车险理赔文献翻译.docVIP

2012届本科毕业设计（论文） 文 献 翻 译 题目 某公司车险理赔数据分析与研究 学 院 商学院 专 业 信息系统与信息管理 班 级 信管081 学 号 084770538 姓　 名 周小诗 指导教师 谢友才 　　　 开题日期 2011年11月6号 文献一： Effects of Pay-As-You-Drive vehicle insurance on young drivers’ speed choice 1. Introduction Worldwide, across all age groups road traffic accidents currently account for 1.27 millions deaths a year (World Health Organization, 2004?World Health Organization, 2004. Fact sheet: the top ten causes of death. Retrieved from .. World Health Organization, 2004). Furthermore, traffic accidents constitute the second leading cause of death among people in the age of 20 to 24 years, right after HIV/AIDS (Toroyan and Peden, 2007). Young drivers are strongly overrepresented in road accident statistics. In the Netherlands, young adults (aged 18–24) make up 8% of the driving population, but are involved in 22% of all severe traffic accidents. This means that per kilometer travelled, young adults in the Netherlands are 5.5 times as likely to be involved in a severe traffic accident as older adults (Schoon and Schreuders, 2003). The differences in accident involvement are often attributed to specific characteristics of young adults. For example young drivers, compared to older drivers, have been found to have a more positive attitude towards taking risks, display stronger motives for risky driving (Hatfield and Fernandes, 2009), and tend to drive at higher speeds (Boyce and Geller, 2002). Vehicle speed is commonly seen as the most important determinant of crash risk (Salusj?rvi, 1981), and crash severity ( [Joksch, 1993] and [OECD/ECMT, 2006] ). Driving at higher speeds leaves less time to respond to unexpected events and increases stopping time, thus decreasing the possibility to avoid accidents (Aarts and van Schagen, 2006). So, reducin