Lawton Insurance Agency
Important News from Lawton Insurance
Distracted Driving & Get the Police Report
May 2012
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Locations
lawton mifflinburg office 
Mifflinburg Office
225 E Chestnut St
Mifflinburg PA 17844
570-966-3145
 
Lewisburg office
Lewisburg Office
57 Reitz Blvd Ste 101
Lewisburg PA 17837
570-524-4200

Email us at:  insure@lawtonins.com
Visit our website: www.lawtonins.com 
 
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Greetings!
distracted driving
In our line of work we get calls all the time from our customers to report an auto accident that they were just involved in.  Whether our customer was at fault or not, it seems like the majority of accidents could be prevented if only the driver was paying a little more attention to the road.  Distracted driving is a big problem as people try to multi-task as they are driving.  So we thought we would dedicate this newsletter to give you facts about distracted driving and urge you to keep your eyes on the road at all times.  But, we also realize accidents do happen so we included an article explaining the importance of getting driver information from the police if they respond to the accident
Distracted Driving
distracted driving2 

With ever increasing demands on our personal and professional time in today's busy society, learning to juggle multiple tasks at once is something we all face daily.  As a result, a new traffic safety epidemic has emerged on America's roadways that demands immediate attention:  distracted driving.
In 2009 alone, nearly 5,500 people were killed and a half million more were injured in distracted driving crashes.  One of the most alarming and widespread forms of distracted driving is cell phone usage.  According to a Carnegie Mellon study, driving while using a cell phone reduces the amount of brain activity associated with driving by 37 percent.  And a report from the National Safety Council found that more than one out of every four traffic accidents is caused by people talking on cell phones or sending text messages.
Text messaging is of heightened concern because it combines three types of distraction- visual, manual and cognitive.  In other words, texting involves taking your eyes off the road, your hands off the wheel, and your mind off the task of driving.
In Pennsylvania, text messaging while behind the wheel will be subject to primary enforcement, which allows officers to stop and cite offenders for that reason alone.  Insurance companies can consider a cell phone and or texting violation as a moving violation for both underwriting and rating/surcharging purposes.  Meaning, your auto insurance premiums will go up due to having these violations.
So the next time you are pressed for time, and it seems like multitasking in the car is the best decision, remember those 5,500 lives that were taken because someone decided they could do two things at once.  A text or call is not worth your life, or anyone else's. 
 
Watch the following link to hear first hand accounts of people who lost loved ones due to distracted driving: http://www.att.com/gen/press-room?pid=2964

It's In The Report... 
police report 
You have an auto accident and the police show up.  You feel relieved as you believe the police now will take care of everything for you.  The police officer asks for your information, (name, address, phone number, insurance company and policy number).  He also asks the other driver involved in the accident for the same information.  When you ask the officer about the other party's information, he responds, "It will be in the report."  You leave it at that and call us to report the claim.  What the officer didn't tell you was they have up to 30 days to complete a report and they also charge the insurance company and/or you up to $15 to get a copy of the report.  Not being able to get the other driver's information not only frustrates us, but it will also slow down your claims process, causing it to take longer for you to get your vehicle fixed.  We encourage all of our insureds, if you are involved in an auto accident, get the other party's information from the police officer even if he tells you it will be in the report.  We ask that you at least get their name, phone number, insurance company and policy number.  This will make the claim go much more smoothly for you and us. 
Trivia Question
question 
How would you like to win a $10 gas card?  We can all use some extra money towards gas right now.  We thought we would offer a trivia question in this month's newsletter to get you thinking a little bit.  The first person to answer correctly and either email us with the answer or post their answer on our facebook page wins a $10 gas card.  So here is the question ( you might need to visit our website www.lawtonins.com to find the answer):  Erie Insurance introduced a new endorsement for their auto policies called Erie Rate Lock.  Erie Rate Lock allows you to lock in your auto premium until you make one of the following three changes.  What are the three changes to your auto policy that will cause your auto policy premium to be re-rated and possibly change?  
 
Good Luck!!
Thanks for being a great customer of Lawton Insurance and please contact us to review or if you have any questions about your policies.
 

Lawton Insurance Agency