In Louisiana, Distracted Driving Is Also Bad for Your Wallet
We all know that distracted driving is a major cause of accidents. That’s why 47 states have laws on the books against texting while driving—all but Arizona, Missouri, and Montana have outlawed it. But what you may not know, or at least what you may not think about, is that texting while driving steadily forces insurance rates higher and higher.
Texting while driving means more accidents, and more accidents means higher insurance rates. Because Louisiana already has some of the highest insurance rates in the country, the effects of that process are even more severe.
If you or a loved one has been injured in an accident, the first thing you need to do is seek medical care for the injured persons. After that, contact a trusted attorney. Set up a free consultation with the Chris J. Roy law firm today. We’ll be happy to hear from you.
Insurance Rates in Louisiana
Louisiana drivers already pay some of the highest insurance rates in the country. Part of the reason for this is that 40 percent of drivers in Louisiana have the minimum possible insurance policy, while 13 percent don’t have insurance at all. When these drivers are injured in an accident, they are more likely than others to sue—forcing the insurance companies to pay out more often.
As the insurance companies are forced to pay out, they have to raise their rates to remain profitable. And as they raise their rates to remain profitable, more drivers choose minimum coverage or drop their insurance altogether. This way the cycle starts over again, and insurance costs are driven ever higher. Distracted driving is one of the major causes of this cycle.
Why Distracted Driving Forces Rates Up
Distracted driving kills an average of 9 people per day in the United States. These aren’t necessarily all cases of texting while driving, but cell phone use is a major contributor to the distracted driving problem. Distracted driving is a major factor in many accidents, contributing to the cycle in which uninsured and underinsured drivers are gradually driving insurance rates higher.
One piece of good news is that Louisiana now has a “No Pay, No Play” law. This law prevents uninsured drivers from receiving certain rights—one of them being the right to recover damages if injured by an insured driver. This should at least partially prevent uninsured drivers from benefitting at the cost of the insured. However, the distracted driving problem still remains.
Chris J. Roy, Jr. APLC has been serving the people of Louisiana from its Alexandria office since 1989. We handle a variety of cases and look forward to addressing your legal needs. For almost three decades, our firm has been defending and filing claims for individuals hurt in accidents, and we have the knowledge, experience and resources to help you. If you have questions or would like to set up a consultation, call us today or contact us online.