We often think about risk management from a business perspective, but have you ever considered what that looks like for your personal auto policy? You can’t protect yourself from every disaster on the road, but you can take a few simple actions to reduce your risk.


Stay Focused

Start with your focus when you get behind the wheel. Distracted driving dramatically increases your chances of getting into a crash. So, what is distracted driving?


The Obvious: 

  • Texting
  • Drinking
  • Talking on the Phone
  • Grooming
  • Reading
  • Reaching for Objects in the Backseat


Less Obvious but Still Dangerous:

  • Driving while in an emotionally heightened state
  • Eating
  • Checking on a child or pet
  • Attempting to navigate while still on the road
  • Messing with the buttons on the radio
  • Not getting enough sleep


All of these factors play into your ability to see disaster coming before it strikes. Remember, when you get behind the wheel, you are not just relying on yourself to stay in your lane to get safely to your location. You are also relying on your reactions to get out of the way when someone else fails to stay in theirs.  


If you need to go into work an hour late so you can get some more sleep, or pull over so your maps can load or you can tend to a fussy child, do that. Running behind schedule is far better than it is to get into an accident, which will make you late anyways.


Defensive Driver vs. Aggressive Driver


Even if you have proper focus while driving, you have to make sure you are behaving safely as well. We’ve all seen that car or truck zoom over 5 lanes at the last minute, so they don’t miss an exit. This is dangerous behavior. That person could cause a multiple car pileup if they hit someone in the process.


It’s frustrating to have to double back when you miss an exit, we get it, but avoiding that frustration isn’t worth putting lives in danger. If you have to miss an exit, take a deep breath, let it go, and know the world won’t end while you are re-routing yourself to your destination.


Your behavior also effects how you interact with other drivers. Road rage is very dangerous. It can lead to shootings, fights, and major accidents. If someone cuts you off, honks, or gestures inappropriately at you from their vehicle, ignore them. Protecting your pride by reacting back could create a hazardous situation.


Don’t Forget the Drivers Manual


For many of us, it’s been decades since we read that boring book and took that annoying test at the DMV. We drive every day, and we don’t think much of it. That book was created to help keep you and everyone else on the road safe.


Do your part by driving correctly. Use your turn signals, obey the speed limit, be courteous to other drivers, change one lane at a time, and always be aware of emergency responders and other hazards on the road.


As your auto insurance provider, we have your back if you do get into an accident, but we would much prefer you never have to call us to make a claim. 

Posted 4:15 PM

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