Because distracted driving has proven to be extraordinarily dangerous, distracted driving laws have limited what kinds of electronic devices can be used when driving. For example, the California Utility Consumers’ Action Network reports that California law prohibits the use of cell phones without hands free devices while driving. Across the nation, laws have been passed and bills have been proposed to limit and eradicate distracted driving. The White House has even set legislation of this nature as a priority for the year 2010. Individuals who violate distracted driving laws are not only subject to fines, but they could also be required to pay more for their car insurance.
According to the California Utility Consumers’ Action Network, using a cell phone will driving will be reported on a person’s driving history if that person is cited, although violation “points” will not be given. Because car insurance coverage is in part determined based on a person’s driving record, this blemish could increase a driver’s car insurance rate.
In addition, distracted driving can affect car insurance coverage in other ways. For instance, if you get in a car accident caused by distracted driving, your car insurance rates may skyrocket. Most insurance agencies higher rates for people who have a history of at-fault accidents. Avoiding accidents all together is the best way to avoid these rising car insurance costs. And because CBS recently noted that distracted driving has not decreased the amount of crash rates on the highway, you shouldn’t think that you are safer simply because these laws exist. Just because you’re abiding by them doesn’t mean that others will. Therefore, the best way to ensure you keep your low-cost car insurance is through being aware, not only of your own driving, but also that of others.
In addition, the possibility exists that distracted driving could affect your car insurance to a greater degree in the future. Today, devices that allow parents to monitor teens’ driving are available. Using such devices in cars would be one way that insurance companies could more accurately monitor distracted driving. For now, you should be sure to avoid distracted driving because the negative notes on your driving record could raise your car insurance, not to mention the accidents that occur could end your life. If you’re a safe driver who does not text or use cell phones while driving, however, you could see a positive effect on your car insurance, as safe drivers with many companies are rewarded with lower insurance rates. Distracted driving laws and insurance rates vary from state to state and company to company, but the safest option is always to drive without distractions.
