Nationwide’s second annual Driving While Distracted (DWD) study shows 48% of Americans considered cell phones to be the most dangerous distraction while driving. More than 40% say they have been hit or almost hit by another driver who was talking on a cell phone.

DriveAssist provides a software-based mechanism to prevent and control incoming and outgoing calls, text messages and internet access when a cell phone user is driving. This technology is expected to be offered next year through wireless operators.

Acccording to Aegis, the technology informs the caller that the person they are trying to reach is driving and can’t answer the phone or text message. The service offers options to the caller, including the opportunity to leave a message, send an audible alert or request a callback. The service allows 911 calls and offers an override feature for passengers.

William Windsor, assistant vice president of safety at Nationwide Mutual Insurance, said: Nationwide is working on a combination of solutions to curb DWD – including public awareness, legislation, highway design and encouraging the development of new technology. DriveAssist is the first technology for reducing DWD. Nationwide is partnering with Aegis Mobility to help bring consumers an effective tool that empowers people to make smart decisions behind the wheel and to make the road a safer place.

Nationwide plans to offer an auto insurance discount for policyholders who sign up to use DriveAssist.