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.