The insurance company sees increased costs because they must now cover off everyone against accidental texting damages.
Do you mean that my insurance would have to take into consideration the possibility of someone hitting me while texting, and not being able to pay? That makes more sense than how I took it initially, that they will have to prepare for costs incurred by others besides the insured/texter.
The second is this: If your insurance is not going to pay for damages to yourself, your car, or anyone/anything else involved in an accident caused by texting, what is the difference between that and driving uninsured? I may have just proved to myself that a valid argument for enforcing a texting ban. If insurance companies held out that they would put all responsibility for all costs rooting from a texting-caused crash on the texter, that could easily be grounds for the same punishment as driving uninsured. Even if that is just the display put on by the insurance company, and they frequently end up paying (because of the insured texter) just as they would in any other crash.
This all seems cyclical...
Driver distraction was involved in 16 percent of all fatal crashes in 2008.
That leads me to believe that it is recorded after an accident, at least some of the time, if the crash was caused by a driver's inattention. So when you get in an accident, if your insurance company finds out that you caused an accident due to your inattention- whether it's texting, putting on lipstick, getting brain...- they cut your coverage. You just got in a very expensive accident. Of course you'd have to agree to that with your insurance company first, and I suspect that's a whole other story... Surely it cannot be that simple or such a plan would already be in place. What, in my college naÃveté, am I missing?
My sister opened a computer store in Hawaii. She sells C shells down by the seashore.