Now that we have discussed some of the bad points of texting and driving, let’s go ahead and talk about some of the benefits of not doing it.  One of the main things that you will be doing if you do not text and drive is you will not be putting yourself at risk – which is very, very important.

Next, while you are not guaranteed not to get into an accident, you are not so much at risk, so your car insurance will not go up.  If you do happen to get into an accident if you were texting, your car insurance premiums can skyrocket, so that is something to keep in mind.

Texting and driving is just not worth it – there are too many risks and too many things can happen to you if you do, do it.

Although splitting your attention between driving and texting is something that is certain to cause an accident, there are some other risks that you need to be aware of whenever you are doing anything with your cell phone while you are driving.  One thing that you need to be aware of are the laws in your state.

Many states right now are passing laws that actually make it illegal to text or talk on your cell phone while driving.  This is something that you can even get pulled over for and can get ticketed for, so that is something that you do need to watch.

In the next blog, we will talk about what the benefits are from not talking or texting while you are driving.

As stated, car insurance companies are interested in this study and others like it. Their business is based on risks. As such, they are using studies like this one to see whether or not the results can be used to raise car insurance rates for drivers who are caught in a distracted state while they are driving.

What that means is that, someday quite soon, you may be in danger of extremely high rates if you are caught texting while you are driving. Every time another accident occurs because a driver is sending or receiving text messages, the risks of this become significantly higher.

There is, of course, an easy way to avoid this as an individual: do not text while you are driving. Just don’t. Nothing can be that urgent, and if it is, place a call and put the phone on speaker or use a headset instead. It must be said, however, that you will be safer still if you leave your phone alone until the car is safely in park somewhere.

Just recently, VTTI — the Virginia Tech Transportation Institute — put together a study devoted to text messaging … and car insurance companies happen to be very interested in that study, in terms of how texting while driving will ultimately affect the car insurance industry.

Those who text while driving are twenty three times more likely to have a collision than drivers who are not texting.

A number of other studies combined with this one show that out of one hundred percent of all traffic accidents, seventy one percent of them involve drivers who are basically not driving because they are distracted by something else.

Now, we all know that the safer you are, the more your car insurance company approves. They want you to be safe. You pose less of a risk this way. Given the findings in the study by VTTI, what do you think the implications are going to be on car insurance rates?

There is really no doubt about the fact that texting has become the end all, be all in communication. Where once we were all tied to our computers so we wouldn’t miss a single chain letter email or funny video, these days we are not comfortable unless we have our cell phones are strapped to our hands.

But consider this: it was just a few years ago that cell phones got to be such a problem for people driving and talking that many areas instituted laws that demanded you not talk on the phone unless it was hands free.

It makes one wonder how people think it is safe to text and drive. Of course it isn’t safe. More and more accidents are occurring because the drivers are too busy sending texts to pay attention to the road.

In addition to being outright lethal, this little technological phenomenon could start costing you very dear — thanks to your car insurance rates.