NOAA’s National Weather Service Storm Prediction Center Annual Severe Weather Report Summary reported 5,373 hail events in 2024 compared to 6,962 in 2023. Texas and Kansas had the largest number of hail events according to NOAA in 2024.

According to the Centers for Disease Control’s Teen Driver Fact Sheet, motor vehicle crashes are the leading cause of death among teens. National Highway Traffic Safety Administration (NHTSA)’s Young Drivers Traffic Safety Facts data shows that 2,034 drivers aged 15 to 20 died in traffic crashes in 2022, a decrease of 5 percent from 2,133 in 2021.

Uninsured and underinsured motorist coverage reimburses policyholders in an accident involving an uninsured, underinsured or hit-and-run driver. Twenty states and the District of Columbia have mandatory requirements for uninsured or underinsured motorist coverage. More than half of the states have passed laws and begun to develop and implement online auto insurance verification systems to identify uninsured motorists.

By their design, motorcycles are far less crash-worthy (i.e., resistant to the effects of collision) than closed vehicles. Motorcyclists and their passengers are more vulnerable to the hazards of weather and road conditions than drivers in closed vehicles. They are also less visible to other drivers and pedestrians and less stable than four-wheel vehicles. Additionally, motorcycle operation requires a different combination of physical and mental skills than those used in driving cars and trucks.

The cost of auto insurance can be affected by the vehicle's cost and crashworthiness (the degree to which it can protect occupants from the effects of an accident) and by the driver's safety habits. Insurers support raising awareness about safe driving practices, such as seatbelt usage and avoiding driving while under the influence of alcohol. These initiatives reinforce public safety and help to reduce costs for policyholders and insurers.