Telemetric data gathered by Nationwide has just proven what most Coloradoans already know: their state has some of the nation’s worst drivers.
Colorado drivers are more likely to suddenly speed up, Nationwide Vice President Larry Thursby told The Denver Post. Nationwide examined the habits of three million people across the country; who have had its telemetric devices on their vehicles.
A telemetric device is a small wireless gadget that monitors some driving habits and sends data back to an insurance company. Among other things telemetrics monitor braking habits and night driving. Research indicates that people who drive at night are more likely to get into accidents.
Bad Driving Exposed by Technology
Some lowlights of Nationwide’s findings about driving habits include:
- Aggressive driving is most likely to occur during Thursday morning commutes.
- Bad driving is more likely to occur on Sundays.
- Colorado, New York, Arizona, Washington D.C. and Pennsylvania drivers are among the nation’s most dangerous.
Nationwide is not the only company that found bad driving in Colorado. Allstate found that driver’s in the Centennial State were 20 times more likely to “hard brake” than those in other cities.
Lousy Driving Might not Raise Insurance Rates
Interestingly enough the growing level of bad driving in Colorado might not affect insurance rates. Rates may not go up because biggest the factor in determining insurance premiums is state law – not driving habits.
The nation’s most expensive insurance is in Detroit where Michigan’s bizarre no-fault auto coverage keeps rates sky high. One problem there is that no-fault keeps insurers from charging lousy drivers more and makes everybody pay for their dangerous habits. Another is a state law requiring drivers to provide medical care for injured people.
Fortunately Colorado abolished its no-fault insurance system years ago. That means companies like Nationwide can charge bad drivers more and give good drivers a break.
Although rates are likely to start going up if the amount of bad driving keeps increasing. A major problem is that bad driving leads to more injuries, which increases expenses because healthcare costs keep rising.
One obvious solution to this problem is single-payer health insurance, which would have to be implanted on a federal level. Single payer controls healthcare costs by giving government the power to keep prices lower. Until then the people of Colorado and the nation will have to put up with ever-rising insurance rates.