Keith Vodden Dr. Douglas Smith - Transports Canada

Ontario Model
individuals who self-insure will be captured by out-of-pocket expenses estimated below.)
Finally claims related to snow machines may not involve a motor vehicle or be HTA
reportable. We estimate property damage in 2004 at $1.8 billion. We allocate this total
amount to vehicles damaged in 2004 as follows:
• Demolished -- $20,070.
• Severe -- $10,756.
• Moderate -- $4,565.
• Light -- $996.
We use these values in 2004, and values adjusted for inflation in other years, to
allocate property damage to vehicles involved in motor vehicle collisions by damage
severity.
9. Out of pocket expense by those involved in motor vehicle collisions
Those involved in motor vehicle collisions may incur out-of-pocket expenses:
• Not covered by insurance, including the insurance deductible of the at fault party
and car rental, hotel or other expenses not covered under the policy.
• Not claimed under insurance, possibly as a result of a low dollar value of total
claim.
• Not insured, for example in the case of an uninsured driver.
Based on data from the 1993 General Social Survey of Statistics Canada, 52.1%
of individuals 15 years of age or older (based on coverage of the survey) involved in
motor vehicle collisions on roadways in Ontario incurred out-of-pocket expenses that
were not reimbursed by another party. In 1993, the average out-of-pocket expense was
$719 ($882 in 2004$).
Based on data found in ORSAR for 2004 we estimate 1.3 survivors of collisions
16 years of age and older (a proxy to those 15 and over) per vehicle involved in injury
and fatality collisions. We apply this factor to all vehicles involved in collisions and
estimate a total out-of-pocket cost for them of $206 million in 2004.
10. Social Costs of Traffic Delays
In this section of the report we estimate traffic delays cause by motor vehicle
collisions and the resulting impact on:
• Time losses.
• Fuel use.
• Extra pollution
TNS Canadian Facts, Social and Policy Research 37