Cell Phones and Traffic Tickets

March 29, 2009

According to the Insurance Information Institute (III), more than 260 million Americans own cell phones. And as you’ve probably noticed out on the roadways, a number of drivers have a habit of using their phones while behind the wheel.

The use of cell phones while driving has become a ticketable offense in a number of states. With more and more states passing new cell phone legislation every month, it’s imperative that you understand the law to avoid being ticketed and keep your auto insurance rate low.

New Laws: Talking/Texting Behind the Wheel
According to the Governors Highway Safety Association (GHSA), several states have already banned drivers from talking on cell phones while driving, and other states have taken measures to prohibit text messaging while driving. Some states restrict both talking and texting. But there’s more: as of 2008, drivers in California and Washington must use hands-free devices while driving or they run the risk of being ticketed. Also, drivers in Minnesota and Alaska can now receive a ticket for text messaging while driving.

Distracted Driving = Hazardous Driving
While dialing a telephone number, a driver’s eyes are focused on the keypad. When text messaging, one’s eyes are diverted for even longer periods of time. These distractions are just a few of the factors which have helped make cell phone usage the leading cause of driver distraction. In fact, studies have shown that talking on a cell phone while driving is just as hazardous as driving under the influence of alcohol (III).

Drivers who divide their attention between driving and cell phones have been shown to be far and away the most likely group to be involved in automobile accidents. As accidents lead to higher auto insurance rates, it pays to keep both eyes on the road at all times.

New Restrictions on Young Drivers
For young drivers, restrictions against cell phone usage while driving are even more stringent. Over a dozen states have enacted special laws forbidding newly licensed drivers from using cell phones—with or without a hands-free device—while driving (GHSA). Some states limit legislation to those with learner’s permits while others have restrictions based on age—sometimes restricting drivers until the age of 21. As auto insurance for newly licensed drivers is generally expensive, following the rules at a young age is a smart way to keep auto insurance premiums low.

Cell Phone Infractions Result in Increased Auto Insurance Rates
If you’re ticketed for cell phone use while driving, your auto insurance rate will probably increase. If you’re tagged for another violation along with it, like speeding, your insurance rates could rise even higher. Too many tickets on your driving record will increase your auto insurance rates and may result in your auto insurance company non-renewing your policy.

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