Some Reasons Why Cell Phones are Hazardous to Your Insurance Rates
Posted by Admin | Posted in Auto Insurance
Chances are, you would not believe it if someone told you lethal consequences could result from talking on the phone. Unfortunately, when you pair cell phone use with driving, it is just as bad as being intoxicated. Among other things, studies show your reflexes and attention span are as bad, if not worse as those exhibited by a drunk driver. Therefore, if you are involved in collision while using your cell phone, your currently cheap car insurance rates could vanish.
Aside from this, if it is determined that your cell phone activities were the cause of the collision, your insurance carrier may not pay the bills associated with the collision. A great deal will depend on the laws in your area, and if there are no-fault driver law in effect. If you wind up needing another car, it may also be difficult to secure car loans with a reasonable interest rate.
When it comes right down to it, cell phone usage is no safer in used cars than it is in new ones. While some cars may have advanced safety features, once the collision and damage happen, there is no going back. Even if your car is a used Audi in mint condition, all of the things you have managed to accomplish can be taken from you in an instant.
The bottom line is simple. If you are driving, turn the cell phone off so that you are not distracted by its ringing. In addition, if you feel an absolute compulsion to call someone while you are driving, find a safe place to park your car, and have your conversation in that location. These tips may save your life, and that of one or more total strangers.
