Integrating Road Safety and Environmental Impact via Telematics: Modeling Traffic Accident Risk Using Vehicle Emissions

Private vehicles harm public health by contributing to air pollution and traffic accidents, the leading cause of death among young adults. Despite these risks, drivers often ignore speed limits, while society increasingly prioritizes environmental protection. This tension between personal habits and collective responsibility highlights the urgent need for strategies to promote safer driving practices. Therefore, this paper introduces a novel approach to evaluating road crash risk using air pollutants as exposure measures, so drivers are simultaneously encouraged to reduce their environmental footprint and mitigate their road crash risk. We use a rich dataset of over 1,500 at-fault crash-related claims recorded over two years provided by an insurance company, merged with detailed telematics driving data for individual vehicles. We show that available emission factor models enable the integration of emission-based exposure measures to model road crash risk. Then, we provide empirical evidence that incorporating behavioral telematics data makes pollutant-driven models as efficient as traditional distance-driven ones. Our proposition has the potential to enhance road safety and reduce air pollution by directly linking environmentally conscious driving practices with reducing road crash risks.