Car Crashes a Leading Cause of High-Cost Claims

• While the frequency of truck fatalities is now very similar to the frequency of passenger vehicle fatalities, the frequency of non-fatal injuries is higher for passenger vehicles.
• Motor vehicle accidents are more likely to result in multiple claims, and claims costs are higher for claims from multiple-claim events.
• Motor vehicle accident claims are more severe than the average workers’ compensation claim.
• Vehicle accidents affect a wide range of occupations, not just truckers.
• Neck injuries are among the top diagnoses.
• The duration of motor vehicle accident workers’ comp claims is more than a third longer than the average claim.
• There is a significant amount of subrogation in workers’ comp traffic accident claims, with such claims accounting for more than half of all claims with subrogation.
• Motor vehicle claims are three times as likely to involve a claimant attorney compared with other claims.
• Distracted driving is a leading cause of accidents and close calls.

• Wear a seat belt at all times – driver and passenger(s).
• Be well-rested before driving.
• Avoid taking medications that make you drowsy.
• Adhere to the number of miles that can be driven safely daily.
• Do not use a cell phone while driving, unless you are wearing a hands-free device. Do not send text messages.
• Avoid distractions, such as adjusting the radio, eating or drinking.
• Continually scan the road for situations requiring quick action.
• Stop about every two hours for a break. Get out of the vehicle to stretch, take a walk, and get refreshed.
• Keep your cool in traffic!
• Be patient and courteous to other drivers.
• Do not take other drivers’ actions personally.
• Reduce your stress by planning your route ahead of time (bring maps and directions), allowing plenty of travel time, and avoiding crowded roadways and busy driving times.

Source: Occupational Safety and Health Administration.