In today’s fast-paced world, it’s too easy to let distractions invade our time behind the wheel. Distracted driving is a growing concern that poses a significant risk not only to the driver but also to passengers and others on the road. As technology becomes more embedded in our daily lives, understanding the dangers and consequences of distracted driving is more important than ever.

What is Distracted Driving?

Distracted driving refers to any activity that diverts attention from driving. This includes using your phone to text or call, eating and drinking, adjusting the radio, or even having a conversation with passengers. According to the National Highway Traffic Safety Administration (NHTSA), over 390,000 injuries occur each year due to accidents involving texting while driving.

Why It Matters

The consequences of distracted driving can be severe. In 2021 alone, nearly 3,500 lives were lost due to accidents caused by distractions. A moment of inattention can lead to devastating outcomes, affecting not just the distracted driver but also innocent people on the road.

Tips to Stay Focused

1. **Put Your Phone Away: ** If possible, silence your phone and store it out of reach. Use apps that block notifications while driving to minimize temptation.

2. **Plan Ahead: ** Before getting on the road, set your GPS, adjust your music, and ensure everything you need for your trip is within reach.

3. **Limit Passenger Distractions: ** Encourage passengers to keep conversations light and avoid engaging in activities that could distract you while driving.

4. **Stay Calm: ** If you 're feeling stressed or anxious, take a moment to breathe and focus on the road. Pull over safely if you need to regroup.

5. **Educate Others: ** Share knowledge about the dangers of distracted driving with friends and family. Raising awareness can help create a culture of safer driving practices.

Distracted driving is a preventable hazard that demands our attention. By staying focused behind the wheel, we can protect ourselves and others on the road. Let’s commit to safer driving habits and help reduce the alarming statistics around distracted driving. Remember, when you operate a motor vehicle, nothing should divert your attention from the road ahead. Safe travels!

​When it comes to protecting your home and belongings, understanding your insurance options is crucial. Two common types of coverage are replacement cost value (RCV) and actual cash value (ACV). 

To help clarify your options, we've prepared an overview of these coverages. Swipe through to learn more. 

Contact us today to discuss your coverage needs and find the best solution for your peace of mind.

​Unique among motor sports, driving all-terrain vehicles in Texas combines an exhilarating workout with a test of maneuvering skills and a hearty dose of adrenaline. Fun as it is though, it can be a risky activity. So, take a systematic approach to keeping things safe before, during and after your outings.

Before You Go

·        Take a Course
Formal hands-on training courses cover how to control ATVs in commonplace situations. The ATV Safety Institute typically offers its ATV Rider Course free to anyone who buys a new qualifying machine from an institute member. Call 1-800-887-2887 or visit atvsafety.org for class information.


·        Dress for Success
A motorcycle or other motorized sports helmet, certified by the U.S. Department of Transportation, is a must. You’ll also want to suit up with over-the-ankle boots and long pants, a long-sleeved shirt, goggles and gloves.


·        Remember Insurance
Riding on state-owned land? Many states requireATV insurance, which offers coverage options similar to what’s available for motorcycles – liability, comprehensive, collision, safety apparel replacement, roadside assistance and more.

During the Ride

·        Don’t Share the Seat
You’ll want to be free to shift your weight according to the terrain and the situation. Passengers make it difficult – and dangerous.


·        Stay Off the Road
ATVs simply aren't street-legal machines, at least not in most states. The solid rear axle with no differential means they can be hard to handle on pavement.


·        Let Kids Be Kids
Children should never be allowed to drive or ride on an adult ATV. Someone under 16 on an adult ATV is twice as likely to sustain an injury as a child riding a youth ATV, according to ATVSafety.gov.

After the Outing

·        Wait to Celebrate
This is when you get to unwind with a cold one, not before. You need sharp reaction time and judgment, so don’t ever drive ATVs under the influence of alcohol or drugs.
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We here at First Community Financial Group want you to enjoy your ATV outings this summer, while staying safe. Just give us a ring if we can help you explore ATV insurance options!

Golf Carts look quite easy to drive, but they sure handle differently than other vehicles. When I was 14, I thought I could just hop on one and drive it like a pro. Well I drove it … right into a tree. I learned the hard way that I should’ve taken things slow and let someone else teach me how to drive it. Now I know how to drive one – without crashing – and so can you! Here are some Golf Cart safety tips to read up on before you hit the gas and make the same mistake I did.


1.     Check your state-specific laws for age and license requirements.
2.    If it's someone else's Golf Cart, have them show you how everything works. They'll know how it runs and how you should safely handle it. If it's yours and you're riding for the first time, read the owner's manual, take things slow and practice.
3.     Keep all body parts in the vehicle and wear seat belts if available.
4.     Carry no more than the designated amount of passengers (or the total number of seats).
5.     Never drive any vehicle under the influence.
6.     Golf Carts can tip quite easily, so take turns, inclines and declines slowly.
7.     Avoid distractions, such as using your phone while driving.
8.     Don't allow anyone to stand in/on the vehicle while in motion.
9.     Obey all traffic laws.
10.  Use hand signals if the cart isn't equipped with turn signals.
11.  Yield to pedestrians.
12.  Check your blind spots.
13.  Look behind you before backing up.
14.  Don't leave keys in the Golf Cart.
15.  Avoid driving if you see lightning.
Review your manufacturer's guide for other warnings and safety guidelines!

To protect your Golf Cart, insure it with Foremost®! Don't let your fun get cut short because you didn't get the right coverage for your ride. Luckily, an agent can help you choose the right policy for your Golf Cart.
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Visit: Foremost.com/Products/Golf-Cart/ for more information.