Having insurance companies deny payouts when their insurant's distraction is the cause of an accident is a horrible idea that, in nearly all instances, will shi

Having insurance companies deny payouts when their insurant's distraction is the cause of an accident is a horrible idea that, in nearly all instances, will shift the cost onto their victims. Few people can pay for repairs out of their own pockets. Are we going to garnish their wages or place a lien on their assets? Great, the repair will be paid for after the next car gets traded-in. The end result will be victims paying for it themselves, whether directly or through their insurance carriers. Uninsured and even underinsured drivers create significant externalities that are shifted onto their victims. The last thing in the world we need to do is effectively create more of the little bastards.