Longevidad de los conductores y antigüedad de los vehículos: impacto en la severidad de los accidentes

Abstract

Differences on the traffic accident severity between new and old vehicles are analyzed, taking into account the association between the age of the vehicle and the age of drivers. We showed that the ageing of the Spanish vehicle fleet is associated with the severity of motor injuries, especially significant in case of drivers over 75 years driving vehicles older than 12 years. The age of the driver and the age of the vehicle are two main risk factors considered in insurance pricing. In addition, the severity of claims has a direct impact on the estimation of reserves.