Distracted driving has become one of the leading causes of car accidents across the country. With more distractions than ever, from smartphones to navigation systems, the risk of losing focus behind the wheel has dramatically increased. Not only does this put you and others on the road at risk, but it can also have a serious impact on your car insurance rates.
The Dangers of Distracted Driving
When drivers take their attention off the road, even for a few seconds, the results can be catastrophic. Whether it’s texting, eating, adjusting the radio, or using a GPS, these actions divert focus from driving and significantly increase the likelihood of an accident. According to the National Highway Traffic Safety Administration (NHTSA), distracted driving causes thousands of fatalities and hundreds of thousands of injuries every year.
Distracted driving isn’t just about texting; it encompasses any activity that takes your hands off the wheel, your eyes off the road, or your mind away from the task of driving. Even something as simple as talking to passengers or adjusting controls can result in a delayed reaction time that leads to a collision.
How Distracted Driving Impacts Your Car Insurance
One of the biggest financial consequences of distracted driving is the effect it has on your car insurance premiums. If you’re found at fault in an accident caused by distracted driving, your insurance rates can increase significantly. Insurance companies view distracted drivers as high-risk, and this means higher premiums for you.
In some cases, repeated incidents or serious accidents can result in your policy being canceled altogether. Beyond just increasing rates, an accident caused by distracted driving could lead to expensive out-of-pocket costs if your policy doesn’t fully cover damages or injuries.
Avoiding Distracted Driving and Protecting Your Insurance Rates
The best way to protect your insurance rates—and more importantly, your safety—is to avoid distractions while driving. Keep your phone out of reach, set your GPS before hitting the road, and save eating or adjusting controls for when you’re parked. By staying focused, you can help prevent accidents, keep your insurance rates down, and make the roads safer for everyone.
If you’ve been involved in an accident due to distracted driving, it’s crucial to review your insurance policy and understand how it impacts your coverage.
Keeping your insurance policy up to date and knowing your options can prevent unwanted surprises down the road. For questions about your car insurance or to get your free comparison quote, call us today at 714-968-8008.
