited for texting even if no other violation has occurred. (Reflects law chnge in Maryland effective on October 1, 2010)
• District of Columbia bans use of cell phones and all handheld devices for all drivers (novice drivers with learners permit included), and citation is allowed even without other violations.
• Virginia bans cell phone use for all novice drivers under age 18 but allows citation only if other violations are being cited.  Cell phone use by Virginia school bus drivers is banned and allows citing even if no other violation exists.  Texting is banned for all bus drivers but allows citing only if another violation exists.
• West Virginia bans all use of cell phones including text messaging vices for novice drivers with learners and intermediate permits, and citation is allowed even without other violations.

Media Taking Action Against Distracted Driving

The public campaign to stop distracted driving – especially driving while texting and using a cell phone – is spreading, and the media is doing its part, as well.  Here are just a couple of recent examples: 

• You can find all the information and great resources on a new website opened by the NHTSA at www.distraction.gov .
• Among other high-profile public figures, Oprah Winfrey has made this cause a priority on her television show as well as on her website at www.oprah.com .  There, you can catch videos, stories and other features that will inform and challenge you to do your part.  You can take a quiz to test your knowledge about this serious topic, and you can even sign a pledge to make your vehicle a “no-phone-zone”.

What You Can Do

Whether you are a business owner, employer or just an individual concerned about your loved ones, you will want to minimize your risk by limiting your cell phone use and texting to non-driving time and by encouraging others who drive your vehicles to do the same.

No matter where you drive – from rural roads to suburban streets and even highways around our cities – the threat of a collision with a deer is real.

Deer collision accidents are on the rise, partially because the deer are being displaced from their natural habitat by urban sprawl but also because the deer population is growing.

In fact, the Insurance Information Institute reports that over 1 .6 million deer-vehicle collisions occur each year and these accidents cause vehicle damage, injuries and even fatalities at a cost in the neighborhood of $4.6 billion.

Learn more about deer collisions and how to stay safe during "Deer Season" by clicking "Read More" below.

 Winter has really arrived. With recent temperatures dipping lower each week and  the threat of ice and snow just around the corner, it’s not only unwise but unsafe to be unprepared for weather related driving  problems this winter.

Be a smart driver -- brush up on these common sense rules for safe winter driving.

1. Even if you didn't prepare for winter before this  wet, cold or icy weather by performing a complete vehicle check-up, do it now. Your auto tech will tell you that winter conditions present the greatest challenge to your vehicle’s operating efficiency.
2. Move your vehicle into the open to let it warm up so that you avoid exhaust build-up in your garage.
3. Check your tires frequently for proper inflation. If your vehicle owner’s manual does not specify, then ask your automotive technician about the proper inflation level.
4. Make it a practice to keep your fuel tank at least half-full – both to prevent gas-line freeze and to ensure that you won’t likely run out of fuel in an emergency.
5. If possible, don’t drive in bad weather; and if you must drive, try to be well rested and wait until snow plows and sand trucks have cleared the roads.
6. When driving on wet, snowy or icy roads, avoid using cruise control or overdrive.  Both detract from your full control of the vehicle in possible slippery conditions.
7. Use your seat belt and make sure that your seat and mirrors are properly adjusted for best visibility.  Wear sunglasses to reduce glare.
8. Don’t use your parking brake in cold or inclement weather, if at all possible.
9. If you experience skidding on slippery roads, always take your foot off the gas pedal and steer in the direction you want to go to recover from the skid.

One more essential:  Keep a Winter Driving Kit in your vehicle and stock it with: a bag of sand, salt or kitty litter, ice scraper, paper towels, shovel, snow brush, warning flares, window-washing fluid, a flash light, booster cables, a blanket, gloves and a cellular phone. You’ll have the peace of mind that comes from knowing you’re prepared for an emergency.

The key to safe winter driving is to plan ahead, know your vehicle, adapt to the weather and road conditions and know about your auto insurance coverage.

Here at the Henry A. Latimer Insurance Agency, we can help you evaluate your auto insurance coverage to be sure it is adequate should you encounter an accident on winter roads.  Why not contact us before your next road trip?

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