Over the past decade, cell phones have evolved from luxury items to absolute necessities for most on-the-go Americans. Consumers now use cell phones not only for business and personal calls but also to text message, take pictures, and even listen to their favorite music. The omnipresent nature of cell phones is not, however, without a price as the National Traffic and Highway Safety Administration (NTHSA) estimates cell phone-related car accidents are on the rise with distracted drivers causing over 25% of all police-reported traffic accidents.

The speed trap. Mere mention of this law enforcement technique causes many a heart rate to increase and a lead foot to cringe. After all, we all know we`re not supposed to speed but do the police have to be so sneaky to catch speeders?

Children are undoubtedly the most precious cargo that any parent carries in their automobile. Nevertheless, improper usage of child restraint systems needlessly injures thousands of children on Texas`s roads each year. While some of these injuries are caused by clear violations of Texas`s car seat law, advocates for broader car seat laws claim that many of the injuries occur because Texas`s car seat law doesn`t go far enough.

CLEVELAND, OH - September 17, 2007 - Insurance.com, the largest online auto insurance agency in the United States, reports that car insurance rates continue to decrease depending on geographical location.

Auto insurance in Texas is mandatory. The Automobile Insurance Consumer Bill of Rights in Texas gives you clear guidelines as to your auto insurance requirements. This is given to you along with your insurance policy. If you are a driver in Texas, your auto insurance minimum coverage must be 20/40/15. This ensures $20,000 per injured person, up to a total of $40,000 for all those injured and $15,000 for property damage. This basic coverage may not be adequate if you are held liable for an accident. So it is safe to consider more than the basic limits. Texas auto insurance quote provides eight types of coverage: Liability, Medical payments, Personal Injury Protection (PIP), Uninsured/Underinsured Motorist (UM/UIM), Collision, Comprehensive, Towing and Labor as well as Rental reimbursement. Under Texas law, there are severe penalties for violating financial responsibility laws.

Auto owner insurance is a contract between you and the insurance provider that provides specific automobile liability coverage for you. This involves regular payment of premiums on your part. Car insurance protects you and others from the risks involved with owning and driving an automobile such as traffic accidents, theft, fire, vandalism and natural disasters. Automobile owner insurance protects you against financial loss if you have an accident. Auto owner insurance can also provide you with extended services such as hiring another car when your vehicle is under repair for accident damage. A person seeking auto insurance coverage must apply to an auto insurance specialist company after collecting quotes. Automobiles are not covered under a homeowner's insurance policy. Automobile insurance is required in all the states of the U.S. Each state sets on its own limits on how much minimum insurance is required. It may be tempting to save on the insurance for automobile, but it is not worth the risk involved. Vehicle insurance forms one of the biggest components of the total car cost, along with financing, warranties and maintenance and repair. An auto insurance specialist offers the following liabilities to a vehicle owner in a basic auto insurance policy.

Various types of automobile claims and the procedure are to be followed while filing car insurance claims. When should you file an auto insurance claim? If the repair cost on your automobile is less than your deductible, it is prudent to pay the costs on your own instead of filing a vehicle insurance claim. Every automobile insurance claim that is made by you will be recorded in your insurance report, however small the amount. There is reluctance on the part of many consumers to file an insurance claim for auto accidents in the fear that it will lead to higher insurance premiums. Though the rules vary from company to company, the standard practice is that premiums are increased by specific percentages for each chargeable claim made against a policy above a specific amount. The time to take a good look at the auto insurance claim procedures and other aspects related to claims is at the time of finalizing the auto insurance policy. It is essential to know what is covered and what isn't in the auto insurance package. Several accidents may cause an insurance company to decide not to renew your policy.

AUSTIN -Texans have a new way to stay informed on statewide transportation issues: The Texas Department of Transportation Podcast Program. TxDOT, through its http://www.keeptexasmoving.com/ Web site, is offering a weekly podcast covering a wide variety of statewide transportation-related topics.

The Texas Transportation Commission is looking for interested citizens to form new advisory committees for the major transportation corridors, a move to give more Texans a seat at the table in developing statewide transportation corridors. The advisory committees will assist TxDOT with planning and decision making on statewide initiatives, such as the Trans-Texas Corridor.

AUSTIN - The Texas Department of Transportation today announced selections for the final three members of Executive Director Amadeo Saenz's leadership team. The new Assistant Executive Director for Engineering Operations is John Barton of Beaumont. The newly-formed office of Assistant Executive Director for District Operations will be lead by David Casteel of San Antonio. The newly-formed office of Assistant Executive Director for Innovative Project Development will be lead by Phil Russell of Austin.