Short term car insurance, the facts

Over the last few years car insurance costs have risen considerably. This is partly due to increases in the normal overheads, but the main causes, unfortunately, have been an increase in car insurance fraud and the consequences of the current compensation culture, in which claims co's encourage accident victims to pursue ever larger claims against the insurers. It is hardly surprising that the increases in premiums have led to a greater popularity of a phenomena which was practically unknown 10 years ago; which is short term car insurance. You can get information about short term Car Insurance from www.carinsurancefor1day.co.uk .

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 collisions.

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 death.

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 the car
? 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 Ireland.

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.

 

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