Using a Cell Phone While Driving Can Be Dangerous to Your Health

Presented To:
Md. Shamsul Alam Senior Lecturer Department of Business Administration ASA University Bangladesh (ASAUB)

Presented By:
Name of the Group Members Md. Towsif Hossain Israt Jahan Fahmida Remanna Islam Toma Md. Golam Mawla Saurov Md. Monjur Morshed Khan 3rd Batch, Section: B Faculty of Business ASA University Bangladesh (ASAUB) ID. No 081-12-0063 081-12-0155 081-12-0074 081-12-0085 081-12-0173

Course Name: Insurance and Risk Management Course Code: FIN-311

Date of Submission: December 26th, 2009

ASA University Bangladesh

These are the stories of auto mobile accidentsAutomobile can be destroyed or can be hampered by many of the ways while driving. Most often accidents occur at the time while talking a cell phone simultaneously driving a car. The owner of the automobile can be repaid or recovered by coverage for damage insurance under the automobile insurance. In this case study we will talk also some of the accidents and number of dead and injured people and also the chances of damaged to automobile. Survey-1 In survey one, we have found that the chances of motor vehicle accidents speed up four times more than driving in a normal conditions. It means when a driver drives carefully will decrease the chances of automobile accidents four times lower. If any driver uses cell phone while driving in a busy road it is really difficult for him to obey the traffic signals and rules carefully as he will be distracted from driving for lack of proper concentration. A drunk driver drives the car not so much seriously. It is a similar to driving being drunk New England Journal of Medicine. Survey-2 Auto accidents can be happened due to cell phone uses while driving. It may cause in deaths or injuries. The drivers talking on a cell phone while driving distracted their concentration. They may not be aware about the people passing through the road because of their velocity of driving. When driving much of the concentrations of the drivers go up to the phone. They usually control the car by one hand. This may cause serious physical injuries or may eventually lead to death six times greater than not using cell phone - Harvard Center for Risk Analysis. Survey-3 Talking on a mobile phone while driving is more dangerous then driving while drunk. So, if a automobile driver is driving his automobile being drunk then it is good for him rather than talking on cell phone. At the time of driving if the driver uses his cell phone will slower 30% of his action

compare to being drunk and 50% slower of his reaction under normal condition Direct Line a British Insurer. Survey-4 At a time of driving the driver having cell phone may have the limited chance of road accidents. The drivers using cell phone can swerve into another the driving lane, can tailgate another vehicle or can hit another car or finally blow out the red light. So, the drivers using cell phone while driving the possibilities of occurring accidents may be low but the external threats of imbalanced driving may increase the chances of happening automobile accidents- Progressive Insurance Survey-5 As this is fact that both learners driver or graduated driver should not use cell phone while driving as a learner will always chances to lack of his skills in driving, so chances of accident is always higher compare to an experienced driver. A beginner/learner does not have enough focus and mental capacity to carry out a potentially dangerous activity in driving while talking in mobile phone. A learner cannot focus fully on the road and the other vehicles, if he keeps on chatting on phone simultaneously while driving. Driving while phoning, even on a hands-free phone, is dangerous for both the learner and graduated driver. Cell phone users drive slower, pass less often and take longer to get to their destination. So using mobile should be banned while driving both for learner and graduate driver. Survey-6 While driving a driving should be concentrate on his duty only that is driving. Any other job like taking food, talking with other can distract him and that can cause accident. Some the most common reasons of automobile accidents as: 1. Driver's inefficiency: Drivers often forget their responsibilities and get tempted to break road rules and traffic laws desperately. Crossing speed limits, tailgating, disobeying traffic signals are the common causes of car accident. Such acts during rainy or stormy nights can lead to disasters.

2.

Driving under the influence of alcohol or any other toxics: Drunk driving could be dangerous. People lose control over themselves when they are drunk or under influence of toxics. There is an allowance although; a certain quantity of alcohol is considered ok for drivers, any amount higher than that should not be taken when you are going to drive. 3. Lack of concentration: While driving full concentration should be given towards it, no

active participation in any other activities is desired. Drivers often forget their duties and engage themselves in active discussion with co-passengers, talking over cell phones or listening to music while driving. The others can be mentioned like reading magazines, newspaper etc. There are some ways to reduce damages like increasing our personal awareness and responsiveness. The other important of part of reduce risk is some automobile insurance. Vehicle Insurance provides you with protection against financial losses resulting from accidents and theft. Three basic types of car insurance are available: Comprehensive, Third Party, Fire and Theft and Third Party Only. Car Insurance will cover the following risk- the driver or owner who has been insured, the insured vehicle and third party claims It is important to keep in mind that not only car insurance provide protection to the vehicle but also to the driver of that vehicle as well, Owner need to make sure that he is insured as the driver of that vehicle because he run the risk of not being covered for benefits just increase his in an accident.