semitone wrote:
SafeSpeed wrote:
It matters to an insurance company offering a discount because they might move a risky group into the IAM category because of the discount.
Are they still 'risky' if they are capable of passing the IAM test?
That's what we don't know. We don't know because those who have passed may have been self selected from a low risk group.
We could guess intelligently, of course, but insurance companies aren't very inclined to do that.
Unfortunately there's quite a bit of evidence out there that 'driver training doesn't work'. The problem is basically that if you give drivers greater skills at handling a car, they tend to use those skills which tends to reduce their margin and increase their crash rate.
I'm absolutely certain that we can reduce crash rates by giving training in aspects like observation, attitudes and risk assessment. And especially by working with the cultural and belief based parts of the system.