Though many of us might not want to admit it, most of us text while driving. Despite the dangers that texting and driving presents, nearly 25% of all car accidents involve texting and driving. The dangers that come with distracted driving are all too real. An average response to a text message takes 4.6 seconds to compose. If a driver is going 55 miles per hour and is looking at his/her phone, that equates to traveling the length of a football field blindfolded.
Due to the rise of social media and smart phones, we are constantly connected, and it’s become hard to concentrate on tasks, like driving. Florida lawmakers took notice of this increase in distracted driving back in 2013, and passed the “Florida Ban on Texting While Driving” law. This ban made texting and driving a secondary offense in the State of Florida. Meaning, you can’t be pulled over and ticketed for distracted driving unless you are also breaking another law, like speeding or if you have caused an accident.
An aspect of texting and driving that most drivers don’t consider, though, is their insurance policies. How does texting and driving affect your car insurance? Depending on the state, the consequences drivers face can vary.
Most drivers don't even stop to think about how texting while driving might affect their insurance premium. But in many states, being ticketed for texting and driving can seriously impact your insurance policy. In Florida, texting while driving is typically enforced through tickets. If you receive too many citations, your insurance premium will likely increase. Not only will you face fines, but distracted driving citations can remain on your driving record for up to five years, which might affect your ability to get insurance at a reasonable price. If you are already considered a high-risk driver, your insurance premium could increase significantly.
To avoid putting yourself and others in a dangerous situation, remember to put your phone in a safe spot where you can’t see or hear it. This will help you stay focused and get to your destination safely. If you have questions about texting and driving, or car insurance in Orlando, contact me at Harrell Insurance. We are happy to be your go-to insurance agent in Central Florida!