Why Isn’t Texting While Driving as Taboo as Driving Drunk?

Research has shown that a driver texting while behind the wheel is as  dangerous as a drunk driver. In fact, drivers who send texts while driving are  23 times more likely to be involved in an accident than those who don’t.


Yet, for whatever reason, texting while driving is still deemed acceptable by  many drivers while drunk driving is considered taboo.



A  recent article from the Insurance Journal explores this issue in-depth. It  draws striking similarities between texting behind the wheel and driving  drunk.


One state has already caught on. Legislation in Utah equates texting while  driving with drunk driving. If a driver who is texting while driving causes an  accident resulting in a fatality, he or she will be sentenced as harshly as if  they had been driving drunk and could face up to 15 years in prison.


The National Safety Council estimates that 200,000 crashes are caused each  year by drivers who are text messaging.


Dog Bite Homeowners Insurance Claims

Everyone knows the most common causes of homeowners’ insurance claims: fire, robbery, natural disaster, and so on. Not as many would expect dog bites to appear high on that list. However, according to the Insurance Information Institute, dog bites are right in the mix as far as premises liability claims go, even ranking ahead of hurricane claims.

According to the data, the average cost of a dog bite claim settlement was nearly $59,400, and roughly 16,300 such claims were filed in the United States in 2011 alone. In fact, dog bites accounted for more than one-third of the liability claim costs paid in 2011 on behalf of homeowners’ insurance policy owners.

In general, these settlements cover not only the medical bills resulting from the dog attack, but also the pain and suffering that victims of dog bites endured.

Interestingly, Missouri was ranked 13th nationally among U.S. states for the number of dog bite claims filed with all Insurance comapnies in 2011. Those claims were settled for an average amount of $44,000.

That year, there were 270 reported dog bites in St Louis County alone. So far this year, there have already been 155 reported dog bites.

According to the Centers for Disease Control and Prevention, 4.5 million dog bites occur in the United States every year. About 850,000 bites of these bites require medical attention.

It’s extremely important to remember how truly devastating dog bites can be and to not just dismiss premises liability lawsuits against dog owners as “frivolous.”

Victims routinely suffer lacerations and puncture wounds necessitating several rounds of surgery. In fact, sometimes the best efforts of surgeons are not enough to prevent nerve damage and permanent disfigurement. Furthermore, victims can be left with psychological scars from the attack that can take years to heal.

Want to protect your self?

Insurance is all about protecting what you have work so hard to attain, but that goes well beyond just purchasing Homeowners insurance or auto insurance. One thing I have noticed over my time in the insurance field is that we don’t check to see if the people we do business with or we hire to help us around the house have insurance to protect us. What I mean by this is, have you ever hired landscaper, a plummber, or any other contractor? Well sure you have we all have, but how many of us check to see if they have insurance. Less than 10% of us check this, but there are a lot of homeowners claims that can be avoided if we would just do our research. The other day a lady called us for a quote on her home in speaking with her I found out she was being cancelled by her current company over a very large claim. When I asked her what happened she to me she hired a plummber well he did not know what he was doing and long story short after a 40k water claim with over a 1000 out of her pocket and being canelled by her current company she is looking for help. I helped her find a policy that fit her needs and her and I both learned that just by asking for a current certificate of insurance on any contractor you do business with can save you thousands of dollars and some major headaches.