Guilty as Charged!

  Ok, maybe I don't apply makeup while actually driving, but I am guilty of applying mascara or fixing my lipgloss in between lights or stop and go traffic.  However, read on to find out why thats probably not the smartest idea...

Applying Makeup While Driving Can Raise Your Insurance Rates

Posted 2 hours ago by Linda Melone

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.

Germond says, “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.

Have a great day!

Xo 

Rach