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an insurance actuarial told me: it is not the per mile that counts. what counts is the exposure time.
for example: you are stopped at a traffic light. no miles. but you are "exposed" in traffic. and while
exposed, you are rear-ended (pun?). anyway, minutes and seconds in traffic is a better predictor
(according to him) than miles driven. sort of the same with air travel, but take-off and landing
overwhelm the exposure risks. again, he said, by examining the hours actually in traffic and
compare it to the actual minutes in the air, ground travel (bicycles, cars, trains, etc.)
and air travel (balloons, hang-gliding, space, military, everything) are the same in
deaths-per-minute of exposure. injuries? ground travel was much, much worse.
an insurance actuarial told me: it is not the per mile that counts. what counts is the exposure time.
for example: you are stopped at a traffic light. no miles. but you are "exposed" in traffic. and while
exposed, you are rear-ended (pun?). anyway, minutes and seconds in traffic is a better predictor
(according to him) than miles driven. sort of the same with air travel, but take-off and landing
overwhelm the exposure risks. again, he said, by examining the hours actually in traffic and
compare it to the actual minutes in the air, ground travel (bicycles, cars, trains, etc.)
and air travel (balloons, hang-gliding, space, military, everything) are the same in
deaths-per-minute of exposure. injuries? ground travel was much, much worse.
I agree got millions miles of just what your saying between sea, land, and air. That's where technology comes in. Even in oldest cars DVR's are are now available for very little money. The multiple camera's are wireless and all the data goes straight to the internet via your phone. Actuaries and law enforcement now have data that never before existed. In the traffic mishaps in today's world most accidents will be recorded. That's a good thing.
Car accident death statistic search engine by make model and year. Some very important consumer information. I found this search engine and the search returns are by make, model and year. It also separates trucks, sports cars, pick-up's, suv's, etc.
I was surprised when reading some of the results returned by the Insurance Institute for Highway Safety's search engine. Some vehicles I though to be safe turned out not to be. This information speaks volumes about the car manufacturing industry.
Remember read the summary carefully, these searches can be made by year, via the drop-down selectors above the results. Here is the link below.
It didn't have mine (Honda Fit), so I had to look elsewhere.
It's a bit shocking to find out that the Honda Fit is in the top 3 of cars that have deaths when involved in accident. Seems that pretty much all subcompact cars are in trouble, when they are involved in accidents. As the site mentions, when a subcompact car gets into an accident with one of the many F-150s on the road, it won't end well for the subcompact. That explains the high ins. rate I have to pay.
I plan on getting a new car in a year or two and will be moving up to a midsize SUV, I think.
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That's where technology comes in.
