Driver Coaching: An Essential for Driving in the 21st Century

Driver training is essential to reinforce safety standards. But using a textbook program to deliver this information in the absence of any predictive checks & balances would not yield the necessary changes.


Auto Insurance is a business of optimizing and controlling variables. The more control you have over certain variables, the more risk you will be able to mitigate. This would eventually lead to more competitively priced policies, higher market-shares, and eventual industry-leadership.

Focusing on Driver Coaching is one of the many measures available to insurers, reinsurers, and the industry, to mitigate risks at the driver-level. 

The Need for Driver Coaching

If one analyses just the fundamentals, there should not be a need for driver coaching. The government issues licenses to state whether a driver has the necessary skills for driving or not. When used along with background-checks for traffic offences, companies should be able to filter high risk drivers.

However, such measures are ineffective because accidents are not caused by how a driver reacts to an everyday situation, but by how the driver reacts to a specific unforeseen situation. The numbers make a clear case for the crashes and injuries inflected by driver behavior as a cause:

  1. Alcohol, speeding, and distraction are directly responsible for over 57% of accidents caused every year in the United States.
  2. While the number of such crashes might not sound alarming, on an aggregate basis, crashes account for injuring over 4.4 million people every year. 

As an auto insurer, these numbers reflect business-risk for you. Increasing quantum of such accidents can result in claims going through the roof for physical, property, and legal damages. The number of crashes is big enough for most auto insurers to worry about. But looking at the probable causal factors also shows one more insight – that these accidents are related to inadequate driver training. 

Assuming a driver, who drives professionally or for personal reasons, has undergone effective driver training, she/he should not get into accidents caused by behavioral issues like driving under the influence of alcohol, speeding beyond the safe limits or distracted driving. The question remains – since there is enough driver testing done before issuing a license as well as a good number of drivers training available, why are the crash figures so big? 

Deficiencies in the Existing Driver Coaching Methods

The answer to that last question lies in understanding the existing driver training models. Most drivers undergo training because they have been asked to do so by their employer or someone of equal authority. Or, they are about to appear for the drivers’ license test and are hence going through the training with a professional instructor.

The key issue lies in the way such driver coaching methods are structured:

  1. Frequency and Tenure of Coaching: Most of such driver-coaching programs are conducted by independent contractors or companies offering similar services. However, these are one-time training programs. Most of the people who attend such workshops or programs do so to attain their license and once they have it, they are not really concerned about the concepts they were taught. Convenience takes over safety and driving safely becomes a subjective matter.

There are no checks and balances to rectify the drivers not following the guidelines of driver coaching modules. The authorities act after an incident or breaching of the driving rules have taken place, not entirely before that. 

  1. Most Programs Use Boilerplate Information: While this information might be in line with what is prescribed in the government safety standards, they do not consider each drivers’ reflexes and patterns in driving attributes. Such workshops can tell you generally what a driver should be doing, not what you specifically should be doing. Most of the crashes are caused by a conjunction of factors out of driver’s control and the ones directly emerging from her/his driving attributes. Generally, the programs using boilerplate information focus only on the former and the risk posed by the latter remains unmanaged. 

Solution: Data-Driven, Real-Time Active Guidance

Having an integrated platform that can deliver multifaceted driver training is the key to solving the problem of increasing crashes. Here is what an ideal platform of this type would look like:

  1. High Level Data: It should alert drivers about congested areas that might be prone to high probabilities of accident. An off-the-shelf telematics system can only show in retrospect whether the area was prone to accidents. An effective system that focuses on driver-training in real-time will help the driver actively avoid such situations in the first place. 
  1. Nudges to Accommodate Comprehensive Data Points: Speed increases the probability of a crash since it does not give you enough time to react in case something unexpected happens. Most driver training programs will show the driver what is the ideal speed one should drive at depending on the road and traffic conditions. 

A lot of drivers who get into a crash due to high-speed might not understand immediately when they have breached the driving speed limit. A system that can take inputs from traffic, weather conditions, road quality, and speed limits will be able to help the driver develop an intuitive sense of when she/he has breached a safety limit and nudge her/him to bring it under control.

  1. AI-Based Predictive Analysis in Real-Time: Machine learning algorithms that take granular data from past driving patterns, trends indicating slowing reflexes, and driving variation analysis in real-time to predict drowsiness can dramatically reduce crashes and keep the driver safe. 

Driver Training is essential to reinforce safety standards. But using a textbook program to deliver this information in the absence of any predictive checks & balances would not yield the necessary changes. 

By using Kruzr’s integrated platform, you can help your insured customers develop safe driving habits that are actively engineered in line with their own driving behavior, while still ensuring they accumulate an intuitive understanding of the standard rules & regulations.

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