3 Distracted Driving Examples That Aren’t Your Cell Phone

When we think of distracted driving, we most often think of cell phones, but distracted driving can mean more than just those electronic devices. Learn about distracted driving examples spanning visual, manual, and cognitive categories that affect road safety.
April 21, 2025 | Auto
By: Lisa D.
Lisa D. has almost 20 years of experience in the insurance industry, including over 15 years at Acuity. Before starting at Acuity, she obtained her P&C license and sold personal insurance. She keeps a pulse on industry trends while continuing to specialize in developing and updating personal auto insurance products. On top of that, Lisa has her Association in General Insurance (AINS) and Associate in Personal Insurance (API) designations. Outside of work, Lisa enjoys cooking, photography, and spending time with her family. The last two go hand in hand, as she takes pictures of her kids every day.

Author of Auto Focus

We’ve all heard the warnings: put the phone down, focus on the road. But distraction behind the wheel isn’t just about texts and calls—it goes far beyond the screen. From spilled coffee to a wandering mind, distractions come in many forms, and they can all be dangerous.


The Numbers Don’t Lie

Despite all the reminders, distracted driving continues to be a serious problem on our roads. The latest stats from the National Highway Traffic Safety Administration (NHTSA) tell a troubling story:

  • More than 360,000 people were injured in crashes involving distracted driving in 2021—an 11% increase from 2020.

  • 13% of all vehicle collisions are tied to distraction as a contributing factor.

  • In a 2022 survey, 77% of drivers admitted to using a cell phone while driving.

  • 34% said they had nearly crashed due to being distracted behind the wheel.

And this isn’t just an issue with young or inexperienced drivers. The reality is, it can happen to anyone.

 

The Three Types of Distraction

Distractions while driving generally fall into one of three categories—though they often overlap:

  1. Visual Distractions
    This is when your eyes leave the road. Common examples include:

    • Checking out a crash site

    • Looking for something that fell

    • A passenger showing you a funny meme

  2. Manual Distractions
    These occur when you take your hands off the wheel. Think:

    • Grabbing coffee

    • Adjusting the in-car entertainment system

    • Reaching back to help a child

    • Fixing your hair or makeup

  3. Cognitive Distractions
    Your mind isn’t on the road even if your eyes and hands are. This could mean:

    • Daydreaming

    • Stressing about an upcoming appointment

    • Having an intense conversation with a passenger

These categories aren’t always isolated. For example, you might spill a drink (manual), look down to clean it (visual), and feel flustered (cognitive)—all in the span of seconds.

 

Real-Life Consequences

Even brief distractions can lead to tragedy. In a recent insurance claim example, a semi-truck driver caused a fatal accident simply because he looked away to set his coffee mug in the cup holder. Just a few seconds of lost focus changed lives forever.

 

Stay Focused, Stay Safe

Distractions are everywhere, but staying aware and intentional behind the wheel can save lives—maybe even your own. So next time you drive:

  • Set your GPS before leaving

  • Silence your phone or use Do Not Disturb mode

  • Keep both hands on the wheel

  • Stay mentally present

The most important thing on the road is your attention. Everything else can wait.

By: Lisa D.
Lisa D. has almost 20 years of experience in the insurance industry, including over 15 years at Acuity. Before starting at Acuity, she obtained her P&C license and sold personal insurance. She keeps a pulse on industry trends while continuing to specialize in developing and updating personal auto insurance products. On top of that, Lisa has her Association in General Insurance (AINS) and Associate in Personal Insurance (API) designations. Outside of work, Lisa enjoys cooking, photography, and spending time with her family. The last two go hand in hand, as she takes pictures of her kids every day.

Author of Auto Focus