The potential for insurance markets to reduce road trauma Samantha Cockfield, Manager Road Safety
Outline TAC at a glance Role in road safety Road trauma the strategy Key reduction measures safer roads & roadsides safer speeds safer people safer vehicles Results & Conclusion
TAC AT A GLANCE. > Victorian compulsory TP insurer > a hybrid no-fault/common law scheme > covers people injured in a transport accident on a no-fault basis caused by the driving of motor vehicle, train or tram > limited common law rights for pecuniary loss and pain and suffering for the seriously injured > medical excess and mandatory police reporting to reduce frivolous claims 3 TAC Scheme Overview July 2011
TAC Role in Road Safety Section 8. Objects of Act (a) to reduce the cost to the Victorian community of compensation for transport accidents; (d) to reduce the incidence of transport accidents; Section 11. Objects of the Commission (a) to manage the transport accident compensation scheme as effectively, efficiently and economically as possible; (c) to ensure that the transport accident compensation scheme emphasises accident prevention and effective rehabilitation Transport Accident Act 1986
Arrive Alive 2 (2008 2017) arrive alive 2008-2017 Aims to reduce deaths and serious injuries by 30 per cent Aims to reduce the severity of injuries 10 year strategy 3 short term action plans
What does the TAC do? TAC invests in Road safety Trauma services Health care Disability support Motorist insures when registering their vehicle Any personal injury TAC funds Treatment Income Rehabilitation Lifetime care
It all started with seatbelts 1100 1000 900 Expanded Mobile Speed Camera operation 1990 TAC Mass Media Campaigns 1990 - $240M Blackspot Program 2000-03 800 700 600 500 Seat Belts 1970 400 300 200 100 Random Breath Tests 1977 Radar Guns 1982 Expanded RBT operation 1990 0 1970 1971 1972 1973 1974 1975 1976 1977 1978 1979 1980 1981 1982 1983 1984 1985 1986 1987 1988 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000
And has continued over 40 years 500 480 460 440 TAC Wipe Off 5 Speed Campaign Aug 2001 Reduced limits in high activity areas Aug 2003 Safer Infrastructure program June 2004 Implementation of Graduated Licensing System Jan 2007 420 400 380 360 50 km/h urban default Jan 2001 Random Roadside Drug Testing Dec 2004 Hoon Legislation July 2006 Peer passenger restrictions July 2008 340 320 300 280 Jan-01 Apr-01 Jul-01 Oct-01 Jan-02 Increased covert operation & reduced speed enforcement threshold Feb 2002 Apr-02 Jul-02 Oct-02 Jan-03 Apr-03 Jul-03 Oct-03 Jan-04 First Alcohol Interlock May 2003 Apr-04 Jul-04 Oct-04 Jan-05 Apr-05 Jul-05 Oct-05 Jan-06 Apr-06 Jul-06 Oct-06 Jan-07 Apr-07 Jul-07 Oct-07 Jan-08 Apr-08 Jul-08 Oct-08
800 Victoria s Road Toll The 776 Challenge 700 600 500 400 300 548 503 396 436 378 418 418 377 390 384 407 444 397 330 343 345 337 332 303 290 288 237 200 100 0 1989 1990 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Victoria s fatality rate is now among the lowest globally By the end of Arrive Alive II (2017) the target is 237 2017
Safe System Evidence Based Behavioural - speed Safer Vehicles Behavioural - other Safer Infrastructure Where gains are most Likely* *Monash University Accident Research Centre 2008
TAC Road Safety 2010/11 Road Safety Budget $84.3m Safer Road Infrastructure Program $29.5m Public Education (mass media, social media, sponsorships) $5m Safety Programs (Enhanced Enforcement, Schools Programs, Trials) $3m - Research and Evaluation Funding Gov projects approx $5m
Safer Roads SRIP $650m+ (2008-2017) BCR 3:1 Targeting high risk locations: Intersections Run-off-road Innovation Route treatments
Safer Roads - Evaluation SRIP 1 SRIP 2* SRIP 3* Sites Treated & Evaluated Casualty Crash Reduction Serious Casualty Crash Reduction Overall BCR to Community Cost $M (AUS) 109 24% 31% 2.4:1 $130 245 33% 44% 4.5:1 $110 210 31.5% Not Yet Available# 2.4:1 $650+
Safer speeds Key initiatives Focus on making speeding unacceptable Boosted camera enforcement Wipe off 5 public education Default urban speed limit of 50 km/h Time-based reduced speed zones in high pedestrian areas
Police Enforcement Safer Speed Support Central Operations Xmas and Easter Increase perceptions of enforcement (rural) Support sustained police effort Educate through breath testing at events
Christmas Enforcement
Safer People Public Education Objectives Place the road safety issues on the public agenda Increase peoples perceived risk of being involved in a crash Provide a rationale for the police to undertake enforcement activity Increase motorists perceived risk of detection Provide information to support decision-making to adopt safer forms of behaviour.
Safer People Motorcycle Riders Tailor messages for specific segments Continue the promotion of protective clothing Promote ABS for motorcycles Focus on Speed and the impact Consider off-road riding issues
Vehicle safety the rationale?
Safer Vehicles its potential
Safer Vehicles Public Education Campaign Web based (Howsafeisyourcar.com) Mass media campaigns (safer cars, ESC & Side Curtain Airbags) Event promotions Formula 1 GP, Melbourne Motorshow) Increase purchase of safe cars for use by young people Partnerships with vehicle manufacturers & suppliers eg Ford and Bosch Australia
Side Curtain Airbags
Outcomes ESC and Curtain Airbags % Standard Fitment 80 70 60 50 40 30 20 10 0 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 ESC - Vic ESC - Rest Front Curtain Airbags - Vic Front Curtain Airbags - Rest
ESC/ESP on the World Stage
The Outcomes TAC claims involving acute hospital stay >1 day Rolling 12 months total 3600 15 Claims received per 12 months 3000 2400 1800 1200 600 Acute hosp>1 claims 0 Dec-87 Dec-88 Dec-89 Dec-90 Dec-91 Dec-92 Dec-93 Dec-94 Dec-95 Dec-96 Dec-97 Dec-98 Dec-99 Dec-00 Dec-01 Dec-02 Dec-03 Dec-04 Dec-05 Dec-06 Dec-07 Dec-08 Dec-09 Rate per 10,000 vehicles 12.5 10 7.5 5 2.5 Rate per 10,000 registered vehicles 0 Date of crash
Outcomes - Road Toll Trend 800 776 700 600 500 400 300 200 100 0 1989 1990 548 503 396 436 378 418 418 377 390 384 407 444 397 1991 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 330 343 345 337 332 303 290 288 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 Victoria s fatality rate is now among the lowest globally By the end of Arrive Alive II (2017) the target is 237 2014 2015 2016 2017 237
Conclusion Primary aim is to reduce the number of people being killed and injured But have role in reducing cost to community and Maintaining scheme viability the reduction in claims received and average claims cost.