Policy limits establish the total amount of recovery available to you based on what the policy holder has through their insurance company. This is great for insurance companies but not so great if you have been seriously injured.

In short: liability insurance shields you from being personally liable to pay for damages you caused during an accident. Let's go over the specifics.

According to the Texas Department of Insurance, an estimated 20%, or one out of every five vehicles in Texas, is uninsured. That's about 4 million motorists driving around without insurance in Texas.

The phrases “driving while texting” and “driving while distracted” may seem interchangeable, but “distracted driving” encompasses much more than checking your cell phone at a stoplight.

Studies indicate drivers can be distracted long after programming a GPS device or sending a text via a voice command system. Long enough to miss a stop sign or pedestrian? You bet. At 25 mph, you can travel the length of more than one football field in 10 seconds.

Technology has undoubtedly made our lives easier but it doesn't mean every smart device is safe to use in all instances. Driving is one of them. Let's talk about that.

The increase in fatalities in Texas last year reflects a deadly trend nationwide. An estimated 20,160 people died in motor vehicle crashes in the first half of 2021, up 18.4% over 2020. In Texas, traffic fatalities were up 15 percent from 2020-2021.

Teen drivers often understand that shooting a quick text message, playing with their radio, or eating while driving is dangerous. However, the overwhelming majority of teen drivers do these things anyway.

The number of people who drive daily may have decreased during the pandemic, but those who are behind the wheel these days are much more distracted.

Make no mistake, multitasking technology is about convenience - not safety. Ending distracted driving is everyone's responsibility.