3rd party insurance payments for injuries to cyclists

Equipment and On Road Behaviour, Laws and Rules. Cycling Promotion and Advocacy

3rd party insurance payments for injuries to cyclists

Postby Aushiker » Wed Oct 17, 2012 8:50 pm

Cyclists like other motorists suffer injuries and make demands on 3rd party insurance. This paper by Hitchens and Palmer (2012), titled Characteristics of, and insurance payments for injuries to cyclists in Tasmania, 1990–2010 was published in Accident Analysis and Prevention in November 2012. The abstract from the paper can be found below and the full paper is available via the link at http://aushiker.com/maib/ for those interested.

Objective
To describe the characteristics and costs of injuries to cyclists resulting in a 3rd party insurance claim in Tasmania.

Methods
Data on injuries to cyclists were obtained from the Motor Accident Insurance Board (MAIB) for the period 1990–2010. Frequency and insurance costs of injuries to cyclists were compared to injuries incurred by other road users. Descriptive analyses of cycling injuries and insurance costs by year, age and sex of claimant, and type and location of injury are presented.

Results
Annual costs of insurance claims by cyclists averaged AUD 3.9 million. There was a significant decrease in the frequency of claims made by all road users combined over the study period, but not for cyclists. Cycling injuries made up 2.0% of claims but accounted for 3.4% of the total costs and were among the road user groups with the highest mean costs per claim. Fractures (20.7%) were the most common cycling injury. Brain injuries led to the highest mean claim costs (AUD 1,559,032), and accounted for 66.8% of claim costs made by cyclists.

Conclusions
Mean costs per claim for cycling injuries are high compared to those made by most other road users. The costs of these injuries impose a substantial burden on insurance payers. The high costs and severity of claims by cyclists compared to other road users demonstrates the high vulnerability of cyclists, and lends support to increasing separation of cyclists from motor vehicles.


Regards
Andrew
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by BNA » Fri Oct 19, 2012 5:31 pm

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Re: 3rd party insurance payments for injuries to cyclists

Postby MREJ » Fri Oct 19, 2012 5:31 pm

Yes, they should get cars off the roads. They are dangerous. They should be forced to use special car paths.
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Re: 3rd party insurance payments for injuries to cyclists

Postby zero » Fri Oct 19, 2012 7:09 pm

Yeah its a stupid analysis, based on the myopic view of payouts as the only thing that matters, when reality is that cyclists never injure car occupants.
ie the higher the proportion of cyclists, the less often payouts occur for car occupants.

Perfectly happy to see good cycle infrastructure, but insurance payouts is not the reason why.
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Re: 3rd party insurance payments for injuries to cyclists

Postby tubby74 » Sat Oct 20, 2012 9:44 am

Whilst it writes conclusion in $ terms, it all seems a bit obvious. Cyclists are less protected in an accident and so have higher levels of injuries. If putting a monetary value on those higher injury rates gets us safer road designs, great.
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