The Insurance Guarantee Fund summarized the data on accidents on Polish roads and reported claims. It turns out that special care should be taken on Mondays and Fridays. On these days, insurers received the largest number of claims about damages last year. In total, there were over 1.7 million events, but as much as 90,000 less than in 2021. Why this decrease?
At the end of 2022, the base of the Insurance Guarantee Fund contained 27.6 million active compulsory TPL insurance contracts and 7 million voluntary motor own damage insurance policies (AC). A year earlier, these numbers were close to 27 million for TPL and 6.6 million for AC, respectively.
Vehicle owners reported in 2022 over 1.7 million claims to insurers, including nearly PLN 1 million from third party liability insurance and approx. on account of AC insurance. In both cases, this number was lower than in 2021 – for TPL insurance by over 50,000. damages, and for AC – from nearly 40 thousand. damage.
Insurers paid PLN 14.6 billion in claims
Last year, insurers paid a total of PLN 14.6 billion in claims and benefits under motor insurance policies. In the case of third-party liability insurance, the amount was close to PLN 8.5 billion, while payments from motor own damage insurance reached over PLN 6 billion, according to data provided by insurers to the UFG Information Centre.
Most accidents on Mondays and in May
In 2022, the largest number of claims reported to insurers occurred on Mondays (approx. 284,000 including TPL and AC policies) and Fridays (278,000), definitely the least – on Sundays (120,000), when the traffic on the roads is significantly lower. They turned out to be the most dangerous months May (152,000 events) and June (151,000). The fewest damages were recorded in November, when their number amounted to approx. 125,000.
Why fewer accidents on the roads in 2021?
According to Damian Ziąber, representative of the insurance company, the lower number of claims could have been caused by the behavior of Polish drivers.
– Cautious driving may have resulted from subsequent changes in traffic regulations. Perhaps as all drivers we have become more careful knowing that it does not pay off for many reasons, including financial ones. Ziber adds. At the same time, he appeals to be especially careful on the roads in the days before and immediately after the weekend.
– Our statistics clearly show that Fridays and Mondays are the most unlucky in terms of the number of damages, which means that the prospect of spending free time should not obscure road safety Ziber says. According to UFG, the most unlucky months in terms of damages in 2022 are May and June, which, according to the representative of the Fund, should also make drivers think.
– Foot off the accelerator and eyes around the head plus the rule of limited trust. Spring is just around the corner, let’s be careful, because then a lot of damage happens – he says.
Driver, check yourself
The Insurance Guarantee Fund reminds you that from January 2023 it is available on the UFG website Electronic Central Risk Assessment System (eSCOR)which was created thanks to co-financing from EU funds.
After logging in to the UFG.pl portal, drivers can download the eSCOR report free of charge, containing their motor insurance history (OC and AC policies, claims, etc.) from the last 5 years and the eSCOR assessment.
The rating shows how a user with such a history compares to their geography and age group. The highest rating is 5 and it is received by about 20 percent. users with the best policy history in a given comparison group, another 20 percent. can count on 4, and so on up to a grade of 1, which is 20 percent. users with the weakest insurance history in a given group (e.g. short insurance period, interruptions in vehicle insurance, claims in the last 5 years, etc.).
– You can download an overall rating, based only on your insurance history, and a detailed rating, which additionally takes into account the insured vehicle and the type of insurance. These parameters may also affect the value of the assessment – explains Kamil Gala, director of the Information Resources and Analysis Department at the Insurance Guarantee Fund.
Main photo source: KPP Kartuzy