Why might a full moon affect claims in vehicle insurance at NIACL?

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A full moon might affect claims in vehicle insurance at NIACL due to increased wildlife-vehicle collisions during this lunar phase.

Impact of Full Moon on Vehicle Insurance Claims

  1. Increased Wildlife Collisions: Research indicates that vehicle collisions with wildlife are significantly more likely to occur during a full moon. A study from Texas A&M University found a 45.8% increase in such incidents during a full moon. This heightened risk can lead to more claims being filed with insurance companies like NIACL, particularly in areas where wildlife is prevalent.
  2. Driving Conditions: The full moon's brightness can affect driving conditions, potentially leading to more accidents. The increased visibility might cause drivers to be less cautious, while the moonlight itself can create glare or distractions, contributing to accidents.
  3. Behavioral Changes: Some studies suggest that human behavior may change during a full moon, potentially leading to more reckless driving or increased nighttime activities, which could result in more accidents and subsequent insurance claims.
  4. Statistical Evidence: There is evidence that the risk of accidents is statistically higher on the day after a full moon. This could lead to an uptick in claims as drivers may be more prone to errors or distractions due to altered sleep patterns or increased activity levels during the full moon period.
In summary, the full moon can influence vehicle insurance claims at NIACL through increased wildlife collisions and potential changes in human behavior and driving conditions. These factors collectively contribute to a higher likelihood of accidents and subsequent insurance claims during this lunar phase.