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Cellphone Use Is Biggest Cause of Distracted Driving

“Cellphone use by individuals operating a motor vehicle continues to be the largest contributor to distracted driving in the U.S., according to the latest Issues Brief from the Insurance Information Institute (Triple-I). “As drivers returned to the roads following the pandemic, distracted driving surged, causing higher rates of accidents, injuries, and deaths. This high-risk behavior has worsened in the years since, having huge implications for the insurance industry and their policyholders,” stated Dale Porfilio, chief insurance officer, Triple-I. Triple-I’s just-released report, Distracted Driving: State of the Risk, examines the effects of distracted driving and how it is contributing to more hazardous roadways and a higher combined ratio for personal auto insurers.  A combined ratio is the percentage of each premium dollar an insurer spends on claims and expenses. It is a benchmark measure which demonstrates profitability in a particular line of insurance. The U.S. personal auto insurance industry saw its combined ratio soar in 2022 to 112.2, meaning for every dollar the industry cumulatively collected in premiums, insurers paid out approximately $1.12 in claims and expenses.  The rising cost of replacement parts, inflation, and legal system abuse also contributed to this trend.

Cellphone use–which includes dialing, texting, and browsing–were among the most prevalent and highest-risk behaviors found in governmental and private sector studies, Triple-I’s report explained. A total of 2.5 percent of drivers stopped at intersections were talking on hand-held phones at any moment during the day in 2021, according to a 2022 national observational survey from the National Highway Traffic Safety Administration (NHTSA)…”

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