Distracted Driving is Deadly
Have you ever witnessed a vehicle slowly swerving to the left or right like they are making a lane change, correcting, and then repeating the horrible driving process repeatedly? Chances are, when you see this person, they are not drunk but rather texting and driving. The National Highway Traffic Administration claims a traffic accident happens every 60 seconds in the United States or over 5 million per year.
The increase in traffic accidents can be attributed mainly to distracted motorists while operating a vehicle. In the old days, people would change the radio or turn on the A.C. They were only distracted for a few seconds. Now people are texting behind the wheel, checking their Facebook accounts, and posting on Twitter. The United States has never witnessed this level of distracted driving, and new laws are not curbing the issue.
As the availability of cellphones reached saturation, the level of accidents has increased in recent years. According to a recent study conducted by the NHTA, the most significant percentage of road accidents in 2020 can be linked to texting while driving. Texting is so dangerous because it forces drivers to take their eyes off the road for an extended period. Those crazy texters on highways or freeways can lead to death or permanent injuries if an accident occurs.
Nearly every state now has passed laws against using cell phones while driving, but that has not even made a dent in the problem. There are just not enough police to patrol tens of millions of texters out there on the roadways. As long as there are cellphones and social media, people will be breaking the law and texting and tweeting while driving.
Auto Insurance Rates Have Increased in Recent Years Because of Distracted Driving Accidents
If you own a vehicle, you know how expensive insuring it can be. For people with comprehensive coverage, rates can be well over $200 a month. Many drivers have seen their car insurance rates go up 5% or more almost every year in recent years. This is highly frustrating for safe drivers who obey traffic laws and do not text or tweet behind the wheel.
The truth is it’s unfair for bad drivers that engage in distracted driving activities to cause the rates of all drivers to go up. Insurance carriers have no choice but to raise rates across the board for all drivers just to stay in business. Insurers pay billions in claims each year, resulting from distracted driving accidents. While some carriers like Allstate have accident forgiveness, which might provide some financial relief, most insurers pass on these rising claim costs directly to the consumer.
Distracted Driving is Dangerous and Costs More Lives than DUIs
For decades officials focused on the severe problem of intoxicated motorists but never imagined an even bigger threat loomed. Drunk drivers cause hundreds of deaths each year in the United States and thousands of serious injuries. Since smartphones hit the market, the number of vehicular fatalities has risen dramatically.
Distracted driving is deadly. Today, you have a more than 600% chance of getting killed by a distracted driver using their cellphone than a drunk driver. While the drunk motorist might be impaired, at least they focus on the road and not take their eyes off it.
Teenagers are the worst offenders of any group of drivers. Teens are 400% more likely to get into a distracted accident relating to cellphone use than adults. The distracted driver actually looks away from the driving environment. They focus on their cellphone, which results in a higher fatality rate and crashes involving major injuries. Teen cellphone addiction has sadly led to thousands of deaths each year.
Most teens know how dangerous texting while driving can be but continue to engage in this very dangerous activity. Many teens think a serious accident will never happen to them. They believe they are good enough drivers to text and driver at the same time.
Auto Insurance Rates have Risen Most for Drivers Under 20
Teens pay more for auto insurance coverage than any group of motorists, and one of the main reasons is distracted driving. With so many teenagers getting into accidents resulting from distracted cellphone usage, nearly all insurers have raised rates over the past several years.
If you have a teen and want to lower their auto insurance rates, you can do a few things:
- Put them on their parent’s policy. This alone will save them 15% or more.
- Have them take a certified defensive driving class. Completing this class can save teen drivers 10% or more.
- Teens that maintain a GPA of 3.0 or higher can save about 10%.
Most of all, parents need to talk to their children and demand that they never use a cellphone while driving.
If more people would obey the law and not use cell phones while driving, rates would go down for all drivers. Until this serious problem is solved, remember distracted driving is deadly. Unfortunately, until then, all drivers have to pay the high cost of distracted drivers.