A useful new document for those interested in this area . Unfortunately it does not discuss more radical possibilities of insurance industry getting involved in vehicle inspection /testing or even in driver testing. At present this is left to government agency personnel who have no direct long term benefits from stricter testing and in some cases may even engage in corruption for their personal short term gain
In Marine safety, the insurance company itself tests the vessels it insures for seaworthiness and tests / certifies the Navigators for competence . It does so well and thoroughly because it has direct financial benefits in reducing their risks
If we are really serious about improving road safety, especially in developing world where 90% of global deaths occur and where we know many vehicles are often very old and unroadworthy, we need to look for new and more radical ways to address the problem .