Lafayette
337-446-2442
Caffery, Oubre, Campbell & Garrison, L.L.P.
New Iberia
337-352-2310
Service, Integrity, Results

Legalized pot a progressively increasing risk for insurers

“Time is of the essence.”

So says Nat Wienecke, a principal with the Property Casualty Insurers Association of America. Wienecke’s remarks – and the shared concerns expressed by other insurance groups and institutes across the country – are focused upon the steady increase of American states legalizing marijuana for recreational use.

There are problems with that, say prominent insurance voices.

Big problems.

One key concern is the murkiness attached to any law-enforcement assessment of a legal-impairment limit for motorists. The magazine Insurance Business America duly notes the legitimate concern linked with accurately gauging just how high someone is while behind the wheel.

“The science behind this is very challenging,” states Wienecke. And coming to a broad consensus regarding a legal limit for THC (the active high-inducing compound in marijuana) is virtually impossible. Alcohol concentration in the human body is notably a different matter, with BAC testing allowing for a simple and accurate determination of impairment in any given driver. The 0.08% drunk-driving standard is uniform across the country (excepting in Utah, where it now stands at 0.05%).

How large are the safety concerns linked with pot-impaired drivers?

Far more than trifling, say insurance insiders. Indeed, a recent study authored by the national Insurance Institute for Highway Safety and Highway Loss Data Institute produced truly alarming results. Data indicate that policyholder collision claims in states that allow for recreational marijuana use spiked as much as 6% over a recent five-year period.

That spells valid – even compelling – concerns for motorists and passengers on the road, employers, law enforcers, safety advocates and, of course companies tasked with providing insurance.

More needs to be done on the impaired-driving front, and quickly, say broad-based commentators closely concerned with the subject matter.

Until it is (with attendant benefits realized), outcomes marked by personal injury and property damage will likely increase both steadily and exponentially.

No Comments

Leave a comment
Comment Information

contact us

With offices in Lafayette and New Iberia, our lawyers represent clients in state and federal courts throughout Louisiana. Contact us today to schedule your case assessment with one of our experienced attorneys. Email or call us at 337-446-2442 to reach our Lafayette office or call 337-352-2310 to reach our New Iberia office.

Bold labels are required.

Contact Information
disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.

close

Privacy Policy

Lafayette Office
100 East Vermilion Street
Suite 201
Lafayette, LA 70501

Phone: 337-446-2442
Map & Directions

Lafayette Office

New Iberia Office
800 South Lewis Street
Suite 205
New Iberia, LA 70563

Phone: 337-352-2310
Map & Directions

New Iberia Office