How Do Distracted Driving Tickets Affect Car Insurance?

Imagine this: You’re driving along a familiar road, and your phone buzzes. Without thinking, you glance down to read a text. Before you know it, flashing lights appear in your rearview mirror. You’ve been pulled over and issued a ticket for distracted driving. As you process the situation, a question lingers in your mind: What happens next?

In this blog, we’ll delve into the topic of distracted driving in Canada, the impact it has on your insurance, and how you can stay safe behind the wheel. Keep reading to learn more!

What is Distracted Driving?

The legal definition of distracted driving differs by province, but generally speaking, this occurs when a driver’s attention is diverted and focused on something other than the road. This dangerous behaviour is one of the leading causes of collisions in Canada and poses a significant risk to drivers, passengers, other motorists, and pedestrians. Here are some common examples of distracted driving:

• Texting or talking on the phone
• Adjusting the radio or navigation system
• Eating or drinking 
• Reaching for items in the vehicle
• Grooming activities, like applying makeup

The dangers of distracted driving are profound. When your attention isn’t on the road, the likelihood of collisions increases, leading to potential harm to people, vehicles, animals, and property. In many provinces, distracted driving is considered a serious traffic violation, and for good reason.

What Happens if I Get a Ticket for Distracted Driving?

The penalties for receiving a distracted driving ticket vary by province as well. For example, a first offence in Nova Scotia could result in a driver receiving a fine of $233.95 and 4 demerit points on their record, while Ontarians would face a fine that ranges from $615 to $1,000, earn 3 demerit points, and receive a 3 day suspension of their licence. Penalties for subsequent offences increase in severity and can include higher fines, more demerit points, and longer suspensions. Be sure to check your provincial government’s website for the most up-to-date information on distracted driving laws and penalties, as they can change over time. 

Will a Ticket for Distracted Driving Affect My Insurance?

So you’ve paid your distracted driving fine, but now you’re wondering if it will impact your auto insurance. The short answer is yes. Insurers take distracted driving seriously due to its association with preventable accidents. This type of traffic violation is an indication of risky driving behaviour and can remain on your record for years - likely leading to a significant increase in your premium. For drivers with multiple violations, some insurers may cancel your policy or deem you ineligible for standard coverage, requiring you to seek high-risk insurance, which is more expensive.

Safety Tips to Prevent Distracted Driving

Avoiding distractions while driving isn’t just about following the law - it’s about protecting lives. Here are some tips to help you stay focused:

• Put your phone away: Store it in a glove compartment or use a "Do Not Disturb" mode.
• Plan ahead: Set your GPS and adjust your music or climate controls before you start driving.
• Avoid multitasking: Finish eating or grooming before getting behind the wheel.
• Pull over safely: If something requires your immediate attention, find a safe place to stop.
• Stay mindful: Remind yourself of the risks and prioritize safety over convenience.
• Keep passengers informed: Let your passengers know that safety comes first, and avoid engaging in distracting conversations.
• Use hands-free devices wisely: If you must use a phone for navigation or calls, ensure it’s mounted securely and only use voice commands.
• Manage in-car distractions: Secure loose items and avoid reaching for things while driving.
• Take regular breaks: On long drives, take breaks to stretch and refresh your focus.

Remember, even a momentary lapse in attention can have lifelong consequences. By staying focused, you’re not only reducing the risk of accidents but also setting a positive example for others on the road.

Driving Smart, Staying Safe

While avoiding distracted driving is essential, staying safe on the road requires more than just paying attention. Defensive driving techniques, maintaining a safe following distance, and being aware of changing road conditions can significantly reduce your risk of accidents. Additionally, ensure your vehicle is well-maintained with regular inspections of brakes, tires, and lights to avoid mechanical issues that could lead to dangerous situations.

Every time you get behind the wheel, you have the power to make the roads safer for yourself, your passengers, and everyone around you. Safe driving isn’t just about avoiding tickets - it’s about protecting lives and fostering a responsible driving culture. Stay alert, stay prepared, and prioritize safety on every journey.

Explore Your Insurance Options with BIG

Navigating the impact of traffic violations on your insurance can feel overwhelming, but you don’t have to do it alone. Our experienced insurance professionals understand the challenges drivers face and are committed to helping you find the best solutions. If you’ve received a distracted driving ticket and have concerns about how it might affect your insurance, a BIG broker can guide you through your options, find competitive rates, and ensure you have the coverage you need. Contact a BIG broker today or request a quote for car insurance online.