Committees Active on This Topic

NAIC Articles/Studies

Cellphone Laws and Rear-End Accidents 
Journal of Insurance Regulation, Vol. 35, No. 1

Additional Resources

Driver Electronic Device Use in 2015 
September 2016, National Highway Traffic Safety Administration

Distracted Driving - Cellphones and Texting 
Insurance Institute for Highway Safety

Distracted Driving 
National Highway Traffic Safety Administration

Distracted Driving 
Centers for Disease Control and Prevention

State Distracted Driving Laws 
Governors Highway Safety Association

Distracted Driving at Work 
National Institute for Occupational Safety and Health

Distracted Driving for Employers 
National Safety Council

Distracted Driving 
Occupational Safety and Health Administration

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NAIC Center for Insurance Policy and Research (CIPR)

CIPR Homepage

Distracted Driving

Last Updated 8/29/17

Issue: Distracted driving has been an issue since the invention of the automobile, but with advancements in technology, it is now an epidemic in the United States. Although the use of technology is the most familiar form of distraction behind the wheel, distracted driving is operating a vehicle while doing anything else such as looking after children or pets, eating, reading, applying makeup, or playing with the radio. In other words, distracted driving involves anything that diverts attention from the road.

With advancements in mobile technology and increasing reliance on and heavy use of smart phones, distracted driving is intensifying. The National Highway Traffic Safety Administration found that fatalities from distraction-affected crashes increased by nearly 9% from 2014 to 2015. 3,477 people were killed and 391,000 injured in distracted driving accidents in 2015 alone, making it the highest year for distracted driving fatalities on record. In addition to the tragedy of distracted driving fatalities, the increase in accidents equates to higher insurance costs. The higher the accident rate, the more claims insurers have to pay. Insurers in turn transfer these costs to customers in the form of higher premiums, often based on information about traffic violations and accidents from driving records. Nationally, auto insurance premiums have increased 16% since 2011, correlating with the increase in distracted driving accidents.

Status: Many states have already taken action to stop distracted driving. According to the Governors Highway Safety Association, 47 states ban text messaging for drivers. 38 states ban all cell phone use by novice drivers while 15 prohibit all drivers from using hand-held devices while driving. Beginning in 2017, Texas requires all new drivers over the age of 18 to a course on distracted driving supplied by the Texas Department of Public Safety.
To raise awareness of this issue, the Kansas Insurance Department partnered with universities across the state to advocate for safe driving with their “Don’t Text #JustDrive” campaign in 2016. Missouri and South Carolina launched similar initiatives in 2017.

Additionally, for companies whose employees drive as part of their regular duties, distracted driving can be an extra liability to consider. According to the National Safety Council, many companies have been found liable for millions of dollars when their employees have caused distracted driving accidents while on the clock. To reduce these liabilities, employers may consider adopting cell phone policies or installing apps to block the use of company devices while driving.