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AAMI Crash Index 2018: When are Australians most likely to have an accident?

By  AAMI

AAMI has analysed the Crash Index data from hundreds of thousands of claims (from 1 July 2017 – 30 June 2018) from across the Suncorp Network, to bring you the latest accident insights. This year’s AAMI Crash Index reveals that there are certain times of the day and days of the week when people are more likely to have a crash.

In particular, the 2018 data shows one day and time of the week when drivers are the most accident-prone. Explore when accidents most commonly occur, so you know when to be extra vigilant, and stay safe on the road.

Don’t switch off in the afternoon, as it’s the most accident-prone time of the day 

They say the early bird gets the worm, but the early bird also has the least amount of motor vehicle accidents – not only because birds can’t drive, but also because people are least likely to have an accident in the early morning, according to the 2018 AAMI claims data. You should always practice safe driving regardless of the time of day, however, it can pay to be extra cautious in the afternoon, which might be after a hard day at work, or when you’re in a rush to get home after a school pick-up.

People are more likely to have a motor vehicle accident in the afternoon than any other time of the day. According to the data, 27.37 per cent of all accidents occur in the afternoon, compared to 24.12 per cent in the morning. And when comparing PM to AM, 53.63 per cent of accidents occurred from midday to midnight, as opposed to 46.37 per cent from midnight to midday. While 7.26 per cent may not look like a big difference, it equates to thousands more accidents in the afternoon, which is quite significant.

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Make sure that Friday is on your mind, because it’s the most accident-prone day

According to the 2018 AAMI Crash Index data, the most accident-prone day of the week is Friday, with 16.4 per cent of all accidents occurring then. What does this tell us about road safety? Well, according to the National Road Safety Partnership Program (NRSPP), three leading causes of motor vehicle accidents in Australia are: speeding, fatigue, and distraction. So, rather than rushing home on a Friday afternoon after a tough, long week, or texting your friends to make plans for the weekend ahead – take a bit of extra time and care, and focus on the road and your surroundings to make sure you and your vehicle get home in one piece.

What day are people least likely to have an accident? Sunday – with the data showing only 10.34 per cent of accidents occurring then. While it might be said that fewer people on the road may be a contributing factor to a safer Sunday drive, staying under the speed limit (rather than rushing to work), and focusing on driving (because you’re not texting your boss to say you’re running late) could be contributing factors.

How to prevent an accident

Staying alert, observing the speed limit and avoiding distractions can be key to preventing an accident. So, being aware of times of the day (or week) when you may not be at your sharpest – and being extra vigilant during these times – can help you stay safe on the road. Some areas are also more prone to accidents than others, explore where the worst hotspots are in your city.

No matter what time of day or day of the week it is, accidents do happen. Which is why we aim to be here to help when you need us. With 24/7 claims and optional add-on roadside assistance for break downs, you’re in safe hands with AAMI.

Explore our Car Insurance, CTP (Compulsory Third Party Insurance), and Motorcycle Insurance options online today, or have a chat with our friendly insurance team now on 13 22 44 (8am-10pm AEST/AEDT, 7 days a week).


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as AAMI. Consider the Product Disclosure Statement before making a decision about this insurance. This advice has been prepared without taking into account your particular objectives, financial situation or needs, so you should consider whether it is appropriate for you before acting on it.