Every state in the nation now has some kind of rule or law on the books with regards to the use of a cell phone while driving. The changes have been driving by the increasing proliferation of cell phones in multiple aspects of life and people’s need to stay connected as well an increasing number of preventable accidents with deaths. And both traffic officers and courts are becoming less and less tolerant the longer the laws have been on the books.
What is not discussed enough is the effects on auto insurance coverage when a person is involved in a car accident while using a cell phone. It’s fairly easy for traffic officers to find out; a simple subpoena to one’s cell phone company will show any activity right down to the second, comparing that to the relative time of the accident and just before. When folks deny the use, they make the matter worse by being caught lying to a traffic officer. So the whole situation pretty much lands inappropriate use in the driver’s hands.
Insurance companies cover a lot of issues, but when a person knowingly breaks the law, it can technically breach a contract, allowing an insurance company to no longer be obligated to provide coverage in an auto policy. This obviously becomes a big issue in an accident with a lot of damage, injuries or worse. Even if a person is not arrested, the civil liabilities involved can be tremendous without coverage help.
Drivers should simply not use their phones period. That said, equipment is available to connect phones to a car’s to speakers and create a hands-free system is possible. For those in the Burlington, NC area, Don Allred Insurance can help with how insurance works and cell phone use ideas for travelers that are legal. Drive safe and keep coverage viable.
For homeowners in the Burlington, NC area, choosing a home insurance policy is one of the most important decisions they’ll ever make. Fortunately, the agents at Don Allred Insurance know how crucial these policies are to your family’s safety and security. That’s why they encourage their customers to ask as many questions as possible before and after they buy a policy. These are some of the most crucial things to find out before you choose a home policy.
- How much coverage would I have? While your policy limits should be fairly obvious, it’s important to know how much coverage you have for the contents, structure and other items. In some cases, there might be separate coverage limits for detached buildings, electronics, or jewelry.
- What are my deductibles? It’s rare for a policy to just have one deductible. In fact, many people pay different amounts depending on the disaster that caused the damage. For example, hurricane deductibles are often higher than deductibles for damage caused by fire or theft.
- What types of damage is not covered? Some policies will have specific exclusions for hurricanes, floods, sinkholes, or other events. If you’re not comfortable with this, ask your agent about riders that can be added to the policy to cover these specific events.
- What items are not covered by the policy? Small electronics, jewelry, and other possessions can be excluded from coverage. It’s also possible to exclude coverage for structures on the property that aren’t attached to your house, such as a dock or shed. Again, ask your agent about a rider that would cover these exclusions.
If you live in the Burlington, NC area and you need to look into a new home owner’s policy, call the agents at Don Allred Insurance. They’ll take the time to answer your questions and find the policy that’s right for you.