What is telematics?

Overview

Distracted driving remains a major roadway safety threat, involving behaviors such as talking or texting on mobile devices, eating, conversing with passengers, and other diversions while operating a vehicle.

The use of mobile phones and other electronic devices while driving has emerged as one of the leading causes of distracted driving related crashes. However, research shows that many types of distracted driving may lead to crashes and near crashes.

How big is the distracted driving problem?

Overview

Virtually all states require drivers to have auto liability insurance before they can legally drive a motor vehicle. Liability insurance pays the other driver’s medical, vehicle repair and other costs when the policyholder is at fault in an accident. State laws set the minimum amounts of insurance or other financial security that drivers must pay for the harm caused by their negligence if an accident occurs. The public generally supports compulsory auto insurance and wants these laws enforced.

Overview

No-fault auto insurance laws require every driver to file a claim with their own insurance company after an accident, regardless of who was at fault. In states with no-fault laws, all drivers are required to purchase personal injury protection (PIP), as part of their auto insurance policies.

In its strictest form, the term no-fault applies only to state laws that both provide for the payment of no-fault first-party benefits and restrict the right to sue, the so-called “limited tort” option.

Overview

Overview

Motor vehicle crashes are the second leading cause of death among teens, according to the U.S. Centers for Disease Control.  Immaturity and lack of driving experience are the two main factors leading to the high crash rate among young people ages 15-19. Teens’ lack of experience affects their recognition of and response to hazardous situations and results in dangerous practices such as speeding and tailgating.

Overview

Older drivers are keeping their licenses longer and driving more miles than ever before.

Overview

Motorcyclists are more vulnerable on the road and are more likely to be injured or killed than car occupants, with a 2019 data comparison showing 29 times more fatalities. Data from that year also indicates that older riders appear to sustain more serious injuries than younger riders, as riders over 50 account for 37 percent of all deaths.