Insurance Study Shows Distracted Driving Bans Are Not Effective in Reducing the Number of Crashes

The Highway Loss Data Institute studied insurance claims before and after distracted driving bans took place in California, New York, Connecticut, and Washington, DC and found that driver's are not following the ban; there have been no changes in the number of crashes.

They also looked at neighboring states which have not enacted such bans and found the same results.

What is it going to take for teens and adults to realize that texting or even distracted driving in general is a danger?...to themselves and others.
Or do we just need a more convenient way to communicate while we drive?

Girl vs. Boy: Gap Closing on Risky Driving Behaviors

Teen boy drivers have notoriously higher insurance rates, due to their aggressive and risky driving behavior...and the crash rates to prove it. But the gap in risky behavior between teen boys and girls seems to be closing according to a recent report from The Allstate Foundation.

In the study, girls admit to speeding, texting, and acting aggressively behind the wheel more than boys. But the survey statistics haven't translated into crash statistics. But if the trend continues, it could result in higher premiums for girls.

"Experience still shows female drivers are safer than boys at this age," Allstate spokesman Raleigh Floyd said. "Until those figures change, our rating isn't going to change."

But even so, the rates have grown a little. Twenty years ago, it cost an average of 50% more to insure a young male than young female. These days it's about 20% to 30% more. "There is still a gap, but it's getting smaller all the time," said Thomas DeFalco, an actuary at the New Jersey Manufacturers Insurance Co.

And Sam Belden, vice president at Insurance.com, said data compiled through the online agency show that premiums for 16-year-old girl drivers have risen about $500 over the last two years, while those for boys in the same age group have been roughly flat.

Most chalk it up to distractions. DVD players, MP3 players, friends in the car...and maybe it boils down to plain boredom. Everyone is in such a hurry.

Kristen Marzano, 17, has had her license for about five months and admitted that sometimes she puts on her makeup or fixes her hair in the car or plays with her MP3 player.

"It's mostly I wait until the last minute to do everything," she said. "If I'm going to drive, I'm running out the door, dropping things. I guess it's just being disorganized."


Check out the statistics from the study below...parents and teens alike, are you one of the numbers?


Click to enlarge


Thank you to Chicago Tribune

Teens Take on the Distracted Driving Course

To help teens understand the dangers of distracted driving, Allstate Insurance brought a group of young drivers (many newly licensed), to a distracted driving course.

Watch the video here on the LasVegasNow.com website to see the distracted teen drivers in action.

Car crashes are the #1 killer of teens. In Las Vegas, more teens have already died behind the wheel this year than all of last year.

Distractions Pose a Huge Threat to Teen Drivers

Car accidents remain the #1 killer of teens in the United States and studies have shown that teens that drive with other teens in the car heighten the risk of a crash.

A survey was conducted with 5000 high school students. This is the information they found:

90% of teens said friends in car distracted the driver

89% of teens said that friends used cell phones while they drove

79% of teens said passengers and/or the driver danced and sang in the vehicle

20% of 9th - 11th graders have been involved in at least one car crash within the last year


Drunk driving campaigns have been effective in teens as most teen crashes are not alcohol related. Now we all need to drive home the fact that distraction is bigger than anything.

Distractions and the Common Teen Driver

It's not just alcohol and the drugs that increase the fatality risks for teen drivers, in fact probably a far more common risk is driving distractions.

Distractions for anyone, even experienced drivers, can be an extremely dangerous thing. But then you add inexperience to the mix and you have a recipe for disaster.

Let's look at some of the most deadly and prevalent distractions facing teen drivers today. First, according to a 2008 statistic 87% of the 6,000 teen drivers that die every year is because of driving with distractions. That pretty much says it all!

What Are The Distractions?
Well a major one is texting and cell phone usage. There are new laws in the State of Washington that ban usage of cell phones while operating a motor vehicle but that alone won't always deter teens from trying to read that ever so important text message.

Another distraction is eating and drinking, trying to pass around a box of cookies or getting a sip of a soda can be as dangerous a distraction as texting.

And other concerns for teen drivers is usage of the radio or CD player in the car, putting on makeup, or flirting with that cute guy or gal walking on the sidewalk. We once heard of a car full of “cute guys” getting the attention of a girl in the vehicle traveling next to them on a major interstate. The distraction was enough to cause an accident but believe it or not, they drove closer and closer to pass a cell phone to the female driver so she could type in her number. Then, they inched closer again (traveling at 60 miles per hour, mind you) so she could pass the phone back. Surprisingly, no one got hurt and no accidents were caused. But it’s just this type of reckless decision making that make teens such dangerous drivers!

Parents are dealing with protecting their young teen drivers by many methods but primarily we are suggesting that parents contact their insurance company for pointers on how to guide their children into becoming safe and responsible drivers. Many companies offer or can refer you to a company that offers GPS tracking devices (we offer Teensurance through Safeco—learn more at www.teensurance.com.) The GPS works by alerting the parent by e-mail, voice delivery, or text to let them know if the teen driver has broken any of the set “agreements” of the parent/teen contract. The agreements include curfew, areas they’re not allowed to drive in, and speed. The GPS is installed in the dash, professionally, and then is updated in real time on a website where parents can log in with a designated username and password.

There are other options beside the GPS but we strongly suggest that you are proactive with your teen driver. Inquire about pertinent literature, take advantage of any safety courses with driving instructors or your insurance company, and most of all, stay in touch and in constant dialog with your teen drivers for safety's sake. It could mean their life.



More questions regarding Teensurance through Safeco? You can e-mail us at info@sav-on.com. We also give discounts.

The Psychology of Teen Driving

Driving excitement.
If you tell your teenage children they can't have teenage passengers, music, night driving, etc., you'll likely hear something like this: "What's the point of even having a license if I can't drive with my friends and listen to music? What's the point if I can't have fun?"

We've all been brainwashed by a lifetime of ads and movies to think that driving should be exhilarating, exciting, and fun-- an emotional experience. Well, it shouldn't be. If it is, you're doing it wrong. (When was the last time you felt exhilarated during your morning commute?) Emotion is what sells cars. But we're really not supposed to drive emotionally. this point gets lost on people, especially teenagers.

Driving should be no more emotional than a bus ride. Getting from point A to B is the objective. Driving is a means of transportation, not entertainment. Discuss this with your children, and at least get them thinking about it. Their emotional level while driving is a good measurement of their driving maturity.

Your kids can monitor this themselves. If they feel they're getting "pumped up" by being behind the wheel, that should be a warning flag to you and to them. Can you eliminate or reduce whatever is creating the emotion-- the music, the friend in the front seat, the type of car?

Overconfidence after 6-12 months of driving.
Among PEMCO policyholders, 16-year-olds have a higher accident rate than adults, but not that much higher. However, at age 17, 18, and 19, we see the rate jump to three times the adult rate. One reason is that teenagers get overconfident. They've driven from home to school to home repeatedly, and they begin to think they've mastered driving.

They haven't. They've only mastered their "regular" trips, where they know every curve, intersection and lane change. That doesn't mean they're good at judging new situations for the first time, especially if it's under difficult conditions (other teens in the car, dark outside, bad weather, etc.). They're still "intermediate" drivers playing in an "advanced" tournament, and they have a long way to go before they can perform at that level.

Overconfidence when driving a different car.
Any car that isn't your child's regular car is potentially a hazard. Your friend's car. Another car in the family. A Sport Utility Vehicle or another vehicle that is bigger, heavier, and takes longer to turn or stop. Sensitize your teenagers to this. They will need to focus harder. The car will handle differently. The dashboard will be different. The light switch and wiper controls might be unfamiliar. There will be a number of distractions they aren't used to.

Speak Up Or Else!

The Speak Up Or Else ad campaign will be starting soon with comedic 30 second commericals airing on safe teen driving.

Their website, www.speakuporelse.com features these 4 commercials, real stories, quick facts, e-cards, and you can even "Sign The Pledge" by filling in your first name and last initial to receive one of these to post on your myspace, facebook, or blog...

The website also features a toolkit for parents and adults to get involved!

Sav-on would like to remind you that we also have a great teen safety program featuring Phil's tragic story. If you would like to have us come out, please contact us at info@sav-on.com or call 206-878-1404.

Student Driver, Be Kind

In Europe, new drivers will put a large noticeable "L" for Learner on their car so that other vehicles can be made aware.

Looking around lately, parents have decided to put "Student Driver, Be Kind" stickers and other sorts of magnets and whatnot. Some driver's education schools will even provide you with these bumper stickers!

But a website called RookieDriver.net has taken the edge off the phrase "student driver" and created fun Rookie Driver stickers, magnets, and removable flags ranging from $7.95 for a sticker to $19.40 for a package deal. You can check out their products by clicking here.

The idea makes sense, it's inexpensive and easy...and the student driver will likely be given some room by the experienced drivers. According to the RookieDriver website:

As adults, we've all experienced moments of irrational and impatient horn honking at “that scatterbrain in front of us” who on closer inspection turns out to be a neighborhood kid. Rookie Driver® products serve as a reminder for experienced drivers to extend courtesy, respect, and patience to Rookie Drivers everywhere.

Read More...

Texting-While-Driving Ban Update

Even though Washington was the first state to pass laws about texing-while-driving it's yet that the law has been really enforced.

Only 2 tickets have been issued in Seattle Municiple Court since the ban took effect January 2008 to September 2008. Statewide, there were 58 citations and 61 warnings during that time which is only a small percentage of the 983,000 traffic stops troopers made total.

According to the Insurance Institute of Highway Safety (IIHS), "Given that crash risk increases substantially with drivers' use of either hand-held or hands-free phones, bans on hand-held cellphones will not eliminate the problem entirely. The problem with laws prohibiting hands-free phones is that they are difficult to enforce."

There are only 4 other states that have followed suit with the texting-while-driving law: Washington, Alaska, Louisiana, Minnesota and New Jersey.

http://seattlepi.nwsource.com/transportation/379545_Texting18.html?source=rss

Q & A

A few frequently asked questions for parents of teen drivers like you...and maybe a couple you hadn't thought about! If you have additional questions, we'd be happy to answer them! Please e-mail us at info@sav-on.com or call one of our 6 locations at 1-888-867-2866.


What should parents consider when insuring teen drivers?

Parents should consider 3 factors when insuring their teen driver. First, they need to do everything they can to prevent their teen from causing an accident. Lack of education and experience are the leading factors in teen driver accidents. Parents need to give their teen as much training and experience behind the wheel as possible to keep them safe and avoid costly tickets and accidents. Second, parents need to make sure they are protected in case their teen causes an accident. Teens are 5 times more likely to cause an accident that can result in a lawsuit than experienced drivers. Good insurance coverage is a must for parents with teen drivers.
Third, parents need an agent that understands how to protect families with teen drivers and how to help them get the right protection at the lowest cost. This agent can find ways to save money while offering coverage that can protect them from lawsuits.

Why are insurance rates high for teen drivers?

Teen drivers are five times more likely to cause accidents than experienced drivers. The cost of these claims are on average 3 times higher as well. Insurance companies know this and have to charge higher rates to cover the higher risk of costly and more frequent accidents.

How can parents reduce the cost of insuring their teen driver?

First, parents need to understand that the rates are highest during the first three years they are licensed and if their teen gets a ticket or causes accidents their rates can triple. If parents do everything they can to make sure their teen drives safely, they will save a small fortune in rate increases due to tickets and accidents. If they have an agent that specializes in protecting families with teen drivers, that agent most likely knows what companies offer the lowest rates and can help them save by increasing deductibles and finding every discount possible, i.e. like a discount for good grades.

What should parents do to make sure they are protected in case their teen causes an accident?

When a parent adds a teen driver to their insurance policy, the chances of them being involved in a lawsuit increases dramatically. Insurance companies will only pay what their liability limit is on their policy. If the accident is serious enough, the parent’s assets are at risk. They will have to pay the difference between the liability limit and the amount awarded by the lawsuit. This is the most critical time when they need an agent that specializes in protecting families with teen drivers. This agent can review their coverage and offer the right liability limits to protect their assets.

How can parents reduce the likelihood of their teen causing an accident?

Education and experience is most important for safe driving. Unfortunately, new drivers are lacking this. It is up to the parent to give them as much structured practice time behind the wheel as needed to learn the most important driving skills and reactions. A home study driving course such as the Safe Teen Driver Guide is an excellent way to give the teen the necessary education and experience. Parents should also consider a GPS Teen Driver Monitoring System to make sure that their teen continues to drive safely while the parent is not in the car.

Many parents consider placing the teen on a separate policy. Is this a good idea?

No, this is not a good idea. As long as the teen is dependent on the parents, (they live in the household or the parent owns the car, even if the child is away at school ), they can be held liable for their teen’s mistakes. When you place a teen on a separate policy, it is very difficult to get adequate coverage for the teen because they are considered “high risk” and most high risk insurance companies will only provide lower limits than what teen drivers need. Since the teen cannot get adequate coverage, the parents can still be sued for their teen’s accidents. It also costs more to insure teens on separate policies. They are charged higher rates since they are insured by companies that insure higher risk drivers. When the teen is on their parents’ policy, they get multi-car discounts and are usually insured by preferred companies with lower rates.

What tools do you offer to parents to help them make their teens safer drivers?

Our agency offers many tools to help parents keep their teen drivers safe. First we have the Safe Teen Driver Guide. This is a 16 step home study driving course that parents can use to give their teens the education and most importantly, the experience they need to drive safely. We also offer a GPS Teen Driver Monitoring System. This system can alert parents when their teen drives at high speeds, after curfew or beyond a specified driving range. It can also allow parents to “check in” on their teen to make sure they are safe. Another tool we offer is the Parent/Teen driver contract to help teens get a clear understanding of the rules set forth to have the privilege to drive. Our website offers other tools such as 101 teen driver safety tips, information on how to get protected at the lowest cost, and much more. Coming soon, we will be offering a “How’s My Driving” bumper sticker and incident reporting service.

How does the GPS Teen Driver Monitoring System work?

This amazing system can give parents peace of mind knowing that their teen is driving safely. It has a small GPS unit that is installed under the dash in the teen driver’s car. This unit is connected to a website that parents can access to set parameters and view the car’s location, speed, and even unlock the car doors if the teen locks his or her keys in the car. Once parameters are set for speed limits, driving distance, and curfew, parents can receive alerts when a teen break these parameters. It can also let parents know by text message, e-mail, or phone call when their teen arrives at a destination, such as arriving at school every day.

Proposed New Teen Safety Program Offered to Parents

The Society of Family Insurance Specialist is working on a project that may make a difference in reducing the dangerous driving that causes most teen driver accidents and fatalities.

Immaturity is attributed to many of the mistakes teens make. Talking on cell phones, distractions in the car, peer pressure to push the limits, and just plain being careless most often leads to accidents.

The project we are proposing and have support to fund sounds like it can help, but we need to know what parents like you think of the program and whether you would consider it worthwhile to participate.

Here's how it will work...

You would get a bumper sticker (11 X 3.5) that is similar to the bumper sticker you often see on commercial vehicles (How's my driving?) and place it on your teen driver's car. There will be a toll-free number and a unique code printed on the sticker.

If your teen drives dangerously, and if someone calls the toll-free number to report, you will be notified of the incident. The person reporting the incident will have to describe the vehicle, time and place, and the code on the bumper sticker. This information will be handled by a third party and will only be disclosed to you by e-mail. The insurance company will never have access to this information.

Most likely, the reports will be minimal but the real benefit is that if your teen driver knows that there is a chance of being reported, the likelihood of making a mistake should be drastically reduced.

So, would you mind taking just a minute to answer 7 questions and let our organization know what you think?

Click Here to Take Our Survey

This survey is completely anonymous. So, please feel free to share your honest thoughts on this program.

Thanks for your time!

Teens Make Music Videos to Promote Safe Holiday Driving

I got a kick out of these "music videos" teens made for safe driving through the holiday season. The top 5 winners (posted on the site) got an all expense paid trip to The Great Mall of America and a chance to win $10,000.

I especially enjoyed the one called "Watch The Road" by jeremyglick as his voice is sort of reminiscent of Neil Diamond.

You can check out the videos by going to holidayholla.keepthedrive.com/videos/


Happy Thanksgiving!

New Technology to Disable Teen Cell Use While Driving

Aegis Mobility Inc. has developed a new software called DriveAssist which would be used to essentially disable teen cell phone use while driving.

The device would block inbound calls and text messages while in motion and would deliver them once motion has ceased with the exception of 911 emergency calls.

Aegis was created with assistance from Dave Teater whose 12 year old son was killed when a 20 year old nanny driving a Hummer rear ended them while talking on her cell phone. Now, his loss may save many others from losing their lives or suffering injury.

DriveAssists is supported by Windows Mobile and Symbian-based phones. There are plans to expand to other wireless networks early next year.

You can find out more by vising Aegis Mobility online at: www.aegismobility.com

National Teen Driver Safety Week is about Awareness

It's National Teen Driver Safety Week, and I feel that it couldn't come at a more appropriate time of the year. The weather is changing and many teens are just getting their license after their summer enrolled driver's education courses have ended...it's a scary and exciting time of year for young drivers and parents alike.

This week is to concentrate on teen driver safety. While we at SAV-ON always try, year round, to drive home the point that sometimes the worst can happen, many parents feel that they trust their teen driver. After all, it is their child. But many of you also know that motor vehicle crashes are the leading cause of death among U.S. teens. In 2005, 12 teens aged 16-19 died every day due to motor vehicle crashes.

The 16 to 19 year-old age group is 4 times more likely to crash than older drivers and statistics do show that they have the highest crash rate. Those especially at risk are

• male drivers; one and half times greater than females in 2005
  
• teens driving with teen passengers; the risk increases with each added teen passenger, especially males
  
• newly licensed teens; crash rates are are extremely high within the first year, especially within the first 6 months of new licensure.
  
  Teen drivers are more likely to underestimate the danger of a situation or recognize hazardous situations (ex. snow, rainfall, etc...). They are more likely to speed and tailgate; male passengers increase the chances of the driver partaking in these dangerous activities. Teens are also the least likely group to wear a seat belt.
  
  Although drinking and driving rates have dropped among young drivers, it still remains a problem that cannot be overlooked. Young drivers with any level of blood alcohol concentration (BAC) run a higher risk of crashing than older drivers. In 2005, 23% of drivers aged 15-20 who died in a motor vehicle crash had a BAC of .08 or higher.
  
  Male drivers between the ages of 15-20 are particularly at risk. In 2005 38% were speeding at the time of crash and 24% had been drinking.
  
  This week is not only to instill safety, but also to spread awareness of the dangers of inexperience, distraction, passengers, cell phone use, even drug and alcohol use. Use this time to talk to your teen...and take advantage of the many resources we have to offer at www.teendriverinsurance.com/sav-on.
  
  
  Thank you to CDC.gov and IIHS.org, and Happy National Teen Driver Safety Week!

National Teen Driver Safety Week Oct 19-25

Congressmen Charlie Dent (R-PA) and Senator Bob Casey (D-PA) passed a resolution establishing every third week in October to be National Teen Driver Safety Week this last year.

Many states have their own planned activities, many year-long, which focus on teen belt use, graduated licensing, and underage drinking. Washington is not on the list, although Sav-on Insurance personally does our part by speaking to young drivers at the A-Team Driving School. To see the complete list click here.

The theme for this years Safety Week is passengers with findings showing that the chances of a fatal crash increase exponentially with each teen passenger. Few teens view their friends as inexperienced drivers and teen passengers tend to act wild or encourage the driver to speed or make other unsafe driving decisions.

Please visit our safe teen driver page at www.teendriverinsurance.com/sav-on for more tips on making your teen a safe driver.

Distractions bigger threat than alcohol for teen drivers

Distractions: a huge factor in teen car accidents. Death: still the leading cause of death of ages 15-19.

Most teen accidents are one car accidents at night and are mostly due to inattention. You may even be surprised to know that alcohol is usually not involved. Passengers also play a large role in driver distraction. In fact, a male passenger almost doubles the death rate in both male and female drivers. A female passenger with a female driver? Somewhat higher, but no change in risk taking. Passengers are clearly a distraction.
Graduated licensing programs have been implemented in almost every U.S. state and have proven to be quite effective. The intermediate driver's license, which restricts night driving and the transport of passengers, has indicated a 60% drop in fatalities and disabling injuries in 16 and 17 year olds.

While the new licensing program may seem pesky-- it's important to follow. And it's also recommended that newly licensed drivers steer clear of other distractions such as cell phone use and loud music.