Personal Injury Lawyers

Why Do Men Pay Higher Insurance Premiums Than Women?

Insurance companies charge premiums to motorists based on what the company believes the risk of a payout is. When it comes to auto insurance, men pay much more in premiums for coverage than women according to a recent Yahoo News report. This, in theory, could suggest that male drivers are not as safe as female drivers. However, is this actually the reason for higher insurance rates among male drivers?

Insurance companies are responsible for compensating injured victims for losses that the insured causes when a collision happens. If you or a loved one is injured by a dangerous or careless driver, contact a personal injury lawyer for help pursuing a claim to recover monetary compensation for losses.

Why Do Men Pay Higher Insurance Premiums Than Women?

Evidence suggests that the reason men pay higher insurance premiums than women do is because men generally become involved in more serious motor vehicle accidents than their female counterparts. While women may be involved in more fender benders and may also be involved in more intersections at collections, male drivers are more likely to be involved in collisions where a vehicle is totaled. Men are also much more likely to die in crashes, or to cause other motorists to suffer serious injuries or fatalities. In fact, men account for 71 percent of the people killed in collisions on U.S. roadways.

The difference in premiums is very substantial when comparing men to women. As Yahoo reports, a 25-year-old man who lives in Oakland California and who has not ever had a ticket or an accident will end up paying as much as $385 higher premiums for car insurance compared to a woman with the same driving profile of the same age. As the man and woman get older, the gap narrows but still exists. Over time, the male driver will end up paying many thousands more in insurance costs than the female driver.

This is true despite the fact that a Reader’s Digest report shows that men may be better at certain driving skills when compared with women. The Reader’s Digest report confirms the fact that men are more likely to take risks and get into serious accidents. When a crash is caused by a male driver, the accident was more likely to have happened because of bad choices rather than because the male driver had insufficient driving skills.

The Daily Mail also affirmed the important differences between male and female drivers. The article talked about research conducted from 1998 to 2007, during which time there were 6.5 motor vehicle collisions that were studied. The researchers found a surprising number of collisions involving two female drivers. There was also a high number of accidents at intersections involving female motorists.

Unfortunately, a serious accident that totals a car or that results in injury or death is going to cause much more financial loss. Insurance companies know there is a greater chance of a very expensive accident with a male driver, and this is why men pay more than women do for car insurance.

Accident lawyers in Washington, D.C. can help if you have been injured in an accident. Contact the Mike Slocumb Law Firm at 1-800-HURTLINE.

Back to School Safety Advice to Prevent Child Injuries in Washington D.C.

When kids head back to school for the year, they face new risks that they did not experience during the summer months. Schools have the responsibility of ensuring that pupils are kept safe during school hours. Parents should also do their part to ensure that kids know safety rules and do not engage in high-risk behavior.

If a child is injured in a bus accident or due to negligence at school, parents need to understand their rights to make an injury claim. A personal injury lawyer can provide representation to victims and their loved ones.

Back to School Safety Advice

For children under the age of 15, unintentional injury is a leading cause of death. The Centers for Disease Control and Prevention reports that there were 5,401 young people who were killed over the course of the year. Preventing accidents can reduce the number of children who lose their lives.

The National Safety Council has some tips for safety practices to follow to prevent injury as kids go back to school. The NSC’s checklist includes transportation safety tips such as:

  • Ensuring that children who walk to school know the rules for staying safe including walking on sidewalks when possible and always looking both right and left before crossing the road.
  • Doing a practice walk to school with kids, especially if it is their first time walking on their own or if they will be taking a different route to school.
  • Providing kids who bike to school with a helmet that fits properly and requiring the helmet be worn at all times when bicycling. Bicycle riding children should also be reminded that they must ride on the correct side of the road and that they should come to a full and complete stop before they cross.
  • Requiring that kids who take a bus to school stand at least six feet back from the curb while waiting for the bus and cross at least 12 feet in front of the bus.

Playground accidents are also a risk for young people. Children should not be allowed to play on playgrounds that are located above concrete, grass or a dirt. Schools that provide playground facilities need to ensure that there is a soft surface below the playground in case a child falls. In addition, kids should be supervised carefully at all times, and the use of climbing equipment should be limited. School playgrounds should not have monkey bars available and parents should not allow kids to climb on monkey bars.

Finally, kids face the potential for back injuries as a result of heavy backpacks. It is advisable for parents to make sure that kids have a backpack that fits them properly and that does not weigh more than 10 to 20 percent of a young child’s body weight. Kids should be encouraged or required to carry the backpack with the straps over both shoulders.

By following these best practices for safety, hopefully kids can have a safe and fulfilling school year and the risk of injuries will be reduced.

Accident lawyers in Washington, D.C. can help if you have been injured in an accident. Contact the Mike Slocumb Law Firm at 1-800-HURTLINE.