INDUSTRY INSIGHT
INSURANCE
SPONSORED CONTENT
Distracted Drivers are
Driving Up Your
Insurance Premiums
Someone else’s cell phone is
costing you a lot of money.
T
he introduction of smartphones has been a boon to personal
entertainment and interconnectivity, but it has a dark side out
on the road. The fact that these devices have become such
a major part of our lives has directly led to a spike in preventable
accidents caused by drivers who refuse to put down their phones
while they drive. The damages caused by distracted drivers ripple
out over insurance pools and make
everyone’s policy more expensive.
It should seem obvious to even a
novice driver that taking your eyes
off the road for long stretches is not
a great idea, but according to the National Highway Traffi c Safety
Administration (NHTSA), about 600,000 drivers are using their cell
phones at any given moment during daylight hours.
Consider this: If you were to take your phone out, unlock it, open a
messaging app and type out even a three-letter message, you’ve been
looking down at your phone for a minimum of two or three seconds.
Especially at higher speeds, that’s an eternity. Conditions change so
quickly on the road that even a fraction of a second for reaction can
mean the diff erence between a near-miss and a major collision.
Of course, distracted drivers aren’t just costing themselves money,
they’re making it more expensive for everyone. According to the
NHTSA, 3,477 people were killed and about 391,000 injured in 2015
just from distracted drivers. That makes up about 14% of total police-
reported traffi c accidents!
So, what can you do about it?
First, you can contribute to a culture of safe driving on the road.
Hands-free devices to which you can dictate text messages are much
better than looking down, but the best choice is to pull over or wait
until you’re safely parked to use your phone. Every moment that
you’re looking for an app is another opportunity for something to go
wrong.
Second, you can sit down with your agent to discuss any discounts
or policy changes that might off set some of the premium increases
brought about by distracted drivers. If there’s a way to mitigate some
of the costs associated with other people’s bad driving, your local
agent is the person most likely to know about it.
For instance, if you have a teenage driver on your policy, there may be
discounts available for completing a safe driving course. Unfortunately,
teenagers and young adults are almost always going to pay the most
for auto insurance, and for good reason. Teenagers are by far the most
likely age group to be involved in a distracted driving accident.
But, with an independent insurance agency like Rupp-Fiore
Insurance, you’re not stuck with just one insurance carrier’s rate
calculations and limited discounts. Having more than 40 insurance
carriers available to you, year after year, holds some huge benefi ts—
namely, competitive options.
If you have questions or want a free quote, you can always just drive
over to your friendly local Rupp-Fiore offi ce or call on the phone—just
don’t do both at the same time.
This Industry Insight was written by CANDICE FIORE SCHAFFER, a licensed
insurance agent able to sell all types of insurance products including personal,
business, life, and health. Her main focus is on business insurance and the personal
insurance for those business owners. Candice has been with Rupp-Fiore Insurance
since 1990. She earned her bachelor’s degree at the University of Pittsburgh and
a master’s degree in Risk Management/Insurance from Florida State University.
Through the National Alliance of Insurance Education, Candice has also earned the
Certifi ed Insurance Counselor (CIC) and Certifi ed Risk Manager (CRM) designations.
Cranberry | Winter 2017 | icmags.com 11