Drunk Driving Simulator Show the Danger of Impaired Driving

How impaired are you when driving under the influence? Ford’s Driving Skills For Life Program tested that theory out on teens using a drunk driving simulator suit that they developed to mimic the feeling and effects of inebriation. With weight pads, sound and goggles, they simulated the effects of drunkenness and had teens try driving while impaired.

“To impair coordination and balance, teens have a set of weights strapped to their body in different locations. For instance, one might be on the left ankle while others weight their shoulders and wrists down.

For a slower physical reaction time, trainers attach restrictive braces to both elbows and knees. Lastly and, perhaps, most challenging, the young participants don muffling headphones and vision-distorting goggles.”

This is a simulation, but the problem is real. While alcohol-related driving deaths have trended down since the 1990s, alcohol is still a factor in nearly one-third (31%) of all traffic-related deaths in the United States.

Every day, almost 30 people in the United States die in drunk-driving crashes — that’s one person every 50 minutes. These deaths have fallen by a third in the last three decades; however, drunk-driving crashes claim more than 10,000 lives per year.  – NHTSA

Your BAC (Blood Alcohol Count) is a measure of the amount of alcohol in your bloodstream. You can learn about your BAC and how to get a rough calculation of your BAC, and what level of drinking will lead to impairment for your weight/sex. There are also a variety of BAC gauging apps that you can get for your phone. Learn more about the effects: The 6 stages of getting drunk.

It’s very important to know your state laws and BAC limits: Find your state’s drunk driving laws

Most states have administrative license suspension (ALS) on the first offense. ALS allows law enforcement to confiscate a driver’s license for a period of time if he fails a chemical test.

DUI and Insurance

If you have a Driving Under the Influence (DUI) license suspension or a DUI-related accident, it will be reflected in your state driving record and you should expect it to have an impact on your insurance. As a “high risk driver,” your insurance company could cancel your policy or decide to drop you when it is up for renewal. At the very least, expect limited options and a huge hike in the price you pay to secure coverage. In some states, an insurance company may deny coverage of personal injuries or property damage related to a DUI-related accident.

A DUI conviction may also have a big effect on Life Insurance rates. Some companies may decline coverage entirely for a number of years after a conviction.

In the market for a new car? Calculate the full costs

If you’re in the market for a new car over the coming year, there’s a lot more to think about in terms of cost than just the sticker price. If you aren’t figuring in the associated financing costs, taxes, insurance, depreciation, gas and maintenance, you are only getting a partial picture of the true cost to drive a car. According to AAA, the cost of car ownership in 2019 was $9,282 or $773.50 a month. That’s 5% more – or $433 – than the prior year.

One of the key culprits to the costs? Finance charges, which AAA says average about 40% of the total costs.

“A key contributor to the increase was a large jump in financing costs. Rising federal interest rates and higher vehicle prices fueled a spike in finance charges, which rose 24% in 2019 from $744 to $920. It comes as long-term loans are becoming more common. Such loans offer lower monthly payments, but they ultimately cost the consumer more, meaning car buyers are paying more, and longer, for vehicles that lose value the moment they’re sold.”

Although long-term loans might seem cheaper, AAA says that they are ultimately costing the consumer more. They estimate that, on average, every 12 months added to the life of a loan adds nearly $1,000 in total finance charges.

One other key expense factor is that as new cars come equipped with more technology to make driving safer and more convenient, maintenance and repair costs go up. Sophisticated sensor in bumpers mean that a simple fender bender can require a costly replacement and recalibration of sensors. See our prior post on high tech cars equaling high cost repairs.

Because cars can be such a big budget item, it can pay to do advance research to ensure you make the best purchase and consider other factors than just the sticker price. Here are some car-buying tools to help you anticipate and calculate the total cost of ownership of various makes and models.

Talk to your insurance agent!

One other source for keeping annual costs of a new car down is to talk over auto insurance options with your insurance agent. Be sure you are taking advantage of any available discounts, such as discounts for safe drivers, low mileage, seniors, good students, and more. Plus, bundling your auto and homeowners policies with one insurer can yield discounts on both.

Wait for it …. This Could Save Your Life

This is a short post featuring a short, powerful video clip: Wait for it … this could save your life. We encourage you to watch it and share it – it’s just under 4 minutes. There’s a lot we could say about it, but we think it is more impactful to let the clip speak for itself.

Jacy Good, the young woman in the video who tells her story, is not an actress. Here is more about how she became a passionate safety advocate.

Join 40 million other people: Take the It Can Wait pledge

Reminder: The new Massachusetts hands-free driving law is now in effect

Distracted driving – 5 seconds is all it takes

It’s time for the seasonal flu vaccine!

This year, it’s more important than ever that you get your flu vaccine early for seasonal influenza. With Covid-19 still active and a potential resurgence over the fall and winter, you need all the protection you can get. While the seasonal flu vaccine will not protect you from Covid-19, it will help ensure that hospitals and healthcare providers don’t get overwhelmed by a double whammy, or what some are calling a “twindemic.”

But making it a priority to get a flu vaccine isn’t simply to help preserve precious health care resources for others, it’s also good for protection you. Remember, the seasonal flu can be a killer, claiming thousands of lives each year. Also, health experts think that it is possible to contract seasonal influenza and Covid-19 at the same time, so you want to prevent your own personal “twindemic.” While a vaccine is not an ironclad guarantee that you won’t still get a seasonal bug, flu vaccines have been shown to reduce the risk of flu illness, hospitalization, and death. In other words, if you do get a flu, the vaccine will make your illness less severe, and make it less likely you’ll end up in the hospital. This is particularly important for high-risk people and people with underlying health conditions.

This year, health officials recommend getting your vaccines early, ideally in September or October before the flu season starts. But if you miss this time frame, should you still get vaccinated? Health officials say yes, up through January.

Here’s who the CDC recommends get vaccinated:

  • Everyone above the age of 6 months
  • Those who are at a high risk, such as adults over 65 years old and people with underlying medical conditions (cancer, heart disease, asthma – see more)
  • Pregnant women
  • Caretakers exposed to vulnerable groups
  • Healthcare workers and essential workers

Be aware that there are different vaccines recommended for different populations. There are special vaccines for young children, and higher dosage vaccines for adults 65 years old and older. This year, there is one vaccine for seniors that has been updated to protect against four strains of influenza, rather than three as in previous years.
Learn more about which vaccine is most appropriate for you at the CDC.

Where to get flu shots

In the past, many people got flu shots at work, but with the prevalence of remote work during the pandemic, most people will be on their own this year. There are many places to get a shot, such as pharmacies, clinics and doctors’ offices – and some communities may even set up drive-through flu vaccine sites. Use the Vaccine Finder to find places near you based on the type of vaccine you need. Remember to check if the facility is walk-in or by appointment and be sure to review any required Covid-19 health procedures and costs. If you have private insurance, Medicare, or Medicaid, you’ll probably only need to cover a copay, but if you don’t have insurance, shop around because prices can vary.

Here’s more info and more flu resources:

 

Labor Day: Safe BBQs and backyard entertaining

As we head into Labor Day and approach the waning weeks of summer, most of us are eager to spend as much time outside as we can. The Mayo Clinic offers a guide to safe outdoor activities during the COVID-19 pandemic.

Labor Day is traditionally a time for last minute vacations, road trips, and barbecues. But with coronavirus still a factor, most are opting for quieter events closer to home. If you are planning a small backyard get-together or BBQ, here are a few guides on how to do that safely. We’ve also summarized some tips for both hosts and guest that were suggested by various guides and health experts

Here are a few helpful guides:

Safety tips for backyard gatherings

  • Know your local guidelines about gathering sizes, but all experts agree: smaller is safer – and likely more comfortable for your guests.
  • Check in with invited guests in advance about any concerns they have. Let them know “the rules’ so they feel comfortable and will respect your wishes. For example, rules about social distancing, what they should bring (their own beverages) or shouldn’t bring (shared food dishes, unannounced guests) and any bathroom rules, such as flushing with seat down.
  • Respect boundaries if people decline an invitation. Don’t take things personally.
  • Skip the hugs and handshakes on welcoming guests.
  • Maintain social distancing – measure the space on your deck or your yard in advance to see how many seats can be accommodated 6 feet apart and base guest numbers on that.
  • Keep it outside. Have a plan to postpone if the weather turns bad and keep an eye on the weather.
  • Wear masks when not eating.
  • Wash hands frequently, bring / supply hand sanitizer.
  • BYO beverage, or provide them in individual cans or bottles.
  • Avoid shared plates, utensils, seasonings or condiments – things that people handle repeatedly.
  • Use disposable plates, utensils, napkins and place at each seat.
  • Avoid shared food dishes and plates. Provide individual servings.
  • Clean and disinfect high-touch areas like doorknobs and bathrooms before, during and after the party.
  • In bathrooms, provide paper towels, hand soap on the sink, disinfecting wipes.

Precious cargo: How to buy, install, and register child car safety seats

p>Car crashes are the leading cause of death for US children aged 3 to 14, yet many of those deaths may be preventable with the proper use of car safety seats. A 2017 study by the CDC published in The Journal of Pediatrics showed that 20% of children who were in a car crash where someone died were not buckled in properly or were not wearing a seat belt at all, as were 43% of children who died themselves.

Buying a child safety or booster seat for your car shouldn’t be a quick or easy purchase if you want to ensure your child’s safety. Do you know the various types of seats and which is appropriate when? Are you choosing the right seat for your child and your vehicle? Is the seat properly installed and is your child properly secured? Do you know when to change/upgrade the seat as your child grows? The Mayo Clinic lists 9 common mistakes parents make when installing and using car seats.

First, know your state law. The Governors Highway Safety Association says that all states and territories require child safety seats for infants and children fitting specific criteria, but requirements vary based on age, weight and height. Often, this happens in three stages: infants use rear-facing infant seats; toddlers use forward-facing child safety seats; and older children use booster seats. They offer an overview of state laws.

For help in buying and installing the right seat, we offer several dependable sources you can turn to for research:

The National Highway Traffic Safety Foundation has a great car seat and booster seat guide with various tools to guide you through every stage. A few of the handy tools they offer include:

Safe Kids Worldwide offers the ultimate Car Seat Guide , which offers practical tips to keep kids safe in cars from buying, installing, ensuring a safe fit, and when you should change the seat as your child ages. If you need help installing your car seat or would like a checkup to ensure that it is installed properly, Safe Kids coalitions have car seat checkup events and inspection stations around the country. If there isn’t an event near you, you can search for a certified child passenger safety technician (CPST) who can help you.

Consumer Reports also offers excellent Child Car Seat Ratings and Buying Guide, including the video below.

Wirecutter (from the New York Times) also offers consumer shopping guides to find the Best Infant Car Seat and the Best Booster Car Seats.