Motor Vehicle Risk

Question 1

what is the the thrrd leading cause of death in the US and leading cause for 5-34 year olds?

Answer 1

traffic accidents,

Question 2

What are the major causative factors associated with MV fatalities?

Answer 2

speeding, running a red, distracted driving, fatigue and impaired driving.

Question 3

Alcohol-related accidents represent what % of fatalities? and How many people are killed each year due to drunk and drugges driving?

Answer 3

31%

15k

Question 4

is alcohol a downer or upper?

Answer 4

downer on the CNS

Question 5

what senses can be affected by alcohol consumption?

Answer 5

reaction time
vision
tracking
concentration
comprehension
coordination
- if used with another drug, the effects can increase

Question 6

what is the alcohol limit for driving?

Answer 6

0.08% BAC blood alcohol concentration)

Question 7

administrative liscence suspension protains to what law?

Answer 7

Driving privileges are suspended before conviction when a driver fails or refuses to take a chemical test.

Question 8

what is an exception to the administtative license law?

Answer 8

A person can driver their car, if it is installed with an ignition interlock device.Its a breath analyzer that will precent the engine from starting if the devide detect a blood alochol level above legal limit.

Question 9

Are open containers of alcohol permited in the passenger compartment of a vehicle?

Answer 9

No

Question 10

How can someone get their DUI reduced or removed?

Answer 10

attend classes for safety training or alcohol/drug awareness. IR. DUI > reduced to reckless driving

Question 11

what is the greatest age of propensity for speeding and what is the average speeding rate?

Answer 11

11mph/ over speed limit

and 18-24 y/a

Question 12

what is the relation to excessive speeding and increased rates of accidents?

Answer 12

31% of fatalities are speeding related.

Question 13

among fatally injured passenger vehicle occupants, more than half (52%) of those kills were due to what?

Answer 13

not being restrained.

Question 14

are there more fatalities with car accidents or motorcycle accidents?

Answer 14

Motercycle, (37 x more likely to die in an accident, and 9x more likely to be injured)

Question 15

Are rural areas or urban areas more at risk for fatalities?

Answer 15

Rural, (accounts for 55% of the fatalities).

Question 16

who (men/wome) has a better mortality rate when it comes to car fatalities?

Answer 16

women, (its 3x higher for males to be in a crash)

Question 17

why do teenage drivers have the highest crash rish?

Answer 17

inexperience, immaturity and psychomotor varity, pecerptual and congnitive skills.

Question 18

in recent years, people ages 16-24 were involed in __ % of all alcohol related driving accidents, but only make up 14% of the driving population.

Answer 18

28%.

They are also involved in driving accidents at higher rates than older drivers with similar levels of blood alcohol.

Question 19

what are some consequences to getting older, and becoming an elderly driver?

Answer 19

moderate decline in mental, motor, optic and auditory functions.

Question 20

what is the cause of increased death rates from accidents in Elderly drivers?

Answer 20

frailty. They are involved in more fetal car crashes per mile than any other age group (except teenagers)

Question 21

drivers over 75 have more that?

Answer 21

more traffic violations and nonfetal collisions.

Question 22

what are the two most common violations for elderly drivers?

Answer 22

failure to yeild the right or way, and failure to obey a traffic sign.

Question 23

As the elderly population increases in the next 20 years, older drivers are projected to be involved in up to how much percent of all crashes and fatalities?

Answer 23

17% of all crashes

25% of all fatalities.

Question 24

what are the highest ranked occupations in terms, of motor vehicle accidents?

Answer 24

students, attorneys, architects and real estate agents. usually due to fatigue and sleep deprivation.

Question 25

what are the occupations most highly ranked in terms of speeding?

Answer 25

students, military, manual laborers, politicians and architects.

Question 26

what is the legislation reported to truck drivers, in terms of work hours and why?

Answer 26

Truck driving accidents ^ d/t fatigue. New legislation to limit truck drivers to no more than 11 hours in a row and 60 hours over 7 days, and rest `10 hours betwen shifts

Question 27

!0% of fatal crashes and 10% of injury crashes were related to what, in terms of Motor vehicles?

Answer 27

Destracted driving.

Question 28

What is the increased % risk for a car accident while using your cell phone? And how many young drivers survyed yes to willing answer a phone notificiation?

Answer 28

4 fold risl

68% answered they would.

Question 29

how many states have prohibited all drivers from using handheld cell phones while driving?

Answer 29

12, and district of columbia, puerto rico, Guam and US virgin island.

Question 30

How many states have band texting while driving?

Answer 30

41, district of colombia, Gyam, and US virgin island.

Question 31

According to virginia tech transportation institute, texting while driving creates What increase % of risk of having an accident 2012.

Answer 31

23%

Question 32

Aggressive driving increased where and why?

Answer 32

public highways with increased traffic, population densities and longer commutes. slow motion build stress.

Question 33

Who is a great threat to common sober drivers than drunk drivers?

Answer 33

Aggressive and distracted drivers

Question 34

what is the definition of road rage?

Answer 34

Assult with a motor vehicle or other dangerous weapon by the opertator or passenger of one motor vehicle on the operator or passangers of another mother vehicle, or is caused by an incident that occurred on a roadway.

Question 35

what medical conditions can affect driving abilities?

Answer 35

single stroke, uncontrolled seizure disorder or diabetes,alzheimers, and other forms of dementia

Question 36

how can cardiovascular disease affect dirivng safety ?

Answer 36

if associated with cerebral ischemia. Some states have waiting times between driving and implantation of a cardiac defibrilator.
temporary suspension periods exist on new dx of CVA or TIA.

Question 37

how does diabetes affect someones ability to safely operate a motor vehicle?

Answer 37

musculoskeletal effects from peripheral neuropathy causing sensory deficits. May not be able to fully sense foot pedal functions. Hypoglycemic episodes can also cause accidents in drivers with diabetes

Question 38

How can people diagnosed with bipolarism, dementia and psychotic disorders drive?

Answer 38

with medical consideration. People dx with alzheimers have 2x more risk of car accidents after the first year of dx than those who are not dx with AZ.

Question 39

how can COPD affect someoens motor vehicle fatality risk?

Answer 39

if associate with respiratory failure resulting in cognitive impairment due to generalized hypoxia

Question 40

How do seizure affect mortality risk?

Answer 40

seizures/epilepsy that are poorly controlled, have hx of unconsciousness, and syncope are serious concerns.

Question 41

Can people with epilepsy drive?

Answer 41

before no, but now with the development of antiepileptic drugs it tends to be under control and therefore low risk for seizures while driving.

Question 42

What could be considered a sleep disorder with a high fatality rate?

Answer 42

narcolepsry, sleep-disordered breathing, sleep apnea, and sleep deprivation account for daytime somnolence

Question 43

driving with fatigue is eqivualent to driving with a blood alcohol concentration of what?

Answer 43

0.04 BAC

Question 44

When would some one order a MVR?

Answer 44

with two or more admitted driving violation

Question 45

what is an MVR important?

Answer 45

information on an MVR can screen out driving behaviours to avoid early death claims, providing a valuable piece of the overall risk analysis?

Question 46

What does “admnistrative per se” mean on an MVR?

Answer 46

driver refuses to submit to testing of blood or urine for the presence of alcohol/ or breathalyzer. > leds to “on the spot” license suspension.

Question 47

What does “interlock device” mean on an MVR?

Answer 47

Court-mandated breathalyzer that is connected to the ignition fo the motor vehicle. >required for repeat offenders. locks with detection of 0.02+

Question 48

What does “implied consent” mean on an MVR?

Answer 48

applied to drivers who refuse to submit to approved test to determine intoxication.

Question 49

What does “a conditional privilege” mean on an MVR?

Answer 49

this is a temporary privilege to drive, pending a court hearing to address an alcohol or drug related violation.

Question 50

What does “Zero tolerance law” mean on an MVR?

Answer 50

targeted to young drivers, people under the age of 21 are not allowed to drive with any alcohol. typically 0.01%,+ , requires license suspension for one year, for drivers under 21- suspension applies to drivers under 21 who refuse the test.

Question 51

A consistent pattern of poor driving habits can extend into what other traits?

Answer 51

immaturity, psychiatric problems, or substance abuse. (multiple speeding tickets, reckless driving, and DWI)

Question 52

What other occupational factors should an u/w consider with serious driving offences?

Answer 52

aviation and avocation risks.

people participating in multiple avocations can represent an excessive pattern of risk-taking behaviors.

Question 53

why is a revoked/suspended license a concern from an u/w perspective?

Answer 53

associated with a recent alcohol-related violation or of chronic patterns of driving violations.
suspensions can be non-moving related, including failure to provide insurance, failure to appear in court, failure to pay child support.

Question 54

People driving with a suspended license are more of a risk. Why?

Answer 54

they are more likely to be associated with unfavourable mortality and increased lapse potential.

Question 55

What is used to assign risks with drivers with a history? (table or flate rate)

Answer 55

better represented by a mortality multiple. Flat rates reflect the idea that only recent infractions matter, rather than a collective history of driving patterns.

Question 56

Why is an MVR a good source for u/w a risk?

Answer 56

its low-cost, that does not inconvenience the proposed insured and remains an efficient means of confirming driving history statements.

Question 57

what should an u/w focus on, when adverse findings are developed?

Answer 57

attention focus on age, experience, financial status, job stability, lifestyle, medical history, any alcohol or drug use, and over reputation for a comprehensive approach. [picture the whole risk].

Question 58

what is the difference between aggressive driving and road rage?

Answer 58

aggressive: harassment, intimidation or intent to injure or obstruct others, while speeing, unsafe lane changes, with angry behavior.
road rage: criminal offence defined as assault with a motor vehicle or dangerous weapon (by driver or passenger) onto the operator or passenger of another motor vehicle / causes accident