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How Distracted Driving Can Increase Your Premium

By August 31, 2021Insurance

Most drivers are aware of the dangers of driving while distracted. However, something that many drivers do not realize is that in addition to the legal ramifications, these distractions can affect the premiums you pay for your auto insurance.

While any number of things can distract a driver from the road — including eating, adjusting the sound system, or talking to people in your vehicle — the distraction that often has the biggest and most dangerous impact is using a cell phone or other mobile device while driving. That is why it is great to look into cars equipped with hands free devices while driving– such as Bluetooth.

According to National Highway Traffic Safety Administration (NHTSA) data, driving while distracted killed 3,450 people in 2016. The vast majority of those accidents occurred because the driver was using a cell phone.

While concern about accidents should be enough to deter drivers from engaging in this risky behavior, state legislatures are also adding financial penalties to distracted driving.

Here’s what you need to know about the financial and legal penalties for driving while distracted.

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