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How risky are uninsured drivers?
Swedish National Road and Transport Research Institute, Society, environment and transport, Transport economics.
2018 (English)In: Journal of Transportation Safety and Security, ISSN 1943-9962, p. 1-12Article in journal (Refereed) In press
Abstract [en]

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.

Place, publisher, year, edition, pages
Taylor & Francis, 2018. p. 1-12
Keywords [en]
Insurance, Accident, Risk, Probability
National Category
Economics
Research subject
80 Road: Traffic safety and accidents, 813 Road: Accident risk
Identifiers
URN: urn:nbn:se:vti:diva-13131DOI: 10.1080/19439962.2018.1477892Scopus ID: 2-s2.0-85048112459OAI: oai:DiVA.org:vti-13131DiVA, id: diva2:1232278
Available from: 2018-07-11 Created: 2018-07-11 Last updated: 2019-05-02Bibliographically approved

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Yarmuchamedov, Sherzod

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CiteExportLink to record
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Citation style
  • apa
  • harvard1
  • ieee
  • modern-language-association-8th-edition
  • vancouver
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More styles
Language
  • de-DE
  • en-GB
  • en-US
  • fi-FI
  • nn-NO
  • nn-NB
  • sv-SE
  • Other locale
More languages
Output format
  • html
  • text
  • asciidoc
  • rtf