Texting, Driving, and Causing Accidents is Still Insured
Cell phones have made it easier for people to stay connected and to access data while on the go. However, cell phones can cause car accidents, whether the driver is using them to talk or to text. And while many states, including Illinois, have passed bans on the use of cell phones while driving, doing so has not been able to halt the use of cell phones while driving.
Consequently, the National Transportation Safety Board (NTSB) is looking for other strategies to halt the use of cell phones while driving. Last week it suggested that insurance companies could help limit this widespread problem if they simply refused to pay out for accident claims caused by drivers texting or talking on their cell phones.
And while the NTSB's idea makes sense and even seems like it could work, insurance companies are not jumping on board. To explain their reluctance to adopt the NTSB's suggestions, insurance companies explained that one of the main reasons to have insurance is that insurance companies will cover the cost of injuries even if the auto accident is caused by careless or even reckless behavior. And as an insurance specialist and spokesperson for the Consumer Federation of America said, “An accident is an accident.”
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