Tuesday, June 21, 2016

Explaining Risks by Age Group

Auto insurance companies have been perfecting the art of statistical analysis for decades, and this analysis is what allows them to set premiums for policies that are defined by the risks an individual driver presents.  One of the main variables that’s used to determine risks is the age of a driver, and as you’ll see below there are obvious differences in the number of collisions that occur with drivers of different ages.  If you or someone you love has been harmed by a negligent driver of any age, seek the help of experienced New York auto accident lawyers as soon as possible.

The Lowest Risk
Of the age groups where a large percentage of that group still drives, those motorists who are between the ages of 50 and 70 present the lowest statistical risk for New York car accidents.  Overall, the number of people injured in accidents who fall between these ages sits at approximately 20 percent of all collisions that occur in the state, or approximately 36,000 people of the 187,000 who are injured in the state every year.  This speaks to the obvious experience level of drivers of this age as well as the general notion that motorists in this age group have not yet experienced a precipitous downturn in motor skills, vision or reaction times.

The Highest Risk
As one would likely expect, motorists who fall between the ages of 18 and 49 present the largest risk of being involved in New York car accidents, and younger drivers are of particular risk.  Overall, drivers in this age range account for nearly two-thirds of all of the injury-related New York car accidents, and drivers in their 20’s account for the largest portion of this percentage.  Once again, the reasons for this statistical reality should be clear.  Younger drivers are less experienced, more likely to become distracted and more likely to drive aggressively than older drivers.

How New York Auto Accident Lawyers Can Help
While there are certain age groups that tend to be more and less risky as motorists in the state, accidents can and do continue to happen at any time, in any place and involving drivers of any age.  If you or someone you love has been harmed by a negligent driver, you need to seek the help of New York car accident lawyers who understand the realities of the road, the laws that govern these situations and how to properly hold those responsible for these accidents accountable.

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