--- title: "Distracted Driving: A Growing Menace. Insights from the 2024 Travelers Risk Index" description: Distracted driving is surging, posing risks for insurers. Learn about the trends and innovative solutions like Pay How You Drive (PHYD) to mitigate risk. image: https://s.yimg.com/ny/api/res/1.2/79CgO1oPPQKwyBOKCzuk.w--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTU0MDtjZj13ZWJw/https://media.zenfs.com/en/business-wire.com/5a2e9bc9e970bdf320a9f9fd86368181 --- [![IHQ Logo - Banner RIGHT IHQ ONLY](https://blog.insuredhq.com/hs-fs/hubfs/IHQ%20Logo%20-%20Banner%20RIGHT%20IHQ%20ONLY.png?width=473&height=70&name=IHQ%20Logo%20-%20Banner%20RIGHT%20IHQ%20ONLY.png "IHQ Logo - Banner RIGHT IHQ ONLY")](https://www.insuredhq.com/insuredhq-insurance-made-simple) - [PLATFORM](https://www.insuredhq.com/solutions) - [RESOURCES](https://www.insuredhq.com/stories) - [Blog](https://blog.insuredhq.com/blog) - [News](https://www.insuredhq.com/media-pr) - [Use Cases](https://www.insuredhq.com/testimonials) - [Glossary](https://www.insuredhq.com/glossary) - [STORIES](https://www.insuredhq.com/stories) - [Customers](https://www.insuredhq.com/testimonials) - [ABOUT](https://www.insuredhq.com/company) - [Company](https://www.insuredhq.com/company) - [Privacy](https://www.insuredhq.com/privacy-policy) - [Glossary](https://www.insuredhq.com/glossary) - [CONTACT](https://www.insuredhq.com/contact) - [Demo](https://www.insuredhq.com/contact) - [Media Inquiries](https://www.insuredhq.com/en/media_inquiry) - [BOOK A DEMO](https://www.insuredhq.com/contact) [![IHQ Logo - Banner RIGHT IHQ ONLY-1](https://blog.insuredhq.com/hs-fs/hubfs/IHQ%20Logo%20-%20Banner%20RIGHT%20IHQ%20ONLY-1.png?width=473&height=70&name=IHQ%20Logo%20-%20Banner%20RIGHT%20IHQ%20ONLY-1.png "IHQ Logo - Banner RIGHT IHQ ONLY-1")](https://www.insuredhq.com/) - [PLATFORM](https://www.insuredhq.com/solutions) - [RESOURCES](https://www.insuredhq.com/stories) - [Blog](https://blog.insuredhq.com/blog) - [News](https://www.insuredhq.com/media-pr) - [Use Cases](https://www.insuredhq.com/testimonials) - [Glossary](https://www.insuredhq.com/glossary) - [STORIES](https://www.insuredhq.com/stories) - [Customers](https://www.insuredhq.com/testimonials) - [ABOUT](https://www.insuredhq.com/company) - [Company](https://www.insuredhq.com/company) - [Privacy](https://www.insuredhq.com/privacy-policy) - [Glossary](https://www.insuredhq.com/glossary) - [CONTACT](https://www.insuredhq.com/contact) - [Demo](https://www.insuredhq.com/contact) - [Media Inquiries](https://www.insuredhq.com/en/media_inquiry) - [BOOK A DEMO](https://www.insuredhq.com/contact) [![Request a Demo](https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/579587/c54a9440-5c58-4dcf-8f9a-b1500dd0b6ff.png)](https://hubspot-cta-redirect-ap1-prod.s3.amazonaws.com/cta/redirect/579587/c54a9440-5c58-4dcf-8f9a-b1500dd0b6ff) **Menu** [![Request a Demo](https://hubspot-no-cache-ap1-prod.s3.amazonaws.com/cta/default/579587/c54a9440-5c58-4dcf-8f9a-b1500dd0b6ff.png)](https://hubspot-cta-redirect-ap1-prod.s3.amazonaws.com/cta/redirect/579587/c54a9440-5c58-4dcf-8f9a-b1500dd0b6ff) - [Solutions](https://www.insuredhq.com/solutions) - [Company](https://www.insuredhq.com/company) - [Blog](https://blog.insuredhq.com/blog) - [Contact](https://www.insuredhq.com/contact) ![](https://s.yimg.com/ny/api/res/1.2/79CgO1oPPQKwyBOKCzuk.w--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTU0MDtjZj13ZWJw/https://media.zenfs.com/en/business-wire.com/5a2e9bc9e970bdf320a9f9fd86368181) [News](https://blog.insuredhq.com/blog/topic/news) | [insurance software](https://blog.insuredhq.com/blog/topic/insurance-software) | [PHYD](https://blog.insuredhq.com/blog/topic/phyd) | [car insurance](https://blog.insuredhq.com/blog/topic/car-insurance) | [distracted driving](https://blog.insuredhq.com/blog/topic/distracted-driving) | 2 min read # Distracted Driving: A Growing Menace. Insights from the 2024 Travelers Risk Index [![Jon Davies](https://app.hubspot.com/settings/avatar/1519aefee29a33cac98c0bceff42b89c)](https://blog.insuredhq.com/blog/author/jon-davies) Written by [Jon Davies](https://blog.insuredhq.com/blog/author/jon-davies) 19 Apr 2024, 16:04:40 Recent findings from the [US-based 2024 Travelers Risk Index](https://www.youtube.com/watch?v=gRsy1BYXYy4) reveal a concerning recent rise in distracted driving incidents. This trend highlights the importance of insurance carriers having systems in place to accurately assess and respond to the risks this dangerous behavior poses. It also underscores the potential power of innovative insurance models to help combat this concerning trend. ![](https://s.yimg.com/ny/api/res/1.2/79CgO1oPPQKwyBOKCzuk.w--/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTU0MDtjZj13ZWJw/https://media.zenfs.com/en/business-wire.com/5a2e9bc9e970bdf320a9f9fd86368181) Nearly 80% of survey respondents said inattentive driving is more of a problem now than it has been in past years. This comes after a period of decline and now exceeds pre-pandemic levels. These perceptions are backed by National Highway Traffic Safety Administration data, which shows a significant 10.5% rise in traffic fatalities in 2021, with high rates persisting. Distractions such as [texting, using social media, and talking on cell phones](https://www.travelers.com/resources/auto/distracted-driving/distracted-driving-statistics) (even hands-free) have increased significantly. Understandably, this has led to a surge in crashes and near-miss incidents. [![Distracted Driving Resources: Know the Facts](https://asset.trvstatic.com/images/assets/Distracted_Driving_Desktop_Updated.jpg/Zz1hM2ExMjJjODFiM2UxMWVkYmNkYWU2MjFiMjZhZDQ3Zg==?token=eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.eyJzdWIiOlsiYTNhMTIyYzgxYjNlMTFlZGJjZGFlNjIxYjI2YWQ0N2YiXSwiZXhwIjoxNjk0NjE4MjcyfQ.ndH2fxPmLgJfTt3GKWsnO9Oq8MiIZ0qd5p0K_C-3CC0)](https://www.travelers.com/resources/auto/distracted-driving/distracted-driving-statistics) **Industry Concerns On the Rise** Business leaders are also highly concerned about the issue. Many organizations have strengthened their distracted driving policies, including formal communications, signed acknowledgments, disciplinary actions, and restrictions on handheld device usage while driving. These efforts show a need for insurance models beyond traditional risk assessment strategies. Strategies such as encouraging passenger vigilance and offering incentives for safe driving can effectively combat distracted driving. Both measures received strong support, showing a potential pathway toward enhancing driver focus and reducing preventable accidents.  On the Insurance side, Pay How You Drive (PHYD) insurance plans offer a proactive solution to these challenges. By harnessing the power of telematics or smartphone-based technology, PHYD products effectively monitor driving behaviors, encouraging safer habits and more equitable premiums. InsuredHQ is proud to collaborate with forward-thinking partners like [Carpeesh, the first to bring state-of-the-art PHYD solutions to the Australian market](https://www.insuredhq.com/carpeesh-insurance). At [InsuredHQ,](https://www.insuredhq.com) we recognize the substantial risks that distracted driving poses to the insurance industry. Our robust insurance administration platform is designed with adaptability in mind, empowering carriers with the technology and underlying engines to embrace PHYD (and its sibling product Pay As You Drive - PAYD) and effectively manage the risks associated with this escalating challenge. Our solution facilitates in-depth data analysis, sophisticated risk modeling, and the implementation of data-driven strategies that foster safer driving. 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