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DID YOU KNOW? Texting While Driving Deaths On The Rise

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Drunk driving is down by 65 percent since 1982, but deaths and injuries caused by distracted driving – like texting while driving – are on the rise. People are busier than ever, juggling home and work lives, managing kids' schedules and rushing from one thing to the next. It is no wonder that people use their time in the car to navigate their day -- making appointments, responding to email, returning a text -- when instead they should just navigate the road.

This wasn't always the most prevalent problem on the road. Alcohol was.

According to the National Institutes of Health, in the mid-1970s, alcohol was:

  • a factor in over 60 percent of traffic fatalities
  • involved in two-thirds of traffic deaths among persons 16 to 20
  • allowed to be purchased by anyone 18-years old.

Since then, a number of factors have been implemented to reduce drunk driving fatalities. Some of those reasons include:

  • the drinking age is now 21 in all 50 states.
  • The level at which a person can be arrested for drunk driving has dropped from a 0.10% blood alcohol content (BAC) to 0.08%
  • a zero tolerance law of 0% BAC for underage drinking have been adopted.
  • drunk driving has been stigmatized
  • the use of designated driving has been promoted.

 

According to Responsibility.org, these efforts have reduced alcohol-impaired driving fatalties by 65% since record keeping began in 1982.

But with the onslaught of cell-phone use -- over 330 billion Americans use one daily -- the statistics for distracted driving are going in the other direction.

According to the Centers for Disease Control, approximately 9 people are killed and 1,100 people are injured per day due to distracted driving and these statistics don’t include near-misses where an accident was avoided at the last second.

A number of years ago, Car and Driver magazine conducted a test that measured the reaction time of a drunk driver compared to a texting driver. The texting drivers took significantly longer to react to an alert than drivers who were legally drunk, yet texting and driving continues virtually unabated.

Despite these statistics, legal deterrents for distracted driving lag far behind those that have been implemented for drunk driving. In Illinois, the average fine for texting and driving is $75 for a first offense and little or no change in your insurance premium with most insurance companies.  Contrast this with a first-offense DUI in Illinois – A one-year suspension of your driver’s license, a fine of up to $2,500 (not counting attorney fees), and up to one year in jail.  From an insurance standpoint, a DUI may also result in non-renewal of your auto insurance, or astronomical increases in your premium combined with coverage restrictions or eliminations for up to seven years.

In order to fill this void, the insurance industry needs to get tougher on distracted driving. Awareness campaigns are a good first step, but meaningful financial penalties need to be implemented as a deterrent. Perhaps tripling a policyholder’s collision deductible for a distracted driving claim would work because it would have an immediate financial impact at the time of loss.

Have questions about your home and auto insurance coverage and want to make sure you are covered if a texting while driving accident occurs? David Miller has answers. Miller, who writes the monthly Did You Know blog, is The Plexus Groupe’s Vice President, Client Executive for Private Client Solutions. Miller can be reached by calling 846-307-6141.

Plexus Hires Christa Oldham as Vice President, Client Executive in Employee Benefits

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CHICAGO -- The Plexus Groupe hires Christa Oldham as Vice President, Client Executive in Employee Benefits. She will be based out of the national insurance brokerage and risk management consultancy firm's Chicago office. Christa brings nearly two decades of employee benefits consulting and brokerage success to The Plexus Groupe. The Plexus Groupe hires Christa Oldham because she has executed numerous high-level benefits initiatives. She has expertise creating, developing, and deploying strategies that positively impact clients and their employees. She will be responsible for personally managing a portfolio of clients.

“The Plexus Groupe hires Christa Oldham to fill a niche area with her strengths,” said John Dwyer, Plexus Senior Vice President. “Her impressive scope of experience and ability to build client relationships makes her a great addition to our firm. She will be a big part of our efforts as we continue to grow our presence in the greater Chicagoland area.”

WHO IS THE PLEXUS GROUPE?

The Plexus Groupe offers expertise in employee benefits, property and casualty, corporate retirement plans, personal lines insurance, human resources administration/consulting. It also offers benefits technology services and mergers and acquisitions. Additionally, the Plexus Global Network gives clients access to insurance placement in 130 countries around the world. The Plexus Groupe's headquartered in Deer Park, Ill., with additional locations in Chicago, Dallas, and Oklahoma City.

For more information on Plexus’s strategic insurance solutions, contact the firm at 847-307-6100 and ask to speak to a client executive or visit PlexusGroupe.com.

When it comes to home renovations, don't skip the one phone call you need to make

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In our latest roundup of personal insurance news, notes, and tips, we begin with a reminder that seeing someone's proof of insurance is one thing -- but hearing an agent verify that coverage is believing.

Hiring contractors? Verify their insurance with an agent, then trust.

Spring is ideal for home improvements, some of which might require a contractor's expertise. But before anyone starts work on your home, make sure they have insurance. Ask your contractor to furnish proof of insurance, with their agents contact information to verify the insurance is active. A reputable contractor will welcome your due diligence, and you will have peace of mind. Have any questions on this topic? Call us at 847.307.6100, and any of our Plexus Private Client Solutions team members will be happy to help.

Florida: the king of uninsured motorists

Ah, Florida. Sunshine. Beaches. And, unfortunately, a higher percentage of uninsured drivers than the rest of the country, according to the most recent available data from the Insurance Research Council (via the Insurance Information Institute). Therefore, there is no guarantee insured Florida drivers are carrying all that much coverage. According to the Insurance Information Institute, Florida drivers are only required to carry $10,000 in liability coverage per person, with a minimum $20,000 per accident in liability insurance. Furthermore, drivers need just $10,000 in property coverage, per state law.

About Plexus Private Client Solutions

The personal insurance practice of national insurance brokerage The Plexus Groupe LLC, Plexus Private Client Solutions delivers a superior client experience and comprehensive personal insurance for successful individuals and families, including auto, home, and umbrella coverage. Our experienced, dedicated team takes a consultative approach to your personal insurance needs, and we transform complexity into simplicity to reduce your exposures and protect your most valued assets. For more information on Plexus Private Client Solutions, contact the firm at 847.307.6100, or reach out via the Web.

Plexus Hires Wes Hornsby as Vice President of Business Development

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The Plexus Groupe (Plexus), a national insurance brokerage and risk management consultancy with an international network, has hired sales executive Wes Hornsby as a Vice President of Business Development. Hornsby will work out of Plexus's Dallas, Texas office.

Wes Hornsby

Hornsby brings more than 20 years of sales leadership, business operations experience, and strategic planning expertise. He was most recently with Aflac, where he tailored benefit plans for clients via brokers, self-funded groups, and enrollment/software-solution companies. He has also held key sales roles with SurePoint Medical LLC, Rocky Brands, Inc., Allstate, and Bayer/Siemens.

"We are excited to welcome Wes to Plexus," said Brian F. Griffin, Plexus President and Chief Revenue Officer. "His innovative, strategic, client-focused approach, coupled with his vast experience and success in employee benefits and property and casualty, makes him a perfect fit for us. His addition is yet another example of our commitment to bolstering our already strong Dallas market presence."

The Plexus Groupe

Plexus offers expertise in property and casualty, employee benefits, corporate retirement plans, personal lines insurance, human resources administration/consulting, benefits technology services, and mergers and acquisitions. Additionally, the Plexus Global Network gives clients access to insurance placement in 130 countries around the world. Plexus has four offices: Deer Park, Ill. (headquarters), Chicago (Loop), Dallas, and Oklahoma City.

For more information on Plexus's strategic insurance solutions, please contact the firm at 847.307.6100 and ask to speak to a client executive, or contact us via the Web.