Comment by Retric
14 hours ago
Good here is in reference to the average crash statistics.
Most drivers are safer than the average, because you can’t go below 0 and some people are really bad.
14 hours ago
Good here is in reference to the average crash statistics.
Most drivers are safer than the average, because you can’t go below 0 and some people are really bad.
I know someone who's been at fault in at least 12+ car accidents, and she keeps driving (as someone else put it you almost have to drive in the USA). There are colossally bad drivers out there and we don't yet have a viable system for keeping them off the road.
How is she able to get insurance coverage?
Most US states have some sort of assigned risk pool which makes minimum coverage available to even the worst drivers, as long as they still have a valid license. (I'm not claiming that this is necessarily a good public policy, just pointing out that it exists.)
https://insurify.com/car-insurance/knowledge/assigned-risk-a...
3 replies →
1) What makes you think she has insurance coverage?
2) https://en.wikipedia.org/wiki/Actuarial_science
3 replies →
Strangely enough... Most US states do not require insurance. Yes, really!
In almost every state, you may post a bond in lieu of insurance, for an amount as low as $35,000!
You cannot measure driver goodness (skill and vigilance) by looking at crash statistics, because crashes are definitively circumstantial. Most very clearly bad/dangerous/unskilled/unvigilant operations of automobiles do not lead to crashes.
Population level statistics let you look for statistical aberrations that you can’t detect at the individual level.
Further suppose you define “good driving” as a set of behaviors but failed to include narcolepsy or similar medical conditions in your definition, then some of your “good” drivers would represent a significant risk to the general public. Thus the actual criteria the defines good driver behavior is accidents.
It looks like the median/mode is 1-2 car accidents (50% of drivers), and the average is 3-4. 25% of drivers have no accidents (as far as insurance companies are concerned, ie, no claims or police reports).
I'm curious how this looks with various ways of normalizing for amount driven; is that no-accident crowd the quartile of drivers who don't drive very much? The biggest factor in being in the opposite group (the 10% of drivers with 50% of accidents) is "drive all the time, commercially or otherwise".