Driver distraction is a leading cause of vehicle accidents. Nearly 80% of vehicle crashes involve driver inattention, according to research conducted by the Virginia Tech Transportation Institute.

Eating and drinking, talking to a fellow passenger, applying makeup, programming a GPS or navigation system, or simply adjusting the radio all qualify as distracted driving. But using a cellphone while behind the wheel is undoubtedly the biggest cause.

According to a study conducted by Cambridge Metrics Telematics (CMT) last year, phone distraction occurred in 52% of trips that resulted in a crash—an unsurprising statistic considering that same study found that 75% of drivers see other drivers on their phones every day.

Joan Woodward, president of the Travelers Institute and executive vice president of public policy for Travelers, has observed a dramatic spike in fatalities on the road as a result of distracted driving in the last couple of years. “That got our attention,” she says.

According to the latest annual Travelers Risk Index, 40% of drivers polled admitted they have been involved in an accident or almost caused an accident because of their own distracted driving. “Those numbers are self-reported, of course,” Woodward says. “But people are saying that they’re doing this more and more.”

And the increase is making everyone nervous: 63% of drivers are more afraid of distracted drivers than drunk drivers, according to the CMT study.

Because of national education campaigns and law enforcement, drunk driving is both socially stigmatized and punishable with hefty fines, disqualification and imprisonment. In 2018, however, the same cannot be said about distracted driving.

According to Sam Madden, chief scientist, CMT, there is no doubt about the source of the first rise in road fatalities the insurance industry has noticed in a long time. “We see alcohol-related deaths are down, the educational campaigns around alcohol are working, and yet the number of fatalities is going up for the first time,” he says. “We certainly believe that’s a result of distracted driving.”

Penalties for distracted driving vary by state. Most levy fines under $400, while five states do not have any laws against it at all. And if law enforcement isn’t going to put the brakes on distracted driving, “the insurance industry really should be at the forefront of raising this as an issue,” Woodward says.

April is Distracted Driving Awareness Month, which makes now an ideal time to bring up the issue in conversation with your clients. Here are three ways that the insurance industry can kick distracted driving to the curb:

Education. Few drivers are aware that texting while driving at 55 mph is the equivalent of driving the length of a football field with your eyes closed. In an effort to change people’s attitudes about the dangers of distracted driving, the Travelers Institute® Every Second Matters initiative provides statistics, conversations starters and quizzes that insurance professionals can share with their clients.

“Our campaign is focused on the social norm—to change people’s awareness and to say that this really is not OK,” says Woodward. “It’s just not OK to text your way all the way to work or always be on the phone while you’re in the car.”

“This is not a problem that is just going to go away on its own,” Madden agrees. “As a society, we just have to accept that it is not OK for thousands of young people to die every year because of smartphones. We have to make people aware of it.”

Technology. Paradoxically, on the same device that facilitates most distracted driving, apps are becoming available that help drivers educate themselves about the amount of time they spend distracted when they’re behind the wheel—data which insurers can also incorporate into rating tools.

CMT’s DriveWell app does exactly that. “When you put this app in peoples’ hands, it makes them realize that they actually are engaging in distracted driving,” Madden says. “Results show that within a couple weeks, people reduce distracted driving behavior by 30% or more on average.”

“We have many small independent agencies that are offering a smartphone telematics program through us that is branded through their agency,” Madden adds. “It’s not always about moralizing with your customer—it’s about saying, ‘Did you know that if you’re a good driver, you can actually save money on your insurance?’”

Employers. One of the most common reasons drivers use their cellphones while driving is due to work. According to Travelers, 43% of employed American adults who drive admit to making work-related communications such as emails and calls while driving. And 27% say their boss has called or texted them even though they knew they were driving.

In a survey of Travelers’ customers, only 27% of commercial clients reported having a formal policy on distracted driving that was strictly enforced.

“We’re urging all our commercial lines clients to have a very strict policy in place for their employees about distracted driving—not only to have it, but to put it into practice,” Woodward says. “That’s really the key to curbing some of these commercial auto losses.”

Will Jones is IA assistant editor.

County Wide Insurance Agency is located in Dexter Missouri . We provide personal insurance packages for car insurance , homeowners insurance and more. Businesses throughout Arkansas and Missouri also rely on us for complete commercial insurance needs, whether you need a Business Owners Policy , agricultural insurance , commercial auto insurance or a customized package incorporating many difference coverage options.

As an independent insurance agency, we will shop around with several carriers to get you the most affordable rates. Not sure what you need? That is what we are here for. We will assess your risks and offer you a variety of products to choose from. Service, whether it is in response to an insurance claim or general question, is the most important value we offer you.

Officials with Kentucky Transportation Cabinet said the U.S. 51 Ohio (Cairo) River Bridge between Wickliffe, Kentucky and Cairo, Illinois is now open after it closed on Friday, March 2 due to flooding.

KY highway personnel spent much of the yesterday clearing drift and checking the levee and roadway for possible damage caused by the floodwaters.

The bridge is an important corridor for commerce between Kentucky, Illinois, and nearby Missouri. The US 51 Ohio River “ Cairo” Bridge carries north-south traffic between Illinois, Kentucky and Tennessee on US 51. It also carries east-west traffic on US 60 and US 62 between Kentucky, Illinois and Missouri.

More than 4,700 vehicles cross the bridge between Wickliffe, KY, and Cairo, IL, on an average day.

Motorists Reminded to Buckle Up and Arrive Alive

Dexter, Missouri - Dexter Police Department ticketed 6 motorists during the February 15 Click It or Ticket mobilization. Law enforcement agencies throughout Missouri participated in this statewide effort to get more motorists to buckle up — and save more lives. 

Despite evidence proving the benefits of wearing a seat belt, nearly one in five Missouri motorists are still not making it click. Even more concerning, six out of ten Missourians killed in traffic crashes are unbuckled. 

“Seat belts are your single best defense in a crash,” stated Chief Stone.  “We will continue to encourage drivers to make a simple, smart choice to buckle up and Arrive Alive.” 

For more information on Missouri’s seat belt use, visit ww.saveMOlives.com. Buckle Up and Arrive Alive.

From the Dexter Police Department: We need your help!

The white male in these pictures is the suspect in a strong arm robbery that occurred at Break Time Convenience Store on February 14th, 2018 around 10:42pm. The unknown man fled the scene on foot with an undisclosed amount of cash.

"We realize these aren't the quality of photos that we would like to have, but if you recognize this individual, please contact Detective Sergeant Cory Mills at 573-624-5512 or email: cory.mills@dexterpd.com"