Effects of texting bans on insurance rates unknown

Half of the states in the U.S. have texting while driving bans.Half of the country’s states have now passed texting while driving bans, with Wisconsin becoming the 25th to do so.

Wisconsin Governor Jim Doyle signed the texting ban into law last week, and it will take effect December 1. Drivers who violate the ban for the first time will earn four points on their driving records, as well as face fines between $20 and $400. Second-time offenders may have to pay a fine of as much as $800.

Secretary Ray LaHood said that "distracted driving is an epidemic that kills thousands and injures hundreds of thousands more each year. So, we’re thrilled to reach the halfway mark toward laws in every state against this dangerous practice."

People are still unsure of how the growth of these laws will affect auto insurance coverage rates. Texting is one of the leading causes of distracted driving accidents. Not text messaging can considerably lower the risk of a driver becoming involved in a car crash. The fewer accidents a person is involved in, the lower their car insurance premiums will be.

There are currently six states with laws that won’t allow texting bans, the U.S. Department of Transportation said.ADNFCR-3298-ID-19776975-ADNFCR

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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