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Its 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, youre a crash risk. In fact, applying makeup is actually more dangerous than dialing a cell phoneits 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 Youre 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.
Germond says, 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 youre 1% or 100% at fault.
Find out how to lower your rates when you read on.
