Hasn’t everyone eaten or had a drink of something while they were driving? Haven’t you eaten your breakfast or lunch while rushing off to an appointment.

Several years ago, Hagerty Classic Insurance of Traverse City, Mich., got interested in the dangers of eating and driving after getting a claim from a driver who had received a “restraining order” against having anything edible within his reach because of being involved in numerous accidents related to food.

After some research, Hagerty, one of the world’s leading insurers of collectible autos, developed its “Ten Most Dangerous Foods to Eat While Driving.” Even though it’s a few years old, the list is still interesting, so here it is, starting with the bad and working down to the worst, as described by Hagerty:

10. Chocolate: Whatever you touch — steering wheels, stick shift, clothing or hair — will carry distinctive fingerprints. Drivers’ instinctive reactions are to clean the offending candy stains immediately, which distracts them from the road ahead.

9. Soft drinks: Suddenly wearing your soda as you pull out to pass could be a deadly distraction. Open containers holding liquids — hot or cold — can cause a lack of driver concentration when spilled across a shirt or lap.

8. Jelly and cream-filled donuts: Imagine the disaster as messy jelly oozes onto drivers’ clothes and they become more focused on the spill than the highway.

7. Fried chicken: Greasy hands are a sure distraction as drivers tend to constantly try to clean them while driving. Grease on a steering wheel is almost impossible to get off.

6. Any barbecued food: Barbecue sauce may be delicious, but drivers should remember that “if it can drip, don’t eat it while you drive.”

5. Juicy hamburgers: The same goes for foods that contain messy or greasy extras. A $5 hamburger deluxe could turn into $500 worth of repairs if dripping condiments, special sauces or greasy meat juices distract the driver.

4. Chili: Anything containing chili like a chili dog, sloppy joe or Coney dog. Steering chili-covered foods to your mouth while steering a car around a corner requires more dexterity than humans possess.

3. Tacos: Here’s a foodstuff that can disassemble itself without much help while being consumed. One good road bump and the seat of your car looks like a salad bar.

2: Hot soups: Eating soup while trying to manipulate a gearshift is not sensible. It’s the equivalent to a circus juggling act; a sure recipe for disaster.

(And the most dangerous food to consumer while driving … drum roll please…)

1. Coffee: Uncovered drinks generally are the greatest offenders for unexpected splashes and spills. Nobody wants to look soiled or messy, especially on the way to work, and coffee spills are the worst because drivers invariably try to make instant cleanups while still driving. In addition, hot coffee is often served at temperatures near scalding and can cause serious burns that also divert a driver’s focus.

In its research, Hagerty also learned that:

–More food-related accidents happen in the morning than in the evening because people are concerned about their appearance on the way to work.

–The odds of having a food-related accident can double if the vehicle has a stick shift. Eating, shifting and steering requires more dexterity and makes driving harder.

–The most hazardous driving situation combines eating with cell phone use.

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