Cell Phones and Car Insurance Companies

Having a cell phone maybe one of the hottest electronic devise today. Almost everybody has it. But sometimes other people abuse the use of it that even during driving on the busy road, you see people using their cell phones.

These days, there are lots of discussions going on regarding imposing a ban on the use of cell phones while driving. Car insurance companies might be among the group of people who are happy about this if it becomes a law. However, some sectors especially professional drivers are clamorous about this. Their reason of using a cell phone on while on the wheels is to get instruction from their office for their next trip assignment. Despite the reason cited by these drivers, they cannot be valid. We cannot sacrifice life and limb and property simply because we want to use cell phones while driving.

Statistics present the startling evidence that drivers conversing on a cell phone while maneuvering their car are four times likely to have an accident compared to drivers who do not. Further studies and researches have supported this statistic through the use of simulators. This finding is the reason why car insurance companies jack up the premiums of drivers with histories of vehicular accidents regardless of age.

Some states have considered the usage of cell phone while on the wheels a serious issue and consider it as illegal. If a driver is caught by policeman in the act, a commensurate fine and punishment is given. Apart from that, the incident will be written in the driver's report which may lower his points which in turn affects the premium of the involved violator.

The attention level of people using cell phones while driving is affected. Research indicates that while drivers pay attention to each side of the vehicle for possible danger, cell phone users glare ahead. They divert their attention to the conversation going on instead of concentrating on the road and its risks. Fortunately, this does not happen to drivers talking to a passenger as they keep their eyes on the road with two hands on the driving wheel. Using cell phone poses a greater threat to anybody on the road.

Some sectors of the society advice these cell phone users while driving to use their cell phone responsibly. This is to know when, where and what situation they have to pull their cell phone to their ears. If this will not stop, insurance providers will look at this as something which may put their business turning while milking you with more premiums to pay.

Since accidents may greatly affect the driver's premium rates. This practice of using cell phones while driving should be censored not only to selected states but in every state. This is to lessen road accidents and to have a clean driving report. This may also make car insurance providers not to decide to consider this as one of the risk factors and charge a higher premium rate. Importantly, less accidents will make the world a better and safer place to live in.