Understanding Georgia's Hands-Free Law and Its Implications for Auto Insurance
In recent years, Georgia has taken a significant step towards enhancing road safety by implementing the hands-free law. Officially known as the Hands-Free Georgia Act, this legislation has brought about notable changes in driving habits and has implications for auto insurance policies and premiums.
Contact Peachstate Insurance, with locations across Georgia, for more information about how GA’s hands-free law may impact your auto insurance.
What Is the Hands-Free GA Law?
The hands-free law in GA, enacted on July 1, 2018, prohibits drivers from holding a phone or using any part of their body to support the device while driving. Under this law, drivers can only use their phones hands-free through voice commands or earpieces. The law also bans texting, emailing and other manual data entry while driving.
This legislation aims to reduce distractions and enhance focus on the road, thereby decreasing the likelihood of accidents caused by distracted driving.
Implications for Auto Insurance
The introduction of the hands-free GA law has several implications for auto insurance:
- Potential for reduced premiums—With the expectation of fewer accidents due to reduced distracted driving, there could be a long-term impact on insurance premiums. A decrease in the frequency of claims typically encourages insurers to lower premiums, benefiting conscientious drivers who adhere to the law.
- Impact on claims and liability—In an accident, if a driver is found violating the hands-free law, this could significantly impact the outcome of insurance claims. Such a violation might lead to increased liability for the driver at fault, potentially resulting in higher future premiums.
- Insurance discounts—Insurers may offer discounts to drivers who use hands-free devices or apps that limit the use of mobile phones while driving.
Contact Us
Staying informed about driving laws is essential for safe, responsible drivers.
Contact Peachstate Insurance today to learn more about Georgia driving rules and for a personalized auto insurance quote.
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