Survey Shows Support in Banning Texting While Driving

Data suggests legislation alone will not solve the problem

Columbus, Ohio — Nationwide Insurance today released the results of its new On Your Side® survey, which found that 8 in 10 Americans surveyed this month say they would support legislation restricting cell phone use while driving. The survey, conducted Aug. 5-9, 2009, by Harris Interactive, reports that 80 percent of Americans favor a ban on texting while driving, while two thirds favor a ban on cell phone calls, and more than half say they would support a ban on cell phone use altogether. Earlier this summer, Nationwide announced its support of the concept of a national ban on texting while driving to help curb crashes and reduce auto insurance claims.

The survey results are being announced as hundreds of highway traffic safety advocates and officials are convening at the Governors Highway Safety Association’s annual conference in Savannah, Ga., to discuss driving while distracted (DWD) and other highway safety issues. This meeting is taking place in advance of a presidential summit on DWD that is scheduled for Sept. 30 and Oct. 1 in Washington, DC.

“In recent months, the debate about the dangers of DWD has intensified as more and more states consider taking legislative action,” said Bill Windsor, Nationwide’s Safety Officer. “The survey results confirm that there is strong public support for banning texting while driving. It also provides insight into support for additional restrictions policymakers may want to consider.”

Public support for DWD legislation
The results of the new survey show there are varying degrees of support for different types of restrictions. Overall, the survey found that 8 in 10 drivers support some type of cell phone usage restriction.

The majority of respondents say they are supportive of laws restricting any type of cell phone use while driving.

80 percent of respondents support a ban on text messaging while driving.

80 percent of respondents support a ban on e-mailing while driving.

Two thirds (67 percent) of respondents say they are supportive of laws restricting phone calls while driving.

Of those who support some type of cell phone usage restriction, nearly 3 in 4 believe the law should apply to all drivers, not just specific groups.

Regional differences
In geographic regions where one would expect to find higher cell phone usage and more multitasking lifestyles, support for a ban was high. The majority of respondents in the west and northeast regions say they would support a ban on any type of cell phone use while driving.

Generational differences
While it’s not surprising that older generations are supportive of bans, even members of Generations X (ages 33-44) and Y (ages 21-32), who are more likely to use cell phones, are supportive of laws – particularly those banning text messaging and e-mailing. Three fourths of Generation X and Y respondents favor these restrictions.

The overwhelming support for legislation may be driven by increased public recognition of the dangers associated with DWD. In 2008, Nationwide’s DWD survey revealed that 45 percent of respondents had been hit or nearly hit by another driver using a cell phone.

Need for education
According to the survey released today, respondents say they are witnessing a growth in distracted driving behavior on the roads, underscoring the importance of public education to raise awareness about this dangerous practice.

More than half of respondents say they see more drivers using cell phones while driving than they did 12 months ago.

Nearly three-quarters of respondents say that when they drive, they always or often see other drivers using cell phones.

The importance of technology
“The new information in this survey also indicates that many drivers are either in denial about their DWD habits or resistant to changing their behavior,” said Windsor. “This suggests that legislation may not be enough to eliminate distracted driving and highlights the need for a technological solution that can prevent cell phone usage in moving vehicles while still allowing people to stay connected.”

Drivers in denial
Nearly half (49 percent) of drivers say a law restricting use of cell phones would not change their behavior because they don’t currently use cell phones while driving.

When you compare this statistic to Nationwide’s 2008 DWD survey, which revealed that more than 80 percent of drivers admit to talking on their cell phone while driving, it may be the case that some drivers are either in denial or too embarrassed to admit their DWD problem.

Resistance to new laws
In the new survey, four out of five respondents (82 percent) who admit to using their cell phones while driving say their behavior would change if cell phone usage were restricted by law.

However, 18 percent of respondents who admit to using their cell phones while driving say they would continue to do so regardless of a change in law, with Generation Y most likely to resist the change (26 percent).

Further evidence that a technological solution is needed comes from Nationwide’s 2008 DWD survey. This study found that 43 percent of drivers believe technological advances that prevent cell phones from working in a moving vehicle would be the most effective solution to DWD.

Nationwide’s commitment to reducing DWD
Nationwide is committed to helping customers protect what matters most and that is why the company recently stated its support of the concept of a national ban on texting while driving. In addition to saving lives, fewer DWD related crashes could also result in lower insurance costs for consumers.

“DWD impacts all of us in one form or another and Nationwide will continue to raise public awareness about this important issue,” said Windsor. “By working closely with legislators, public safety officials and other key stakeholders we can arrive at real-world solutions to this problem and help make the roads a safer place.”

Survey methodology
This survey was conducted by Harris Interactive via its National QuorumSM telephone omnibus service. This study was conducted by telephone within the United States between Aug. 5-9, 2009 among a nationwide cross section of 1,008 adults (aged 18 and over). Figures for age, sex, race, and region were weighted where necessary to bring them into line with their actual proportions in the population. The results for the overall sample have a sampling error of +/-3 percentage points at a 95 percent certainty.

New Laws Protect Tenants Against Forclosed Homes

Tenants across the country are being forced to leave the homes they rent due to foreclosure.

According to the Seattle Times, "The number of foreclosures on all types of houses in the state is up nearly 50 percent from a year ago and rising, driven by unemployment and a weak housing market." A national group estimates that a whopping 40% of these foreclosed homes are rented.

But new state and federal laws are to be enacted to protect tenants who find themselves in this situation.

Prior to the new law, tenants who were told they had to move due to foreclosure had just 20 days after the sale to move out-- however many moved in just a few days in fear of losing their possessions. And what's more is that the owner was not required to provide notice before they filed an eviction lawsuit.

The new federal law which went into effect May 20th requires tenants to continue to pay rent until 90 days after the sale of the foreclosed home or until the end of their existing lease, whichever is longer.

The new state law which goes into effect July 26th doesn't require tenants to pay rent to the new owner, does not require the owner to honor the existing lease, and tenants must move out within 60 days of being notified of the sale.

Although generally, federal law trumps state law. But experts say in cases where the laws conflict, the provision that provides tenants the greatest protection should apply.

A total of 23,705 homes foreclosed in Washington State in 2007, up 27.95% from 2006.

Bad Economy Causing Many to Drop Insurance

With the economy at it's worst since the depression (and some speculating worse), many people are trying to cut back costs in their lives...some by dropping their auto insurance.

According to the Wall Street Journal, a study by the Insurance Research Counsil shows that several hundred thousand drivers dropped their insurance in the past year alone as the unemployment rate increased.

The Bureau of Labor Statistics' most recent update on our economic situation shows that unemployment rose to 7.2% in December-- up from 6.8%. And in December alone, payroll employment fell 524,000.

What can YOU do?
If you don't have insurance, get insurance. And we ALWAYS recommend Underinsured Motorist Coverage. This covers you in a hit and run or, more importantly these days, if the person that hit you does not have enough insurance or doesn't carry any insurance. It usually costs as little as $15-$20 a month but worth so much more than that if an uninsured driver hits you. What would you do if there's no one to pay? That's where underinsured motorist coverage comes in.

Theft also seems to be a rising issue. By carrying comprehensive coverage, your vehicle will be covered (less the deductible) for things like theft, vandalism, or if, say, a tree falls on the vehicle. The costs depends on your carrier, what deductible you choose, and what type of vehicle you drive most but times it can be quite inexpensive.

Please note, however, that comprehensive coverage only covers your vehicle for stock parts. Have an after-market stereo system? Rims? Paint job? Hold onto your receipts and invest in "Special Equipment Coverage".


Would you like a Quik Quote? Our rates may be better than you think! We shop from over 30 different companies to find you the best rate. We can insure you whether you fall into the "Preferred" market or if you have tickets, accidents, no credit, poor credit, or require an SR-22. Call us at 1-888-867-2866 OR visit us online at www.sav-on.com.


Thank you to: Auto Loan Daily and Bureau of Labor Statistics.

Cell Phone Use Polls

PEMCO Insurance Company released some information today regarding the new cell phone laws.

Findings show that before the law went into effect 60% of respondents said that talking on a cell phone while driving should be a primary offense. Three months have passed and this number has dropped to 50%. At this time it is a secondary offense-- which means you must be violating another law (i.e. speeding, tailgating, running a red light, etc...) before being charged with the cell phone law.

The study was conducted in September by FBK Research.

You can see how your answers stack up with the research by going to http://survey.pemco.com