Does Distracted Driving Increase Insurance

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Post on Nov 07, 2024

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Does Distracted Driving Increase Your Car Insurance?

Distracted driving is a serious problem on our roads, and it can have devastating consequences. But can it also affect your car insurance premiums? The answer is a resounding yes.

How Distracted Driving Impacts Your Insurance

Insurance companies understand the risks associated with distracted driving. Here's how it can lead to higher premiums:

• Increased Risk of Accidents: Distracted drivers are more likely to be involved in accidents, leading to higher claim payouts for insurance companies.
• Higher Claims Costs: Accidents involving distracted driving tend to be more severe, resulting in higher repair costs, medical bills, and potential lawsuits.
• Negative Driving Record: Even if you're not at fault in an accident caused by distracted driving, having an accident on your record will negatively impact your insurance rates.

Types of Distracted Driving that Affect Insurance

There are many forms of distracted driving that insurance companies consider risky, including:

• Using a cell phone: Talking, texting, or even just glancing at your phone while driving is a major distraction.
• Eating and drinking: Focusing on food or beverages takes your attention away from the road.
• Adjusting the radio or GPS: Changing stations or navigating can lead to momentary inattention.
• Talking to passengers: Having a lively conversation can distract you from driving safely.
• Applying makeup or shaving: Any activity that takes your hands off the wheel or your eyes off the road is dangerous.

How to Avoid Increased Insurance Costs

The best way to avoid higher insurance premiums due to distracted driving is to simply avoid distractions altogether. Here are some key tips:

• Pull over to use your phone: If you must use your phone, find a safe place to park and make your call or send your message.
• Use hands-free devices: Even hands-free devices can still be distracting, so use them with caution.
• Focus on driving: Put away all distractions, including food, drinks, and personal grooming items.
• Plan your route: Program your GPS before you start driving to avoid distractions while navigating.
• Take breaks: If you're feeling tired or distracted, pull over and take a break.

The Bottom Line

Distracted driving is a serious issue that can lead to accidents, higher insurance premiums, and even legal consequences. By staying focused and avoiding distractions, you can protect yourself and others on the road while keeping your insurance rates low. Remember, your life and your insurance premiums are valuable – choose to drive distraction-free.