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

Texting Ban Leaves Teens Frustrated and Targeted

New texting-while-driving laws in North Carolina, which went into effect December 1st, have some teens frustrated and feeling targeted.

The North Carolina newspaper, DailyAdvance, speaks with one girl about her texting habits. She admits to sending about 200 per day and texting while driving. But she's not the only one. The Pew Research Center released a study this month revealing that 1-in-4 American teens has sent a text message while driving.

19 states have jumped on board with the text-while-driving ban, but NC teens are feeling targeted.

Shanequa Riddick, 18, says she’s glad that law enforcement will be cracking down, but that text messaging has become a nationwide phenomenon, one that is catching on with all age groups.

“I think (the ban is) fair, because it could cause you to have an accident, but even older people do it,” Riddick says.

Kieshaih Holloway, 19, calls the focus on teen drivers “frustrating.”

“They say we have more problems with accidents and problems in the road. We’re just now learning (how to be safe drivers), but the whole texting thing (adults) make it just as big of a risk as we do,” Holloway says.

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.

PEMCO: Texting While Driving Rate Up

PEMCO Insurance issued a news release, August 25, that reveals more Washingtonians are texting while driving. The PEMCO Insurance Northwest Poll, conducted by FBK Research, shows that of those who use electronic devices, more of them – 18% – admit to reading or sending text messages while driving than in February 2008, when only 6% said they did so. Ironically, the same poll found that increasing numbers of drivers are concerned that texting while driving is a dangerous distraction.

Under Your Influence, a website dedicated to parents of teen drivers maintains the following:

They'd probably never tell you this but your teen really does look up to you. Under the layers of music, school activities, problems with friends, rebellion, struggles, and joys is your teen, and they need you to guide them in what they should and should not do. It's pretty clear that car crashes are the number one cause of death among teens, and if we all just ignore the problem, it's not going to go away.

Moral of the story? Monkey see, monkey do. It's still dangerous for you, even as a parent, to be texting while driving. It's even worse to do it in front of your teen.


Under Your Influence also gives these practice tips on driving with your teen:

1. Don't be pushy
2. You are in control
3. Set some basic ground rules
4. Pack your patience
5. Don't talk down to your teen while you're teaching them how to drive
6. Be sure to give specific praise to your teen while they drive
7. Set a specific agenda for each time you take your teen out to practice
8. Keep your conversations focused on driving
9. Set a time limit that both you and your teen can agree on
10. Keep a driving log while you practice
11. Don't stop talking to your teen after they get their license