Texting Behind the Wheel Linked to Rising Car Insurance Rates

If you've seen a sharp rise in your car insurance premiums in recent years, you're not alone. Nationwide, the average cost of car insurance rose from $814.63 in 2012 to $841.23 in 2013—a 3.3 percent uptick, according to a report released by the National Association of Insurance Commissioners in January 2016. Costs have continued to skyrocket and, from 2011 to 2017, the average insurance premium went up 16 percent.  The link between texting and insurance rates

Car insurance premiums are rising at the fastest rate in more than a decade and, according to insurance and national safety experts, cell phone-related distracted driving accidents are to blame. Texting or talking on a smartphone while behind the wheel is becoming more and more common, and increases in both accidents and insurance rates are the result. More than 40,000 people were killed in traffic accidents in 2016 alone, many of them in collisions caused by drivers who were distracted by their cell phones at the time of the crash.

Approximately 36 percent of drivers are guilty of texting while driving, according to State Farm Insurance, but the rate hikes are likely to make everyone's insurance costs go up. Proving that distraction caused an accident can be challenging, and drivers who weren't paying attention to the road when they crashed are unlikely to speak up and implicate themselves as the at-fault party. As a result, the cost for distracted driving accidents are being imposed on the entire insurance market.

Were You Injured in an Accident?

Texting is one of the most dangerous distracted driving behaviors, as it causes drivers to take at least one hand off the wheel and their eyes and concentration off the road. In the time it takes to read or send a text, a driver will have traveled the length of a football field without looking where he’s going.

If you were injured in a wreck caused by a driver who was texting or talking on a cell phone, Holton Law Firm's experienced personal injury attorneys can help you fight for the compensation you need to get your life back on track after an accident. Contact our Memphis law office to schedule an appointment for a free, no-obligation initial consultation.


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