LONGEVITY OF DRIVERS AND AGE OF VEHICLES: IMPACT ON THE ACCIDENTS' SEVERITY

被引：3
|
作者：
Ayuso, Mercedes [1 ]
Sanchez, Rodrigo [1 ]
Santolino, Miguel [1 ]
机构：
[1] Univ Barcelona, IREA, Riskctr, Dept Econometria Estadist & Econ Aplicada, Av Diagonal 690, Barcelona 08034, Spain
来源：
ANALES DEL INSTITUTO DE ACTUARIOS ESPANOLES | 2019年 / 25期
关键词：
car fleet; elderly drivers; bodily injury severity; technological improvements; road safety systems; INJURY SEVERITY; OLDER DRIVERS; CRASHES; SAFETY; RISK;
D O I：
10.26360/2019_2
中图分类号：
F [经济];
学科分类号：
02 ;
摘要：
Differences on the traffic accident severity between new and old vehicles are analyzed, taking into account the association between the age of the vehicle and the age of drivers. We showed that the ageing of the Spanish vehicle fleet is associated with the severity of motor injuries, especially significant in case of drivers over 75 years driving vehicles older than 12 years. The age of the driver and the age of the vehicle are two main risk factors considered in insurance pricing. In addition, the severity of claims has a direct impact on the estimation of reserves.
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页码：33 / 53
页数：21
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