text: All driver should know that if they cause an accident because of risky behavior, their car insurance rate will certainly increase. It is important to know because the bad behavior of distractive driving can have an impact on other drivers too. For instance, Emily's article states, "Because of this, car accident rates have risen over 14 percent since 2014. Not only does this make driving more dangerous for everyone, but it also contributes to increased car insurance premiums for everyone." (Delbridge) The car insurance premiums are established by many different components, including the drivers' neighborhood, age, distance of commute, driving history, and the behavior of other drivers. The last category is why texting and driving effects everyone. Those who tend to use their cellphone while driving is the reason that the annual U.S. traffic fatalities are rise with insurance claims.