As a personal injury lawyer in Seattle, I have clients from all walks of life. A car accident can happen to anyone regardless of your gender, income level, ethnicity or age. However, it turns out that one group of people seem to be involved in a majority of accidents. According to this study conducted by the Insurance Institute for Highway Safety, more men die each year in car accidents than woman. The institute was founded by insurance companies with the goal of assessing the three risk factors associated with driving: human, vehicle and environmental influence.
In 2008, more than 70 percent of the people who died in fatal car accidents were men. In addition, male drivers were responsible for 70 percent of fatal pedestrian accidents and 87 percent of fatal bicycle accidents. Men accounted for over 90 percent of fatal motorcycle accidents. You may be thinking, “Well, that’s probably because there are many more men who ride motorcycles than women.”
While that’s true, the IIHS also found that men are more likely to engage in negligent driving behavior. Compared to men, women are less likely to drive beyond the speed limit, fail to wear a seat belt of drive while impaired. Because of these factors, women are likely to have lower rates on their car insurance, though it isn’t a given that just because you’re a women you’ll have less expensive premiums. Car insurance companies will look at everything from your driving record to your vehicle or even your credit score to determine your rates.