As if we didn't already have enough distractions, on-board GPS systems, portable DVD players, iPods, and smartphones have created more driving distractions than ever before. It's not uncommon for a vehicle to have ringing phones, cartoons blaring from the backseat, a GPS yelping directions, and fast-food fries flying around.
Organizations that run driver training or fleet programs may want to review Driving Schools Insurance for guidance on risk management and coverage options.
Even though elements like the above make it nearly impossible for a driver to devote full attention to the road, many drivers still think they're perfectly safe. Here's a simple yes-or-no quiz:
Quick yes-or-no quiz
- So long as I'm not watching, it's okay for passengers to watch a movie on the vehicle's in-dash video screen. No. Most front-seat in-dash screens either disable entertainment while the car is moving or they catch the driver's peripheral vision and distract them. Many state laws also regulate placement and use of on-board video screens.
- Have there been any criminal cases alleging electronic devices were the causative factor in vehicle accidents? Yes. For example, a driver who was allegedly watching a DVD when he struck another vehicle and killed two people was prosecuted on the premise that his conduct showed indifference to human life.
- In-dash monitors for rear-view camera and navigation purposes can be installed in the front seat. Yes and no. If the device prevents entertainment or business video while the vehicle is moving, it can be installed and used for approved safety or navigation functions.
- Is it okay to drive as you eat or drink? No. While eating or drinking may be less distracting than watching a movie or texting, any activity that removes your attention from driving increases crash risk by causing you to look away, remove hands from the wheel, or become mentally preoccupied.
- Does driver distraction cause very many accidents? Yes. Millions of crashes, injuries, and thousands of deaths each year in the U.S. are linked at least in part to distracted driving, roughly accounting for a meaningful share of overall crash statistics.
- Do federal laws govern the use of mobile devices like a GPS unit in moving vehicles? No. Mobile-device rules are typically set by states or localities; federal law does not broadly regulate everyday use of in-vehicle mobile devices while driving.
- Can the National Highway Traffic Safety Administration (NHTSA) regulate cell phone usage in moving vehicles? No. Cell-phone use laws are enacted at state or local levels, although the NHTSA can regulate vehicle equipment and how certain devices are used in motor vehicles.
- Are lawmakers concerned with vehicle crashes related to driver distraction? Yes. Many states have passed or considered legislation addressing distracted driving, and interest in such laws continues to grow.
- Do any states totally ban hand-held cell phone use while driving? Yes. Several states prohibit hand-held phone use for most drivers, and many jurisdictions restrict novice drivers from using hand-held or hands-free devices.
- Can your employer be held liable if you're using a cell phone and crash into someone or something? Yes. Under respondeat superior, an employer can be held civilly liable for employee actions committed within the scope of employment.
How many did you answer correctly? Maybe you learned a few new facts or gained a new respect for what you already knew. Either way, it's a good idea to put down the food, turn off your phone, and keep your mind and body focused on the road ahead.
For more about how distracted driving affects liability and insurance, see Distractions in Modern Driving and Insurance Implications.
If you have questions about coverage or how an incident might affect your policy, talk to an agent about your specific situation.
Frequently Asked Questions
Is hands-free phone use safe while driving?
Hands-free devices reduce manual distraction but can still cause cognitive distraction; minimizing phone conversations while driving is safest.
Can texting while driving lead to criminal charges?
In severe cases where distracted driving causes serious injury or death, criminal charges may be possible depending on jurisdiction and circumstances.
What can employers do to reduce distracted driving risk for employees?
Employers can adopt clear policies, provide training, limit device use while driving, and implement hands-free or telematics solutions to monitor fleet safety.
Are in-dash navigation and backup cameras allowed?
Navigation and safety camera displays designed to disable entertainment while moving are generally permitted, but placement and use may be regulated by state law.