Most people know and understand they need insurance coverage for their vehicle. They understand that it is a legal requirement to run on the state highways of the nation. They also understand those basic auto insurance functions provide a pay-out should the worst happen. That’s all very fine and what a great world it would be if we all had to have just one simple insurance policy for both the vehicle and people.

But the world is just not like that. Some people just do not bother paying anything. Words simply fail me here. Accidents do happen. People sometimes get hurt and worse. Vehicle do get damaged and need repair in the shop. Others simply take what’s not theirs. Be that items in the vehicle or the vehicle itself.

The authorities do what they can but they know some drivers have no insurance or have had too much to drink. You can help yourself by taking out insurance products to protect yourself, your property and other road users.

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Driving while intoxicated is serious business. Your are at risk of causing serious injury or death, plus getting a DUI ticket can mean a big hit to your wallet, along with other problems.

Recently several smartphone apps have come on the market designed to help people avoid such problems.

R U Buzzed is basically a calculator (BAC ) which helps you estimate your blood alcohol level. You just enter basic information like body weight, how many
drinks you’ve had, etc.

Last Call is a similar app which goes into a little more detail. It even lists DUI lawyers in your area!

Phantom Alert is an app which gives you audible and visual warnings for Speed Traps and Cameras, Red Light Cameras, School Zones, DUI Checkpoints, and more. Some people are against PhantomAlert and consider it a Drunk Driving app.

Regardless of which app you use, you shouldn’t rely on it exclusively. Consider them to only be a tool that encourages responsible behaviour.

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