What are "distracted driving laws" related to automobile insurance?

Distracted driving laws are designed to enhance road safety by penalizing drivers who use electronic devices and engage in other distracting behaviors while operating a vehicle. These laws recognize that distractions can significantly impair a driver’s ability to focus on the road, leading to an increased risk of accidents.

By imposing penalties on those who violate these laws, authorities aim to deter such behavior, ultimately reducing the frequency and severity of collisions caused by distracted driving. When these laws are enforced, they can lead to higher premiums for insurance because insurance companies often consider a driver’s history of infractions, including those related to distraction, when determining rates. This connection emphasizes the importance of adhering to distracted driving laws not only for safety but also for maintaining favorable insurance terms.