"A single texting ticket is usually like a single minor speeding ticket," says Penny Gusner, consumer analyst at CarInsurance.com. "Your rates might go up, and they might not. But watch out for that second ticket, because it starts to look like a pattern of risky behavior."A texting ticket that hits your motor vehicle record could push your rates up 10 to 20 percent for a first offense and 40 percent for repeat offenders, Gusner says.
Texting? Watch Out For Overpasses
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