While I'm busy making light of vehicular tragedies, I have to say that although Allstate's Parent-Teen Driving Contract may be an excellent idea, I wonder how an organization whose business depends on the sensible use of statistics could attempt to pass off the following:
Assuming that the average teen is awake no more than 18 hours per day, warning that half of all fatal accidents happen in a 9-hour period is equivalent to grousing that 40% of workplace absenteeism occurs on Mondays and Fridays. And when we factor in that most teens spend a good part of their other 9 waking hours in school, we are led to the inescapable conclusion that 3PM to Midnight is a remarkably safe time to drive. The obvious solution is immediate repeal of teen driving curfews nationwide, so that teens can take care of essential business at night and stay off the road during the 8AM bloodbath.
If an insurance company can't manage the non-risible use of statistics, there is little hope for the rest of us. I am reminded of my college's gay & lesbian student association, which--I swear to God--ran simultaneous poster campaigns proclaiming "One in Ten People Is Gay" and "Two-Thirds of Child Molesters Are Straight."