¿Quiénes se accidentan más: hombres o mujeres?: aseguradoras muestran sus resultados
El mercado de seguros en el país debe migrar hacia un modelo de tarifas diferenciales. Foto: Imagen de ChatGPT
TL;DR
- Women have 22% more accidents than men, but their accidents cost 11% less on average.
- Accidents involving women are often minor, occurring at lower speeds or in urban traffic, such as parking or during daily commutes.
- Men tend to be involved in more severe accidents with higher economic impact.
- For drivers under 25, women have 25% lower accident rates and their accidents cost 21% less than men's.
- After age 35, accident frequency for women increases significantly, while men's tend to improve.
- For drivers over 60, women have more accidents, and each accident costs 18% more on average, resulting in 60% higher overall accident costs for women in this age group.
- The insurance sector may adjust rates based on gender and age, though some Colombian insurers use unisex pricing.
- Future insurance pricing may focus on individual driving behavior, mileage, and adherence to traffic laws, rather than gender.