Do you text while driving? Or, check e-mail? It's tempting just to take a quick peek - we know, but this is a deadly habit to get into.
The data is mounting: driving while texting or e-mailing can kill you.
Here are some real stats:

• 20 percent of injury crashes in 2010 involved reports of distracted driving.
  (NHTSA).
  
• In 2010, 5,474 people were killed in U.
  S.
  roadways and 448,000 were injured in crashes involving a distracted driver.
  (FARS and GES)
• 16 percent of all drivers younger than 20 involved in fatal crashes were reported to have been distracted while driving.
  (NHTSA)
• Drivers who use hand-held devices are four times as likely to crash.
  (Insurance Institute)
• Using a cell phone use while driving delays a driver's reactions as much as having a blood alcohol concentration of.
  08 percent.
  (Source: University of Utah)

Here are a few tips to help you break this deadly habit:

• Rule # 1: Never, ever, text while driving, period.
  
• Lock your phone or other personal electronic device in the glove compartment.
  Why fight temptation? Just put the source away.
  
• Let incoming calls go to voice mail while driving.
  Don't even look to see who it is.
  
• Don't talk to other risky drivers.
  If someone calls while they are driving, say: "Please call back later.
  " Text messages are trickier: if they are obviously sent from the road, ignore them and (later) ask that driver to stop.
  Social disapproval is a good way to encourage others not to text while driving.
  
• Pull over, if you must use your phone.
  If you really do need to talk to someone, or must use a device that requires your visual attention, pull off the road.
  If you're on the highway and must place a call or send a text message, get off at the nearest exit.
  Also, most calls are not urgent: weigh the risk of not calling or texting with the risk of losing control of your vehicle.
  
• Think of safety when buying a new car.
  Automakers are putting more and more entertainment inside cars.
  Consider buying a car that has fewer gadgets and more safety devices, which will also cost less to insure.
  
• Just be safe.
  Use common sense.
  Insurance is more than just financial protection.
  It's about keeping your risk to a minimum-so that you don't have that accident.
  And that's why we wanted to remind you to keep your hands on the wheel, and your eyes on the road - not on your smart phone.
  
• Remember, it's the law.
  In July 2009, Tennessee passed a law banning text messaging while driving.
  This is a primary law, which means that you can ticketed for this offense even if no other traffic offense has taken place.