Philadelphia Injury Attorney Blog

THE RESULT: GAMERS MAY BE OFFERED REDUCED INSURANCE RATES

As a Philadelphia personal injury attorney, there is probably not a week that goes by that I am not involved in an insurance claim situation with Allstate Insurance Company. I recently came across a story that intrigued me.

Allstate, the company that allegedly puts you in “good hands” apparently believes that people who play computer games have “good hands” and reflexes as well and is testing a program in the Commonwealth of Pennsylvania whereupon it may offer reduced insurance rates to individuals who play computer games. Apparently Allstate Insurance Company has hypothesized that gamers have improved mental agility over non-gamers and as a result have improved driving response times. Go to www.allstate.com to view a demonstration of the “InSight” software. This in turn could lead to better safety records which could result in fewer insurance claims that Allstate would need to pay. According to the report (issued by Allstate on October 1, 2008), for the time being, Allstate is simply testing its hypothesis in older gamers. In its pilot program called “InSight”, Allstate is providing 100,000 Pennsylvania customers age 50 to 75 with specialized computer games with a games developer monitoring the total number of hours that drivers play. In true experimental fashion, the groups accident’s rates will then be compared to a control group. Tom Warden, an Assistant Vice President of Allstate, states that people in their 50's and 60's have the lowest accident rates of all drivers, but the rate shoots up again in their mid-60's. Mr. Warden hopes that the gaming experiment will improve older drivers brain fitness and notes that Allstate recommends at least 10 hours of game playing/training. The games being tested in the pilot program are something along the lines of a pop cap games title or something you would find on X box live arcade, Playstation network or Wii Ware. Allstate is running the program with the Commonwealth of Pennsylvania this year, but it plans to decide in 2009 whether to roll it out to other states.

At the Philadelphia personal injury firm of Reiff and Bily, we salute the efforts of Allstate to improve driver safety and save their insureds money in these difficult economic times.