skadestatistik

Skadestatistik refers to the collection, compilation, and analysis of data on damages and losses. The term is commonly used in insurance, public safety, and economic research to describe the frequency, severity, and financial impact of various damaging events. It encompasses damages such as accidents, property losses, and health-related claims.

Data sources and metrics: Skadestatistik relies on claims databases, police reports, hospital records, and industry surveys. Key metrics include incidence (number of incidents per population or exposure unit), frequency, average cost per claim, total losses, and distribution by cause, location, or demographic group. Time trends and seasonal patterns are also analyzed.

Scope and applications: In road safety, skadestatistik tracks traffic accidents, injuries, and fatalities. In insurance, it informs pricing, reserve setting, and risk assessment. In property and workplace safety, it supports policy evaluation, safety programs, and urban planning by highlighting high-risk sectors or areas.

Limitations: Data quality and comparability can vary due to underreporting, differences in coverage, and definitional variations. Privacy and data protection requirements may restrict access. Lag between events and publication can affect timeliness.