Swipe. Tap. Crash.
Driver distraction in the digital car
A report from the Allianz Center for Technology (AZT) for the Allianz Motor Day 2026
International Mobility Summit 2026
Foreword by Dr. Klaus-Peter Röhler and Frank Sommerfeld

Technology must serve safety, not compete for attention

The car has always been a place of divided attention. Drivers have talked to passengers, tuned radios and glanced at maps for as long as there have been cars. What has changed is where the distraction comes from. For most of that history, it was something the driver brought into the vehicle, and today that usually means a smartphone. But a growing share of distraction is now built into the vehicle itself.

Open the door of many new cars and the first thing you see is a screen. Displays have replaced dials, buttons and switches. Functions a driver once operated by familiarity and feel — adjusting the temperature, setting the wipers, switching on the hazard lights — are increasingly routed through menus that need a look, a tap and often several of each. On a phone, that is a small inconvenience. In a car traveling at 50 kilometers an hour, three seconds spent looking at a display means covering more than 40 meters effectively blind.

This report is about that shift, and about a principle that should guide it: a car is not a smartphone. Screens have brought real benefits, from clear navigation to reversing cameras, and we have no wish to turn back the clock. But when safety is at stake, function must come before design. A control a driver cannot find without looking is a control in the wrong place.

Dr. Klaus-Peter Röhler

Frank Sommerfeld

How much of this is to do with the driver, and how much is the design? We set out to answer those questions by seeking evidence. Over the past year, the Allianz Center for Technology (AZT) carried out its most comprehensive research program on distraction to date. This included an in-depth review of more than 34,000 crash cases; eye-tracking in real vehicles; a driving-simulator study with the Technical University of Munich; and cognitive modeling of critical situations. We also conducted a survey of drivers across Europe and beyond, and a review of more than 80 published studies. Together they let us say, with more confidence than before, how large the distraction problem is, where it comes from and what makes it worse.

The findings are sobering. Distraction appears far more often in the crash record than official statistics suggest. The same everyday task is markedly more dangerous in one car than in another. And a glance of only a couple of seconds can, at the wrong moment, be as dangerous as driving over the drink-drive limit.

None of this argues against progress. Automation holds genuine promise for road safety. But for decades to come, drivers will share the road with conventional vehicles and remain responsible for what happens behind the wheel.

Our conclusions ask something of everyone. Manufacturers should make safety-critical functions operable for drivers without taking their eyes off the road. Regulators and enforcement should treat distraction by mobile phones and user interfaces systematically, beginning with consistent measurement, because a risk that is not measured cannot be managed. And drivers, the final decision-makers, need to treat a moment's inattention as seriously as they now treat a drink before driving.

Vision Zero — a road system without deaths or serious injuries — will not be reached by technology alone. It depends on the choices designers, drivers and lawmakers make every day. As cars grow more digital, interface design is no longer a question of style. For the controls that keep people safe, design must follow function. 

Dr. Klaus-Peter Röhler
Member of the Board of Management of Allianz SE, Insurance German Speaking Countries, Central Europe, Global Property & Casualty

Frank Sommerfeld 
Chairman of the Board of Management, Allianz Versicherungs-AG

Overview page
Foreword
Chapter 1
Chapter 2
Chapter 3
Snapshots
Chapter 4
Chapter 5