Common Distractions While Driving

Jason B. Goldman • August 27, 2021
Common Distractions While Driving

Since 2015, distracted driving fatalities have increased by 36.53%. The more distracted a driver is, the more likely an accident will occur.  Accidents caused by distraction are particularly dangerous, because oftentimes no evasive maneuvers or braking take place before impact.  Below are common categories of distracted driving , which need to be avoided at all times.

Cognitive Distraction:

This category is defined by drivers who are lost in thought, completely cognitively detached from the task at hand, or daydreaming while operating a motor vehicle.  Lack of sleep and stressful workdays are the most common causes of cognitive distractions.

Cell Phone Use:

Approximately 23.6% of all distracted driving accidents involve cell phone use.  Ever since cell phones became commonly owned in the U.S., distracted driving accidents brought about by cell phone usage have increased every year.  Death or serious injury are substantially more likely results of an accident caused by a distracted driver using a cell phone.  To put this into perspective, checking a standard sized text message while driving at 55 mph is equivalent to driving the length of a football field with your eyes closed.

Manual Distractions:

This category is defined by a driver looking at or for objects within their car while driving, rather than watching the road.  Reaching for food, finding cosmetics in a purse, searching for something in the glove compartment, adjusting vehicle control settings, smoking, and reading work materials while driving all qualify as manual distractions. 

Causing a distracted driving accident can potentially lead to civil liability if you injure another person.  Criminal charges and penalties may also be imposed if the circumstances and/or level of injuries caused in the accident qualify.  But most importantly, the safety of you, your vehicle occupants, and everyone else you come into contact with on the road are at stake every time you get behind the wheel.  Seriously injuring yourself, a loved one, or even a complete stranger can have devastating consequences on everyone involved in such a serious accident.  Sadly, while distracted driving is easily preventable, each year we see distracted driving caused accident statistics continue to rise.

If you or someone you know was injured in a distracted driving accident caused by another, we can help immediately. At Goldman, Tiseo and Sturges, P.A., our AV-rated car accident attorneys provide client-focused, personalized legal guidance to those injured in automobile accidents. We do not permit our clients to pay for the mistakes of others.  Please call us at (941) 625-6666 for a FREE initial personal injury consultation with our experienced automobile accident attorneys.

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By Jason B. Goldman February 4, 2026
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By Jason B. Goldman February 4, 2026
As 2026 approaches , many Charlotte County residents are thinking about fresh starts, new goals, and long-term planning. While updating calendars and resolutions is common this time of year, reviewing your homeowner’s liability coverage is an important step that often gets overlooked. Even in close-knit communities like ours, accidents can happen and without adequate coverage, a single incident could have lasting financial and legal consequences. Understanding Liability Coverage in Homeowners Insurance Most homeowners’ insurance policies include personal liability coverage designed to help protect you if someone is injured on your property or if you cause damage to someone else’s property. This may include coverage for medical expenses, legal defense costs, and potential settlements. However, many standard policies have limits that may not align with today’s rising medical costs, legal expenses, and settlement amounts, especially as we head into 2026. Why Standard Coverage May Not Be Enough in 2026 As lifestyles evolve and homes become more multifunctional, liability risks continue to grow. Some common scenarios include: Rising Medical Costs Injury-related medical expenses have increased steadily, and even a seemingly minor accident can result in bills that exceed basic policy limits. Increased Legal Exposure Lawsuits related to slip-and-fall accidents, guest injuries, or property conditions can quickly escalate. Legal defense costs alone may strain limited coverage. Pools, Docks, and Outdoor Living Spaces Charlotte County’s outdoor lifestyle often includes pools, docks, patios, and water features: all of which can increase liability exposure if someone is injured. Activity Beyond the Home Certain incidents that occur away from your property may not be fully covered under a standard homeowner’s policy, leaving gaps in protection. Additional Coverage Options to Consider To strengthen protection going into 2026, homeowners often explore: Umbrella Liability Policies These policies provide an extra layer of protection above standard limits, offering broader coverage at a relatively affordable cost. Expanded Coverage for Secondary or Rental Properties If you own a vacation home, rental property, or short-term rental, standard homeowners’ coverage may not apply — making supplemental liability coverage essential. Scheduled Coverage for High-Value Assets  Items such as collectibles, tools, or specialty equipment may require additional protection beyond standard policy limits. Why This Matters for Charlotte County Residents From waterfront properties and seasonal visitors to year-round outdoor activities, Charlotte County presents unique liability considerations. Preparing now allows homeowners to move into 2026 with confidence, knowing they are protected against unexpected claims. Planning Ahead for Peace of Mind Reviewing your liability coverage isn’t just about insurance — it’s about protecting your financial security and your future. Taking proactive steps today can help prevent legal and financial stress tomorrow. At GTS Law Firm, we regularly help Charlotte County residents navigate liability issues and understand how insurance coverage and personal injury law intersect. If you have questions about liability exposure or find yourself facing a claim, our team is here to help. As we move into 2026, a little preparation can go a long way toward peace of mind.
By Jason B. Goldman December 31, 2025
As 2026 approaches , many Charlotte County residents are thinking about fresh starts, new goals, and long-term planning. While updating calendars and resolutions is common this time of year, reviewing your homeowner’s liability coverage is an important step that often gets overlooked. Even in close-knit communities like ours, accidents can happen and without adequate coverage, a single incident could have lasting financial and legal consequences. Understanding Liability Coverage in Homeowners Insurance Most homeowners’ insurance policies include personal liability coverage designed to help protect you if someone is injured on your property or if you cause damage to someone else’s property. This may include coverage for medical expenses, legal defense costs, and potential settlements. However, many standard policies have limits that may not align with today’s rising medical costs, legal expenses, and settlement amounts, especially as we head into 2026. Why Standard Coverage May Not Be Enough in 2026 As lifestyles evolve and homes become more multifunctional, liability risks continue to grow. Some common scenarios include: Rising Medical Costs Injury-related medical expenses have increased steadily, and even a seemingly minor accident can result in bills that exceed basic policy limits. Increased Legal Exposure Lawsuits related to slip-and-fall accidents, guest injuries, or property conditions can quickly escalate. Legal defense costs alone may strain limited coverage. Pools, Docks, and Outdoor Living Spaces Charlotte County’s outdoor lifestyle often includes pools, docks, patios, and water features: all of which can increase liability exposure if someone is injured. Activity Beyond the Home Certain incidents that occur away from your property may not be fully covered under a standard homeowner’s policy, leaving gaps in protection. Additional Coverage Options to Consider To strengthen protection going into 2026, homeowners often explore: Umbrella Liability Policies These policies provide an extra layer of protection above standard limits, offering broader coverage at a relatively affordable cost. Expanded Coverage for Secondary or Rental Properties If you own a vacation home, rental property, or short-term rental, standard homeowners’ coverage may not apply — making supplemental liability coverage essential. Scheduled Coverage for High-Value Assets  Items such as collectibles, tools, or specialty equipment may require additional protection beyond standard policy limits. Why This Matters for Charlotte County Residents From waterfront properties and seasonal visitors to year-round outdoor activities, Charlotte County presents unique liability considerations. Preparing now allows homeowners to move into 2026 with confidence, knowing they are protected against unexpected claims. Planning Ahead for Peace of Mind Reviewing your liability coverage isn’t just about insurance — it’s about protecting your financial security and your future. Taking proactive steps today can help prevent legal and financial stress tomorrow. At GTS Law Firm, we regularly help Charlotte County residents navigate liability issues and understand how insurance coverage and personal injury law intersect. If you have questions about liability exposure or find yourself facing a claim, our team is here to help. As we move into 2026, a little preparation can go a long way toward peace of mind.
By Jason B. Goldman December 31, 2025
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