Dangers of Distracted Driving

Distracted driving is any activity that could divert your attention away from the main task of driving.1 It is something that is both dangerous and disturbingly common. In fact, drivers spend more than half of their time focused on things other than driving.2 You may be surprised to learn that cell phones and texting are just part of the problem when it comes to distracted driving. While stowing your phone while you drive is an important safety step, other behaviors behind the wheel, from drinking coffee to using a navigation system, may also be putting you at risk.

“The fact is, everything that occupies your mind or your vision can contribute to distraction behind the wheel,” explains Chris Hayes, Safety Professional from Travelers. “While many distracted driving studies focus on cell phones, any type of multi-tasking activity and driving simply do not mix.”

A list of driving distractions may include:

  • Dialing or using a smartphone;
  • Texting;
  • Eating or drinking;
  • Talking to passengers;
  • Grooming;
  • Reading;
  • Programming a GPS or navigation system;
  • Adjusting a radio or MP3 player.

Cognitive Distraction

It may not be surprising to learn that your brain is only capable of processing a certain amount of information at any given time.

When we attempt to perform multiple tasks at the same time, like driving while talking on the phone or eating, we can encounter performance problems. Multiple tasks tend to compete for our brain’s attention.

Visual Distraction

It may sound like an assumed fact, but you have to look where you are going when driving. Regardless, we see people driving without looking where they are going every day. Driving while visually distracted can be as dangerous as driving with your eyes closed. You would not make a turn or change lanes with your eyes closed, yet, distracted drivers are, in effect, doing just that.

Imagine driving the length of a football field with your eyes closed. That is the equivalent of texting while driving at 55 mph. Because texting takes our attention away for an average of 4.6 seconds3, we are 23 times more likely to be involved in a crash.

Some other common distractions most of us are very familiar with include eating, adjusting music or GPS devices, applying makeup, reading, and reaching for moving objects. Each of these tasks can dramatically increase your odds of getting into an accident.

Texting while driving is particularly dangerous because it requires manual, visual and cognitive distraction at the same time, according to distraction.gov, the U.S. government’s official website on distracted driving.

Cognitive, Visual or Both?

Distraction can keep you from driving safely in multiple ways. Any distraction, regardless of how quick or harmless it may seem, should be avoided when you are behind the wheel. Remember to keep your eyes and brain focused on the road at all times.

Setting a Good Example

Avoiding sending text messages or calling someone you know is on the road can help prevent them from distraction. Parents can set a good example for children by modeling attentive driving, including putting away the phone and not eating or grooming behind the wheel. Learn more about talking to your teen driver.

Sources: 1 U.S. Department of Transportation, http://www.distraction.gov/stats-research-laws/facts-and-statistics.html. 2 AAA Foundation for Traffic Safety, https://www.aaafoundation.org/sites/default/files/DistractedDrivingBrochure.pdf. 3 Driver Distraction in Commercial Vehicle Operations, FMCSA, 2009.


What is Excess Liability Coverage?

This coverage provides extra liability limits over an Umbrella policy. This coverage typically follows the terms of the first underlying insurance policy.

Higher limits may be necessary for businesses with high loss potential, high profile, sizable sales, numerous assets, large auto fleets, worldwide presence, significant public exposure.

Talk to ALLIANCES INSURANCE AGENCY, LLC today about your business operations and we can advise you what kind of liability coverage you need to protect yourself and your company. Just give us a call at (267) 614-4234 and we’ll help make sure you’re covered.

 


Umbrella Insurance

Umbrella Insurance is extra liability insurance that goes above and beyond the limits of the insured’s property, vehicle, business, or watercraft insurance. It can protect you against some lawsuits not covered by your other insurance policies. One example would be if you were sued over an accident involving a boat that you rented while vacationing in Europe. It also provides coverage for some claims that may be excluded by other liability policies including, but not limited to: false arrest, libel, slander, and liability coverage on any rental units that you may own.

The more that your assets increase or the more income that you accrue, the more likely it is that you would benefit from an umbrella insurance policy. If you are concerned about losing assets or income or being involved in a lawsuit, call or email Alliances Insurance Agency, LLC today and we can help you find the right coverage for your needs.

There are many money saving discounts that are available if you are already have other insurance policies with Alliances Insurance Agency, LLC. The cost of an umbrella policy depends on how much underlying insurance you have and the kind of risk you represent. The greater the underlying liability coverage, the less expensive the policy will be since you would be less likely to need the additional insurance. An umbrella policy is the absolute best buy in the insurance business. It can cost as little as $150 to $200 for the first $1 million of coverage, then about $100 for each additional $1 million.


What do I need to know about RV Insurance?

  • RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation.
  • Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.
  • You may be able to choose how your comprehensive and collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:
  • State Value – market value / actual cash value of the RV
  • Agreed Value – the insured amount, regardless of the current market value
  • Replacement Cost – we will replace your insured RV with a new RV that is most like it
  • Consider Vacation Liability Coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.
  • Personal Effect Coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.
  • Some policies include roadside assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.
  • Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.
  • Other additional coverage can include: accident forgiveness, pet coverage, diminishing deductible, and more.
  • Discounts can lower your premium. Ask us whether you qualify for safe driver discounts, original owner discounts, package discounts and more.
  • You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

How do I keep my motorsports insurance costs down?

Several factors can affect the cost of insuring a specialty vehicle. So what can you do to keep your rates low?

  • Be Safe – If you have violations on your driving record or claims on your insurance policy, your rates will likely be higher.
  • Choose Your Vehicle Carefully – Some models of ATVs, snowmobiles, dirt bikes or other off-road vehicles are considered more aggressive machines, and typically cost more to insure.
  • Own More Than One – With many carriers you can receive a discount if you insure more than one specialty vehicle on your policy.

Motorsports Insurance

There is no doubt about it that the great outdoors is a fun and relaxing way to spend your free time with friends or loved ones. Whether you are hitting the trails, the links, the mountains or just exploring the outdoors, the last thing that you want to worry about is whether or not your insurance policy has you protected.

Not sure if you need Motorsports Insurance? Most specialized vehicles are not covered under your standard auto or home insurance policies, especially when you are not on your own property. Many national, state or other public parks require specialty vehicle riders to be properly insured.

Alliances Insurance Agency, LLC can help you get the specialized coverage that you need for your specialized vehicles. Talk to us today about any and all of your off-road y=toys: All-Terrain Vehicles, dirt bikes, dune buggies, golf carts, snowmobiles, and any other motorsports insurance.  We can help you protect your investment and let you focus on having fun!!


RV Insurance

RV insurance is a specialized type of insurance for your home-on-the-road. RV insurance can protect your motor home, travel trailer, camper, and even your horse trailer. It requires its own special kind of insurance because it covers many risks such as personal belongings coverage, total replacement coverage, and coverage for full-timers.

Custom build your own RV insurance policy. You can choose a basic policy or add fully-loaded coverages depending on how many items you want to insure (i.e. furniture, television, etc.) or how often you use your vehicle. Alliances Insurance Agency, LLC can help you select the right coverage for your RV needs and get a great price at the same time. Call us today at (267) 614-4234.


Classic Car Insurance

Your Classic Car Is An Icon. Insure It Well

It takes more than age to make it a classic. A collector car isn’t just a way to get around. It’s an investment that will continue to appreciate in coming years.

Not all classic or antique cars are used the same. We will work with you to select the appropriate policy to accommodate coverage needs, miles driven, vehicle age, and vehicle modifications to make sure you have the best policy to meet your needs.

Talk with ALLIANCES INSURANCE AGENCY, LLC today to identify the best combination of coverage, value, and price for you. We can help make sure your insurance continually meets your needs. Give us a call today at 267.614.4234.


What do I need to know about Boat Insurance?

Here are some items you’ll need to consider when shopping for boat insurance:

  • NAVIGATIONAL AREA

    Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.

  • AGREED VALUE COVERAGE

    Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

  • LIABILITY

    Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

  • MEDICAL PAYMENTS

    Medical Payments Coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • PHYSICAL DAMAGE COVERAGE

    Physical Damage Coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

  • UNINSURED / UNDERINSURED WATERCRAFT BODILY INJURY

    Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • FUEL SPILL LIABILITY AND WRECKAGE REMOVAL

    Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

  • PERSONAL EFFECTS

    Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state. Personal effects coverage does not include jewelry, watches or furs.

  • UNATTACHED EQUIPMENT COVERAGE

    This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

  • EMERGENCY ASSISTANCE

    The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

ALLIANCES INSURANCE AGENCY, LLC can help you determine the right amount of coverage to meet your specific needs. Contact us to find out how to get the best boat and watercraft insurance coverage for you.


Boat & Watercraft Insurance

Insurance Coverage For The Captain Of The Ship

ALLIANCES INSURANCE AGENCY, LLC can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You will enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.