Canadian Underwriter

What else needs to be paired with the new traffic enforcement plan?

November 18, 2019   by Adam Malik

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Toronto’s top cop has admitted that having fewer traffic officers has led to an increase in collisions and deaths on city streets. Insurance industry data backs that up, and Insurance Bureau of Canada (IBC) hopes a concerted effort that includes education on top of a new enforcement initiative will help in reducing crashes that are also driving up costs for insurers.

“We want everyone to be a safe road user and driver,” said Pete Karageorgos, director of consumer and industry relations‎ in Ontario with IBC.

Toronto Police Chief Mark Saunders outlined his desire for a new unit to oversee crash-prone areas around the city in a new report. The goal is to bring enforcement up to help bring collisions down. The “Vision Zero enforcement team” is a reincarnation of sorts of a defunct unit that operated between 2003 and 2012.

During that time, there was a correlation between increased enforcement and decreased collisions. It monitored “highly visible, pro-active and focused on high collision locations, community safety zones, high speed areas and other locations where the public was at risk.” It saw a 125% increase in provincial offences tickets as the total number of collisions by almost 25%. In 2010, about 700,000 tickets were handed out. In 2018, that number sat at around 200,000. Collisions, meanwhile, jumped from about 60,000 to 80,000 after the program disbanded.

Much of the same trends were seen in data from GISA (General Insurance Statistical Agency). Direct compensation claims frequency in the GTA from 2013-2018 were up 15.4%, Karageorgos told Canadian Underwriter. And there was a 19% increase in collision claims frequency. In an era where carriers are paying out more in collision claims due to the increased costs to repair vehicles, seeing a spike in frequency has only made matters worse.

“That’s going to translate to higher premiums,” Karageorgos said.

Pairing education to the enforcement efforts and driving home the message of the benefits of safe driving – from ensuring more focus on the road or putting on winter tires – would go a long way to reducing crashes, Karageorgos said. It’s something the likes of IBC, insurance companies and governments have been trying to get across

“It would be best if people just followed the rules of the road and drive safely and appropriately for the road conditions,” he added. That way, Toronto Police wouldn’t be forced to look at “re-establishing a program of enforcement.”

The increased enforcement initiative by Toronto Police is indeed welcome, as is any effort to increase road safety. “If that is a way police can support road safety, I think, as road users and insurance companies that want to see a reduction in the number of collisions, we’re supportive of any effort and any campaign that makes our roads safer,” Karageorgos said.

While not every enforcement action leads to a conviction that would show on a driving record, “our hope is that drivers get the message,” he said.

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1 Comment » for What else needs to be paired with the new traffic enforcement plan?
  1. Bob Braan says:

    Winter and All Season tires are becoming obsolete. Especially for those still running All Seasons all year. Buy All Weather tires instead. They are totally different than All Seasons and a fairly new option. BETTER than some winter tires for ice and snow, you can leave them on all year (no new rims or tire pressure sensors needed) and they are rated to last 100K km. Winter tires are only rated to last 40K km. Nokian WR G3 and Toyo Celsius are two of the best.  They have the winter tire mountain snowflake symbol.The cost of changing tires twice a year and storage can equal the tire cost over the life of the tire. 
    Search YouTube for “Tip of the Week: All Weather Tires”.

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