Cell Phones and Distracted Driving


Cell phones have become ingrained in our culture in an amazingly short time. As a nation, we’ve become accustomed to being available to make or take calls 24/7, no matter where we are. Although the convenience of a cell phone cannot be understated, it’s time to step back a little and be more careful with our phones. 99% of the time, there really isn’t any reason to use your phone while you’re driving. If the call is that important, pull over, stop and take it then.
Studies show that using a cell phone while driving is just about as dangerous as drinking and driving, as shown graphically in this video from 20/20. Yet states have been slow to ban their use outright, with only nine states currently banning the use of hand held phones while driving and 35 more banning texting while driving. That may be changing, as the National Transportation Safety Board has recently released a FAQ sheet on the dangers of distracted driving (PDF) and is calling for a national ban. The idea of a nationwide ban is gaining traction, due partly to a study recently released by California, where traffic deaths have declined by 22% in the two years since hand held cell phone use while driving was banned.
If the ban is passed in all fifty states, how will it affect car insurance rates? Since policies vary so much from state to state, it’s difficult to say. Currently, in New York, being ticketed for cell phone use results in three violation points on your driving record, and a fine up to $100, along with other mandatory fees and surcharges up to $85. The penalties are the same for texting or e-mail use while driving, except the maximum base fine goes up to $150.
Here’s a chart of current State Cell Phone Use & Texting While Driving Laws.

Leave a Reply