Skip to Content
The Watson Firm, PLLC The Watson Firm, PLLC
Call Us Today! 850-607-2929

The High Cost of Distraction: How Distracted Driving Can Drain Your Finances in Florida

Distracted Driving

Distracted driving has become a pervasive issue on Florida's roadways, with serious consequences not only for safety but also for financial well-being. In a state where the cost of car insurance is already high, the financial ramifications of distracted driving can be particularly burdensome. Let's explore how distracted driving can cost you money in Florida and what you can do to avoid these expenses.

1. Increased Insurance Premiums: One of the most immediate financial impacts of distracted driving is the increase in insurance premiums. When you're involved in an accident caused by distracted driving, you may be deemed at fault by your insurance company. As a result, your premiums are likely to rise significantly, sometimes by hundreds or even thousands of dollars per year. These higher premiums can persist for several years, compounding the financial burden of your mistake.

2. Repair Costs: Distracted driving often leads to accidents that result in vehicle damage. Whether it's a minor fender bender or a major collision, the cost of repairing your vehicle can add up quickly. Even if you have insurance to cover the repairs, you may still be responsible for paying a deductible, which can range from several hundred to several thousand dollars. Additionally, if you're found to be at fault for the accident, you may be liable for the other party's repair costs as well.

3. Medical Expenses: If you or others involved in the accident sustain injuries, the medical expenses can be astronomical. Even minor injuries can result in costly medical bills for emergency room visits, doctor's appointments, diagnostic tests, and prescription medications. More serious injuries may require surgery, hospitalization, rehabilitation, and ongoing medical care, all of which can quickly deplete your savings and leave you with significant debt.

4. Lost Wages: Injuries sustained in a distracted driving accident can also result in lost wages if you're unable to work while recovering. Missing work for days, weeks, or even months can have a devastating impact on your finances, particularly if you don't have paid sick leave or disability insurance to fall back on. Even if you're able to return to work eventually, you may still experience a reduction in income due to missed opportunities for overtime or promotions.

5. Legal Expenses: If you're involved in a distracted driving accident that results in injuries or significant property damage, you may find yourself facing a lawsuit. Hiring a lawyer to defend you in court can be expensive, with legal fees ranging from a few thousand to tens of thousands of dollars. Even if you're not sued, you may still incur legal expenses related to negotiating with insurance companies or settling claims out of court.

6. Fines and Penalties: In addition to the financial costs associated with accidents, distracted driving can also result in fines and penalties imposed by law enforcement. In Florida, texting while driving is a primary offense, meaning law enforcement can pull you over solely for this violation. The fines for texting while driving can be expensive. If you're caught texting while driving in a school zone, construction zone, or active work zone, the fines can double.

In conclusion, distracted driving can have serious financial consequences in Florida, from increased insurance premiums and repair costs to medical expenses, lost wages, legal fees, and fines. To avoid these expenses and protect your finances, it's essential to prioritize safe driving habits and eliminate distractions behind the wheel. By staying focused on the road, keeping your hands on the wheel, and avoiding distractions such as cell phones, you can help prevent accidents and keep your finances intact. Remember, the cost of distraction far outweighs any momentary convenience it may provide. If you were injured by a distracted driver, call The Watson Firm for a free case evaluation.