- December 4, 2024
- Category: News, Tips & Advice
The holiday season is a time to come together as a community, celebrate with loved ones, and create cherished memories. At Cluett Insurance, we deeply value the safety and well-being of our clients and their families. That’s why we want to address two critical issues that go far beyond insurance: drinking and driving and distracted driving.
These behaviors not only endanger your life but also the lives of others in our community—your neighbors, friends, and loved ones. Choosing to drive responsibly is about more than avoiding fines or insurance consequences; it’s about being a good community member and protecting the people who make this season so special.
As we enter this festive time of year, let’s prioritize care and responsibility on the roads. Together, we can ensure that everyone gets home safely to enjoy the holidays with their families. Let’s take a closer look at the impact of these choices and why safe driving matters now more than ever.
The Dangers of Drinking and Driving
Drinking and driving is one of the most dangerous decisions a driver can make. Not only does it put lives at risk, but it also carries severe legal and financial consequences.
How Drinking and Driving Affects Your Insurance:
- Higher Premiums:
A DUI (Driving Under the Influence) charge can significantly raise your insurance rates. Insurance companies view DUI offenders as high-risk drivers, often leading to premiums doubling—or even tripling. - Policy Cancellation:
Many insurers may choose to cancel your policy entirely after a DUI conviction. Finding new coverage can be challenging and expensive. - Mandatory High-Risk Insurance:
After a DUI, you may be required to obtain high-risk insurance, which comes with additional costs.
Prevention During the Holidays:
- Plan Ahead: Use a designated driver, public transportation, or a rideshare service if you plan to drink.
- Stay Over: If you’re attending a party or event, consider staying overnight to avoid driving after drinking.
The Impact of Distracted Driving on Your Insurance
Cell phone use while driving is another significant risk, especially during the busy holiday season when traffic is heavier and distractions are everywhere.
What Counts as Distracted Driving?
Distracted driving includes any activity that diverts your attention from the road, but using a cell phone is one of the most common and dangerous forms. This includes texting, talking, or even checking directions while driving.
How It Affects Your Insurance:
- Higher Insurance Rates:
Distracted driving tickets are considered moving violations, which can lead to increased premiums. Insurers view these behaviors as indicators of risky driving habits. - Demerit Points:
Many provinces issue demerit points for distracted driving offenses. Accumulating too many points can lead to licence suspensions and additional penalties. - Potential Policy Non-Renewal:
Multiple distracted driving offenses can result in your policy being non-renewed by your insurer, leaving you to find alternative (and often more expensive) coverage.
Staying Focused During the Holidays:
- Put Your Phone Away: Use hands-free technology or turn off notifications while driving.
- Plan Your Route: Set GPS directions before you start driving.
- Stay Mindful: Focus on the road and avoid eating, adjusting music, or other distractions while behind the wheel.
Driving Safely Is About Protecting Our Community
At Cluett Insurance, the safety of our clients and community is at the heart of everything we do. The choices we make behind the wheel don’t just impact us—they affect everyone on the road, from families heading to holiday gatherings to friends traveling to see loved ones. Choosing to drive responsibly is a way to care for your community and ensure everyone has the chance to enjoy the season together.
We’re here to support you, whether it’s with safe driving tips, advice for navigating the holidays, or helping you understand your insurance needs. At Cluett, we believe that protecting what matters most starts with taking care of each other.
Let’s Be Safe This Holiday Season!
This holiday season, let’s make a shared commitment to safe and responsible driving. Say no to drinking and driving, put your phone away, and stay focused on the road. These small actions can make a big difference in keeping our roads safe and ensuring everyone gets home to the people they love.
From our Cluett family to yours, we wish you a safe, joyful, and meaningful holiday season. If you have questions about your insurance or need support, don’t hesitate to reach out—we’re always here to help. Let’s protect our community, together.