Driving is an essential part of our daily lives, but with it comes many risks that can affect our safety and the safety of others on the road. While some dangers are well-known, there is a hidden risk most Ontario drivers are taking that often goes unnoticed. Often overlooked or underestimated, this risk can lead to accidents, increased insurance premiums, and even legal trouble. Let’s uncover the surprising risk and explore how insurance brokers can help safeguard against it.
The Risk: Distracted Driving
Distracted driving has become increasingly common in recent years, with numerous factors contributing to this dangerous behaviour. While most drivers know the risks associated with speeding or driving under the influence, many don’t realize the dangers of distracted driving. Distracted driving includes any activity that takes your attention away from the task of driving. This can include using your phone, adjusting your car’s GPS, eating, or conversing with passengers.
The Statistics
According to the Ontario Provincial Police (OPP), distracted driving is a leading cause of collisions in the province. In 2021, it was reported that distracted driving fatalities surpassed those caused by impaired driving, speeding, and not wearing seatbelts. The numbers are clear: distracted driving is a significant issue that needs to be addressed.
The Consequences
Distracted driving not only increases the chances of accidents, but it can also lead to legal consequences. In Ontario, drivers caught using their phones or other handheld devices face fines of up to $1,000, three demerit points, and a three-day licence suspension for a first offence. Penalties increase with subsequent offences, leading to higher fines, more demerit points, and longer suspensions. Additionally, a distracted driving conviction can impact their insurance premiums. Many insurance providers see distracted driving as high-risk behaviour and may increase your rates.
Prevention and Education
We all have a role to play in understanding the risks associated with distracted driving and encouraging safe practices. There are things you can do to not only raise awareness and promote road safety but also obtain discounts on your premium. Defensive driving courses are a great way to improve your driving skills and become a safer drive. Many insurance providers even offer discounts for completing these courses. Additionally, some insurance providers reward clients who maintain a clean driving record with reduced premiums and other incentives, thus reinforcing the importance of safe driving habits
How to Protect Yourself and Others
Here are a few tips to help you avoid distracted driving and keep Ontario’s roads safe:
- Put your phone away: When you’re behind the wheel, keep your phone out of reach or in a designated spot in your car. This will help you resist the temptation to check it while driving. Use smartphone apps or devices that promote safe driving, such as those that block notifications while driving or provide hands-free navigation.
- Plan your route: If you need a GPS, program your destination before driving. If you need to adjust, pull over to a safe location before interacting with the device.
- Limit distractions from passengers: While engaging with passengers is essential, avoid deep or heated conversations that can take your focus away from the road.
- Prioritize driving: Remember that your primary responsibility when behind the wheel is to drive safely. Everything else can wait until you reach your destination or can pull over safely.
At FirstOntario Insurance Brokers, we aim to help you stay safe on the road and maintain affordable insurance premiums. By understanding the risks of distracted driving and avoiding it, you can protect yourself, your passengers, and other drivers in Ontario. Let’s work together to make our roads safer for everyone.
