Driver Behavior

Background on: Marijuana and impaired driving


More states are passing legislation permitting medical and/or recreational marijuana use, which raises concerns about users driving under the influence of marijuana. This piece will discuss:

Distracted driving: Trends, challenges, solutions

Robert P. Hartwig, Ph.D., CPCU, Special Consultant to the I.I.I. provided testimony to Georgia House Distracted Driving Committee.

Please click on the file name below to view the presentations. Once open, you can choose "file" from your menu and then save the PowerPoint presentation to your disk. The presentation also is available in Adobe Acrobat format. The Adobe Acrobat file is smaller and faster to download. However, you do need the appropriate software to view.

You can download Adobe Acrobat Reader, free of charge, from the Adobe website (

Note: Printer fonts may vary by browser and version of Adobe Reader.

Download gahearing-08282017.pptx

Download gahearing-08282017.pdf

Facts + Statistics: Child safety

Causes of death from unintentional injuries among children differ significantly by age. For children under the age of 1 year, the most common cause of death was suffocation in 2015, the most recent year available. For children age 1 to 4 drowning was the most common cause of death followed closely by motor vehicle crashes. Motor vehicle crashes were the leading cause of death for children ages 5 to 9 and 10 to 14.


Facts + Statistics: Alcohol-impaired driving

Alcohol is a major factor in traffic accidents. Based on data from the U.S. Department of Transportation, National Highway Traffic Safety Administration (NHTSA), there was an alcohol-impaired traffic fatality every 50 minutes in 2016.

Background on: Self-driving cars and insurance


Each new generation of cars is equipped with more automated features and crash avoidance technology. Indeed, many of today’s high-end cars and some mid-priced ones already have options, such as blind-spot monitoring, forward-collision warnings and lane-departure warnings. These will be the components of tomorrow’s fully self-driving vehicles.

Since most car crashes are caused by human error, in theory, taking control of the moving vehicle away from the driver is expected to drastically reduce highway fatalities.   

Facts + Statistics: Drowsy driving

Research shows that fatigue is a significant factor in motor vehicle, commercial trucking and rail collisions.

Facts + Statistics: Distracted driving

Activities that take drivers’ attention off the road, including talking or texting on cellphones, eating, conversing with passengers and other distractions, are a major safety threat.

Facts + Statistics: Aggressive driving

Aggressive driving is a major factor in U.S. traffic accidents, playing a role not just in well-publicized incidents of road rage, but in a large number of fatal highway collisions each year. The National Highway Traffic Safety Administration (NTHSA) defines aggressive driving as occurring when "an individual commits a combination of moving traffic offenses so as to endanger other persons or property."

Background on: Older drivers


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

The high fatality rates of this age group reflect the fact that older drivers are more easily injured than younger people and are more apt to have medical complications and die of those injuries.

Background on: Distracted driving


Activities that take drivers’ attention off the road, including talking or texting on mobile devices, eating, conversing with passengers and other distractions, are a major safety threat.

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 using a cellphone when driving is just one of many types of distracted driving that may lead to crashes and near crashes.