Triple-I Blog | Phone Restrictions Cut Damage; Telematics Can Help Reduce Distracted Driving

Max Dorfman, Research Writer, Triple-I

State restrictions on cell phone use while driving are linked to fewer accidents, according to recent research and Insurance Institute for High Safety (IIHS). However, all results were mixed between the countries studied, with different legal languages, levels of enforcement, and severity of penalties, providing possible explanations for the different results.

The study looked at changes in accidents in California, Oregon, and Washington after the ban on calling and texting while driving was implemented in 2017, the study looked at all the numbers from 2015 to 2019. .

Specifically, the study found:

  • Reduction by 7.6 percent of the monthly loss of all problems related to the prices of the sovereign countries;
  • Legislative changes in Oregon and Washington were associated with significant reductions of 8.8 percent and 10.9 percent, respectively;
  • California has not had any changes in rear-end rear-end collisions or injuries related to the proposed law.

However, governments face several obstacles in their efforts to prevent accidents caused by the use of mobile phones.

“Technology is moving faster than law,” said Ian Reagan, senior research scientist at the IIHS. “Our findings suggest that some states may benefit from implementing laws banning cell phone use while driving, but more research is needed to determine which combination of sentences and penalties work best.”

Distracted driving remains a serious problem

Distracted driving remains a major problem on the nation’s roads. Indeed, distracted driving increased by more than 30 percent from February 2020 to February 2022, largely due to changes in driving habits caused by the coronavirus pandemic, according to a study by telematics service provider Cambridge Mobile Telematics.

Governors Highway Safety Association (GHSA) report that more than 3,100 people died in accidents related to distractions in 2020, and about 400,000 people are injured every year in such accidents. The actual numbers, according to the study, are much higher due to under-reporting. The report also found that cell calling, cell texting, and cell browsing were among the most common and most vulnerable behaviors.

Telematics can help

Telematics, which uses mobile technology to track driving behavior and provide incentives to drive slower and more carefully, can help reduce dangerous driving. The more successful consumers are with incentives, the lower their insurance premiums.

Research from Insurance Research Council – as Triple-I, a non-profit partner The Institutes, focusing on this subject, studying the human perception and use of telematics. The study found that 45 percent of drivers surveyed said they had made a significant safety-related change in the way they drove after participating in a telematics program. Another 35 percent said they made some changes in the way they drive.

During this pandemic, the comfort of insurance buyers and the idea of ​​letting their driving be monitored in order to get better money seems to be working well. In May 2019, data analysis and analytics company Arity surveyed 875 licensed drivers over the age of 18 to find out how open they would be to changing their finances using telematics. Between 30 and 40 percent said they would be very comfortable or comfortable sharing this information. In May 2020, they ran the survey again with more than 1,000 licensed drivers.

“At this time,” said Arity, “about 50 percent of drivers were comfortable with having their insurance cost based on the number of miles they drive, where they drive, and what time of day they drive, as well as the distraction of the car and the speed.” “