The accident liability of British car drivers

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Abstract
Data had been collected from a structured sample of just over 18 500 drivers using a postal questionnaire, to determine the relationship between their accident liability—defined as the expected number of accident involvement per year—and their exposure to driving, age, driving experience, sex and socio‐economic group. The statistical model developed from this data suggests that accident liability is dependent mainly on the driver's exposure (total annual mileage), age and driving experience measured as the number of years since passing the test. Accident involvements per year are not directly proportional to mileage. Accident involvements per year fall with both age and driving experience; the effect of experience (the learning curve) is particularly steep. Men have higher accident liabilities than women at all ages. The differences between the socio‐economic groups are small.

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