Previous estimates were largely based on claims data, but Carfax dove into service records to glean the true scope of the problem.

"Here, Estep contends that his accident occurred while he was loading his car with luggage, which was part of a greater mission of returning home to Chesapeake with that luggage," Judge Frank K. Friedman wrote on behalf of the majority. "Simply put, transporting luggage is a valid and expected use of a vehicle, and one cannot transport the baggage without first packing the vehicle."

See how these states rank when it comes to drinking as well as the rate of DUIs and traffic deaths.

Review how active scanning and continuous monitoring can improve the loss ratio for cyber insurance.