Have you seen the YouTube road rage video that was recently all the rage on the Internet and TV news channels?
You may find it very entertaining. Your car insurance company, probably not so much.
Woman records tailgater
The Florida Highway Patrol says a motorist whipped out her cellphone and recorded the video over her shoulder while she was being tailgated in the left lane of a highway near Tampa, Fla.
The man in the pickup truck following behind the woman is eventually seen pulling up alongside, flashing an obscene gesture, moving his truck in front -- and then losing control of his vehicle, spinning out and crashing off the left side of the road as hubcaps go flying.
"Ha, ha, ha! That's what you get!" the woman cackles as she drives by the wreckage, still recording with her phone.
Insurers wouldn't be amused
Funny? Not really, says Loretta Worters, a vice president with the New York-based trade group the Insurance Information Institute.
"Insurance companies would find this video very alarming, on so many fronts," she says.
The driver of the pickup truck may be penalized by his insurance company the next time his premium is due. A news release from the Highway Patrol says charges against the man include careless driving -- a violation which can raise the cost of your car insurance by an average 27 percent, according to a recent study by InsuranceQuotes.com, a Bankrate-owned website.
(Other moving violations can bring even stiffer increases, the study found. For example, one conviction for driving under the influence will boost your auto rate by 93 percent, on average.)
No good-driver awards
The pickup driver was driving erratically, endangering the lives of other drivers as well as any pedestrians who may have been walking in the area, says Worters.
Insurance companies wouldn't be impressed with the other motorist's behavior either, she says. For starters, the woman shouldn't have been recording video while she was driving.
"She was giving the guy incentive to be more aggressive," Worters says, adding that the woman was lucky to avoid charges which could drive up her own car insurance rate.
What do you think? Is this video cool -- or a cautionary tale?
Want to learn more about the connection between your driving record and your insurance? Read 5 traffic tickets costliest for car insurance.
Follow me on Twitter: @dougwhiteman.