Distracted driving is one of the leading causes of accidents in Newfoundland and Nova Scotia, and texting while driving is a major contributor. Despite strict laws prohibiting the use of handheld devices, distracted driving remains a serious issue, putting drivers, passengers, and pedestrians at significant risk.

What Is Distracted Driving?

Distracted driving refers to any activity that diverts attention from driving, whether it’s texting, talking on the phone, adjusting the radio, or interacting with in-car entertainment systems. Texting, in particular, is one of the most dangerous forms of distracted driving, as it requires the driver to take their hands off the wheel, eyes off the road, and focus off the task at hand. Studies show that texting drivers are 23 times more likely to be involved in a crash. Additionally, distracted driving is as dangerous as impaired driving, with studies revealing that it significantly reduces reaction times. A driver who is texting can experience up to a 35% delay in reaction time compared to undistracted drivers. In fact, distracted driving is now the leading cause of fatal accidents in Canada, accounting for 1 in 4 fatalities on Canadian roads.

The Risks of Texting and Driving

Texting while driving takes a driver’s attention away from the road, significantly increasing the likelihood of accidents. Even a few seconds spent replying to a text can lead to serious consequences. A driver who takes just 5 seconds to respond to a text could cover the length of a football field at 90 km/h without looking at the road. This small amount of time can make the difference between a safe drive and a tragic accident, putting not only the driver but also other road users in danger.

Legal Consequences for Texting While Driving

In both Newfoundland and Nova Scotia, texting while driving is illegal and carries serious consequences. Drivers caught texting behind the wheel face steep fines, demerit points, and potential license suspensions. Moreover, a distracted driving conviction can lead to significantly higher insurance premiums, as insurers consider this behavior high-risk.

How Texting Affects Your Insurance

Texting while driving doesn’t just affect your safety; it can also have long-lasting financial consequences:

• Higher Insurance Premiums: A conviction for texting while driving can cause a 15%-25% increase in your auto insurance rates in both Newfoundland and Nova Scotia.
• Potential Claim Denial: If you’re involved in an accident while texting, your insurance provider may deny your claim, leaving you financially responsible for damages.
• Policy Cancellation: Repeat offenders may face higher premiums or even have their policies canceled by some insurers, forcing them to seek coverage with higher-risk providers.

Stay Safe and Avoid Distractions

To stay safe and protect your insurance premiums, avoid texting and driving. Here are some tips to help you stay focused on the road:

• Put your phone away: Store your phone out of reach to minimize distractions.
• Use hands-free technology: If you must make a call, use a Bluetooth or hands-free system.
• Plan ahead: Set your GPS, adjust your mirrors, and choose your music before starting your drive.
• Pull over: If you need to send a message or make a call, pull over to a safe spot.
• Munn Insurance: Protecting You on the Road

At Munn Insurance, we are dedicated to keeping you safe on the road and ensuring you’re properly covered in the event of an accident. If you have any questions about how texting while driving can impact your insurance or need help finding the best coverage, reach out to us today. Serving Newfoundland and Nova Scotia, we provide expert advice and tailored solutions for all your insurance needs.

Remember: It can wait. Prioritize safety over convenience and help make our roads safer for everyone.

For more information or to speak with one of our experts, call Munn Insurance at 1-855-726-8627.