A new study suggests that having a spotty driving record may not only increase a person's risk for death in a vehicle accident, but it can also predict a shorter lifespan.
The study, which was conducted by LexisNexis and the RGA Reinsurance Company, found that people with a history of serious traffic infractions tended to have a higher all-cause mortality rate. For example, those with at least six driving violations - such as driving while intoxicated or speeding at an excessive rate - had an all-cause mortality rate that was 80 percent higher than those without records of traffic offenses.
Elliott Wallace, vice president of life coverage for LexisNexis, noted that while traffic histories aren't included in life insurance leads, this kind of information can help industry professionals better structure insurance policies.
"Our research shows that motor vehicle records can be a reliable indicator of lifestyle risk for insurance applicants," said Wallace.
He added that the data can also be used by consumers to determine how comprehensive their plans should be based on their lifestyle.