Drivers who are drinking and stuffing their faces while on the road are a serious problem.

The term "distracted driving" refers to anything that takes your eyes, hands, or mind off of driving. Eating while you drive is one of the most distracting things you can do, according to several surveys by insurance companies and data from the National Highway Traffic Safety Administration (NHTSA). In 2006, a NHTSA study reported that 80 percent of all the nation's car crashes involved some type of driver distraction, with "eating on the run" listed as one of the many distractions that plague motorists today.

Could this be you in the car?

Photo courtesy of Hagerty Classic Insurance

Though NHTSA doesn't track specific information on food-related distraction, it does track general distractions. Distractions in cars were considered the cause in 25 percent of more than 6.3 million auto crashes, with most accidents occurring within three seconds of a driver being distracted.

According to a distracted driving pamphlet from Liberty Mutual Insurance Group, some common forms of driver distractions include: outside accidents, adjusting the radio, children, pets, objects moving in the vehicle, eating/drinking, using a cell phone/texting, smoking, putting on makeup, shaving, reading a newspaper, etc. Unless driving is your No. 1 priority, there is a big chance that drivers will be involved in a traffic mishap sooner or later — even a serious one.

According to NHTSA, "distraction was most likely to be involved in rear-end collisions in which the lead vehicle was stopped and in single-vehicle crashes." What makes distraction such a problem is the confluence of the distraction, such as eating, and the unexpected occurrence of events on the road, such as a sharp curve or a driver stopped ahead of you.

Distracting food

Hagerty Classic Insurance, a provider of classic-car insurance, began to look more closely at this issue after a DMV check on an insurance applicant turned up a "restraining order" against anything edible within his reach while driving. The man apparently had several previous accidents related to food on his driving record.

In addition, Hagerty President McKeel Hagerty says his company often receives claims for damage to the interior of classic cars caused by food. "It's tough to replace original wool carpets or particular colors of leather seats," he says.

In looking at the insurer's history of claims, Hagerty found that most drivers had problems in the morning on the way to work, when spills were likely to mar their work attire. That made drivers more anxious to clean up spills while still trying to drive, and didn't necessarily make them more likely to pull off the road to deal with the mess.

"It really seems it's more the spill than the eating," says Hagerty. "Anything that drips is probably not a good idea." Hagerty and his staff decided to do a study of their own to see which foods are the worst offenders, and although Hagerty says he ruined a few shirts in the process, they found some interesting information.

Coffee is the top offender because of its tendency to spill. Even in cups with travel lids, somehow the liquid finds its way out of the opening each time you hit a bump, says Hagerty. "I've certainly spilled my share of coffee while I'm driving, and it's not when I'm trying to drink, it's when I hit bumps in the road." And if the stain on your clothes isn't bad enough, the high temperature of most coffees can cause serious burns and distract drivers who are trying to drive while in pain.

The top 10 food offenders in a car are:

1. Coffee — It always finds a way out of the cup.
2. Hot soup — Many people drink it like coffee and run the same risks.
3. Tacos — "A food that can disassemble itself without much help, leaving your car looking like a salad bar," says Hagerty.
4. Chili — The potential for drips and slops down the front of clothing is significant.
5. Hamburgers — From the grease of the burger to ketchup and mustard, it could all end up on your hands, your clothes, and the steering wheel.
6. Barbecued food — The same issue arises for barbecued foods as for hamburgers. The sauce may be great, but if you have to lick your fingers, the sauce will end up on whatever you touch.
7. Fried chicken — Another food that leaves you with greasy hands, which means constantly wiping them on something, even if it's your shirt. It also makes the steering wheel greasy.
8. Jelly or cream-filled donuts — Has anyone eaten a jelly donut without some of the center oozing out? Raspberry jelly can be difficult at best to remove from material.
9. Soft drinks — Not only are they subject to spills, but also the carbonated kind can fizz as you're drinking if you make sudden movements, and most of us remember cola fizz in the nose from childhood. It isn't any more pleasant now.
10. Chocolate — Like greasy foods, chocolate coats the fingers as it melts against the warmth of your skin, and leaves its mark anywhere you touch. As you try to clean it off the steering wheel you're likely to end up swerving.

Insurance companies such as State Farm Insurance and Allstate Insurance Co. don't track specific information on eating and driving because it's too difficult to break it down. State Farm says the company is aware it is a problem. The difficulty in pinning down the exact cause of accidents lies in separating distractions such as cell phone use, talking to passengers, reading the newspaper, and eating, all of which drivers engage in while also trying to operate a two-ton piece of machinery.

Hagerty found that driving a standard vehicle with a stick shift while eating can double the potential for an accident, since one hand is holding food and the other hand is shifting. That leaves no hands for steering, says Hagerty. Even more dangerous is using a cell phone, eating, and driving. "When the phone rings, the driving distraction increases significantly and, in a rush to answer, drivers forget they're driving," says Hagerty.

Liberty Mutual Insurance Group offers the following tips for safe driving:

Keep your eyes on the road

• Review maps before hitting the road
• Do your personal grooming at home
• Use the memory dial feature on your cell phone whenever possible