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The risks of distracted driving

Written by Unica Insurance
2 min read
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Distracted driving puts you and others at risk and isn’t worth the strict penalties you could face.

What is Distracted Driving?

Distracted driving is any activity behind the wheel that hinders your focus, even if you are stopped at a stop sign or red light. There are three types of distracted driving:

  1. Visual: taking your eyes off the road.
  2. Manual: taking your hands off the wheel.
  3. Cognitive: taking your mind off what you’re doing.

Before you get behind the wheel you should know the types of activities the Ontario government considers to be distracted driving:

  • Using your phone to talk or text, unless you are calling emergency services
  • Holding your phone, even if you aren’t using it for anything
  • Typing a destination into your GPS or maps
  • Choosing a playlist
  • Eating (Drinking coffee/ water is allowed)
  • Reading

The easiest way to avoid penalties for distracted driving is to refrain from using hand-held devices or other activities that take your focus off the road when you are behind the wheel.

What are the penalties?

If convicted, the penalty will depend on the license you hold, how long you have been driving, and if you have had any prior distracted driving convictions.

Drivers with A to G licenses

First conviction:

  • A fine of $615, if settled out of court (includes a victim surcharge and the court fee)
  • A fine of up to $1,000 if a summons is received or if you fight the ticket in court and lose
  • Three demerit points
  • 3-day license suspension

Subsequent convictions carry heavier fines and longer suspensions. Click here for more information about distracted driving and associated penalties.

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About Unica Insurance

Unica Insurance provides innovative niche Commercial and Personal Insurance solutions to protect clients’ homes, vehicles and businesses. Delivering best-in-class insurance protection backed by a renowned claims experience, Unica allows its customers to safeguard their hard-earned assets and protect their momentum.
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