Do Insurance Companies Discriminate on Car Insurance Policies? 

2023-05-15T19:10:38+10:0015/05/2023|General, Motor Vehicle|

Do Insurance Companies Discriminate on Car Insurance Policies? 

Insurance companies rely on factors such as age, gender, type of car and living location when determining how much a policy owner will pay in premiums. In 2021, a year where people have been more vocal and impassioned about their rights, it feels strange that such discrimination goes on without protest. Insurance companies are protected because anti-discrimination legislation has an exemption for insurers if they satisfy that their discrimination is based on statistical data which is reasonable. 

So Why Are Men Paying More for Insurance?  

Statistics do not paint a pretty picture for male drivers. Men are nearly twice as likely to be hospitalized after a car accident and nearly three times as likely to die in car accident. In both fatal and non-fatal car crashes, men are statistically a higher risk and consequently they pay for this risk in their premiums.  

https://www.bitre.gov.au/statistics/safety

Are women better drivers? 

In short, no. The statistics of traffic injuries and deaths because of traffic accidents don’t reflect the levels of competence and driving skills between male and female rather it is associated with patterns of high risk behavior when driving. 

Data consistently show that men are more likely than women to be driving or walking on the road under the influence of alcohol.

Studies in risky driving behaviour have shown men are more likely to speed, pass cars in no passing zones and taking driving risks for fun. 

There is also evidence that shows that men tend to be more aggressive than women. When driving men can display a more competitive and hostile behaviour which leads to increased probability of an accident. 

Let’s Change the Statistics 

Awareness and driver education is key.  There are some very powerful norms about risk taking behind the wheel and manhood and this consequently has shaped poor driving behaviour.

http://www.sirc.org/publik/driving.pdf  The Social Issues Research Centre 2004)   

https://www.alrc.gov.au/publication/grey-areas-age-barriers-to-work-in-commonwealth-laws-dp-78/4-insurance/anti-discrimination-legislation-and-the-insurance-exemption/

https://www.bitre.gov.au/statistics/safety

WHO Department of Gender and Women’s Health, Gender and Road Traffic Injuries

https://www.mengage.org.au/images/Road_Traffic_a85576.pdf

What Does CTP Insurance Cover – Revolution Law

2023-05-18T17:59:28+10:0018/04/2023|General, Motor Vehicle|

What does CTP Insurance Cover?

Your CTP Insurance is more valuable than you think – even if you are the at-fault driver. See our handy guide below. Sometimes there are mitigating circumstances (for example ‘contributory negligence’), so jump in and contact us with questions. We are happy to give you a FREE consultation with one of our experienced personal injury lawyers. 

If you are the

NOT at-fault  driver

Upfront funded medical treatment and travel expenses to obtain treatment.   Compensation available for future medical treatment, treatment expenses such as medication and rehabilitation, domestic assistance (if needed), past and future economic loss (including time off work), and damages for ‘pain and suffering’.  

YES

Passengers in the car of the “at fault” driver?

Upfront funded medical treatment and travel expenses to obtain treatment.   Compensation available for future medical treatment, treatment expenses such as medication and rehabilitation, domestic assistance (if needed), past and future economic loss (including time off work), and damages for ‘pain and suffering’

YES

At Fault Driver

In general no, but if the injury is severe the National Injury Insurance Scheme may be able to assist with treatment, care and support.  https://niis.qld.gov.au/about-niisq/are-you-eligible/

NO

At Fault Driver

Protects from financial claims for injuries caused to others in the car crash. 

YES

‘Not-at-fault’ pedestrians & cyclists who are injured by a vehicle.

Upfront funded medical treatment and travel expenses to obtain treatment.   Compensation available for future medical treatment, treatment expenses such as medication and rehabilitation, domestic assistance (if needed), past and future economic loss (including time off work), and damages for ‘pain and suffering’.  

YES

Driver in a “blameless accident.”

Coverage of injuries in a “blameless” accidents e.g. the driver has medical episode, crashes whilst trying to miss an animal on the road, a tyre blowout, rocks thrown at windscreens or a single-vehicle crash. 

If the accident is severe, the National Injury Insurance Scheme Queensland can provide support

NO

Passengers in a “blameless accident.”

Coverage of injuries from a “blameless” accident eg- injuries from the driver having a medical episode or crashes whilst trying to miss an animal on the road, a tyre blows out, rocks thrown at windscreen, a child running out onto the road or single-vehicle crash.

Depends – Contact us for an assessment.

Other

Coverage to injuries whilst using non-registrable vehicles such as bicycles or skateboards.

See our blog for insurance details for  Hire Scooters

NO

Property Damage

Damage to any vehicle or other property in a crash.

NO

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