Wpływ generacji na ryzyko wypadków drogowych
The impact of generation on the risk of road accidents

Summary/Abstract: The paper deals with the widespread perception, popular since 2017, that millennials are the worst drivers. In motor insurance, it is commonly known that age and gender are significant determinants of accidents’ risk. Nowadays, millennials are the youngest drivers. Thus, the question arises whether, apart from the age, generation is a risk factor. The aim of this paper is to verify whether generation influences the level of the road accidents rate in Poland besides age and gender of drivers. Due to the downward trend of this rate, the relative risk of road accidents was analysed among licensed drivers in Poland in the years 2006—2017. For the analysis data of the Polish National Police, Polish Road Safety Observatory, Statistics Poland, Social Diagnosis as well as Public Opinion Research Centre were used. The percentage of licensed drivers was estimated for age and gender groups as well as the percentage of millennials in these groups, according to the generation theory. The results of the empirical study for age groups of both perpetrators of the accidents and drivers involved in accidents do not confirm the hypothesis about the impact of the generation on the risk of a road accident.

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