#LikeLife - Distracted Driving Nearly 3 out of 4 Canadian drivers admit to driving distracted. You are 3.6 times more likely to crash if you use an electronic device while driving.1IBC encourages Canadians to put down your cellphone and #likelifeWhat is Distracted Driving?Distracted driving is one of the largest causes of collisions, injuries and deaths on Canada’s roads. It can take many forms – including texting, talking on the phone, eating and drinking and trying to program your GPS.2The risk of collision increases when your eyes and attention are taken off the road. Distractions impair your driving performance and reduce your awareness. You may be slower to notice or less able to safely respond to critical events on the road.3 Top 10 Tips on How To Avoid Distractions While Driving4 Reasons Why Driving While Distracted (DWD) May Be the New DUIDistracted driving is potentially as dangerous as driving drunk and is much more common. If you drive while distracted, you should know these facts:It takes only 3 seconds after a driver’s attention has been diverted for a crash to occur.4 Sending or reading a text takes your eyes off the road for 5 seconds. At 90 km/h, that’s like driving the length of an entire football field with your eyes closed.5You are 23 times more likely to be involved in a collision if you text while driving and 4 times more likely if you talk on a cellphone (hand-held or hands-free) while driving.6You may be breaking the law. All provinces in Canada, plus the Yukon and Northwest Territories, have bans in place on using hand-held cellphones and electronic devices while driving. Depending on the legislation, penalties can include hefty fines and, in many cases, demerit points.Penalties for Distracted Driving Across CanadaThe following CAA chart summarizes current distracted driving penalties and hand-held device legislation from across Canada.7Province or TerritoryFine(s)Demerit PointsMore InfoBritish Columbia$5434Distractions While Driving - Cell Phones and Other DevicesAlberta$2873Alberta Transportation: Distracted Driving LegislationSaskatchewan$5804SGI: Driver Distraction and InattentionManitoba$6725Manitoba.caOntario*$615 - $3,0003 - 6Ontario.ca - Distracted DrivingQuebec$300 - $6005Transports Québec: An Act to Amend the Highway Safety CodeNew Brunswick$2805New Brunswick Public Safety: Driver distractionNova Scotia$233.95 - first offence$348.95 - second offence$578.95 - subsequent offences4Nova Scotia Transportation and Infrastructure Renewal: Hands on the Wheel – Eyes on the RoadPrince Edward Island$500 - $1,2005PEI Transportation and Infrastructure Renewal: No Cell Phones or TextingNewfoundland and Labrador$300 - $1,0004Newfoundland and Labrador Road Users Guide (page 14)Yukon$5003Motor Vehicles Act - NEW Cell Phone Use Legislative ChangeNorthwest Territories$322 - $6443Drive Alive: Cell Phones and TextingNunavut$5,000N/ANo Law Sources:1Virginia Tech Transportation Institute, 2019.2CAA, 2021.3Transport Canada, 2019.4,6Thinkinsure, 2020.5National Highway Traffic Safety Administration7CAA, 2021.The Cost of Distracted Driving: Josh's StoryIBC encourages Canadians to put down your cellphone and #likelife So You've Had an AccidentA convenient form to keep in your car to record the details of an accident. Just in case. Related ServicesLending Your CarWhen you lend your auto, you also share your auto insurance. Typically, a guest driver is also covered under your policy. Should the guest driver cause a collision while driving your vehicle, your premium may increase.FAQs: Transportation Network CompaniesA TNC is a company that arranges transportation in privately owned vehicles for financial compensation that is paid to the driver and to the TNC. Useful LinksLoss PreventionBy practising safe driving techniques, you can prevent a collision. If you are in a collision, watch out for repair shop scams and other preventable costs. Staged CollisionsA staged or alleged vehicle collision supports false auto insurance claims. Staged collisions put innocent drivers at risk and contribute to higher insurance premiums. Dispute ResolutionYou have options when filing a complaint. Start by getting more information from your insurer. Consider contacting the company’s ombudsperson. If your dispute is not resolved, you can contact the General Insurance OmbudService (GIO) or a federal or provincial Superintendent of Insurance.