We know the open road beckons, and sometimes that text notification can feel urgent. But let’s face it, a split-second glance at your phone can have life-altering consequences. At Basin Pacific Insurance, we care about your well-being and your coverage. Let’s talk about the dangers of texting and driving, how it can impact your insurance coverage, and tips to keep you safer on the road.
TWD: As Serious as a DUI?
Many people might not realize that Texting While Driving is becoming just as severe as driving under the influence (DUI) in the eyes of insurance companies. Studies show that TWD can be just as distracting as being intoxicated, significantly increasing the risk of accidents. This has led many carriers to consider TWD a major violation, raising your rates and in some cases dropping your coverage entirely.
Studies have found texting while driving increases your risk of crashing by four times or more. Texting combines visual, manual, and cognitive distractions, significantly impairing your ability to drive safely. [Source: Towards Zero]
The High Cost of a Text
Even if you avoid getting dropped by your insurer, a TWD conviction is guaranteed to drive up your insurance rates. Insurance companies base your rates on risk, and TWD demonstrates a clear disregard for safety. Be prepared for a significant increase in your premium, potentially for several years after the offense.
So, what can you do to avoid a TWD nightmare? Here are some tips to keep your eyes on the road and your insurance rates low:
Silence Your Phone
Put your phone on silent or do not disturb mode before you get behind the wheel. Out of sight, out of mind.
Utilize Hands-Free Options
If you need to make a call, use a hands-free option like Bluetooth or your car’s built-in system.
Pull Over
If you absolutely must send a text, pull over to a safe location first. It’s a few extra minutes compared to the risk of an accident.
Let Others Know
Inform your passengers that you won’t be using your phone while driving. They can even help you respond to urgent messages if needed.
Use Apps That Block Texting
There are apps available that will block your ability to send or receive texts while driving.
A study by the National Association of Insurance Commissioners found that drivers with a texting while driving violation on their record can see their insurance rates increase by an average of 41%.
Remove Temptation
Place your phone out of your sight and easy reach. By placing your phone in your glove box or center consol, you remove it from your sight line, and then you may not be compelled to pick it up.
GPS Phone Apps
These apps go beyond navigation, monitoring your phone use while driving and potentially offering discounts to those with clean records. While some might find constant tracking unnerving, there’s a potential silver lining: significant savings on car insurance.
By making a conscious effort to avoid TWD, you’re protecting yourself and your loved ones. At Basin Pacific Insurance, we’re here to help you stay safe on the road and ensure you have the right coverage in place. Contact us today to discuss your auto insurance needs.
For more information on how we can help you, contact [email protected] and we’ll have a member of our team get in touch with you shortly.
