If the distraction of having to go leads to speeding or swerving off the road, you’re at risk of getting a traffic ticket. And in addition to paying a fine that could top $250 (depending on the municipality and type of ticket), you could face three to five years of higher car insurance premiums. The average rate hike for a ticket or accident is anywhere from 5 percent to 20 percent.
“Car insurance companies see speeding or being cited for distracted driving as the possibility that a driver may file a claim in the future,” says Billy Van Jura, an insurance broker in New York.
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