Texting and Driving

Texting and driving is an unsafe practice just like driving while tired that leads to thousands of accidents every year. Almost everyone these days has a cell phone and many commonly use theirs while driving. However, talking or texting on a cell phone while driving is incredibly dangerous and has even become illegal in most states. It can be nearly impossible to remain focused while talking on your cell phone and texting is even more dangerous. Not only can texting on your phone while driving lead to accidents and even deaths, it also will lead to greatly increased insurance premiums. If you are driving while texting and cause an accident, the insurance company will be much more hesitant to offer you competitive rates, and your rates and prices will greatly increase. Insurance companies try to avoid any risk wherever possible, and someone that uses their cell phone while driving represents a large risk.

Texting and Accidents

Studies were recently done on the effects of texting while driving and the results were fairly concerning. These studies showed that driving while texting or talking on the phone leads to a much higher incidence of accidents. Teens are especially prone to use their phones while driving and therefore much more likely to cause accidents.

Talking on your cell phone while driving is already considered dangerous, but texting is much more risky. When you are texting while driving, you are spending more time looking at your phone than looking at the road. Taking your eyes off of the road for even just a few seconds can lead to large accidents, injury and even death. Due to the amount of time that you may not be paying attention to the road, texting can be one of the most dangerous things that you can do while driving.

Effects of Texting

An accident that may come as the result of texting while driving is going to cause some fairly serious problems. First of all, you may have to assume responsibility for injuries or deaths that come as a result of your distracted driving. Because texting while driving is illegal in many states, you may even end up being convicted of a crime should you injure or kill someone. A lesser-known effect of accidents that occur as a result of texting while driving is that your insurance rates are going to go up. Higher insurance rates almost always follow an accident, and insurers do not like offering their services to risky or distracted drivers. Higher premiums and rates can mean that you will be paying hundreds of dollars extra every year. This increase in rates can easily be avoided by being a safe driver, and leaving your cell phone off while you are driving.

In most states, it is actually illegal to text or talk on your phone while you are driving. Getting a ticket for using your cell phone on the road is going to be expensive. You will have to pay the ticket fines as well as the higher insurance rates that may come as a result. Insurance companies will see your distracted driving ticket as a warning sign that you may be more prone to submit claims. These companies do not like to take risks and they will not offer you good rates.

Texting and driving is a dangerous practice that should be avoided by young and old alike. Texting while traveling is essentially endangering the lives of everyone on the road as well. Not to mention it will be endangering your insurance rates at the same time.


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