Distracted Driving & Auto Insurance

Do you ever feel like there's a call you just have to make on your cell phone while driving your car? If so, you better be sure that your liability insurance and collision coverage are in good shape with your insurer. And, if you're the parent of a newly driving teenager who is also armed with his or her own cell phone, you need to be especially sure that your auto insurance for a young driver is up to date because the chances are very high that you'll need it for the inevitable fender-bender, which can also mean good-bye to affordable car insurance.

Talking on the cell phone while driving has created a new "unsafe at any speed" situation on the modern highway. Not only does cell phone usage cut down on drivers' abilities to hear what's going on around them (such as sirens, car horns, people, etc.), it also takes a driver's attention away from the road.

Unfortunately, there doesn't seem to be a single solution to the prevalent "driving while on the phone" problem. Banning hand-held phones and opting for hands-free mobile phone technologies, such as headsets or Bluetooth ear buds, do not necessarily improve driving safety. And, until there is a solution, auto insurance rates are going to continue to skyrocket for anyone who causes an accident as a result of texting while driving.

The only real solution to this problem would be to simply turn cell phones off while driving so you won't be tempted to answer that phone call. But, human nature being what it is, this doesn't seem likely to happen on its own. Several states, including Virginia, Connecticut, New Jersey, New York and Utah, as well as the District of Columbia, have passed laws prohibiting the use of cell phones while driving. Similar laws in California and Washington will go into effect in 2008. Several more states have laws that ban or restrict young drivers from using their cell phones while driving, and in some places authorized personnel can even issue citations for a DWT: Driving While Texting.

In order to stay safe, and keep affordable insurance quotes from skyrocketing, refrain from using your cell phone while driving.

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