Does longevity impact the severity of traffic crashes? A comparative study of young-older and old-older drivers

This article analyzes the effect of driver's age in crash severity with a particular focus on those over the age of 65. The greater frequency and longevity of older drivers around the world suggests the need to introduce a possible segmentation within this group at risk, thus eliminating the generic interval of 65 and over as applied today in road safety data and in the automobile insurance sector.

We investigate differences in the severity of traffic crashes among two subgroups of older drivers -young-older (65-75) and old-older (75+), and findings are compared with the age interval of drivers under 65. Here, we draw on data for 2016 provided by Spanish Traffic Authority. Parametric and semi-parametric regression models are applied.

We identified the factors related to the crash, vehicle, and driver that have a significant impact on the probability of the crash being slight, serious, or fatal for the different age groups.

We found that crash severity and the expected costs of crashes significantly increase when the driver is over the age of 75. Practical Applications: Our results have obvious implications for regulators responsible for road safety policies - most specifically as they consider there should be specific driver licensing requirements and driving training for elderly - and for the automobile insurance industry, which to date has not examined the impact that the longevity of drivers is likely to have on their balance sheets.