Driving while you are distracted is certainly something that can cause all sorts of accidents.  Do you want to know the number one thing that is distracting while you are driving?  Cell phones.  Cell phones are something that has their place and time and it should not be while you are trying.  Anything that really takes your eyes or ears off of the road should be put away, as that can put you at risk.

Many teenagers nowadays actually end up texting while they are driving and that boggles my mind.  Not only are you taking your hands off of the wheel but you are taking your eyes off of the road as well and isn’t that part of driving?  While in this day and age – people are glued to their cell phones; there are ways around the distracting part of it.

First, you should invest in a hand-free speaker set for your car if you do feel the need to talk on your cell phones, that way you can pay attention to the road.

Now of course, the details of Liability Insurance vary from each state, but the basic meaning of it is going to be that the car insurance company will pay for the injuries and the property damage caused by an accident if the auto insurance adjuster determines that you were at fault for the accident.

Most of the time, the state minimum is going to be $100,000 per person and $300,000 per accident and around $50,000 for property damage.  That should be your limit however; it really and truly does depend on what state you live in.