Dome Lights

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Relevant Material: "Why it's not illegal, but also not a good idea:

  • No Specific Law:There are no laws prohibiting the use of interior lights while driving. 
  • Distraction:The primary reason it's advised against is that the light interferes with your night vision, reducing your ability to see clearly outside the vehicle. 
  • Careless Driving:If the interior lights cause you to become distracted, impair your vision, and lead to an accident, you could be charged with careless driving, according to DriveSmartBC and YouTube. .." (Google)

Relevant Statistics - US: "The National Safety Council reports that cell phone use while driving leads to 1.6 million crashes each year....Nearly 390,000 injuries occur each year from accidents caused by texting while driving....1 out of every 4 car accidents in the United States is caused by texting and driving....Texting while driving is 6x more likely to cause an accident than driving drunk....Answering a text takes away your attention for about five seconds. Traveling at 55 mph, that's enough time to travel the length of a football field....Texting while driving causes a 400 percent increase in time spent with eyes off the road....Of all cell phone related tasks, texting is by far the most dangerous activity....94 percent of drivers support a ban on texting while driving....74 percent of drivers support a ban on hand-held cell phone use... " ("Texting and Driving Accident Statistics", https://www.edgarsnyder.com/car-accident/cause-of-accident/cell-phone/cell-phone-statistics.html)

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Relevant material for distracted driving: "In Ontario, deaths from distracted driving have doubled since 2000, and it is illegal to use a cellphone or any other hand-held wireless communication device to text or dial and view display screens or program a GPS system, even if stopped at a red light.Fines for distracted driving in Ontario can be anywhere from $615 to $3,000 with three to six demerit points.If you're a first-time offender and you dispute the ticket, a $615 ticket increases to $1,000 if you lose. A second-time offender will receive a $615 ticket that increases to $2,000 if they dispute it and lose. They can also expect six demerit points and license suspension for seven days. For third-time offenders, a $615 ticket goes up to $3,000 if they take it to court and lose. They’ll also receive six demerit points and license suspension for 30 days. Novice drivers will face longer suspensions and possible revocation. A driver involved in an accident due to eating, drinking, smoking, reaching for objects and reading can be charged with careless or dangerous driving.Blatantly careless driving that endangers the lives of others can lead to a 2-year license suspension and even jail time.It is legal to use a hands-free wireless device with an earpiece or Bluetooth, and GPS display screens can be used while driving if they’re built into the vehicle’s dashboard." ("Distracted Driving Laws & Penalties in Canada Per Province", https://www.canadadrives.ca/blog/tips/distracted-driving-laws-penalties-canada)
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Relevant Statistics - Global: "Every year nearly 1.3 million people die and 50 million are injured as a result of road traffic crashes...An Australian study examined the role of self-reported driver distraction...in serious road crashes resulting in hospital attendance, and found that distraction was a contributing factor in 14% of crashes (19).
• In New Zealand, research suggests that distraction contributes to at
least 10% of fatal crashes and 9% of injury crashes, with an estimated
were caused by distracted drivers in 2006. Of all cases where pedestrians
social cost of NZ$ 413 million in 2008 (approximately US$ 311 million).
Young people are particularly likely to be involved in crashes relating to
driver distraction (20).
• Insurance companies in Colombia reported that 9% of all road traffic crashes
for 8.3% of the total number of dead and injured victims in 2004 (23).
were hit by cars, 21% were caused by distracted drivers (21).
• In Spain, an estimated 37% of road traffic crashes in 2008 were related to
driver distraction (22).
• In the Netherlands, the use of mobile phones while driving was responsible
• A survey study among Swedish drivers showed that mobile phone use
• In Canada, national data from 2003–2007 show that 10.7% of all drivers
killed or injured1 were distracted at the time of the crash (24)...• In Great Britain in 2008, hand-held mobile phone use was observed to be 1.1% for car drivers and 2.2% for other drivers (e.g. vans and lorries) (39).
with mobile phones reported using them daily while driving.while driving has increased heavily in the past 10 years:. " ("Mobile Phone Use: A growing problem of Driver Distraction", https://www.who.int/violence_injury_prevention/publications/road_traffic/distracted_driving_en.pdf.)
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Relevant Insurance Coverage:
a) Liability both for body injury and property damage 
b) Collision 
c) Upset
d) Accident Benefits Coverage 
e) Uninsured Auto
f) Travel & health which covers collision waiver for rental vehicles
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Relevant Coverage: 

a) Travel & Health 

b) Auto Insurance 

c) Personal Property Coverage 

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