Do you know where that 'evidence' can be found, and exactly what it relates to?
There are an increasing number of 20 mph limits around my area, but nearly all of them in small villages which when the limit was 30 mph, had roughly zero collisions, and even closer to zero the number of collisions which resulted in serious injury or death (which events invariably get reported in local newspapers in these rural areas). There would therefore seem to have been very little scope for "statistically significant reductions".
Of course for a reduction to be 'statistically significant' says nothing about the magnitude or 'meaningfulness' of the reduction (as issue we've often seen with "Pill Scares") and, in any event (again seen in "Pill Scares") a large (
percentage) increase or reduction in risk may be of no practical relevance if the risk is tiny - we've had reports of "Pills" which 'double the risk' of something, but when what it is doubles a risk (i.e. a 100% increase) of, say "1 in 5 million women-years", it's probably not something to lose a lot of sleep over
That's a bit confusing. Does it imply that some of the data is not "UK data", or what?
Again, it would be interesting to see that 'evidence'. Per the above, in relation to the many villages around me which have fairly recently implemented 20 mph limits, I recall very very few reports of significant casualties during the pasth 35 or so years- so, as above, not much to 'reduce'.
And insurers, who tend to be statistics-based and pretty risk averse are starting to reduce premiums for drivers who live in or near 20mph areas.
One certainly has to take the behaviour of insurers very seriously, for the reasons you mention. However, I'm pretty surprised since, even if one lives in/near a 20 mph area, I doubt that driving on 20 mph roads constitutes much of a proportion of the driving they do. It would be interesting to know the nature of the claims upon which one assumes the behaviour of insurers is based.
Kind Regards, John