Distracted Driving Laws and their Impact on Driving Safety

November 22, 2021 by

Distracted driving has become a focal point for debate in recent years. At this point, it is well understood that most accidents are caused by driver error. This rate has been increasing in recent years, as drivers find themselves more distracted.

Distracted Driving

According to Mass.gov, the number of accidents caused by distracted drivers has gone up by one hundred and seventy percent (2014-2016). And that’s just based on Massachusetts statistics. Every state and country is dealing with the same concern.

One federal report indicated that there were 3,142 deaths associated with distracted driving – in 2019 alone. Delving into these stats a little further, young drivers under thirty had a higher percentage than older drivers.

Distracted driving can come in many forms. A driver could be focused on their phone, GPS, music, hundreds of different things. Think back to the last time you were on the road: how often did you see somebody on their phone or a driver without hands on the wheel?

New Laws

In response to the rise of distracted driving, many states have opted to enforce new laws. In America, forty-eight states have passed laws banning texting while driving. In addition, thirty states have banned handheld devices for drivers. 

Some states don’t stop there – twenty-four states have now banned all cellphone use while driving. As with many regulations, these are specific to the state and can have slight variations. Some states have even begun to tackle other forms of distracted driving. For example, New Jersey recently passed Maggie’s Law, a law designed to target drowsy driving.

In many instances, the laws regarding distracted driving tend to be harsher for teen drivers. Having a distracted teen behind the wheel has always been a concern. As such, there are laws already on the books in many states regarding teen distractions. These new initiatives are merely adding to what was already there.

Do They Work?

The real question on everyone’s mind is: do these distracted driving laws work? While no such initiative will be flawless, there is evidence to suggest that these laws impact society.

The University of Alabama Birmingham School of Public Health looked into the impact made by these laws. They found three critical factors. First, enforcement of the laws resulted in fewer fatalities associated with distracted driving. Second, targeting specific populations (IE: teen drivers) was highly effective in terms of reducing the number of deaths among this group. And third, a total ban on phones/handheld devices did effectively reduce accidents resulting in fatalities.

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Car Tech Designed with Seniors in Mind

October 25, 2021 by

Supply and demand go hand in hand. When there’s a need, it is only natural that the market responds by creating an appropriate product. In this case, that means designing a car with seniors in mind.

According to the U.S. Centers for Disease Control (CDC), there are more than forty-five million drivers over the age of sixty-five. This is relevant information, as this number is a significant increase from the years previous. By 2030, it is estimated that there will be another significant increase as Baby Boomers grow older.

All of this means that more people than ever face the ever-growing fear that they will not be able to transport themselves safely at some point in their futures. The ability to drive places is integral for independent living – in some states more than others. Current solutions have proved not to be enough, so it is time to look towards auto manufacturers.

Enhancing Controls

One option that car manufacturers are considering is enhancing the controls already available to drivers. These options include access, visibility, and management. In other words, they’re working to make the cars more comfortable and approachable. While this will undoubtedly help, it is but one side of the solution.

Accident Prevention

These days, many car manufacturers have been working hard at developing collision prevention tech. This tech includes rear and side cameras, automatic crash notifications, blind spot warnings, adaptive headlights, and more. 

Taking it a step further are companies such as Nissan Murano, Mercedes-Benz, and Volvo S60. Their models have an additional feature available to detect when a driver is becoming drowsy and prompt a warning. 

Injury Reduction

Sometimes it isn’t possible to avoid an accident, and that’s where the next round of research has been focused: reducing injuries. The University of Michigan and Wayne State University have been working on reducing injuries seniors receive during car accidents. These studies understand that older bones are more fragile and prone to further damage during a crash. The ultimate goal is to design a car that will help protect passengers as much as possible. 

Emergency Response

AAA makes driving safer for everyone, as they offer immediate response times for broken-down vehicles and accidents. Other companies have followed suit, making it easier to reach out for assistance when on the road.

Self-Driving Cars

While self-driving cars have yet to be perfected, there’s no doubt that they will help seniors once fully available to the public. Realistically, self-driving vehicles will make everyone safer in the long run; this is why companies have been pushing so hard to perfect the technology.

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Are Smarter Cars Making Drivers Worse?

August 12, 2021 by

Who doesn’t love the idea of a smart car? They’re comfortable, convenient, and make our lives easier. Yet there’s a growing concern that the latest generation of cars may just be training people to be worse drivers – and that’s dangerous.

Who can forget the headlines from 2020, when a Tesla user crashed their car because they were too busy watching a movie. While this may be a stand-out example, it does raise a very valid concern. 

The Intention Behind Smart Cars

Smart cars are designed for comfort, yes, but they are also designed for safety. That’s their primary goal. The whole push for self-driving vehicles has less to do with lazy drivers and more to do with eliminating human error.

According to studies, more than ninety percent of car crashes were caused by drivers. In other words, they were caused by human error. Naturally, this explains why car and insurance companies alike would be interested in developing safer tech.

How This Concept Can Backfire

So, given the altruistic intent behind smart cars, how is it possible that the idea is backfiring? It’s simple – people are getting distracted. We are not yet at a point where self-driving cars are easily accessible (or necessarily legal), and that means the current tech out there can create just as much of a distraction as anything.

People get distracted by all of the devices in their cars. They play with the radio, their phone, and now the new shiny tech that comes along for the ride. According to a study run by State Farm, these distractions are making us worse drivers.

Part of the problem stems from the fact that certain drivers rely too much on safety technology. Adaptive cruise control and lane-keep assist tools are being abused so that people can multitask within the car. Until we hit a point where self-driving cars are a given – this is extremely dangerous. The result is a road full of dangerously distracted drivers. Even if these drivers are in the minority, plenty of drivers are still too distracted by their phones. 

The Solution

Like many problems in the automotive industry, the solution comes down to regulation. More and more states are outlawing cell phones in cars – and that is just the first step in the process. Regulating these distractions is unfortunately essential, but that’s not the only step.

The other part of this process is education. Drivers need to be made more aware of the risk they take when doing this – and what it can cost. The automotive industry can get involved in this process by developing technology that discourages phone use and the like, much like the push towards seatbelts. 

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Apps Making Driving Safer

July 15, 2021 by

Every day new technology is made for the express purpose of making people safer. This is especially true in the car industry, where safety is paramount – and the definition is constantly shifting.

Most recently, a new trend has been popping up in the auto industry. There are now dozens of apps out there to help people drive more safely. These apps are great for teenagers and adults alike and are available on multiple platforms. 

SafeDrive

SafeDrive is the perfect app for anyone actively trying to limit their phone usage while driving. SafeDrive is an app that believes phones can be a dangerous distraction in the car and works to reward drivers for keeping their phones away when behind the wheel.

LifeSaver

While LifeSaver is targeted more towards teen drivers (or, more accurately, the parents of teen drivers), this is an app for anyone. LifeSaver combines GPS monitoring with a rewards system similar to that of SafeDrive. Parents can track their teens and help reward them for keeping their phones safely tucked away. 

DriveMode

DriveMode is very similar to the apps mentioned above in that it discourages distracted driving by reducing phone use. DriveMode silences call, alerts, and texts while driving. Additionally, it can send out auto-replies in the meantime, so there is no need to worry about a lack of response on the driver’s part.

Inrix

Inrix doubles as a safety and map app. It learns from users’ driving habits, creating individualized routes that help avoid traffic. The goal is to keep drivers focused on the road and not figure out how to get from A to B.

Mojo

Mojo is another monitoring app, but with a twist. Mojo monitors user driving statistics and rates them according to how safe their driving is. The app allows users to accumulate points, which eventually begin to earn gift cards as physical rewards.

iOnRoad

iOnRoad is an innovative new app that takes full advantage of today’s technology. It uses augmented reality to map out the other cars on the road and will send automatic alerts when your vehicle gets too close to another.

EverDrive

Are you feeling a bit more competitive about safe driving? EverDrive is the perfect app for that. EverDrive rates users on their safe driving by monitoring acceleration, braking, and speed. From there, it provides total scores, which can be shared with the neighborhood.

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Best Practices: Retention & Customer Service

September 23, 2015 by

Running a business largely depends on maintaining and gaining customers each month. For an insurance agency in particular, retaining customers and making sure they are satisfied with their insurance agent will play a major role in deciphering your insurance company from many others. Here are a few ways you can make sure that your customer service is above and beyond so that you can retain customers and grow your business:

First, know your customer. At many insurance agencies, people become numbers and there are very little personal interactions and connections between employees and customers. A good company, regardless of what type of business it caters to, knows the people they are serving – without them, business would plummet. Communication is key when it comes to building relationships with your customers, so be sure your employees are great at effectively communicating. Nobody wants to get help from a computer, so make sure your employees don’t sound like one. Having compassion for customers is the initial step towards great customer service.

Amigo MGA Alan Rasof

Next, your employees should be knowledgeable and know how to answer questions about insurance policies in general and specific to your company. In the event that a question cannot be answered, there should be a protocol for your employee to tell the client that he or she will speak to a manager and will give them know as soon as possible. Make sure a follow-up email or phone call is setup so that the client is not left hanging. Your employees should speak with confidence and be well-educated for their position. If your company does not have a basic annual training program for both new and old employees, that is something that should be implemented right away.

Another aspect of customer service that your company should be up to par with is answering emails and responding to phone call in a timely fashion. No customer should be left in the dark if he or she has a question or is expecting an update of some sort. Be sure that your employees have a 24-48 hour rule when it comes to responding to voicemails and emails – even text messages if everyone has a company cell phone. Being attentive and responding to customers is extremely important for your business, because if you don’t respond the customer is not likely to a) refer you to prospective clients and b) have a good experience with the company, which could lead to negative feedback and may eventually not be a customer anymore. Even if the question seems vague or unimportant, your employees should hop on the phone with the customer and listen to what they have to say.

Amigo MGA, Alan Rasof

In conclusion, if customers are not satisfied with the service you are providing, they will not continue to use your product. Communicating effectively and responding quickly to voicemails, emails, and text messages are great ways to stay in touch and actively engage with your customers so that they will want to stay with your company as long as possible.

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