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Get your auto insurance discount now. Why wait? What drivers really do behind the wheel
Most people doing more than driving behind the wheel Risk of having accidents increases when driver distracted Trying to discipline kids doubles risk of accident Survey: One-third of drivers read on the road Defensive Driving New York By Jon Gromer
(AOL Autos) -- If every accident report filed with insurance agencies were true, America's roads would be a wild freak show of deer large enough to span four lanes and rockslides that toss boulders and trees into the path of traffic about every five minutes.
It seems that, like the cast of 'Heroes,' almost every driver has the secret ability to do complex tasks while driving, and when things go wrong there's a shroud of secrecy. We unearthed information from the Network of Employers for Traffic Safety (NETS) and, for fun, conducted our own survey. We wanted to determine the number of gifted individuals in the U.S. who are too advanced to just drive when behind the wheel.
The scary thing is that no matter what your dark little secret might be, driver, you are far from alone. Defensive Driving Schedule Here
Watching the road can be monotonous when behind the wheel. Some 32 percent of drivers who responded to the NETS survey have an interesting way to liven up the experience a little -- they read! The survey didn't account for whether the driver was reading a map or mystery novels, but according to a recent study completed at Virginia Tech's Transportation Institute, it doesn't really matter. Your chances of a near-accident or crash are 3.4 times greater when you try to determine who done it or which way it is to Albuquerque.
Many of us loathe seeing the driver who is trying to steer and stuff their face at the same time. Strangely enough, NETS reports that 70 percent of their surveyed drivers do it. We looked up this habit in the Virginia Tech study to asses the risk of living the meals-on-wheel lifestyle and didn't find it specified. The study does mention that habits requiring multiple steps and/or involving several glances away from the road up the chances for danger by two to three times.
Think those folks you see behind the wheel combing their hair, applying makeup or shaving are part of a very small, lunatic fringe? Think again: 18 percent of respondents to the NETS survey 'fessed up to these behind-the-wheel primping techniques. They also gamble with three times greater odds of being in an accident or narrowly avoiding one.
Another group of drivers facing the same risk factor are the 10 percent who prepare for work while driving. What are they typically doing? You know, work stuff -- reviewing notes, talking on the phone, making lists, or using a computer -- while piloting a two-ton-plus machine during rush hour.
Much more understandable than using a computer while driving, are the poor souls who have to deal with rambunctious kids in the backseat. The NETS survey showed that 39 percent of drivers tend to their children while they drive. Unfortunately, the statistics aren't quite as compassionate. At best, those who look away from the road for long glances at bad behavior double their risk for an accident. Reaching for a moving object while driving increases your chances of a near miss or accident nine times. That same risk applies to swatting at the occasional bee that gets through the window.
Things get interesting when it comes to cell phone usage. Of those surveyed, 51 percent say they use a cell phone when driving, but the specifics of those who use a handheld versus those who use a hands-free system weren't collected. There's a world of difference between the two, right? Wrong.
According to psychologists at the University of Utah, drivers talking on cell phones are as bad as drunks behind the wheel. It seems that the conversation itself gives you the level of impairment of someone with a blood alcohol level of 0.08 percent -- the legal limit.
This correlates with a recent survey by the Insurance Institute for Highway Safety suggesting that use of a cell phone while driving, handheld or hands-free, increases your chances fourfold of being in a serious accident. The IIHS survey correlated usage data from cell phone companies with accident information in Australia.
Virginia Tech's study posts a 2.8 factor increase for dialing a handheld cell phone, but talking or listening to a handheld device has a negligible effect on chances for danger.
If it's discovered that the quality of the conversation really impacts safety on the road, we're all in for a shock. Some 90 percent of NETS respondents carry on conversations with passengers when driving. NETS included chatty drivers as a potential distraction factor before reports began surfacing about the impact of cell phone conversations.
According to the Department of Transportation, distracted driving is responsible for 4,000 to 8,000 accidents per day in the United States.
To get the most recent snapshot of what drivers are doing behind the wheel, we polled about a tenth of the number of people NETS did (1,013).
Lastly, here's a glimpse into just how much more needs to be learned about driving distracted. Nearly 84 percent of drivers told NETS that they adjusted their vehicles' controls (air conditioning and audio system) while they drove. You're probably thinking the same thing we did: Of course I do!
Depending on how you make your adjustments, you could face the same risk as those who eat behind the wheel. You increase your chances of danger by two to three times if said adjustments require multiple steps or multiple glances away from the road. Factor in GPS devices, MP3 players and all sorts of other modern equipment making their way into cars, and this risk gains a lot more weight.
Naturally, legislation is trying to catch up to these factors so we don't have to start driving with helmets and protective padding. The Governors Highway Safety Association notes that 14 states and the District of Columbia have laws mandating hands-free cell phone use on the books or regulations regarding their usage. California and Washington will be joining the roster in 2008, and by that time they'll be 17 states (and D.C.) that prohibit teens and inexperienced drivers from adding cell phone calls or texting to their list of distractions. Twenty-eight states are collecting information on cell phone usage in crash data.
For other issues that would be really tough to regulate, there's ongoing research and education initiatives. Those span everything from an NHTSA-funded Harvard study on how to help drowsy drivers to TV spots from agencies like the American Motorcycle Association that warn of the impact of distracted drivers.
Automotive options like the conversation mirror and hands-free in-car communications systems are also the fruit of recent initiatives that look into driver workload metrics -- the study of just how much work drivers are doing besides driving. The conversation mirror, available in many family vehicles, provides a safer alternative to turning around to give the "If you do that one more time ..." stare by keeping the driver's forward vision intact.
Is the public bus or train starting to look a little more attractive to you yet? Zip codes 10013, 10701,10703,10704,10705,10706,10707,10708,10709,10710,10463, 10466, 10469, 10470, 10471, 10577, 10580, 10007, 10009, 10010, 10011, 10012, 10014, 10016, 10017, 10018, 10019, 10023, 10023, 10024, 10025, 10173, 10530,10532, 10533,10538,10522,10514,10523,10543,10550,10551,10552,10553,10557,10558,10562. 10583,10591,10594,10595, 10598,10601,10602,10603,10604,10605,10606,10610,10801,10802,10803,10804,10805 10012, 10013, 10014, 10003, 10009, 10002, 10007, 10004, 10005, 10048, 10038, 10011, 10010, 10001, 10018, 10016, 10019, 10017, 10038, 10021, 10022, 10023, 10024, 10025, 10026, 10027, 10028, 10029, 10030, 10031, 10032, 10033, 10034 If I get a ticket for a moving violation in another state, do I receive points on my NYS driver license?The NYSDMV does not record out-of-state violations committed by NYS drivers in other jurisdictions. The exceptions are alcohol-related violations, drug-related violations, and moving violations committed in Quebec or Ontario. Under special agreements, traffic convictions in Quebec or Ontario are recorded on NYS driver license records and carry points. Except for violations in Ontario and Quebec, points are not added to your NYS record for out-of-state violations. If you do not respond to a ticket or fail to pay a fine for a moving violation that you committed in any state except Alaska, California, Michigan, Montana, Oregon or Wisconsin, the DMV suspends your NYS driver license until you respond to the ticket or pay the fine. If a driver from a state except these six states fails to respond to a traffic ticket issued in NYS, their driver license will be suspended until the driver responds to the traffic ticket in NYS. Drivers from other states must contact the DMV in their home state to get information about the effect of a traffic violation conviction that occurs in NYS. If you receive a conviction for an alcohol-related or drug-related driving violation in any state, your NYS driver license is revoked for at least six months. http://nydmvapproveddefensivedriving.com/ | | NY DMV PIRP Pamphlet Point & Insurance Reduction Program The Point & Insurance Reduction Program (PIRP), approved by the Department of Motor Vehicles, is available through private companies or corporations, called “course sponsors,” throughout New York State. Each qualifying course must meet strict standards for the safe driving information presented and program effectiveness. If you complete an approved PIRP course: 1. It will help refresh your driving knowledge with a review of time-tested safe driving tips and an overview of today’s vehicles and traffic laws. 2. You may be eligible to reduce as many as four (4) points on your driving record. The DMV computer will automatically note your eligibility to receive the reduction. 3. If you are the principal operator of a motor vehicle, you will receive a minimum 10% reduction in the base rate of your automobile and motorcycle liability and collision insurance premiums each year for three years. Questions and Answers About… The Course Q. How much time does the PIRP course take, whit is it like, and what does it cost? A. Each course is at least six hours long, and is presented in one or more classroom sessions. (Note: The motorcycle safety/accident prevention-courses take substantially longer.) Essential information about traffic safety issues such as driver attitude and behavior, defensive driving techniques, and the Vehicle & Traffic Law must be presented in each course. Additional content, approach, materials and fees vary from one sponsor to another. No formal testing is required to complete the course. For information on where to attend a course, consult your local telephone book under “Driving Instruction” or equivalent sections. You may also contact one of the program sponsors presented in the DMV publication, “List of Course Sponsors” (C-31), available at any state or county motor vehicle office and by request from DMV Call Center and the DMV Internet Office. Point Reduction Q. After I complete the PIRP course, how do I receive the point reduction?
A. The PIRP sponsor will notify the DMV within ten weeks after you complete the course. A notice will hen be entered on your driving record, and the DMV computer will automatically reduce your active point total by up to four points. Important: Completion of a course under the “Point & Insurance Reduction Program” does not remove, delete, or subtract, or erase any violation, conviction, or notice of original number of points from your driving record. Even after you complete the course, most violations, conviction and points assessed will continue to show on your driving record for up to four years. Violations and convictions involving drugs or alcohol will remain on your driving record for ten years. “Point reduction” means the DMV will not count up to four points on your driving record toward license revocation or suspension. Q. How do I know my driving record shows my PIRP course completion?
A. If you need to verify the course completion has been entered on your record, you may request a copy of your driving record from the DMV. To do so, you must complete a “Request for Driver and/or Vehicle Record Information” (form MV-15), available at any motor vehicle office. You may also download this form from the DMV internet office. If your course completion is not noted on your driving record more than ten weeks after you completed it, contact the course sponsor. Q. What effect does point reduction have on my license and driving record?
A. Point reduction applies only to points assessed for violations that occurred within the eighteen months immediately before course completion. It does not affect points for earlier violations, and cannot be used as “credit” against future violations or points. Point reduction cannot reduce your point total lower than zero. If your license has already been revoked or suspended, or if a violation hearing has already been scheduled, point reduction will not affect that action. Point reduction does not prevent or cancel a mandatory revocation or suspension for violations such as DWI, DWAI, or three speedy violations within 18 months. Points may be reduced only once in any 18- month period. The DMV point system and insurance company “point” systems are separate and not related. Point reduction on your driving record does not affect points assigned by your insurance company for violations and accidents. Completion of a course under the “Point & Insurance Reduction Program” also cannot prevent or reduce the calculation of points affecting a “Driver Responsibility Assessment.” The most recent information about the “Driver Responsibility Assessment” program is available from the DMV Internet office. Insurance Reduction Q. After completing the PIRP course, how do I receive the insurance reduction?
A. The course sponsor should mail you a completion certificate within 45 days after you complete the course. If you present your certificate to your insurance company or agent within 90 days after course completion, your liability and collision premium reduction will begin immediately, retroactive to the date you completed the course. If you present your certificate more than 90 days after course completion, the insurer may issue the premium discount effective from the date presented. If you do not receive your certificate within eight weeks after completion, immediately contact the program sponsor. You may take the course once every 36 months to maintain insurance reduction benefits. Q. Will the PIRP course prevent my insurance company from raising my premiums?
A. No. Insurance reduction does not prevent general premium increases, or premium increases due to violations or accidents. It provides a 10% reduction for three years, from the base rate of your current liability, no-fault and collision premiums. Q. What if more than one person named on a policy completes the PIRP course?
A. The insurance premium reduction applies to all motor vehicles principally operated by the motorist who completes the course. The discount can be applied to only one driver for each covered vehicle. Q. If I complete a DMV approved motorcycle safety/accident prevention course, does the insurance reduction benefit extend to my automobile coverage? A. Yes, The reduction applies to the liability and collision insurance premiums for both your motorcycle and automobile. NY PIRP Pamphlet
Q. Will youthful operators and drivers participating in assigned risk pool receive the insurance premium discount? A. Yes. Any insured driver who is the principal operator and completes a Point & Insurance Reduction Program course will receive the discount. Q. If a youthful operator is already receiving a driver education discount, will the PIRP discount also be applied?
A. Check with your insurance company or agent to find out if both discounts will be given at the same time. DMV Point System Summary The following table shows the point values assigned to moving traffic violations. The “points” are assessed against your driving record based on the date you committed the violation, not the date you were convicted in court. If you accumulate 11 or more points in 18 months, you will be called to a DMV hearing, after which your license may be suspended or revoked. You will be offered to option of waiving the hearing or accepting a definite period of suspension. Some license revocations and suspensions are mandatory and do not depend on points. These include three speeding violations within 18 months, and convictions involving alcohol or drugs. For information about license suspensions and revocations, please refer to the publication “Suppose Your License Were Taken Away” (C-12), available at any motor vehicle office. VIOLATIONS POINTS
Speeding (mph over posted limit) 1 to 10 3 11 to 20 4 21 to 30 6 31 to 40 8 More than 40 11 Reckless Driving 5 Failure to stop for a School Bus 5 Following too closely (tailgating) 4 Inadequate Brakes 4 (while driving employer’s vehicle) 2 Failing to Yield Right-of-Way 3 Violation Involving Traffic Signal, Stop Sign, or Yield Sign 3 Railroad Crossing Violation 3 Improper Passing or Lane Use 3 Leaving scene of an incident involving Property damage or injury to an animal 3 Safety restraint violation Involving person under 16 3 Any other moving violation 2 For Your Records: Your course sponsor: ____________________________________________________________________ Sponsor’s phone number: _________________________________________________________________ Delivery Agency Name and Location: _______________________________________________________ Instructor’s name: _______________________________________________________________________ Date you completed the course: ____________________________________________________________ Please visit our Internet Office at: www.nysdmv.com | |