Home Forums Hunting & Shooting Hunter's Campfire Legal Dope = more insurance claims

A recent insurance study links increased car crash claims to legalized recreational marijuana.

The Highway Loss Data Institute, a leading insurance research group, said in study results released Thursday that collision claims in Colorado, Washington, and Oregon went up 2.7 percent in the years since legal recreational marijuana sales began when compared with surrounding states.

Legal recreational pot sales in Colorado began in January 2014, followed six months later in Washington, and in October 2015 in Oregon.

"We believe that the data is saying that crash risk has increased in these states and those crash risks are associated with the legalization of marijuana," said Matt Moore, senior vice president with the institute, which analyzes insurance data to observe emerging auto-safety trends.

Mason Tvert, a marijuana legalization advocate and communications director with the Marijuana Policy Project, questioned the study's comparison of claims in rural states such as Idaho, Wyoming, and Montana with Colorado, Oregon and Washington that have dense population centers and how that affected the study's findings.

"The study raises more questions than it provides answers, and it's an area that would surely receive more study, and deservedly so," Tvert said.

Researchers accounted for factors such as the number of vehicles on the road in the study and control states, age and gender of drivers, weather and even whether the driver making a claim was employed. Neighboring states with similar fluctuations in claims were used for comparison.

Insurance industry groups have been keeping a close watch on claims when auto accidents across the country began to go up in 2013 after more than a decade of steady decline. Insurance companies found several possible factors at play in the spike that included distracted driving through texting or cellphone use, road construction, and an improved economy that has led to leisurely drives and more miles driven, as well as marijuana legalization.

"It would appear, probably not to anyone's surprise, that the use of marijuana contributes to crashes," said Kenton Brine, president of the industry group Northwest Insurance Council that represents companies in Washington, Oregon and Idaho. He added: "It would be difficult to say that marijuana is a definitive factor, lacking a citation, in a significant number of crashes to say that what we're seeing here is a trend."

The Highway Loss Data Institute said its study examined claims from January 2012 to October 2016.

"The problem here is that it's a pretty new experience," said Carole Walker of the Rocky Mountain Insurance Information Association, an industry group that covers Colorado, Wyoming, Utah and New Mexico. "This is the first study that has been able to isolate legal pot as one of the factors."

Eight states and Washington, D.C., have legalized recreational marijuana for adults.

Insurance Institute for Highway Safety spokesman Russ Rader adds that alcohol impairment remains one of the biggest concerns on the road.

"While we have proven countermeasures, proven strategies for reducing alcohol impaired driving, there are a lot of unanswered questions about marijuana and driving," Rader said.

A study released last year by AAA's safety foundation found legal THC limits established by states with legal marijuana have no scientific basis and can result in innocent drivers being convicted, and guilty drivers being released.

Moore of the Highway Loss Data Institute said they hope the study's findings will be considered by lawmakers and regulators in states where marijuana legalization is under consideration or recently enacted.

Colorado's population has grown between 7-8% in that same period. You don't think the insurance industry would look for ways to jack up rates, do you?

Screw dope and especially those that supported its legalization.

Colorado's population has grown between 7-8% in that same period. You don't think the insurance industry would look for ways to jack up rates, do you?

[/quote]Screw dope and especially those that supported its legalization.

Colorado's population has grown between 7-8% in that same period. You don't think the insurance industry would look for ways to jack up rates, do you?

Researchers accounted for factors such as the number of vehicles on the road in the study and control states, age and gender of drivers, weather and even whether the driver making a claim was employed. Neighboring states with similar fluctuations in claims were used for comparison.

Not sure who you're talking about, I sure didn't support it. My only point was, if the population went up 7+ percent here, and the number of insurance claims went up 2.7%, I don't think you can draw the conclusions that they drew from the data.

It's called "science."

How'd they do that?

2.7% increase is negligible and considering many other factors might indicate a decrease in claims. In other words the article is illustrating that legalization has had no impact and may in fact indicate that legalization has decreased accidents and claims. Stoners are much safer than drunks so the article has a basis in reality. 2.7% lol 😂

I know, that insurance companies covering Oregon seem to be able to use any reason under the sun
to raise rates and the State always has no issues with that... liberal democRATS.

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Well it's kind of cheeky that you ask me, since I wasn't a member of the statisticians, but if it were me, I would have compared the dope legal states with a population increase to other non dope legal states with a population increase and the difference in accident rates between the two I would assume was in part caused by dope.

The conclusion that legal dope causes more accidents and causes insurance to go up is a load of crap. It's just an excuse to raise rates. What about legal alcohol,legal prescription drugs, and illegal drugs. I guess none of those cause accidents. What all you knuckleheads fail to understand that pot smokers will smoke whether legal or not.

But Colorado, et al, have experienced an influx of stoners from other states. I know people who have moved to a pot state just for the weed.

So then I'm assuming the rates will be decreasing in several states

Colorado's population has grown between 7-8% in that same period. You don't think the insurance industry would look for ways to jack up rates, do you?

And how many of that increase are there because of legal pot?

That would probably be a tough number to see through statistical noise given that there are what? Four states that have made it legal? There is 46 to draw stoners from.

So, so far we know that the study is bogus because its a study.