It would be nice to dream, but impaired driving will always be the single biggest issue that property & casualty insurers have to deal with regarding their policyholders, but other challenges keep coming our way. In the last decade, as text messaging and social media have blossomed as communication skills for people under the age of 30, distracted driving is taking its place just behind alcohol as the biggest challenge facing law enforcement and personal auto insurers.
It used to be that when a bad accident occurred, particularly with a teenager involved, observers would jump to the conclusion that somehow the teenager got his or her hands on some alcohol. Today, though—for teenagers at least—distracted driving is looked to first as the biggest culprit.
Parents can swear up and down that their children know better than to text or use social media tools such as Twitter or Facebook while driving, but as we all know one simple truth: Kids lie to their parents. Yes, it's true and if you don't believe me, take a trip down memory lane back to recall your own days as a teenager—the real stories, please, not the ones that you have edited for your children's sake or because of embarrassment.
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