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Do not use cell phones, PDAs, Smartphones or other hand-held devices while driving.

Never drink and drive. Call a friend or a taxi to take you home.

Slow down! Plan your itinerary ahead of time and leave earlier to prevent rushing.

Feeling drowsy? Let someone else drive or if you are alone, pull over to a safe place.

Always buckle up and ensure all your passengers are wearing a safety belt.

Eliminate distractions such as looking at a map, reading or personal grooming.

Be extra careful when adjusting your accessories (heating, air conditioning, radio, etc.)

Use the right tires for the right season because inappropriate tires can cause skidding and other accidents.

Maintain a safe distance between you and the car in front to give yourself enough time and space to steer clear of danger.

Signal your intentions and check your blind spots when changing lanes or direction.

Endorsement

An addition or change to an Insurance Policy that alters what it covers.

Primary driver of the Vehicle

The person who drives a particular car most of the time.

Secondary driver of the Vehicle

Someone who drives the car frequently but not as often as the primary driver.

Insurance premium

The amount of money you pay the insurance company in return for the insurance coverage described in your policy.

At Fault Accident

An incident involving a motor vehicle which results in harm to individuals, damage to property or car(s) where you are deemed partially or wholly responsible.