This article has been updated from a previous version.

The cost of conviction isn’t just the fine; it’s how much your auto insurance provider decides to jack your rates, too. We’ve used our car insurance quoter to find out just how expensive a distracted driving conviction can really get.

A driver distracted by their cell phone is four times more likely to crash than one who’s not, according to Ontario’s Ministry of Transportation. In some parts of Canada, in fact, distracted driving is beginning to be even more deadly than impaired driving.

Collisions happen all the time. In fact, in the time it takes you to read this article, it’s highly likely that somewhere in Canada, someone will crash their car. 

Some of those collisions will be minor mishaps: a fender-bender while parallel parking, a rear-ender on a stop-and-start highway. But what happens when you get T-boned or drive your car into a ditch and your ride is beat up beyond recognition?