We all know the abbreviations of drunk driving (DUI) or (DD). The later abbreviation has now taken another definition: Distracted Driving. Another similarity of these two convictions is that they can cause loss of life, bodily injury, and property damage. Despite being aware of the dangers of Distracted Driving, many people choose to ignore the dangers and continue to drive distracted.

One thing that people may not be informed of is the significant impact Distracted Driving has on their insurance policy. Many insurance companies—in an effort to combat the increase of loss of life, bodily injury and property damage—have implemented rating tools such as a surcharge, change in driving record, or the elimination of Section C coverage. Section C coverage consists of grouping of all perils coverage, collision coverage, comprehensive coverage (including fire, theft) and/or specified perils. Some insurers are even eliminating Section C coverage from all vehicles in the household if one resident driver has a Distracted Driving conviction. The reason being is that the driver with the Distracted Driving conviction may have access to all vehicles in the household.

One may think the actions taken by these insurance companies are extreme. This may be the case, but one must realize the results of accidents caused from Distracted Driving can be extreme. Simply put, the best way to avoid increased premiums and loss of coverage is not to Drive Distracted. The benefits of not Driving Distracted greatly outweigh the negative implications.

I have personally discussed the severe negative implications of Distracted Driving with my own family and friends. The main reason is for safety; the second reason is financial.
I encourage all that read this blog is to share this information with their family and friends. The results may help to reduce the chance of loss of life, bodily injury, or property damage. Life is more precious than a phone call, text or changing a song.

For more information on distracted driving refer to the following link:

Thank you and please drive safe—undistracted.
David Wintoniak