text: Most know that if he or she crashes their car, there will be repercussions. For teens, it's the fear of their parents anger that stops them from texting and driving. For adults, it's the thought of not being able to go to work, due to a totaled car. However, both groups face a similar enemy when it comes to texting a driving, the insurance. Unknown by most teens, every crash that is his or her fault will cause their insurance prices to rise phenomenally. Should this happen, the driver may not be able to pay for the insurance, resulting it a car that can't be driven. For working teens and adults, this is not an option.