Distracted driving is a growing concern on the roads today, posing significant dangers to drivers, passengers, and pedestrians alike. Whether texting, eating or adjusting the radio, distractions take your attention away from the road, increasing the risk of accidents. In North Carolina, distracted driving is a leading cause of car accidents, leading to about 50,000 crashes annually in the state. Understanding the dangers and consequences of distracted driving is crucial for all drivers.
The consequences of distracted driving
Distracted driving occurs when a driver’s attention wanders from the task of driving. It can happen in several ways:
- Visual distractions occur when you take your eyes off the road.
- Manual distractions happen when you take your hands off the wheel
- Cognitive distractions occur when your mind is not focused on driving. Each type of distraction can lead to devastating accidents.
In North Carolina, distracted driving numbers add up to more than speeding and drunk driving combined. Moreover, the consequences can be severe, leading to life-changing injuries, fatalities and significant property damage. Besides the physical dangers, there are also legal and financial implications, especially regarding insurance.
How distracted driving affects insurance premiums
Insurance companies calculate premiums based on the risk you pose as a driver. A history of accidents, especially those involving distracted driving, signals a higher risk, which leads to increased premiums.
After an accident, your insurance company may classify you as a high-risk driver. It can result in your premiums increasing by hundreds of dollars per year. The increase varies depending on the severity of the accident and your previous driving record. Additionally, a traffic violation for distracted driving will likely add points to your driving record, further increasing your insurance costs.
Navigating the insurance claims process
Dealing with the aftermath of a distracted driving accident can be complicated. Here are some steps to help you navigate the insurance claims process:
- Report the accident: Notify your insurance company as soon as possible. Provide them with all necessary details, including the time, location and any other relevant information.
- Gather evidence: Collect evidence from the accident scene. Take photos, gather witness statements and record any damages or injuries.
- Understand your policy: Review your insurance policy to understand what is covered. This will help you know what to expect during the claims process.
- Communicate clearly: Keep open communication with your insurance adjuster. Provide them with the information they need to process your claim efficiently.
- Dispute resolution: If there is a dispute over your claim, try to resolve it with your insurance company first. Consider seeking legal advice or assistance from the North Carolina Department of Insurance if necessary.
By staying informed and proactive, drivers can manage the insurance claims process more effectively, even in challenging situations.
Grounds for negligence
It is also important to note that distracted driving is considered negligence. This means that anyone injured in an accident will likely file a lawsuit against the driver and their insurance company. Depending on the severity of the injuries and property damage, the cost could be substantial.