Text-Banning Businesses Could Save on Auto Insurance

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With more and more cities and states outlawing texting while driving, some businesses in Cincinnati aren’t waiting for a government-enforced ban.

The Cincinnati Enquirer recently reported that, although the Cincinnati City Council is nearing a decision to implement a texting-while-driving ban, many businesses are already prohibiting their employees from texting or e-mailing while driving.

Despite desiring a higher frequency of communications as new products emerge, the Enquirer reports that local businesses are trying to put their employee’s safety first. And it might also help their safety records and, in turn, their auto insurance rate.

A combination of increased employee safety and lower auto insurance rates prompted a local 1-800-GOT-JUNK franchise (http://www.1800gotjunk.com/us_en/locations/junk-removal-cincinnati/) to prohibit their drivers from taking phone calls from the road years ago, reports the Enquirer.

“We’ve had that in place for the seven years we’ve been in business, and we’ve got an almost perfect safety record,” franchise owner Cliff Brahm told the paper. “I can’t put a figure on it, but it certainly has meant lower insurance rates for us. But more than that, it’s about keeping our workers safe and those out on the roads safe.”

Fewer distracted drivers on the road will save thousands of lives each year. The National Highway Traffic Safety Administration says that, in 2008, more than 6,000 people were involved in fatal auto accidents caused by distracted drivers.

Washington state, back in 2008, was the first state to enact a texting-while-driving ban, and many other have followed suit since.

According to the Insurance Institute for Highway Safety, as of July, 30 states and the District of Columbia had banned text messaging while driving, and some sort of restriction on using hand-held cell phones was in place in 14 states and the District of Columbia.

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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