Auto Insurance Co.’s In-Car Camera Showing Results

Driver being instructed

An in-car camera system that allows parents to see their teens’ driving behavior has led to a 70-percent decrease in risky driving habits since the program began in 2008, reports WDAY News.

According to American Family Insurance, the company that originated the in-car Teen Safe Driver program, the crash rate for teen drivers increases 700 percent when they are driving without their parents.

To combat this problem, the auto insurance company helps concerned parents by providing them a special camera that can be mounted behind their vehicle’s rear-view mirror. The camera only saves footage that captures events related to risky driving, such as hard braking, sudden acceleration and collisions.

The actions are then transmitted to the company’s analysis center, where the data is prepared in a report and delivered to the parents. Together, parents and teens can review the footage and use it as objective evidence to use for a discussion about safer driving habits.

North Dakota teen driver Chelsey Stark told WDAY-TV that she wouldn’t mind if her parents installed the device — as long as she knew in advance.

“Well if they did it by surprise, I wouldn’t really like it, but I guess the idea of keeping me safe is there,” Stark said.

Fortunately for the teen drivers and their parents, American Family Insurance does not review the driving footage and cannot use the footage as a basis for a premium increase. However, according to the Teen Safe Driver FAQ, American Family Insurance may ask to use the data collected from the camera as evidence in the accident-claims process. In addition, “The information also is subject to being subpoenaed by other parties in a legal proceeding,” according to the website.

About John Pirro
John Pirro is a licensed fire and casualty insurance agent specializing in various aspects of the auto insurance industry. He worked in the auto body repair industry before taking a reporting position at Online Auto Insurance News.

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