How risky are uninsured drivers?

Publisher's full text

Obtaining insurance is expected to have disincentive effects on driver behavior, and as such on accident probabilities due to the adverse selection and/or moral hazard effects, though empirical studies provide mixed evidence. The risks of an accident incurred by uninsured drivers are, however, indeterminate as well, because of the unavailability of individual level data on uninsured drivers. Therefore, the purpose of this article is to empirically analyze whether insured or uninsured drivers pose greater accident risks. It uses unique individual level data on privately owned insured and uninsured passenger vehicles in Sweden for the period 2006 to 2010. The results show that the accident probability of uninsured drivers is 34 percentage points higher than for insured drivers, with uninsured drivers age 25 to 34 years posing the highest risk of an accident. This implies that uninsured drivers are a high-risk group and a significant threat to traffic safety. Possible solutions and policy implications are discussed at the end of the article.



Vision Zero for Sustainable Road Safety in the Baltic Sea Region

The conference Vision Zero for Sustainable Road Safety in the Baltic Sea Region is held i Vilnius, Lithuania. VTI is part of the organisation committé and also one of the speakers.



EU-project VIRTUAL: improving road safety with virtual crash tests

Crash tests are used to improve safety on roads. Therefore the EU now funds a research project to develop virtual methods of crash testing. VTI coordinates the project, called VIRTUAL. The project now invites experts interested in Human Body Modeling to join...


EU project protects cyclists and pedestrians

According to the World Health Organisation, more than one quarter of road traffic fatalities in 2010 were pedestrians and cyclists. Every year, about 335,000 unprotected road users die because of traffic accidents, which shows the scale of the problem. The EU...


Swedish organisations in EU project on traffic safety and crash testing

Crash safety testing is one of the tools used to improve safety on roads. The EU is therefore funding a research project that started recently to develop virtual methods of crash testing. The long-term goal is to supplement the physical evaluation of crash...


International Conference on Electric Road Systems starts today

Electric Road Systems (ERS) is a relatively new concept with many initiatives on the way. To learn from each other and stimulate new collaborations the Swedish Research and Innovation Platform for Electric Roads arranged the first international conference...


Same survey of road users’ attitudes in 50 countries

At the Road Safety on Five Continents Conference, RS5C, one entire session presented a large survey of road users' attitudes in 38 countries. Results show large differences between countries in many areas, both regarding behavior and attitudes. A new survey...


Good results with alcohol interlock program according to Swedish study

An alcohol interlock program makes it possible for drink driving offenders to continue their everyday lives. In a Swedish study most of the participants were satisfied with the program and experienced improved health. They also reported drinking alcohol more...