Car insurance costs skyrocket in United States due to phone use while driving

Car insurance costs skyrocket in United States due to phone use while driving


According to a study conducted by an American insurance comparator, relayed by the specialized site The Drive, the penalty applied by insurance companies in the United States in the event of cell phone use while driving has literally exploded in less than 10 years. (+ 10,000%). This significant increase has an impact on the amount of insurance premiums, which has experienced a similar trend.
Car insurance costs skyrocket in United States due to phone use while driving
A risky behavior that costs a lot

Among the main sources of distracted driving, the smartphone is the cause of many traffic accidents, prompting insurers to penalize drivers who are too focused on their phones.
Thus, motorists caught in the act of dangerous behavior are given a penalty, unlike attentive drivers who get a bonus.
Since 2011, the additional cost inflicted in the event of an accident has been revised upwards by 10,000%, from less than $ 3 to $ 290.
For 2018, the average amount of the additional premium paid by a motorist in the United States (bonus and penalty included) was around 120 dollars.
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The majority of drivers are aware of the risks and the importance of the financial cost. For example, according to a study by Axa Prévention,
"Two thirds of French people surveyed consider the use of the telephone while driving as the most frequent dangerous behavior".
All relevant driver profiles

Contrary to what one might think,
"Young offenders are not the only ones concerned by this bad driving behavior"
According to the specialist site The Verge.
This finding is supported by the results of the poll conducted by Volvo last year which showed that nearly three quarters of Generation X (people born between 1965 and 1980) used their cellphones while driving, including their parents.
Insurers warn bad motorists

American insurance companies are sounding the alarm: drivers who hold their phones are at risk of repercussions on their auto insurance.
In the event of a major accident, the offender will be penalized by an increase in the excess rate of his contract and the reduction-increase coefficient (CRM) following the application of the penalty.