Distracted Driving

When You’re Distracted, Who’s Driving?

“Riding along in my automobile, my baby beside me at the wheel, my curiosity runnin' wild, cruisin', and playin' the radio, with no particular place to go” – as the song goes by the late Chuck Berry…

Now more than ever, distracted driving is an ever-increasing cause of accidents.  Everyone has a cellphone and an obsession with being connected to social media or the latest news story at all times. There is hardly a time on the road that you don’t see another driver occupied by something other than driving. Whether it be their phone, eating, applying makeup, or shaving. Yes, I said shaving. I’ve seen them all.

distracted driving

Florida has seen a 33% increase in accidents caused by distracted driving since 2013, with a total of 52,129 in 2018. The current law regarding cellphone use and texting while driving, that was passed in 2013, only allows citations to be issued as a secondary offense. This means that the driver would have to be stopped for another violation, then subsequently cited for cellphone use.

Earlier this month, the Florida House passed House Bill 107 that would make texting and driving a primary offense, along with creating hands-free zones around schools and construction areas where workers are on site. As the bill is currently written, officers would be able to stop drivers and issue citations for texting without the citation being accompanied by another offense first. Starting July 1st, 2019, officers would be able to stop drivers texting and driving as a primary offense and issue verbal or written warnings. The hands-free school and work zones portion of the law is slated to take effect October 1st, 2019. Citations are scheduled to be issued starting January 1st, 2020.

The question as it relates to insurance is how will this new law affect your premiums? Ideally, it will reduce the number of drivers distracted with texting, which in turn will reduce the number of accidents and claims, ultimately leading to lower auto insurance premiums. 

At the end of the day, it’s simple. Just drive. There’s too much at stake not to.


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Raymond Killian is a Personal Lines Account Manager at Bouchard Insurance. Raymond is experienced in all lines of personal insurance.