Determining the effectiveness of the issuance of third-partyinsurance based on driver's characteristics in the preventionof accidents"
research of determining the effectiveness of theissuance of third-party insurance based on driver's characteristics in theprevention of accidents has been done in Iran country. Scientific researches ontraffic accidents and their causes indicate that the human factor has asignificant difference in the incidence of accidents, compared with otherfactors. In other words, human and his mistakes can be considered as the mostimportant reason for a driving accident. Thus, many years ago, in manycountries around the world, stringent regulations and regulations on theissuance of third-party insurance have been introduced based on driverattributes for applicant. The general objective of this study is the effectivenessof the issuance of third-party insurance on the basis of driver's characteristicsin preventing accidents.
this research is practical in type of aim and descriptive-analytical intype of method in terms of survey. The statistical population of this study wasexperts and specialists in traffic and insurance and snowball method was usedfor statistical selection. For this purpose, three linear models for totalaccidents, high-risk driving violations and fatal accidents have been developedusing generalized linear regression modeling.
results of this study show that the history of driver accidents, historyof high-risk driving violations, driver's occupation and strict rules so thatmakes it difficult to renew insurance policy ,variables related to the issuance ofinsurance policies are based on the driver's attributes, which have a seriouseffect in reducing accidents.Discussion and
Studies have shown that in almost all cases, theimplementation and enforcement of such laws have had a positive impact onthe reduction of accidents. This article evaluates this claim
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