Drivers can reduce distracted driving by avoiding multitasking, silencing their phone notifications, pre-programing routes, and minimizing mid-drive interactions with the vehicle's heads up display. Such small behavioral changes can have an outsized impact on attention and safety.

Preparation matters as much as prevention

Just as important as avoiding distraction is being prepared for what happens after an incident. Many drivers are unsure what to do following a crash. In high-stress situations, that uncertainty can delay response times and complicate claims. Encouraging drivers to prepare in advance pays dividends when seconds matter.

Have a plan before you need it. A simple checklist or "cheat sheet" outlining what to do and who to contact can help guide decisions in the moment.
Download and log into key apps. Ensure your auto insurer's app (and, where applicable, your vehicle manufacturer's app) are installed and ready to use.
Familiarize yourself with available tools. Knowing where to report a claim or request assistance reduces panic and confusion during an incident.
Remember it's not just about your driving. Even attentive drivers can be affected by the actions of others on the road, so it's important for all drivers to be prepared for an emergency.

Reducing friction after an incident is just as valuable as preventing one in the first place. For insurers, reinforcing both prevention and preparedness leads to better outcomes and a smoother claims experience for drivers when it matters most.

The operational stakes for insurers

Distracted driving isn't just a safety issue; it's a growing operational and financial challenge. As distraction becomes harder to detect, it complicates how risk is assessed and reshapes what happens downstream when incidents occur.

Special Reports /

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