Activities that take drivers’ attention off the road, including talking or texting on cellphones, eating, talking with passengers, adjusting vehicle controls and other distractions, are a major safety threat. The National Highway Traffic Safety Administration (NHTSA) gauges distracted driving by collecting data on distraction-affected crashes, which focus on distractions that are most likely to result in crashes such as dialing a cellphone, texting or being distracted by another person or an outside event. In 2018, 2,841 people were killed in crashes involving distractions. There were 2,648 distraction-affected fatal crashes, accounting for 8 percent of all fatal crashes in the nation.
There were 401 fatal crashes in 2017 that were reported to have involved the use of cellphones as a distraction. Over the last five years of reporting, cellphones were reported as a distraction for 14 percent of all distracted drivers in fatal crashes. In 2017, 434 people died in fatal crashes that involved the use of cellphones or other cellphone-related activities as distractions.
Laws that prohibit all drivers from holding and using cellphones and other electronic devices while driving can help raise public awareness of the dangers of driving while using these devices and help lower crashes. Laws proscribing the use of cellphones vary from state to state. According to the Insurance Institute for Highway Safety, as of April 2020, talking on a hand-held cellphone while driving is banned in 24 states and the District of Columbia. Virginia’s law becomes effective on January 1, 2021; Arizona will issue warnings until 2021 when it will issue tickets). Text messaging is banned for all drivers in 48 states and the District of Columbia. Laws for novice drivers are even more restrictive: the use of all cellphones by novice drivers is restricted in 38 states and the District of Columbia, and novice drivers are banned from texting in Missouri.
In Georgia, traffic fatalities fell 2.3 percent in 2018 compared with 2017, according to the Georgia Department of Transportation. Injuries and collision claims fell as well, due in part to a law, effective July 2018, that bans Georgia motorists from holding cellphones and other electronic devices. Robert Hartwig, director of the Center for Risk and Uncertainty Management at the University of South Carolina, presented this conclusion before the Georgia House Insurance Committee in February 2019.
In Virginia, IIHS research found that while overall hand-held phone interactions fell between 2014 and 2018, 3.4 percent of drivers in the state were observed manipulating a cellphone, compared to 2.3 percent in 2014. This development indicates that drivers are using their phones in riskier ways. Analysts at the Virginia Tech Transportation Institute found that using hands-free technology allows drivers to make calls and perform other tasks while keeping their hands on the wheel and eyes on the road. They found that drivers who used a hand-held phone increased their crash risk by 2 to 3.5 times, compared to model drivers defined as alert, attentive, and sober.
Teen drivers reported 55 percent fewer hand-held phone conversations in states where hand-held calling bans were in place for all drivers, regardless of age, compared to states that had no bans on hand-held calls. However, universal (all-driver) texting bans did not fully discourage teens from texting while driving, and bans limited to just young drivers were not effective in reducing either hand-held conversations or texting. Even with laws in place, about one-third of teen drivers were still talking on the phone and texting while driving. These findings were reported in a 2018 study that spanned four years from the Center for Injury Research and Policy at Nationwide Children’s Hospital and used data from a national survey to examine the effectiveness of state-level cellphone laws in decreasing teens’ use of cellphones while driving. The researchers were from West Virginia University and the University of Minnesota, and their findings were published in the Journal of Adolescent Health.
For a discussion on state laws banning texting while driving, see Facts and Statistics, Highway Safety, Distracted driving.
NHTSA’s distracted driving webpage, has more information on distracted driving. “It Can Wait”, a public awareness campaign funded by four by wireless carriers, provides resources on the dangers of distracted driving, including “From One Second to the Next”, a film by director Werner Herzog profiling the victims of distracted driving.
Distracted driving, fueled by the proliferation of smart phones is one of the factors contributing to the recent spike in accident claims. Insurers are increasingly partnering with app developers or creating their own apps that curb distracted driving by limiting the drivers ability to use their smartphones while driving.