Mobile phone accident – Will your car insurance pay for the damage?

About 70 percent of motorists sometimes reach for the phone while driving. And that percentage has been rising for years. Distraction in traffic is a major problem that can have life-threatening consequences. If you cause an accident by using a mobile phone, it is not certain whether your car insurance will pay for the damage.

Use of mobile devices behind the wheel is prohibited

While driving, do not hold a mobile device or clamp it between your ear and shoulder. This ban does not only apply to a mobile phone, but also to a navigation system, tablet or music player.

How can I use a mobile phone in the car?

You are not allowed to hold your smartphone or other device while driving. If you still want to call, you must do so hands-free via a car kit, the infotainment system of the car or with earphones in. Operating your phone when it is in a holder is allowed, for example if you use it as a navigation screen. Calling in a stationary car is also allowed: in a traffic jam, when you are waiting at a traffic light or when you are parked. If you are going to drive again, you must put your device away or place it in its holder.

Still holding the phone while driving? That’s how high the fine is

The fine for handheld calling has risen sharply in recent years. If the police now catch you holding your phone while driving, the fine will be no less than 350 euros.

Mobile phone accident – Does your car insurance pay for the damage?

you can car insurance in various ways: WA (legal liability), WA+ (including theft, burglary, window, fire and storm damage) and All Risk (also for damage that you cause to your own car). Are you causing an accident by looking at your phone? Then the insurance company can decide not to reimburse the damage. In practice, however, this will rarely happen, especially because it is difficult to prove that you were distracted by your phone. If the insurance still manages to do this, you will simply have to pay for the costs yourself.

Source: by

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