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Distracted Driving in Newfoundland: Risks and Its Impact on Auto Insurance

A driver wearing a yellow sweater holding a smartphone while driving, illustrating the risks of distracted driving in Newfoundland and its impact on road safety and auto insurance.

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Distracted driving is a significant and growing concern on Newfoundland’s roads. Despite efforts to educate drivers and enforce laws, the prevalence of distractions continues to pose risks to road safety. It impacts auto insurance premiums across the province. In this blog post, we will explore the dangers of distracted driving, its implications for insurance, and how Newfoundland drivers can stay safe.

What is Distracted Driving?

Distracted driving involves any activity that takes a driver’s attention away from the road. This includes using a mobile phone, eating, adjusting the radio, or talking with passengers. According to the Government of Newfoundland and Labrador, distracted driving has become one of the leading causes of collisions in the province, often resulting in severe injuries or fatalities.

The Canadian Automobile Association (CAA) reports that texting drivers are 23 times more likely to be involved in crashes. Similarly, other distractions, such as reaching for objects or interacting with in-car entertainment systems, significantly increase the risk of accidents.

The Risks of Distracted Driving

Distracted driving jeopardizes not only the safety of the driver but also that of passengers, pedestrians, and other road users. Some key risks include:

  1. Reduced Reaction Time: Distractions delay a driver’s response to sudden changes, such as a vehicle stopping abruptly or a pedestrian crossing the road.
  2. Increased Likelihood of Accidents: Statistics show that distracted driving is as dangerous as driving under the influence of alcohol or drugs. A split-second distraction can lead to catastrophic outcomes.
  3. Higher Fatality Rates: Distracted driving is a leading cause of fatal accidents. In some cases, the consequences are life-altering for survivors and their families.

Impact on Auto Insurance in Newfoundland

Distracted driving directly impacts auto insurance rates in Newfoundland and Labrador. Insurers consider driving records when calculating premiums, and a conviction for distracted driving can have significant financial consequences. Here’s how:

1. Higher Premiums

A distracted driving conviction is a red flag for insurance providers. It suggests a higher likelihood of future claims, leading insurers to increase premiums. Depending on the severity of the violation and prior driving history, premiums could rise by 15% to 25% or more.

2. Potential Denial of Coverage

In extreme cases, repeated convictions for distracted driving may result in insurers refusing to renew a policy. This can force drivers to seek coverage from high-risk providers at much higher rates.

3. Impact on Claims

Suppose an accident occurs due to distracted driving. In that case, insurance claims may be denied if the driver’s actions are proven to violate traffic laws. This leaves drivers financially responsible for damages and injuries.

Laws to Curb Distracted Driving in Newfoundland

The Newfoundland and Labrador Highway Traffic Act prohibits hand-held electronic devices while driving. This includes texting, calling, or any other interaction that requires physically handling a device. Violators face steep fines, demerit points, and potential increases in insurance premiums.

Fines for distracted driving in Newfoundland and Labrador range from $300 to $1,000, along with four demerit points off a driver’s license. These penalties aim to deter drivers from engaging in risky behaviours behind the wheel.

How to Stay Focused on the Road

Preventing distracted driving starts with adopting safe habits. Here are some practical tips for Newfoundland drivers:

  1. Use Hands-Free Devices: If you need to take a call, ensure your device is connected to a hands-free system.
  2. Plan Ahead: Set your GPS, adjust your mirrors, and select your playlist before hitting the road.
  3. Secure Loose Items: Prevent items from rolling around in your vehicle, which could tempt you to reach for them.
  4. Educate Young Drivers: New drivers are particularly susceptible to distractions. Teach them the importance of staying focused.
  5. Pull Over When Necessary: If you need to make a call, send a text, or address an issue, safely pull over and stop your vehicle.

How We Can Help

Navigating the complexities of auto insurance can be challenging, especially when dealing with the repercussions of distracted driving. At Wedgwood, our team are committed to providing personalized advice and helping clients find the best coverage. Whether you need assistance understanding how a conviction impacts your policy or exploring options to lower premiums, we’re here to help.

It Can Wait

Distracted driving is a preventable issue that requires a collective effort to address. By staying focused and adhering to road safety laws, drivers in Newfoundland can reduce accidents and avoid unnecessary increases in auto insurance premiums. If you have questions about how distracted driving may affect your insurance, contact Wedgwood Insurance today for expert guidance and support.

About Wedgwood Insurance

Wedgwood Insurance has offices in St. John’s & Corner Brook and is Newfoundland & Labrador’s largest independent insurance broker. We provide straightforward home, auto & business insurance advice.

With over 280 Google My Business reviews, experience the Wedgwood difference with expert advice from our dedicated team. We ensure that every client has the coverage that best suits their needs through upfront complimentary consultations and midterm reviews.

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Author Jamie Ross

Jamie Ross leads the Marketing and Communications team at Wedgwood Insurance, renowned as one of Atlantic Canada’s premier independent insurance brokers. Bringing a wealth of experience amassed over many years at some of Canada's most esteemed advertising agencies, Jamie transitioned to the insurance industry in 2017. This pivotal move has marked a period of significant professional growth and contribution to the field. A native Nova Scotian, Jamie has been a resident of St. John's, NL, since 2011, where he has become an integral part of the local community. Learn more about Jamie.

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