Insurance 101


Related Information

  • Distracted Driving

  • What is it?
    Distracted driving is any non-driving activity a person engages in that has the potential to distract him or her from the primary task of driving and increase the risk of crashing.

    There are three main types of distraction:
    Visual — taking your eyes off the road
    Manual — taking your hands off the wheel
    Cognitive — taking your mind off what you’re doing

    Texting has become the most alarming, because it involves all three types of distraction. Other distracting activities include:

    • Talking on a cell phone 
    • Eating and drinking 
    • Talking to passengers 
    • Grooming 
    • Reading, including maps 
    • Using a PDA or navigation system 
    • Watching a video 
    • Changing the radio station, CD, or Mp3 player.

    Facts on distracted driving  

    • The proportion of fatalities reportedly associated with driver distraction increased from 10 percent in 2005 to 16 percent in 2009. 
    • The portion of drivers reportedly distracted at the time of the fatal crashes increased from 7 percent in 2005 to 11 percent in 2009. 
    • In 2009, 5,474 people were killed in U.S. roadways and an estimated additional 448,000 were injured in motor vehicle crashes that were reported to have involved distracted driving. (FARS and GES) 
    • 20 percent of injury crashes in 2009 involved reports of distracted driving. (NHTSA). 
    • Of those killed in distracted-driving-related crashes, 995 involved reports of a cell phone as a distraction (18% of fatalities in distraction-related crashes). (NHTSA) 
    • The age group with the greatest proportion of distracted drivers was the under-20 age group – 16 percent of all drivers younger than 20 involved in fatal crashes were reported to have been distracted while driving. (NHTSA) 
    • Drivers who use hand-held devices are four times as likely to get into crashes serious enough to injure themselves. (Source: Insurance Institute for Highway Safety) 
    • Using a cell phone use while driving, whether it’s hand-held or hands-free, delays a driver's reactions as much as having a blood alcohol concentration at the legal limit of .08 percent. (Source: University of Utah)

       

Auto Insurance

Life Insurance

Home Insurance

Farm Insurance

Business Insurance

Add a policy, add up your savings

With Michigan's Insurance Company you can cut your insurance bills without cutting your coverage with our Multi-Policy Credit. Talk to an agent to learn more.
Locate an Agent

Service Center

Print auto certificates of insurance, view policy details, pay bills, request changes and more. Discover the benefits of creating an account.
Service Center

Member Benefits

Save on travel, theme parks, hotels and so much more. Learn about the value of being a Farm Bureau member.
Member Benefits
You have indicated you wanted to make changes to your policy, but you did not submit the changes to your agent. Leaving this page means your changes will not be submitted.

Changes must be submitted to your agent before the request is considered complete. You may request that your Agent provide you with a quote before submitting the changes.

We have noticed that your browsing session has been inactive for a while, if you would like to continue working, please indicate by clicking the button below, otherwise for protection of your data, you will automatically be logged out in seconds

v69.0.7046.16131, 4/17/2019 8:57 AM