Texting while driving? Your insurance company can legally deny your claim—even if the accident wasn’t your fault. Learn how to protect yourself.
Your Insurance Can Deny a Claim—Even if You Didn’t Cause the Accident
You’re driving. Your phone buzzes. You glance down for two seconds.
Then someone swerves into your lane and hits you. You think: “Not my fault—my insurance will cover it.”
But then the adjuster pulls your phone records. They see the time stamp. And suddenly, your claim is denied—even though you didn’t cause the crash.
In Colorado and Wyoming, distracted driving doesn’t just raise your risk on the road—it can void your protection after an accident. And most drivers have no idea.
Distracted Driving Isn’t Just Dangerous—It’s a Coverage Risk
Let’s be clear: insurance companies can deny your claim if they prove you were distracted at the time of an accident. Even if the other driver was technically at fault.
Distracted driving includes:
- Texting or checking your phone
- Eating or drinking behind the wheel
- Adjusting your GPS or music
- Reaching for something in your bag or seat
Many insurers now access phone records, car data, or app logs to prove inattention. And if they find it? They can legally refuse to pay for:
- Vehicle repairs
- Medical bills
- Liability lawsuits
Who Needs to Worry About This?
Every driver. But especially if you:
- Commute through busy areas in Colorado cities like Denver or Fort Collins
- Drive long distances in Wyoming where distractions feel “harmless”
- Have teen drivers or multi-car households
- Rely on your vehicle for work or family transportation
If you’ve ever touched your phone at a red light or eaten lunch on the go, this applies to you.
What Most People Miss in Their Auto Policy
Most drivers assume:
- “As long as I pay my premium, I’m covered.”
- “If I didn’t cause the crash, it’s not on me.”
- “Distracted driving only matters for tickets, not claims.”
But here’s what’s often hidden in the fine print:
- Exclusions for distracted behavior
- Claims denied due to phone activity
- Increased premiums or dropped coverage after a flagged incident
One mistake, one glance at a screen—and you’re not just dealing with an accident. You’re dealing with it alone.
How Summit Insurance Protects You From the Fine Print
At Summit Insurance Agency, we don’t believe in guesswork. We build policies that hold up—even when things go wrong.
Here’s how we help protect you from denied claims:
✅ Full Policy Reviews
We break down what’s covered, what’s not, and where exclusions might trip you up—especially when it comes to distracted driving insurance in Colorado and Wyoming.
✅ Honest Coverage Education
We don’t assume you read the fine print. We walk you through it in plain English so you know exactly how your coverage responds in real life.
✅ Risk-Adjusted Recommendations
We help you increase protections like liability, medical payments, and uninsured motorist to fill gaps before they become claims.
Our job isn’t to sell you a cheap rate. It’s to make sure your policy holds up—even when your phone buzzes at the wrong time.
Don’t Let One Glance Cost You Thousands
You don’t need to be perfect behind the wheel. But you do need a policy that protects you—even when you make a mistake.
Request a quote from Summit Insurance Agency today.
We’ll review your auto insurance and make sure your coverage is built for the real world—not just the brochure.