Your cell phone rings-do you answer it?

Chatting on a cell phone while driving increases your risk of a collision fourfold. According to the Insurance Institute of Highway Safety (IIHS), it’s as dangerous as driving under the influence, even if you switch to a hands-free model. Distractions, including using cell phones or other electronic devices, applying makeup, eating and adjusting the radio or CD-player, worsen a driver’s ability to react to hazardous situations. The safest way to drive is to avoid distractions and keep your attention on the road.