5/30/2012 2:51 PM ET|
Lost art of the turn signal
Some of us don't bother to signal; others let the light keep blinking. And those habits could reduce or eliminate what insurance covers in an accident.
The next time you are driving, count how many times your fellow drivers fail to use their turn signals. Chances are you will run out of fingers and toes before the engine is warm.
Nearly half of all drivers either don't signal to change lanes or fail to turn the indicator off if they do, according to a newly released report from the Society of Automotive Engineers. Researchers observed 12,000 cars and found a failure rate on lane changes of 48%. One driver in four failed to use a signal to make a turn, the report says.
Those findings back up a 2006 survey conducted by Response Insurance in which 57% of American drivers admitted not using turn signals when changing lanes. Among drivers ages 18 to 24, 71% said they don't use their signals.
Even more disturbing than the statistics were the reasons. Forty-two percent of the signal-avoiders said they didn't have time; 23% admitted they were just too lazy.
Perhaps the rest ran out of blinker fluid. But that momentary lapse comes back to haunt many drivers.
"All drivers have an ongoing duty" to use signals, says SAE report author Richard Ponziani, "just as they have a duty to stop at a stop sign or at a red light."
While failure to signal may seem like a small infraction, improper turning and lane changing (the most frequent infractions associated with failure to signal) cause a lot of car accidents. In New York's most recent tally of accidents, unsafe lane changes were the fifth-most-common cause of accidents, and turning improperly was No. 7.
Nationwide, neglected or improper turn signals cause 2 million car accidents a year, Ponziani says. And for drivers involved in those accidents, a citation for failure to use turn signals could make the difference between a covered repair and a denied claim.
What is the law?
All states require drivers to use directional signals to indicate their intention to turn, change lanes or pass a vehicle.
The details differ, but the goal is the same: No surprises. Indicators make your fellow drivers aware of your intentions and give them enough time to adapt or respond. While the penalty varies by state, failure to signal is usually a minor traffic violation.
According to Penny Gusner, the consumer analyst at CarInsurance.com, a failure-to-signal citation could affect your insurance in several ways.
Many states do not allow insurers to raise rates for just one ticket, but a failure-to-signal citation could cost you a good-driver discount. That could bump up your premiums by as much as 25%, Gusner says. If your state does allow insurers to ding you for a single moving violation, look for a rate increase in the 5% to 20% range.
But the real cost comes if you're involved in an accident. Comparative negligence laws allow insurance companies to reduce claims proportional to degree of fault, Gusner says. If failing to signal puts you more than 50% at fault for the accident, your claim can be adjusted downward or denied altogether, Gusner says.
And contributory negligence states -- Alabama, Maryland, North Carolina and the District of Columbia -- prohibit a driver from recovering any damages if found even a small amount at fault for the accident.
Failure to signal would certainly qualify.
More from CarInsurance.com:
VIDEO ON MSN MONEY
For some drivers, if I use my blinker, they seem to think it means they should speed up.
Oddly enough I have found BMW drivers to be the most likely to do this and also not to use their own signals. Just an observation.
I'm 19, and I have more road manners than most my age, but what gets me is this. You can't burn 1 calorie and lift your arm to hit the turn signal? Really?
Maybe we should honk at anyone that doesn't to get their attention as a big **** you
I'm 51 years old. I use my signals, always have , in any vehicle. It's just a natural act now (duh). I have NEVER been in an accident.
I assume the rest of you that have been in accidents are numbnuts.
What would you assume?
I love the people that see a person turning left or right in front of them, so they put on their blinkers too then they go straight. I don't need to know what the car in front of you is doing! Just signal when YOU will turn.
I find it interesting that drivers can talk on the phone, text, read a paper, eat, put on make-up and do other things while driving except some of the most basic driving skills such as using a directional signal.
Definitely worthy of a ticket
Glad I don't have to put up with the "no signalers" while driving big rigs anymore! I'm retired.
There's a lot of stupidity on the roads today.
Drive defensively, everyone!
cars need to catch up cars now should have turn signals that work with your brain think turn right your right signal come on think turn left your left signal comes on think turn off signals signals goes of.If some ginus come up with this I already have a patent.
Copyright © 2014 Microsoft. All rights reserved.
Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.
If you worry about money after the streetlights come on, these actions may help you rest easier.
MUST-SEE ON MSN
- Video: Easy DIY smoked meats at home
A charcuterie master shares his process for cold-smoking meat at home.
- Jetpacks about to go mainstream
- Weird things covered by home insurance
- Bing: 70 percent of adults report 'digital eye strain'