Person driving but not touching the steering wheel. Distracted driving, speeding, drunk driving and reckless driving are the top four causes of accidents. If we could eliminate these and other driver-related factors, the number of accidents would significantly drop. (Photo: Andrey Popov/Adobe Stock)

When cars were invented, horses were replaced by engines; saddles were replaced by seats; and reins were replaced by a steering wheel and foot pedals. There were no seat belts, safety bumpers, anti-lock brakes or other safety equipment. Windshields were optional. The Model T had a top speed of 40-45 miles per hour, which — considering the lack of safety equipment — was pretty fast.

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Christine G. Barlow, CPCU

Christine G. Barlow, CPCU, is Executive Editor of FC&S Expert Coverage Interpretation, a division of National Underwriter Company and ALM. Christine has over thirty years’ experience in the insurance industry, beginning as a claims adjuster then working as an underwriter and underwriting supervisor handling personal lines. Christine regularly presents and moderates webinars on a variety of topics and is an experienced presenter.