Save Money: Avoid Risky Behavior

After putting in over three hours of stren­u­ous phys­i­cal labor on my front-yard land­scap­ing project, I packed up my tools and plopped down on the couch to catch the last half an hour of Oprah.  Today’s show was about the dan­gers of dis­tracted dri­ving; dri­ving while talk­ing on the cell phone or texting.

While I’ve always drawn the line at tex­ting while dri­ving, I have been guilty of tak­ing a peek at incom­ing texts while dri­ving.  And although I try to avoid it these days, I do occa­sion­ally talk on my cell phone while I drive — some­times hold­ing the phone to my ear, some­times while on speaker phone, rarely while using a hand-free attachment.

What makes me feel most guilty about my cell phone use while dri­ving is that I’ve long been aware of sci­en­tific research prov­ing that cell phone con­ver­sa­tions use a dif­fer­ent part of the brain than do live in-the-car con­ver­sa­tions and that even hands-free cell phone con­ver­sa­tions are dis­tract­ing and dan­ger­ous.  I knew this; I believed this.  Still, I talked on my cell phone — except for when The Son was in the car.  He was aware of the research, too, and nagged and gen­er­ally made my life mis­er­able if I tried to talk on the phone while he was in the car.  And that was before he went through driver’s ed!

After watch­ing Oprah today, I’ve decided to see the error of my ways.  I pledge to stop using my cell phone alto­gether while oper­at­ing a vehi­cle.  I will keep my cell phone in my pocket or my purse to help me avoid temptation.

If the social and moral impli­ca­tions aren’t enough to keep you off your phone while you drive, think about the finan­cial impli­ca­tions.  Your chances of being involved in an acci­dent are 4 times higher if you talk on your cell phone while dri­ving (about the same as if you were dri­ving drunk).  If you’re tex­ting while dri­ving, you’re 8 times more likely to be involved in an acci­dent.  In the best of cases, the finan­cial impli­ca­tions of cell phone-related acci­dent would involve an insur­ance co-pay and/or increased insur­ance pre­mi­ums.  That’s in the very best of cir­cum­stances.  Worst case sce­nar­ios would include leav­ing your fam­ily with­out a source of income due to death or incar­cer­a­tion.  Or fac­ing an expen­sive lawsuit.

I will tell you, it took me about 3 sec­onds to decide that I couldn’t imag­ine any type of phone call or text mes­sage worth the poten­tial risks.

Don’t tempt f8; that text can w8.

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2 Comments

  1. Carol
    Posted January 19, 2010 at 6:00 am | Permalink

    I was recently chided by my sig­nif­i­cant other for get­ting into the car and pro­ceed­ing to make a call as I backed out of my park­ing space! I agree with you and make the same pledge. There is no call that is so impor­tant to take such risks. Thanks for remind­ing all of us about this!

  2. Suburban Wife
    Posted January 19, 2010 at 8:41 am | Permalink

    @ Carol,
    You’re wel­come. Last night The Daugh­ter and The Hus­band were mak­ing fun of me — not for decid­ing to make the car a “No Phone Zone” but for doing so because of Oprah. My argu­ment was it doesn’t mat­ter which par­tic­u­lar straw breaks the prover­bial camel’s back or which sad tale it is that makes you a con­vert. What mat­ters is that we finally fit that last piece into the puz­zle and say, “Okay; Enough; I’m con­vinced and I’m not going to do it any more.”

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