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 c ...
