Driving While Using Your Cell Phone
One of the major topics when discussing auto insurance and driving distractions is cell phone use and texting. It is amazing to me that there is not as much empirical

data as I expected when researching this subject. There is no question in my mind that cell phone use and texting is distracting while driving and causes

accidents. It seems that the data varies from state to state which is one of the reasons there is such a discrepancy in cell phone laws among the states. Some

states have found that cell phone use while driving increases the probability of a crash by as much as four fold and other states as low as 1.2 fold.

It is clear that texting while driving is extremely dangerous and some studies indicate that texting is more dangerous and causes more accidents than drinking and

driving.That is an amazing statistic.

Almost 75% of drivers use cell phones while driving and I would not be surprised if it is higher than that. It is the view of this writer that all states should

adopt stringent cell phone laws banning them while driving both for texting and speaking directly on the phone. I am not sure if hands free should be permitted but it

may be an effective compromise.

Some states have made driving while using a cell phone illegal and ticket the offender which will result in points added to his or her license. The insurance industry is pleased with this development as they will be entitled to charge higher premiums for those who violate cell phone laws.

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