How many collisions do drivers over 55 have?

Answer 1

Drivers over 55 have very few accidents that they are At Fault in. Now drivers over 85 may be a different matter completely. Drivers that are 55 have great reflexes and generally have a long range of experience whereby teenage drivers do not have the experience necessary to avoid situations that cause accidents. Some behaviour also puts you into situations that cause more accidents. As you get into your 80s you still have the experience but start to loose other issues like flexibility, eyesight, etc. Different people are different in their abilities and likelihood to have accidents. Insurance companies can only look at large groups in order to set rates. This is what insurance rating is all about. When you look at groups of millions and millions of drivers you can make certain assumptions about drivers who have similar behaviour patterns and tendencies cause patterns of accidents and likelihood becomes more in some groups and less in other groups.