distracted drivers insurance

Protecting Yourself from Distracted Drivers with Insurance Coverage

According to the Texas Department of Transportation, since November 7, 2000, at least one person has died on state roadways each day. Since that time, the number of drivers suffering injury in accidents due to distractions has increased so much that in 2015 alone, 482 people were killed in this manner. This means that at least one person was killed every 18 hours due to a distracted driver (either themselves or another driver). With this amount of people killed due to something that is so avoidable, it makes the need for an insurance policy higher than ever.

Contact our McAllen insurance office today to discuss what Shepard Walton King can do to get you the right insurance policy.

What is Distracted Driving?

According to the National Highway Traffic and Safety Institute, distracted driving is any activity that diverts a person’s attention from the road. All distractions can endanger drivers, passengers and bystanders and can include:

  • Texting
  • Speaking on a phone
  • Eating
  • Drinking
  • Watching a video
  • Adjusting a radio, CD player or MP3 player

Texas Road Laws

Due to the rising number of accidents due to distracted driving, Texas has made it illegal to use handheld phones and texting in a number of areas, including school zones. Texas has also banned phone use and texting from new drivers who’ve been on the road for less than one year. A number of Texas cities have taken that a step further and either prohibit texting while driving or ban manual use of wireless communication devices while driving. Cities in the Rio Grande Valley that have these types of bans include McAllen, Mission, Edinburg, Harlingen, Pharr, Brownsville and San Juan, with fines ranging between $200 to $500.

Who Will Pay?

Distracted driving can cause injuries, accidents and even fatalities, but what about the drivers paying attention to the road? What about their safety? If something were to happen to them, who would pay for the damages to their vehicle and the medical bills for being injured? This is where having an insurance policy comes into play. Medical care can easily reach thousands of dollars, and an extended stay for medical care could even affect one’s ability to return to work. Plus, in Texas, not having insurance can cost a driver up to $350 for just a first citation.

Getting Around Without a Ride

Possibly the most irritating part of being in an accident is not having a car or truck to get around. The freedoms you enjoyed are no longer there, and now you’re just stuck with paying for a rental car yourself or getting rides from loved ones or friends. Getting a bus schedule is an option, but buses do not run 24 hours a day in McAllen. With an insurance plan, getting a rental car while your vehicle is repaired is a common practice.

Shepard Walton King is Here for You

Whether it’s getting into an accident with a distracted driver or having a fender-bender from texting and driving, the need for insurance is always there. Being able to drive with peace of mind thanks to an insurance policy is something everyone should have. Contact either our McAllen or Harlingen insurance offices today and let us find a plan that covers you for all situations on the road.

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