Pedestrian Safety Tips For Your Non-Auto Insurance Customers

pedestrian auto insurance

Photo from Ben Rogers


A surge in pedestrian and traffic fatalities in the Las Vegas, Nevada, area has officials seeking input for how to curtail the problem before it gets worse. Claims Journal reports that Las Vegas police are hosting a two-hour meeting of the Southern Nevada Traffic Safety Committee at noon Tuesday at police headquarters, while later in the week, “the University of Nevada, Las Vegas Safe Community Partnership will host a noon forum for road engineers, law enforcers, advocates, emergency medical personnel – and people who walk busy boulevards to and from bus stops.”

Noting that most deaths happen after dark, Partnership Director Erin Breen counted eight deaths on Clark County roads over a three-week period, including five pedestrians.

The Centers for Disease Control and Prevention (CDC) notes that in the next 24 hours, on average, 445 people will be treated in an emergency department for traffic-related pedestrian injuries and that “In the next 2 hours, on average, one pedestrian will die from injuries in a traffic crash.”

Additionally, more than 4,743 pedestrians were killed in traffic deaths in 2012, and another 76,000 were injured.

The CDC also identifies the following risk factors:

  • Male pedestrians are more likely to die or be injured in a motor vehicle crash than females.
  • Teen and young adult (ages 15-29 years) pedestrians are more likely to be treated in emergency departments for crash-related injuries compared to any other age group.
  • The rate of pedestrian death generally increases with age.
  • In 2012, 34% of all pedestrians killed in traffic crashes were legally drunk, with a blood alcohol concentration of greater than or equal to 0.08 grams per deciliter.

These data are grim reminders for anyone living in metropolitan areas to use more caution before stepping off the curb and onto the asphalt.

As an insurance agent, your customers are largely concerned about their homes and vehicles, but they don’t give as much consideration to what happens when they’re on foot and how they may be putting themselves at risk.

To raise awareness and assist them in foot-navigation, consider sharing these tips.

  • Whenever possible, cross the street at a designated crosswalk or intersection.
  • Increase your visibility at night by carrying a flashlight and wearing retro-reflective clothing.
  • It’s safest to walk on a sidewalk, but if one is not available, walk on the shoulder and face traffic.
  • Children should also be watched more closely and should hold on to an adult’s hand at all times when near an intersection.

Living and driving in a city may be too expensive for your rental and life insurance customers especially, so it’s important they exercise caution when walking to their destinations. Being mindful of traffic congestion, identifying potential threats before they’re in the middle of them, and using more public transportation, are additional ways to avoid a claim, an injury, or death.


In Summary

It’s easy to take one’s daily walk to work for granted, but the threats that exist for drivers are just as prevalent for pedestrians. And as with defensive driving techniques, your insurance customers can take themselves out of harm’s way through awareness and anticipation. In other words, being able to envision how something may go wrong while they’re in the role of pedestrian will help to ensure that nothing does.

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