Would $1,540 stop you from texting?
Connecticut is the latest state to report texting and cellphone violations to insurance companies -- and that could mean higher rates for phone scofflaws.
Hey, Connecticut, maybe this will get your attention.
Traffic stops, fines and senseless accidents weren’t enough. Now state lawmakers want to tell your insurance company about texting tickets and cellphone violations.
“When someone gets hit in the pocketbook, that's when you remember it," Rep. Antonio "Tony" Guerrera, co-chairman of the General Assembly's Transportation Committee, told The Associated Press.
Like most states, Connecticut largely gives a pass to drivers caught violating the state’s ban on handheld cellphone use and on texting. Drivers pay a fine of up to $300 and go on their merry (distracted) way.
The proposal before Connecticut lawmakers would make these moving violations, raise the maximum fine to $400 and make the offense reportable to the state department of motor vehicles, where it becomes part of a driver’s motor vehicle record and shared with insurers -- who use it to decide how much to charge you.
Every insurer treats tickets differently -- ask to see your “surcharge schedule” -- but here’s an example of the extra costs a serial texter might face.
John is 24 and lives in Canaan, where he drives a 2005 Honda Accord with 50/100/50 liability coverage only. With no tickets, he’d pay about $864 a year if he shopped around and bought the cheapest policy he found. With two moving violations (we chose two speeding tickets) he would pay $1,072.
And he’d pay that extra $208 every year that his insurance company rates on those incidents, usually three years but sometimes as long as five.
The surcharges affect comprehensive and collision coverage, too. John’s rates with full coverage and no tickets were $1,468 a year. With two moving violations, he would pay $1,848.
That’s $380 a year extra for at least three years, on top of the $400 fine.
Is $1,540 a big enough wake-up call?
Twelve other states, plus Washington, D.C., assign points for texting violations. Most insurance companies do not raise rates for a single minor traffic infraction, but a speeding ticket and a texting conviction during the same rating period could be very costly, especially to younger drivers who already pay far more than others for coverage.
More from CarInsurance.com:
- Can traffic school get you a discount?
- Will higher deductibles save you money?
- How much car insurance should you buy?
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Texting is just as dangerous as DUI. I see this behavior EVERY day at highway speeds.
"Smart" phones make people stupid.
... great law. Problem is people also get in accidents just checking a text message. Phones that automatically turn texting off in a moving vehicle would be good. Too much for you? How about if it just turns the notifications off. Food for thought.
EXCELLENT NEWS. Sorry to all Texters behind the wheel but you do put many others at risk of danger and a crash when you text behind the wheel. I wish Colorado would the same as well as take down more texters behind the wheel!
CO Police fail the public when they allow texters kust drive on by!
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