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Looking good can be costly…and dangerous

19 Aug

My friend Deb Z.  posted this article on Facebook, and I think it’s actually pretty important for women to read (and Men to roll their eyes at).

Applying Makeup While Driving Can Raise Your Insurance Rates

It’s not that insurance companies are sexist.  Or that they expect all of their female customers to go barefaced and disheveled.  But if you use your commute as makeup application time, you’re a crash risk. In fact, applying makeup is actually more dangerous than dialing a cell phone–it’s the fifth likeliest task to increase crash risk.

Talk about a dangerous tube of MAC lipstick.

About 3% of female drivers have had an auto accident while applying makeup, and 75% of those women are under 27 years of age, says Kevin Alsup, vice president of insurance at Foundation Financial Group in Florida. “We hear a lot about the dangers of driving and texting,” says David Miller, CEO of Florida-based Brightway Insurance, “but applying makeup while driving is just as dangerous.”

Whether You’re A Little Or A Lot At Fault

According to Nancy Germond, an insurance expert from Phoenix, AZ, an insurance company might “forgive” your first auto offense if you have a good driving record. Otherwise, if the accident is deemed to be your fault, you can expect your rate to take an upward hike.

“If you are at fault in an auto accident and your insurance carrier pays more than a small amount, your rates will undoubtedly increase,” says Germond. Although some companies forgive the first accident, most will charge you “whether you’re 1% or 100% at fault.”

Makeup-Related Crash? Your Rate Could Increase Exponentially

The number of separate accidents you’ve had is more important than the amount you’ve racked up in insurance claims, says Miller. A single accident may raise your rate $100 to $200 a year, whereas a second claim increases it by much more and a third will probably bump you into a higher price tier entirely. Miller explains, “Frequent accidents make insurance companies believe you’re likelier to have other accidents down the road.” On average, Insurance.com told us, “drivers with no violations pay $1,119 annually for car insurance. By contrast, drivers with three violations pay $1,713.” So, if you end up regularly filing claims because of that eyeliner habit, you’ll be paying way more than the cost of new makeup in the end.

Source:  I have no idea, but the above statistics were previously printed.

I must admit, I used to be guilty of this “crime”.  When I used to drive downtown everyday, there were times when I caught myself applying make up while driving (I know, totally stupid).  I was broken of that habit, when the driver behind me, and we were indeed clipping along at a pretty good pace, Honked his horn, and when I looked back at him in my rear-view mirror, he gave me a “Thumbs Up”.  Nice.  Ugh.    Totally embarrassing, and I have to say, that was Many years ago, and I basically haven’t done it since.

Make Up Do’s and Don’ts while driving

Applying Mascara – Don’t

Applying Eye Shadow – Don’t

Curling your Eyelashes – Don’t

Applying Eyeliner – Don’t

Applying Lipstick or Lipgloss – I think we are a-okay here!

Applying lip gloss is no different from changing your radio channel. Of course, I apply mine without having to look in a mirror, by just dabbing the gloss on my lips.  If you need to look into a mirror, do NOT do it.

Driving is complicated and dangerous enough, with everyone talking on their phones , texting (YIKES, but it does happen), drinking coffee and Smart Water, changing the iPod setting on your radio to replay Build Me Up Buttercup on repeat…don’t make it even worse, by applying your make up.  Wait until you are parked (and not at a stop light either) to do what you couldn’t do at home.

Drive Safe!

xoxo,

T.

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14 Responses to “Looking good can be costly…and dangerous”

  1. Carol S. August 19, 2011 at 7:05 am #

    Ha ha I like the cartoons. OK, I pass your test…mostly just applying lip stick and lip gloss. Well, guilty of a little cover up, too. I think what’s more challenging than looking in the mirror while focusing on driving, is trying to feel around in my purse for the lipstick or lipgloss based on shape and feel of the tube. So, now I have an extra lipstick I keep in the cup holder for a quick touch up. Just think of how many lives I’m saving!

    • Dressed to a T August 23, 2011 at 7:12 am #

      Carol – I applaud you! Thank you for thinking safety first! 🙂

  2. C August 19, 2011 at 7:07 am #

    I notice no mention of plucking eyebrows or chin hairs. Shall I just put that in the mascarra category? –C

    • Monica August 19, 2011 at 9:23 am #

      I am pretty sure plucking eyebrows and chin hairs in the car using the tweezers kept in the glove compartment is completely permissible when one is in one’s driveway or has parked the vehicle. After all, we all know this is the best light to discover that you have a few (!) teenage boy looking whiskers under your chin….sigh. But never while moving!

      • Dressed to a T August 23, 2011 at 7:11 am #

        Chin hairs…only seen when the light is shining on them, and always by the passenger in your car…Hence, why I keep tweezers in my car! Yeah…best used while Not moving…being rear-ended while tweezing one’s chin could have Disastrous results! 🙂

    • Dressed to a T August 23, 2011 at 7:09 am #

      C – not sure we can speak “openly” re: the removal of one’s chin hairs…:)

  3. Louise August 21, 2011 at 3:40 pm #

    LOVE The billboard . . . and agree — they SHOULD make vodka lip gloss!! Good info, as always, TOB. Thanks!! L

    • Dressed to a T August 23, 2011 at 7:11 am #

      I’m beginning to believe there should be vodka-infused…,well, basically everything! 🙂

      • LAP August 23, 2011 at 7:36 am #

        You wouldn’t hear a complaint from me!

      • instantimpression August 27, 2011 at 9:00 am #

        shall we start a new business?

      • Dressed to a T September 2, 2011 at 10:36 pm #

        Yes!

  4. Donna August 23, 2011 at 8:23 pm #

    Say, was this a repeat? I seem to remember some of these comments….there’s even a buttercup reference!

    D

    • Dressed to a T August 23, 2011 at 9:25 pm #

      Hey D! You remember this because I read it to you (or Cinda did) the morning in the condo. 🙂 This is not a repeat…
      🙂

  5. instantimpression August 27, 2011 at 9:01 am #

    Thank goodness the gloss thing is okay.

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