text: Choices made, whether bad or good, follow you forever and affect everything else in your path one way or another. Everytime you decide to focus on your phone instead of the road you are risking your life and the payments of it. When you get into a wreck regardless of who is at fault, the insurance rate will most likely increase. This creates extra unnecessary payments which takes a chunk of money out of your paycheck. Also when in a motor vehicle accident case payment of your medical bills will differ depending on who is the cause of the crash. However health is important yet expensive so this might follow you even after the situation possibly leaving you with thousands of dollars to pay off. Not to mention vehicle repairment is not cheap and only starts from 175$-500$ and if a new transmission is needed then prices can reach from 1,800 to a high as 4,000$. All these extra costs could be avoided if you don't let electronics get the best of you.