Starting January 1, 2020, if you get caught texting and driving, it will cost you. The first offense, if caught texting, is $30. The second time you’re caught within a five-year period, the fine will double to $60, and three points on your license. For every time after that, you’ll get another $60 fine and three more points on your license. If you get enough points your insurance could go up or you could even have your license suspended. The texting ban does not apply to using navigation devices or when your car is stopped and you can still pick up your phone to answer a call. But, there is a second part to the law which went into effect back in October. You cannot use your phone in a school or work zone. If a cop spots you on your phone, even stopped, you could get a ticket. 

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