Russia (bbabo.net), - Taxi drivers are almost 8 times more likely to get into accidents than drivers of private cars. Also, a high risk of getting into an accident is observed among young drivers under 25 years old. These data are provided by the Central Bank. He began publishing in-depth OSAGO statistics on his website.
The data are given from 2018, when the discussion on the individualization of OSAGO began, to March 2021. So, according to these data, the frequency of accidents with a taxi exceeds the average frequency of accidents throughout the OSAGO market by 720 percent. And the frequency of accidents with passenger cars of individuals is 95 percent of the average frequency of accidents. Thus, the number of accidents with a taxi turned out to be 7.6 times higher than the number of accidents with cars of individuals.
It is noteworthy that the lowest frequency of accidents in relation to the average was for motorcycles and tractors - 22 and 0.28 percent, respectively. Young drivers are much more likely to be involved in road accidents than adults. Drivers under 25 are twice as likely to crash as the market average. At the age of 25-40 years - 2 percent less than the average value. Drivers over 40 are 35 percent less likely.
It is noteworthy that according to the traffic police, the largest number of accidents are committed by drivers aged 30 to 40 years. But this discrepancy is easily explained. The fact is that only accidents in which people died or were injured get into the statistics of the traffic police. Insurers and the Central Bank consider not so much an accident as the number of payments for OSAGO. That is, their statistics include all accidents for which insurers paid, including minor ones. At the same time, it does not include accidents in which the culprit was not insured under OSAGO, even if people were injured in such an accident.
Drivers under 25 are twice as likely to crash as the market average
According to the Scientific Center for Road Safety of the Ministry of Internal Affairs of Russia, with the increase in the experience of drivers, the importance of the severity of the consequences of their accidents also increases. That is, a driver with an experience of less than two years is less likely to make an accident with injuries or deaths than drivers with an experience of more than 15 years. Therefore, in the traffic police statistics, they are not in the lead. But they occupy a leading position in the statistics on OSAGO. According to the Central Bank, we have more than half - 53.6 percent - of drivers over 35 years old with a driving experience of more than 10 years.
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