Auto Insurance And New Cell Phone Laws

The insurance companies are increasingly associating car accidents with cell phone usage. Driving distractions are the main cause of accidents and it is very important to avert these accidents. The more you have traffic tickets to your credit; chances are that the auto insurance carrier will not agree to give you favorable insurance rates. The Cell Phone Laws introduced in 2009 states that talking over the cell phone while driving is a ticket able offense in several states. If you abide by the cell phone laws, you can save a lot of money in auto insurance.

Higher traffic tickets means higher insurance rates The cell phone laws differ from one state to another. In Washington D.C. and few other states, you are not allowed to use hand-held cell phones when you are driving. If you receive a traffic ticket because of cell phone usage while driving, you have to shell out more for insurance rates. The states that have banned the use of hand-held cell phones include:

1. California
2. Connecticut
3. New Jersey
4. New York
5. Washington D.C.Special laws have been enacted in many states that prohibit the use of cell phones for young drivers who have acquired new license. The law also applies for drivers with learner’s license. Some of the states that prohibit the use of cell phones while driving for novice and young drivers include:

1. California
2. Connecticut
3. Delaware
4. Illinois
5. Maine
6. Maryland
7. Minnesota
8. Nebraska
9. New Jersey
10. Oregon
11. North Carolina
12. Tennessee
13. Texas
14. Rhode Island
15. Virginia
16. West Virginia
17. Washington

D.C.California has banned text messaging with effect from January 2009 while driving. If you have too many traffic tickets to your credit, you pay a higher insurance rate undoubtedly but if there are associated violations recorded in your driving records, the auto insurance carrier may refuse to renew your auto insurance policy. Not only that, in case you happen to meet with an accident while driving and you had been using the cell phone, you can be sued for the same.