Distracted Teens Driving is Still a Problem Affecting You and Your Insurance

Georgia has joined several other states in implementing initiatives to crack down on distracted driving by becoming a “hands-free” state. However, that has not stopped many people from driving distracted. Our phones have become one of the biggest influences in our daily life. Whether you’re receiving notifications from social media apps, emails, text messages, or other apps, whenever we receive one it catches our attention.

The CDC reports that there are 3 different types of distracted driving:

  • Manual: a distraction that that causes you to
    remove your hands off of the steering wheel
  • Visual: a distraction that takes a driver’s eyes
    off the road.
  • Cognitive: a distraction that takes your mental
    attention from the road

Texting is the Most Dangerous Form of Distracted Driving

The AAA foundation recently did a study that concluded that cell phone interaction tripled drivers’ odds of involvement in an auto accident resulting in either driving off the road or running into a sign or tree. You’re also seven times more likely to rear-end a vehicle when driving distracted.

Car accidents are the leading cause of death among teenagers. As more and more teens that were born in the digital age get behind the wheel, there’s an increased risk of an accident. Teenagers are constantly on their cell phones and them being in the car doesn’t change that fact.  Additionally, if there’s more than one person in the car with them, this doubles their risk of an accident; and if there are more than 2 passengers, they are 5 times more likely to be involved in an accident.

Effect on Car Insurance

Your auto insurance premium rises once a teenager is put on your policy because of the liability that comes with insuring an inexperienced driver. Getting a ticket or some other traffic violation can add points to your driving record. The penalty in the state of Georgia results in a fine and demerit points depending on how many offenses. These demerit points can cause your car insurance rates to jump up 23% or more! If your teen gets caught texting and driving, or worse, causes a car accident due to texting and driving, just imagine the effect it will have on your insurance premium. Of course, this all depends on the type of auto insurance policy you have which is why it’s important to discuss these implications with your car insurance agent.

We hope that you and your family members are never involved in a car accident, but in the unfortunate situation that you are, having the right auto insurance policy can help get you back on the road soon. Let Founders Insurance Group help you design a car insurance policy that meets you and your family’s specific needs. We’re an insurance agency based in Woodstock, GA. Give us a call today to speak with one of our agents!