Automobile Insurance and Traffic Safety

July 10, 1964

Report Outline
Penalties of Careless Auto Driving
Auto Insurance Coverage and Costs
Accident Research and Traffic Safety
Special Focus

Penalties of Careless Auto Driving

Rise of Traffic Deaths and Insurance Rates

Death by automobile rang up new records over the Fourth of July; more than 500 persons died in traffic accidents. Unless accident incidence takes an unexpected drop in the last half of 1964, more than 50,000 men, women and children will perish in motor traffic in the United States this year, and 1.7 million will suffer disabling injuries. Such statistics have long since lost shock value. But motorists who might otherwise shrug off loss of life on the country's highways are discovering to their dismay that there is a direct relationship between the mounting traffic toll and the rates they have to pay for car insurance.

Liability insurance rates on certain high-risk drivers are reaching prohibitive levels. Motorists with especially bad driving records cannot buy insurance from standard companies at any price. Such people, many of whom must drive to hold their jobs, find they can finance needed insurance only through so-called “substandard” companies which charge sky-high rates and add exorbitant interest or handling charges.

Numerous drivers take their chances behind the wheel with no liability insurance at all. The uninsured motorists leave their accident victims with no realistic means of obtaining compensation, unless it is through state funds for the purpose which are operated at substantial deficits.

ISSUE TRACKER for Related Reports
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Oct. 16, 1992  U.S. Auto Industry
Apr. 27, 1990  Curbing Auto-Insurance Premiums
Jul. 14, 1989  Automakers Face Trouble Down the Road
Aug. 31, 1984  U.S. Auto Industry: Strategies for Survival
Feb. 23, 1979  Auto Research and Regulation
Apr. 28, 1978  Automotive Safety
May 10, 1974  Auto Industry in Flux
Apr. 18, 1973  Auto Emission Controls
Jan. 13, 1971  Auto Insurance Reform
Jul. 27, 1966  Fortunes of Auto Industry
Jun. 04, 1965  Automobile Safety
Jul. 10, 1964  Automobile Insurance and Traffic Safety
Nov. 19, 1958  Small Cars
Apr. 17, 1957  Better Driving
Jul. 01, 1954  Competition in Automobiles
Mar. 23, 1954  Automobile Liability Insurance
Dec. 24, 1952  Highway Accidents: Causes and Remedies
Aug. 21, 1945  Automobiles in the Postwar Economy
Sep. 02, 1938  The Market for Automobiles
Oct. 26, 1932  Outlook for the Automobile Industry
Dec. 10, 1929  Condition of the Automobile Industry
Jan. 30, 1928  Automobile Fatalities and Compulsory Insurance
Dec. 10, 1927  The Status of the Automobile Trade
Insurance Industry
Manufacturing and Industrial Production
Motor Traffic Safety