It seems that some professions are more likely to result in car insurance claims than others, with new research from Gocompare.com Car Insurance suggesting that general practitioners are the most likely of any occupation to make a claim. Some 13 per cent of GPs were found to have made at least one at-fault claim in the past five years.
The top ten professions with the highest proportion of car insurance claims were revealed as being GPs, hospital consultants, outreach workers, hospital doctors, surgeons, health visitors, insurance consultants, psychotherapists, dental surgeons and psychologists.
It’s certainly interesting to note that eight out of the top ten positions from the research are dominated by health or medical professionals.
Honorary research fellow at the University of Exeter and Director of Haddleton Knight Dr Craig Knight (who specialises in the psychology of working environments) commented on the results, saying that healthcare jobs do seem to more likely to attract high risk car accident factors.
He suggested that this is because such professionals often have to make shorter journeys in urban areas, where most accidents take place, or they’re driving in hospital car parks which are renowned as being accident blackspots.
In addition, the job is especially demanding and GPs and others have to consistently work with people who are typically stressed, which can often be passed on to the doctors themselves – sure not to help with concentration while driving. “The roles carry a significantly raised degree of cognitive load - making decisions that will affect somebody’s chances of sustained well-being or survival which can lead to distracting thoughts whilst driving,” Dr Knight added.
If you do find yourself involved in a car accident, it is advised that you don’t admit at the scene that it was your fault, as this may prove to be a hindrance to your case should it end up in court. You’ll need to exchange names and other details with whoever else is involved, and also try and get the details of any independent witnesses. Make a note of the registration number as well if someone refuses to give you their details, as you may be able to trace them this way instead.
Whatever you do, never leave the scene. You must always stop if you’re involved in an accident – if you fail to do so, which is illegal, you could make your situation far worse than it needs to be. Make sure the car engine is turned off and that your hazard lights are activated to alert other road users to the fact that an incident has occurred. Call the police and an ambulance if required. You might want to consider having a dash cam installed in your vehicle so that if something does happen it’ll all be captured on film.
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