Distracted driving is leading to crashes that you might have to pay for.
It could cost you even if you don’t do it.
Distracted driving helped make last year one of the deadliest on the roads.
Forcing insurance companies to find new ways to keep up.
“I hate to look over and see somebody texting or whatever and not paying attention,” said driver, Scott Miller.
“I know a lot of people who do and a lot of people have gotten into accidents doing it,” said driver, Caley Wright.
Now, those crashes could cost everyone.
It comes in the form of more expensive car insurance.
A plan many companies are already looking into.
“Whether you had an accident or not, your rates could be higher just because of the number of accidents in the territory.”
Ron Murphy has run Mid-Illinois Auto Insurance for nearly 50 years.
He says distracted driving crashes continue to grow.
Making it more expensive for insurance companies to operate.
“It kind of depends on a particular companies experience as far what they’ve had. Losses as opposed to premiums, that’s how they adjust their rates,” Murphy said.
Since it’s hard for these companies to know exactly who drives distracted, they’re forced to raise rates for everybody.
“If accident rates are up a certain percentage, it’s going to reflect as far as what rates are for the territory,” Murphy said.
Some drivers aren’t happy.
Many of them say it’s unfair.
“I don’t want to pay out the wazoo for insurance for my truck if I’m not on my phone,” Wright said.
“It’s common sense, if I’m paying an additional premium for somebody else’s mistake, that’s not cool,” Miller said.
It is illegal in Illinois to talk or text on a cell phone while driving unless its hands free.
As of right now insurance companies have not raised premiums in Peoria because of crashes.