We all know that texting while driving is dangerous and yet we continue to do it. Collisions are caused, our lives are put in danger and our vehicles are damaged as a result. On top of having to deal with the necessary repairs, your vehicle may also suffer from diminished value, a term used to describe the automatic loss in vehicle market value from an accident.
According to the Centers for Disease Control and Prevention, around 9 people are killed and more than 1,000 are injured every single day in the U.S., resulting from road crashes caused by a distracted driver. When we send a text, we are immediately distracted in three ways: visually, manually and cognitively. We take our eyes off the road, we take our hands off the wheel and we take our mind off driving, which is no doubt why in a survey taken in 2016, 81% of those surveyed believe that texting while driving is a top safety issue on the roads.
How much do you know about cell phone and driving laws?
While drivers have not been banned from carrying all cell phones in the U.S., certain restrictions and laws have been put in place. For example, drivers banned from using hand-held cell phones in 14 states including New Jersey, California and West Virginia. In Ohio, the decision to enforce the ban has been passed over to local authorities and so it’s important to make sure you know exactly what is and isn’t legal in your area. It’s also important to note that 38 states, including Wisconsin, have banned all novice and teen drivers from using any kind of cell phone while driving. In a further 21 states, including Rhode Island and Mississippi, school bus drivers are also banned from using any kind of cell phone while transporting children to and from school. In fact, having officially recognized the need for a heavy crackdown on the dangers of texting while driving, a total ban of text messaging has been enforced around 47 states. Ohio is one of those states.
How much do you know about Auto Body Repair Insurance in Ohio?
Let’s be clear about this. Every single time you send a text while driving you are putting yourself, those you are transporting, other drivers and your vehicle at risk. If you take risks when driving and you do cause an accident and through a stroke of luck nobody gets hurt, you will still probably have to pay out for auto repairs and make some kind of claim with your insurance company.
As such, here are a few hopeful tips so you know your auto repair insurance rights:
1. Under Ohio state law you do not have to acquire three estimates. One is enough.
2. You only need to notify the insurance company before carrying out repairs if you are the “insured”. Claimants are not required to do so.
3. The repair shop is responsible for all repairs, which is why it’s important to choose your repair facility with care.
4. If you have been in an accident, then you’ve lost money and you’re entitled to diminished value for up to two years.
While texting and driving laws in the U.S. are not as strict as other countries, the possible consequences are the same. If you see anyone texting while driving, or if you share a vehicle with someone who is engaging in this dangerous activity, it’s important to speak out. Remember, around 9 people are killed every day in the U.S. due to road safety negligence. No one has the right to be so reckless with your life.
Tags: Driving Safety