Texting while driving continues to be among the leading distractions that result in serious accidents. To help minimize danger on the road and keep drivers focused, hands-free cell phone systems have become a popular alternative. Car insurance providers share what’s good and not good enough about this communication tool.

Pros:

Helps Drivers Remain Alert

Dialing someone’s number or texting involves using your hands. Those seconds when your eyes are off the road and focused on a cell phone can result in deadly accidents. A hands-free system, when used in tandem with a smartphone’s virtual assistant, allows you to activate calls and respond to texts using your voice. You remain alert and aware of your surroundings and other drivers, which helps minimize the potential for a collision.

Can Preset Responses

Many hands-free cell phone systems will allow you to respond to calls and texts with preset messages. Before you start driving, you can arrange to have standard responses such as, “I’m driving now, I’ll follow up later.” There are also settings that will send incoming calls and texts directly to your voicemail. Car insurance providers encourage drivers to always schedule preset messages on your phone to avoid becoming distracted.

Holding Your Phone May Be Illegal

In more than a dozen states, it’s against the law for drivers to hold their cell phones, according to the Insurance Institute for Highway Safety. This means if they’re caught using them, stiff fines are the likely consequence. In Tennessee, drivers in school zones are also banned from hand-held cell phone usage. As is the case in other states, Tennessee also bans any type of cell phone usage for drivers with learner’s permits, school bus drivers, and intermediate license holders.

Con:

Can Impair Cognitive Reactions

Even if you’re using a hands-free cell device, your attention may not be fully focused on the road. Carrying on a conversation with another person can still take your mind off pedestrians entering crosswalks. As you’re engaged in talking, your cognitive skills could become impaired and cause you to accidentally run a red light, which creates the setup for a dangerous collision and an increase in car insurance premiums.

When it comes to cell phone use, the best rule to follow, especially for new drivers, is to turn your device off while driving. Responding is just not worth the risk of getting in an accident. Lafever Insurance Agency in Cookeville, TN, understands the importance of safe driving. The team of insurance agents also realizes accidents happen that can affect your coverage. That’s why the firm specializes in helping high-risk drivers, including those with suspended licenses, young people, and SR-22 car insurance filers. For free rate quotes, call (931) 526-3377 and visit the website for the full suite of coverage options.