Insurance Insights: Drifting Thoughts
It bears repeating that texting or using a cellphone while driving distracts drivers from the important business at hand. According to the National Safety Council (NSC) estimates, cellphone use while driving causes approximately one-quarter of all crashes annually. Whereas texting while driving increases the risk of crashing by at least eight times, merely talking on the phone increases the risk of a crash fourfold. During one test of texting drivers’ likelihood of drifting into an adjacent lane, 60 percent of the drivers involved in the study admitted to believing that texting while driving was more dangerous than they previously thought. Unfortunately, too many texting drivers wait until their vehicles have crashed to reach a similar conclusion.
Texting while driving is banned in 46 states plus the District of Columbia. But whether a violation will affect your car insurance rates depends on the specifics of the laws in your state and your insurance company’s pricing formula. To learn more, please call our office. We are more than insurance specialists; we are your advocates. We make ourselves available to clients, explaining coverage options and navigating issues until they’re resolved.
Quick Tip: It is sadly ironic that, as vehicles have become safer and smarter than at any other time in American history, traffic deaths have spiked in the last two years, reversing a general decline.