According to Yahoo News, auto insurance companies charge males much more than they charge females for car insurance. In fact, a 25-year-old man will end up paying as much as $400 a year more in motor vehicle collision insurance premiums than a women, even if they both have the same clean driving record with no tickets and no accidents. The gap narrows some as men and women age, but it does not go away completely and men still end up paying many thousands of dollars more in insurance premiums during their lifetimes.
Insurance companies set premiums based on the risk that someone will become involved in a collision. As a result, the discrepancy in insurance premiums suggests that men are worse drivers than women. The question: is that true, and do men tend to become involved in more collisions? Understanding who is at the greatest risk on the road is important for accident prevention efforts. When an accident does happen, victims also need to know their rights and should consult with a personal injury lawyer for help.
Men vs. Women: Who is a Better Driver?
Yahoo suggests that both men and women are terrible drivers, but in different ways. Men are more likely to become involved in serious motor vehicle collisions that cause fatalities, major injuries or total damage to a vehicle. Women, on the other hand, are likely to get into more car accidents but the collisions tend to be fender-benders or minor crashes that cause minimal damage.
In 2012, 71 percent of the drivers killed in collisions in the United States were men. Men drive drunk at higher rates, and they engage in more aggressive driving behavior then women do. By contrast, a University of Michigan Study showed that in every age group over the age of 25, women get into more collisions despite the fact that men drive much more often than they do.
Other research confirms this. A Reader’s Digest report showed that men are more proficient than women at many driving tasks, but that they take more risks than women do. As a result, when they get into a collision, it is likely caused by either aggressive driving or high-risk behavior rather than lack of driving ability.
A Daily Mail report indicated that out of 6.5 million motor vehicle collisions from 1998 and 2007, there were a higher than anticipated number of collisions involving two women drivers. Women were found to be more likely to become involved in collisions at intersections than men were. Yahoo’s report also warned women of the higher risk of intersection accidents.
Calculations regarding who is safer among men and women are also being changed by technology. Teenage girls are twice as likely as teenage boys to text or talk on the phone while driving, which is a very high-risk behavior. As a result, insurance companies may need to re-evaluate their rates if more young women drivers start to cause collisions while on the phone.
Our personal injury attorneys in Philadelphia are dedicated to fighting for the rights of accident victims. Contact Flager & Associates at 215-953-5200 today to schedule a consultation.