Department of Econometrics, Riskcenter, University of Barcelona, Avda. Diagonal, 690, 08034 Barcelona, Spain.
Accid Anal Prev. 2014 Dec;73:125-31. doi: 10.1016/j.aap.2014.08.017. Epub 2014 Sep 18.
We conducted a study of approximately 16,000 drivers under the age of 30 that had purchased a pay-as-you-drive insurance policy, where their risk of being involved in a crash was analyzed from vehicle tracking data using a global positioning system. The comparison of novice vs. experienced young drivers shows that vehicle usage differs significantly between these groups and that the time to the first crash is shorter for those drivers with less experience. Driving at night and a higher proportion of speed limit violations reduces the time to the first crash for both novice and experienced young drivers, while urban driving reduces the distance traveled to the first crash for both groups. Gender differences are also observed in relation to the influence of driving patterns on the risk of accident. Nighttime driving reduces the time to the first accident in the case of women, but not for men. The risk of an accident increases with excessive speed, but the effect of speed is significantly higher for men than it is for women among the more experienced drivers.
我们对大约 16000 名年龄在 30 岁以下购买按驾里程付费保险的司机进行了一项研究，使用全球定位系统从车辆跟踪数据中分析了他们发生事故的风险。新手和经验不足的年轻司机的对比表明，这两组司机的车辆使用情况有显著差异，经验不足的司机首次发生事故的时间更短。夜间驾驶和更高比例的限速违规行为都会缩短新手和经验不足的年轻司机首次发生事故的时间，而对于两组司机来说，城市驾驶都会缩短首次发生事故的行驶里程。性别差异也与驾驶模式对事故风险的影响有关。夜间驾驶会缩短女性首次发生事故的时间，但不会缩短男性首次发生事故的时间。超速会增加事故风险，但对于经验更丰富的司机来说，男性超速的影响明显高于女性。
