Car Insurance Accident Statistics

It is widely acknowledged that the leading cause of death for individuals between the ages or Sixteen (16) and Nineteen (19) is related to car accidents. Similarly to that of gender based studies, it is shown that male teen drivers dominate the demographic of teens who are involved in Car accidents, that data is fast changing however as more and more female drivers are catching up and getting into serious car accidents themselves.

When you decide to add a teen driver to your insurance coverage, rest assured that your insurance rating will get higher because insurance companies have the perception that  teen drivers are most likely to figure out in a car accident. There are ways however, for you to avail of a lower rate and they will be discussed later in this article.

So, what are the main reasons why teen drivers in general (regardless of gender) are involved in car accidents? The main reason for this is alcohol use. This is a fact and it has been shown that underage drinking leads to more car accidents than any other reason.

But, the fact is, Alcohol use or any form of substance abuse for that matter is not the sole cause of accidents. One major cause can be generalized into ‘distraction’. Teenagers do all sorts of things behind the wheel and these events lead them to be distracted from focusing on the road. Distraction may come in the form of friends in the passenger and back seats of the car to electronic gadgets and other items.

Another recognized cause is Peer pressure. This may seem trivial to some adults, but the fact is that, Peer pressure is a real thing and a lot of teens, if not all of them, fall under its grasp. Peer pressure leads a teenager into drug use and even Car Accident prone activities. Another reason is the feeling of invulnerability or the “that can’t happen to me” complex. This leads teens (and even some adults) to disregard basic safety precautions like the donning of seatbelts, driving faster, reckless driving and others.

Insuring your teen driver may be pricy, but here are few areas and tips in which you can help lower you insurance rate.

o Good Students – Most Car Insurance Companies offers discounts to students that maintain a B average or better. This might even be an incentive for students to strive to keep their grades up so they can maintain the discounted rate.
o Clean Driving Records – A Clean Driving Record may cause your insurance provider to decrease your insurance rate.
o Older Cars – Older cars means slower cars and less chance to show off. This generally means that your teenager may be less tempted to test the fates when they have an older less impressive car and as a result, insurance companies tend to lower their rates for older cars.
It is true that adding a teen driver to your insurance coverage can greatly spike your dues. But you will be more than grateful availing it given that the cost of insurance coverage is considerably less than what you will pay for when your teen gets in an accident.

It has been stated that men are more likely to get into serious car accidents than women and that car accidents are the leading cause of death in teenagers. What about the rest of the individuals involved? What about the pedestrians who fall victim to car accidents? How about the elderly and those under the age of 16 and adults past the age of 30 and under the age of 60? How do they fare in the statistics gathered by Car Insurance Companies?

What does statistics say about them and what are the perceived causes for their involvement? This article will attempt to give an answer to all those questions based on the data gathered from car insurance companies and presumptions made on the mentioned events.

It is true that over 12 million individuals get into some sort of vehicular accident annually and that number is steadily rising from year to year. It is also a fact that majority of individuals involved in car accidents are males, no matter the age range. The interesting thing here is that males not only dominate the number of drivers involved in an accident, but also the other victims as well.

The Male gender seems to dominate over the pedestrian victims and the car passengers, even young children who are riding in the passenger side or the back seat of a car. The male domination in Drivers involved in car accidents is easily understandable and is sometimes controversially attributed to the impulsive nature of the male gender.

But, what is to be said of the passengers and the pedestrian victims? This is harder to explain and we seem to end up attributing it to a chance of fate. Unless in some cases, where the pedestrian got into the accident because they did not follow traffic rules and may have crossed the street when the light are on ‘go’ and maybe even on the wrong side of the road .

With regards to the high number of male passengers involved in car accidents, it can only be directly attributed to the male gender if they were in some way a distraction to the driver. The younger demographic however, like the children under 6 years of age can again be attributed to chance.

Age also plays a huge part in the statistics of car accidents. It is said to be the number one cause of death in teenagers. But, statistics have shown that although it is indeed the leading cause of death in teenagers, the elderly, those between 75 and 90 are more likely to die when they are involved in car accidents. The teenagers have a tendency to have injuries rather than suffer death when compared with elderly drivers and passengers.

The miles that a person travels by car also affect his or her chances of getting in an accident. The longer the person remains on the road, the greater is his chances of being involved in car accidents.  This part involves all individuals from all genders and age range. This also affects the Insurance premium fees as Insurance Companies are more cautious when giving insurance to people who travel a great deal.

Car Insurance reports are the most reliable sources when it comes to getting the real data on car accidents. Still, there are some people who do not have car insurance, but they form only a small percentage of the total. In this article you will find some of the basic information regarding the injuries incurred by the people involved. Steps on protecting yourself and securing your interests after a car accident will also be discussed in brief in the later part of this discussion.

Statistics gathered from car insurance records have shown a whopping Twelve (12) Million people involved in all types of motor vehicle accidents annually. The data also reveal than an average driver will experience a “near car accident” event every month or so and within the period of six (6) years get into an actual car accident.

Car Accidents is seen to be the leading cause of death in people aged Six (6) to twenty seven (27). The past year (2006) has shown some sobering data with regards to the occurrence of car accidents in the United States. It showed that of the 12 million people involved in car accidents, over nearly 3 million of those sustained injuries. It has also shown that almost 50,000 people have died as a result of car accidents and that a majority of the accidents were caused by people who were driving drunk or under the influence of illegal drugs. The data also shows that not only are the drivers involved, but also over 60,000 pedestrians died as a result.

The minute that you are involved in a car accident you need to take down information about the other car and the driver that you were involved with (if you can). This will help you get a stronger case with your Car Insurance Company and also facilitate quicker processing of your papers. This will also help when you need to file a personal injury case against the other driver involved in the car accident. The necessary data are as follows.

• General Information on the Driver - Get the opposing drivers, name, license
  number, home address and other data. It is also helpful to note at this point the mental state that the opposing driver is in. Look for clues that will tell you that a driver is intoxicated,
• Other people involved - Get the name and addresses of the passengers in
  the other car as well as their contact numbers. It is also advised that you
  get the name and contact numbers of any witnesses that may help you defend your case in court.
• Insurance Information - Get the name of the Insurance companies of the opposing vehicle so that you know where to go to.
• Details - Write down the details of the accidents. Information like when,
  where and what time the accident occurred will be necessary in getting a good case against the opposing driver. Take down also the injuries and damages to the vehicles involved. It might also be helpful to take photographs of the accident if you can.

This is a touchy issue for some gender protection groups, but the data and the findings in this report are based on factual data and not on speculation and discrimination driven prejudice. The old stereotype, that women are far worse drivers than men still stands (whether we like it or not) to this day. But, the data gathered from car insurance companies show that it isn’t so. The data of Car Accidents reported states that men of a certain age group are more likely to get into a serious car accident than women are.

It is estimated that over Twelve (12) Million people are either involved or killed in Car accidents in the United States annually and most of those involved are men. The fact is, if a man and a woman apply for car insurance coverage, it is likely that the man will have a higher quote from the insurance company. It does not matter if both have the same credit ratings, the same salary level, the same age or even the same car; men are still more likely to get a higher quote. That is because Insurance Companies believe that men are more likely to get into major accidents than women.
This is however only applicable to a certain age group and that is Sixteen (16) to Twenty Nine (29) or puberty to the middle young adulthood. Past the age of Thirty (30) the rate of car accidents between men and women tend to even out and both can generally be involved in the same types and severity of car accidents.

So, what are the reasons why most men from a specific age group have a higher tendency to get into more serious accidents than women from the same age group? The reason for this is greatly attributed to hormonal changes and the impulsiveness that is seen in men. Now, you are probably saying, here comes the gender bias. It may be so, but these are just conclusions given to explain the phenomena where men have a higher tendency to meet car accidents than women do at a certain age.

It is believed that younger men, those that are experiencing puberty have a tendency to be more reckless and daring than their female counterparts. The urge to please and impress their peers is strong in this age and it may lead to “not so wise” activities. The patterns seem to follow men till they are in their late Twenties. Not to be ignored of course is the involvement of factors that affect both the male and the female gender and that can include alcohol and drug use.

The demographics is showing some changes however. Each year younger women are getting more involved in car accidents as more of them are getting their licenses at a younger age. It also shows that more women are ridding themselves of old stereotypes and are getting bolder behind the wheel. It is a possibility for the time to come that the differences may equal and at some point women may even surpass men in this category. 

Car insurance accident statistics show more than 12 million motor vehicle accidents occur annually in the United States. These same statistics reveal that the average driver will experience an automobile accident near once or twice a month and will actually be involved in a collision about every six years.

Car accidents can change the lives of some people who got experienced with them. This is one of the most common causes of personal injuries. Even a minor accident can result in severe trauma and in some cases permanent disability or death. It is important to see a doctor after you involved with car accidents. Many times injury symptoms do not surface immediately. You need to have medical documentation to back up your claims if symptoms start to hinder your daily life. Trauma brought about from an accident can result in pain and suffering, emotional distress, lost wages, medical expenses, property damage, and much more.

Car insurance accident statistics also include over five million non-fatal accidents. Thoough non-fatal does not mean accidents didn’t result in disabling injuries, but almost 2,000,000 injuries render vehicle occupants disabled. Statistics from the Insurance Research Council show that about 60 percent of these car accident people pay for their treatment. Car accidents also cause thousands of injuries and deaths each year and are the leading cause of death for people between the ages of 6 and 27.

In 2006, 2.6 million car accident victims were injured and 42,642 died. 17,602 fatalities were caused by a driver with a blood alcohol level higher than 0.1, and 15,121 fatalities by a driver with a BAC of higher than 0.8. 61,000 pedestrians died.

If you want to see more about the current car accident insurance statistics, you may visit the National Highway Traffic Safety Administration. It provides you the current accident statistics on the nationwide base and statewide’s along with many other resources on vehicle statistics and safety.