Failing to pay attention to the road while behind the wheel of a car can have serious consequences. To stay safe and avoid higher car insurance premiums, don’t engage in distracted driving. Find out what this means below.

What Is Distracted Driving?

The Centers for Disease Control and Prevention defines three types of distracted driving: manual, visual, and cognitive.

Texting is a common example. When you key in a message, you remove a hand from the wheel. You also glance at the phone to check what you’ve written, plus your brain has to compose the message. Texting is thus a manual, visual, and cognitive distraction.

Talking on the phone with a hands-free device also qualifies as distracted driving. Even if your hands are on the wheel and your eyes are on the road, you are mentally distracted. Other examples include fiddling with the vehicle's entertainment or navigation system as well as eating or drinking.

Why Is Distracted Driving a Problem?

When you engage in distracted driving, you increase the risk of getting in an accident. This can entail financial repercussions, like auto repair costs and higher car insurance premiums. In the case of a serious crash, you may harm yourself or others.

According to the National Highway Traffic Safety Administration, distracted driving was responsible for 2,841 deaths in 2018 alone. Hawaii ranks fifth among states with the most distracted-driving fatalities after New Mexico, Kansas, Kentucky, and Louisiana.

How Can You Avoid Distracted Driving?

Don’t take any risks. If you have to make a call or send a text, pull over to a safe space first. Don’t eat or drink behind the wheel, and avoid engaging in conversations while driving.

Founded in 1911, First Insurance Company of Hawaii has helped keep locals safe for over 100 years. This insurance carrier offers comprehensive business and personal coverage, represented by a statewide network of 27 independent insurance agencies, allowing you to get all of your coverage in one spot. Find out more about their products, from homeowners to car insurance, online. To speak with a member of their team directly, call (808) 527-7777.