It's one of those moments that plays out in a flash — a driver pulls out unexpectedly, another reacts too late, and everything changes. The brief script from Insurance Hour's episode, "Remember to Drive Safely," captures a hauntingly familiar exchange:
"I thought there was time… I don't have time to stop."
"Please, I've got my boy in the back."
In a few words, it distills the real human cost of distracted or hurried driving. It's not about fines or deductibles — it's about lives interrupted, families torn apart, and regret that can't be undone.
Host and insurance expert Karl Susman used this short, emotional scenario to spark a broader conversation: Why do we continue to underestimate road risk, even though we know better? And what role does insurance play in preventing — or at least softening — these tragedies?
The dialogue in this episode isn't hypothetical — it's rooted in thousands of real-world accidents that happen every day. According to the National Highway Traffic Safety Administration (NHTSA), roughly 94% of all crashes are caused by driver error.
These aren't always reckless drivers. They're parents, commuters, delivery workers, and everyday people — just like the man in the clip — who thought they had time to turn, check their phone, or beat the light.
"It's a simple mistake," he says. But in driving, simple mistakes have profound consequences.
The emotional realism of this moment reminds us: driving safely isn't just a slogan — it's a moral and financial responsibility we owe to ourselves, our passengers, and every other person on the road.
Speeding remains the number one contributing factor in fatal crashes. Going just 10 mph over the limit reduces a driver's reaction time dramatically — the difference between a near miss and a collision.
From an insurance perspective, the cost doesn't stop at the crash scene.
Speeding tickets can raise your auto insurance premiums by 20–40% for three years.
At-fault accidents can cause rates to double or even triple, depending on the carrier and severity.
Even minor collisions can result in thousands in out-of-pocket deductibles before coverage kicks in.
Susman often reminds listeners that insurance isn't a substitute for caution.
"Your policy will pay for the car," he says, "but it won't fix a lifetime of regret."
In other words, while coverage can mitigate financial loss, it can't undo emotional or physical harm.
In recent years, distracted driving — especially smartphone use — has overtaken drunk driving as one of the most dangerous behaviors on the road.
The Insurance Institute for Highway Safety (IIHS) reports that texting while driving increases crash risk by up to 400%. Yet millions of drivers still glance at notifications, confident they can multitask safely.
"I was just checking the GPS," is one of the most common statements drivers make after a crash.
But in that two-second glance, a car moving at 60 mph travels nearly 180 feet — more than half the length of a football field.
Insurance companies are now using telematics technology — smartphone apps or plug-in devices — to monitor driving behavior. These tools track hard braking, rapid acceleration, and phone use.
Susman points out that these programs can be both a carrot and stick:
Safe drivers can earn discounts of 10–30%.
Distracted drivers may lose eligibility for renewal or face surcharges.
Technology, in this case, is becoming a mirror — reflecting how well (or how dangerously) we actually drive.
In the brief exchange between the two drivers — one panicked, one pleading — lies the hidden cost of every accident: guilt, fear, and emotional trauma.
For victims, the aftermath can include not just physical recovery but psychological distress — anxiety, depression, or post-traumatic stress disorder (PTSD). For those at fault, the guilt can linger long after claims are settled and repairs are made.
Insurance can't erase these consequences, but it can help with certain types of support:
Medical payments (MedPay) or Personal Injury Protection (PIP) may cover mental health treatment following an accident.
Some umbrella liability policies extend to counseling services for affected families.
Susman encourages policyholders to ask what's included:
"We think of car insurance as fixing metal and glass, but the best policies also help repair lives."
Even minor accidents can create lasting financial ripple effects.
Here's what many drivers don't realize until it's too late:
If you cause injuries exceeding your liability limits, you could be personally sued for the remainder.
Medical costs for severe crashes can exceed $1 million — far beyond the average $100,000/$300,000 liability policy.
Without umbrella coverage, your home, savings, and even future wages can be at risk.
Umbrella insurance, typically adding $1–$5 million in extra protection for as little as $200–$400 per year, is one of the most cost-effective safeguards for drivers.
"You don't have to be rich to need umbrella insurance," Susman explains. "You just have to have something to lose."
The episode's central message — "Remember to drive safely" — might sound like common sense, but it's also a financial strategy.
Insurance pricing is fundamentally about risk behavior. Carriers don't just rate based on age and location anymore — they evaluate driving history, claims data, and behavior patterns.
Drivers who consistently demonstrate safety benefit in measurable ways:
Accident-free discounts (often 10–25%)
Good driver bonuses and claim forgiveness programs
Lower deductibles over time through safe-driving rewards
In short, safe driving isn't just ethical — it's economically smart.
Susman often notes that driving lessons start long before a teen gets their permit — they begin when children observe how parents behave behind the wheel.
If a child regularly sees speeding, phone use, or aggressive driving, those habits become normalized. Conversely, consistent seatbelt use, calm reactions, and defensive driving teach responsibility through example.
"We're not just driving for ourselves," Susman said. "We're teaching the next driver who's sitting right behind us."
Insurance companies have recognized this, too — offering teen driver programs that combine education with discounts for completing defensive driving courses.
Even safe drivers can't control everything. Accidents, mechanical failures, and natural hazards happen — but preparation can minimize chaos.
Susman recommends every driver keep a vehicle emergency kit that includes:
First aid supplies
Reflective warning triangles or flares
Portable phone charger
Flashlight and batteries
Copy of insurance ID cards and contact numbers
In a serious crash, knowing what to do — and having the right tools — can protect you physically, emotionally, and financially.
To ensure you're fully protected before you hit the road, review these essential coverages:
| Coverage Type | What It Protects | Recommended Limit |
|---|---|---|
| Liability | Injuries or damage you cause to others | At least $250,000/$500,000 |
| Collision | Repairs for your car after an accident | Based on vehicle value |
| Comprehensive | Theft, vandalism, natural disasters | Full coverage for newer cars |
| Uninsured/Underinsured Motorist | Protection from drivers without sufficient insurance | Match your liability limits |
| Medical Payments/PIP | Medical bills and rehabilitation | $10,000–$50,000 |
| Umbrella | Extra liability beyond your auto/home policy | $1–5 million |
| Roadside Assistance | Towing, lockout, fuel, or flat tires | Optional but valuable |
Keeping your policy updated ensures that when the unexpected happens, you're covered — not cornered.
The emotional weight of Insurance Hour's "Remember to Drive Safely" comes not from statistics or policy language, but from the raw humanity in that moment: panic, remorse, and a plea for safety.
It's a reminder that every number on an insurance policy — every deductible, limit, and claim — represents real people.
As Karl Susman often says:
"Insurance is about replacing things. But what we really want to protect is time, peace, and the people we love."
So before you rush to make that turn, glance at your phone, or push five miles faster — pause. The second you save isn't worth the lifetime you could lose.
Drive safe. Always.
