{"id":274,"date":"2024-01-25T13:24:26","date_gmt":"2024-01-25T14:24:26","guid":{"rendered":"https:\/\/davidestudio.co\/?p=274"},"modified":"2024-05-31T21:16:14","modified_gmt":"2024-05-31T21:16:14","slug":"cellphones-leading-cause-of-distracted-driving-telematics-can-help","status":"publish","type":"post","link":"https:\/\/davidestudio.co\/index.php\/2024\/01\/25\/cellphones-leading-cause-of-distracted-driving-telematics-can-help\/","title":{"rendered":"Cellphones Leading Cause of Distracted Driving; Telematics Can Help"},"content":{"rendered":"
\"\"<\/a><\/figure>\n<\/p>\n

By Max Dorfman, Research Writer, Triple-I<\/em><\/strong><\/p>\n

Distracted driving\u2014which has significantly increased since the coronavirus pandemic\u2014is most significantly affected by cellphone use, according to a new Issues Brief<\/a> by Triple-I.<\/p>\n

The report, Distracted Driving: State of the Risk<\/em>, states that cellphone use\u2013which includes dialing, texting, and browsing\u2013was among the most ubiquitous and highest-risk behaviors found in governmental and private sector studies. According to a 2022 national observational survey<\/a> from the National Highway Traffic Safety Administration (NHTSA), a total of 2.5 percent of drivers stopped at intersections were talking on hand-held phones at any moment during the day in 2021.<\/p>\n

The brief also found that the U.S. personal auto insurance industry\u2019s combined ratio\u2014a measure that represents underwriting profitability\u2014increased dramatically from 2022, to 112.2. A combined ratio below 100 indicates an underwriting profit, while one above 100 indicates an underwriting loss.<\/p>\n

\u201cAs drivers returned to the roads following the pandemic, distracted driving surged, causing higher rates of accidents, injuries, and deaths. This high-risk behavior has worsened in the years since, having huge implications for the insurance industry and their policyholders,\u201d stated Dale Porfilio, chief insurance officer, Triple-I.<\/p>\n

The report notes that telematics<\/a> and usage-based insurance can potentially help insurers\u2014and their policyholders\u2014better understand a driver\u2019s risk profile and tailor auto insurance rates based on individual driving habits.<\/p>\n

Indeed, according to an Insurance Research Council survey<\/a> in 2022, 45 percent of drivers said they made significant safety-related changes in how they drove after participating in a telematics program. An additional 35 percent stated that they made small changes in their driving behavior. Policyholders became more comfortable with having their insurer monitor their driving behavior when it resulted in potentially lower insurance costs during the onset of the pandemic<\/a>.<\/p>\n

\u201cIf telematics can influence drivers to change behaviors and reduce the number of accidents, the nation\u2019s roadways will be safer and auto insurance can be more affordable,\u201d Porfilio concluded. <\/p>\n

Learn More:<\/em><\/strong><\/p>\n

Facts + Statistics: Distracted driving | III<\/a><\/p>\n

Louisiana Still Least Affordable State for Personal Auto, Homeowners Insurance<\/a><\/p>\n

Surge in U.S. Auto Insurer Claim Payouts Due to Economic and Social Inflation<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

By Max Dorfman, Research Writer, Triple-I Distracted driving\u2014which has significantly increased since the coronavirus pandemic\u2014is most significantly affected by cellphone use, according to a new Issues Brief by Triple-I. The report, Distracted Driving: State of the Risk, states that cellphone use\u2013which includes dialing, texting, and browsing\u2013was among the most ubiquitous and highest-risk behaviors found in […]<\/p>\n","protected":false},"author":1,"featured_media":276,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[12],"tags":[],"_links":{"self":[{"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/posts\/274"}],"collection":[{"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/comments?post=274"}],"version-history":[{"count":2,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/posts\/274\/revisions"}],"predecessor-version":[{"id":277,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/posts\/274\/revisions\/277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/media\/276"}],"wp:attachment":[{"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/media?parent=274"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/categories?post=274"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/davidestudio.co\/index.php\/wp-json\/wp\/v2\/tags?post=274"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}