Reader’s Question:
Can an car insurance companies charge higher car insurance rates for those who drive with cell phones? Why or why not?
Harold
Royal Oak, MI
If insurance providers see a high correlation between accidents and cell phone usage while driving, these insurance companies might consider that when they determine their car insurance rates. Now, insurance carriers are required to file their auto insurance rates and rules with state regulatory bodies such as the Department of Insurance. What I know is that, there isn’t a ‘law’ that prohibits insurance providers from basing their insurance premiums on motorists who use their cell phones when they drive.Additionally, I have not heard of any insurance carrier charging increased auto insurance rates because its insured use cell phones while driving. It’s just a matter of how the car insurance rates are filed and passed on to you.
Tags: auto insurance, automobile
