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PostPosted: Fri Feb 03, 2006 18:30 
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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?


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PostPosted: Fri Feb 03, 2006 18:36 
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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.

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PostPosted: Fri Feb 03, 2006 18:46 
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There will always be drivers who respond well to driver 'training' but then there will always be the majority who think it is beneath their dignity and wouldn't admit that they need it.

If you asked drivers to rate their own driving in points out of ten how many would award themselves five or less?

How many times does a driver admit to the accident being entirely their fault?

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PostPosted: Fri Feb 03, 2006 19:21 
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Brookwood wrote:

How many times does a driver admit to the accident being entirely their fault?


The reality is that hardly any crashes are entirely one party's fault, even though one might be mainly to blame.


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PostPosted: Fri Feb 03, 2006 19:25 
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semitone wrote:
Brookwood wrote:

How many times does a driver admit to the accident being entirely their fault?


The reality is that hardly any crashes are entirely one party's fault, even though one might be mainly to blame.


Possibly because most /all insurance companies insist on no admission of guilt being made at any time - to protect their legal rights i suppose.

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