UK Car Insurance: Traffic
Collision Facts, Factors and Avoidance Tips
Although UK car insurance provides
policyholders with property, liability and medical care protection
against accidents, drivers should be aware of traffic collision
facts and the factors that are often implicated as causes of
The World Health Organization (WHO) refers to "road traffic injury"
rather than other terms which equally describe a traffic collision,
traffic accident, car crash, car accident, motor vehicle collision,
or motor vehicle accident. The consequences for any of these
references can include property damage, injuries, disabilities and
Motor vehicle collisions may be categorized as run-off-road
collisions, head-on collisions, run-off-road collisions, rollovers,
side collisions and rear-end collisions.
A variety of factors can increase the risk of a traffic collision.
The design of the vehicle, the speed of motor vehicle operation, the
road layout, the road design, environmental factors such as weather,
obstacles or pedestrians, and driver's disposition. Globally, motor
vehicle accidents account for considerable disability, death and
financial repercussions to individuals and society at large.
According to a 1985 research report by K. Rumar, using British and
American data, 57% of crashes were caused by the driver. Roadway and
driver factors caused 27% of crashes. Another 6% of crashes were
from vehicle and driver factors. Roadway factors caused another 3%
of accidents. Another 3% of accidents were the result of roadway,
driver, and vehicle elements. The vehicle alone was responsible for
2% of accidents. The roadway and the vehicle jointly caused another
1% of crashes.
In 93% of the crashes in which the driver was at fault,
intoxication, driver error and other human aspects played a role.
According to an RAC survey British drivers believed their driving
was superior to non-British drivers. Survey of drivers identified
the following as critical to driving well:
? car control including awareness about the size and capabilities of
? assessment and response to conditions of the roadway, including
weather, the environment and road signs
? awareness, assessment, anticipation and response to other drivers.
The risk of crashing is heightened in spite of driver preparation
through proficiency exams because of the cumulative overconfidence
developed by increased driving. Although an AXA survey shows that
Irish drivers are comparatively more safety conscious than other
European drives, there are no correspondingly lower crash rates in
According to research, adequate signage can significantly reduce
driver error and crash frequency by 33% or more.
Changes to the designs of road have been accompanied by traffic
regulations, law enforcement that covers driving while intoxicated,
speed limitations, and speed enforcement technology such as speed
cameras. In some countries, new drivers are subjected to testing
under emergency conditions and hazard perception testing.
According to research studies on demographic differences, young
people, despite having better reaction times, have
disproportionately higher number of male drivers involved in
accidents. Researchers observe younger males engaging in risky
behavior and attitudes that place them in more hazardous road
situations than others. More mature drivers, contrary to popular
myth, while reaction time might tend to be slower, are less likely
to be in an accident, as they drive less often and exercise more
caution. This information is used by actuaries when establishing
insurance rates based on age groups, sex and type of vehicle.