As more of the U.S.
population becomes vaccinated against COVID-19 and public spaces begin to
reopen, you may be wondering what to expect once you hit the road again,
whether it’s a return to your daily commute or a long-awaited road trip to see
loved ones. Like many parts of daily life, the coronavirus pandemic had an
immediate, massive impact on when, how, and what people drive, which may lead
to long-term changes in traffic, vehicles and driving experiences. Here are the
major ways that driving has changed during the pandemic:
Less people on the road
has led to fewer but more severe accidents.
In the early months of the
pandemic, when the stay-at-home orders and shift to remote work began, a large
percentage of people stopped driving, leading to fewer car accidents. The
number of miles driven nationally plummeted nearly 46% by early April 20201;
by December, 50% of vehicle owners continued to drive less.2
Yet, while the number of
car accidents dropped dramatically, those accidents that did occur were more severe.
With significantly lower traffic congestion, people were driving at higher
speeds. Another factor is the size of vehicles people are driving; in the first
seven months of 2020 alone, SUVs accounted for 50% of all new vehicle registrations.3With more large, heavy vehicles on the road moving at faster speeds, the trend
of accidents getting worse isn’t all that surprising, but something drivers
should be mindful of.
Not only are these
conditions more dangerous for drivers; they are more expensive. Severe
accidents lead to more extensive repairs and a higher likelihood that a vehicle
will be declared a total loss. (A vehicle is a total loss when one of the
following is true: the car cannot safely be repaired, the car’s damage meets
your state’s criteria for total loss, or the repair costs would exceed the
car’s estimated value.) When you’re out on the road, try to stay aware of your
speed even if traffic is sparse, and be prepared to encounter other drivers who
are speeding.
People who used to take
public transit are choosing to drive during the pandemic.
While the percent of people
commuting by car has always been significantly higher than those taking public
transit in the U.S., the pandemic has deepened that gap even further. In a
study by Continental on public mobility, 81% of U.S. respondents reported
having changed their daily mobility habits during the pandemic, with 22% report
traveling more often by car than before the pandemic.4 This trend
will likely continue for the next several months amid lingering health concerns
from coronavirus. So even though the pandemic has changed the way many people work
and more companies are allowing employees to work from home, if those who do
commute to the office continue to choose personal transportation rather than
mass transit, it will not only increase traffic volume but likely continue to
impact rising gas prices.
Be prepared to pay more
at the pump.
With more people choosing
to commute by car instead of public transit, and more people planning travel
for their first vacations post-pandemic, gas prices are soaring back to
pre-pandemic levels as demand for oil rises. A recent report from the Energy
Information Administration (EIA) predicted that gas prices will climb to a three-year
high this summer, to an average of $2.78 per gallon in the next six months.
Although that price is similar to what we paid in the years before COVID-19,
it’s still a 34% jump from gas prices in 2020 and may catch many drivers
off-guard if they haven’t filled their gas tank in a while.5
Drivers are becoming
more interested in usage-based insurance.
With more people driving
less often and working remote for the foreseeable future, many have started
seeking new ways to save on their auto insurance and understand how it is
priced. A growing percentage of customers are comfortable with their auto
insurers using their driving data to inform pricing,6 or what is
known as “usage-based insurance” (UBI) or “pay as you drive” insurance.
Here’s how UBI works: depending
the age and type of vehicle you have, your car may be able to record things
like the mileage, speed, and distance of your driving on an average day. Some
insurers can collect that data from your vehicle with your consent and use that
to personalize your auto insurance pricing – and the better driver you are,
based on the applicable carrier’s criteria, the better the price. If you find
yourself working from home more often than you did before the pandemic, UBI may
be a cost-effective option.
Drivers are using
digital tools to file insurance claims and seek repairs after an accident.
The necessity for social
distancing had a major impact on how people interact with their auto insurer or
local collision repair shop after an accident. Insurers used to send an
adjuster to inspect a vehicle in-person after an accident and write an estimate
for repair costs. These days, that entire process can be done from your
smartphone, making it a COVID-safe experience for you and the adjuster: many insurers
offer self-guided experiences through their mobile app that will allow you to
snap photos of your damaged vehicle from the scene of the accident and upload
any additional documentation securely. From there, the insurer uses a
combination of computer and human analysis to review your photos and draft an
estimate, which they can send to you via their app or an email.
Some collision repair shops
offer similar digital experiences: you can start by searching for a collision
repair shop near you via an online tool like Carwise, which lists profiles on
over 22,000 collision repair shops nationwide. On Carwise you can review dozens
of details on local shops, from their operating hours and location to real
customer reviews, industry certifications, and photos of their work. Once you
find a collision repair shop near you that meets your criteria, you may be able
to schedule an appointment online or request a virtual estimate based on your
photos of the damaged vehicle. Many shops are offering contactless drop-off and
pick-ups as well and will update you about your repair status via text or
email.
Daily life may not return to “normal” for a while, but as we rediscover familiar experiences like commuting to work for visiting family, we encourage you to be safe on the roads. If your car is in need of repairs, use Carwise’s shop finder tool to search your zip code for a customer-reviewed auto body or glass repair shop near you: http://carwise.com/auto-body-shops.
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Article sources:
1 – Bob Pishue,
Transportation Analyst, INRIX. “COVID-19
Effect on Collisions on Interstates and Highways in the U.S.” Page 5, December
2020. https://www.fhwa.dot.gov/policyinformation/travel_monitoring/tvt.cfm
2 – ENGINE CARAVAN. “Driving Change in Auto Insurance.” December 1, 2020. https://engine-insights.com/blog/driving-change-in-auto-insurance/
3 – Top Libby, IHS Markit.
“New Vehicle Registrations Show Record Levels for SUVs.” www.aftermarketnews.com, October 8, 2020.
4 – Continental Press
Release, 2020-12-09. “Increasing Importance of Private Transportation During
the Pan- demic: Continental Mobility Study 2020.”
5 – Energy Information
Administration, Short Term Energy Outlook: https://www.eia.gov/outlooks/steo/
6 – TransUnion. “COVID-19’s
Impact on the Insurance Industry Will Continue Well into 2021.” December 17,
2020. http://www.transunion.com/business.