Mobile phones have become an integral part of everyday life, making it much more convenient to communicate, listen to music, and get directions. However, this increases the temptation to use devices when driving, which can pose a significant safety risk and also affect a person’s driving privileges and auto insurance rates. Texting behind the wheel is especially dangerous, as it takes a person’s visual, cognitive, and manual attention away from the road. Here are a few potential consequences of sending and answering texts while operating a vehicle.

The Risks of Texting While Driving

1. Injury to Yourself or Someone Else

According to the National Highway Traffic Safety Administration, cell phone use contributed to 14% of all fatal crashes that were caused by distracted driving in 2016. Texting and driving endangers your well-being as well as the safety of your passengers and those around you on the roadway. Shifting your focus away from the task of driving boosts the chances of causing an accident resulting in severe injuries.

2. Traffic Citations & Loss of Licenseauto insurance

In Kentucky, it is illegal for drivers of any age to read, write, or send a text message while a vehicle is in motion. The penalty for breaking this law is a fine and three points on your driving record. Accumulating 12 points in 24 months can lead to a license suspension. Also, depending on the situation, being cited for a texting violation can turn into a reckless driving charge.

3. Increase in Auto Insurance Premiums

Auto insurance companies calculate policy premiums based on a driver’s level of risk. While they consider a variety of factors to determine your likelihood of filing a claim, your driving history will be the most influential. If your record shows any texting citations, they are likely to consider you a higher risk behind the wheel, which will be reflected in coverage rates.


Taking your eyes off the road, even for just a few seconds, can have serious legal and financial ramifications. If you have been caught texting and driving, the professionals at Reed Brothers Insurance will work diligently to find you adequate and affordable auto insurance. As an independent agency, they offer clients access to many product options from several reputable carriers. For more than a century, they have been entrusted to provide the residents of Lexington, KY, and its surrounding communities with high-quality coverage solutions at competitive pricing. Call (859) 253-2728 to discuss your insurance needs or visit them online to request a quote.