HAND-CONTROL DRIVERS: COMPARISON OF DRIVING RECORDS AND INSURANCE RATES WITH THOSE OF NONRESTRICTED DRIVERS

This study was designed to investigate whether the insurance rates for hand-control drivers differ significantly from those for nonrestricted drivers. The 663 hand-control drivers in Washington state were surveyed as to driving records, insurance coverage and insurance rates. One hundred four of these drivers were matched with nonrestricted drivers on five variables: age, sex, geographic area, number of violations and number of accidents. The nonrestricted drivers were then surveyed and further matched for size of automobile, within one size, and year of automobile within one year. Five of 14 variables were found significantly different. The hand-control driver was more likely to be a single man who owned a larger automobile. The hand-control driver carried a lower level of insurance coverage but paid a higher insurance premium per year. The insurance premium variable was significant at the 0.001 level. While insurance companies state that they do not discriminte against the hand- control driver, this study suggests that they do not consider the characteristics of the hand-control driver, but instead combine all handicapped drivers together and charge a higher premium without supporting actuarial data. /Author/

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  • Supplemental Notes:
    • Study sponsored by Social and Rehabilitation Services of the Department of HEW, Washington, D.C. Paper is adopted from a Thesis submitted in partial fulfilment of the requirements for a degree of Master of Occupational Therapy at the University of Washington.
  • Corporate Authors:

    American Congress of Rehabilitation Medicine

    30 North Michigan Avenue
    Chicago, IL  USA  60602
  • Authors:
    • Hymen, M L
  • Publication Date: 1974-10

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Filing Info

  • Accession Number: 00141976
  • Record Type: Publication
  • Source Agency: National Safety Council Safety Research Info Serv
  • Report/Paper Numbers: Thesis
  • Contract Numbers: 16-T-56818-10
  • Files: TRIS
  • Created Date: Jun 17 1977 12:00AM