Young drivers have long been the victims of crippling insurance premiums. The insurance industry claims that a major reason for the disparity in pricing between young people and older drivers is that the former have a poorer claims record than any other category of driver. These assertions may have some validity. In the NRA report of 2000, it was stated that 25% of all injury accidents reported to the Garda involved at least one young driver. Furthermore, accidents involving young drivers tended to be more severe, thereby producing higher claims from affected parties. Compared to older drivers, young drivers are deemed to be responsible for a higher proportion of the fatal/injury accidents. Young drivers account, on average, for nearly 40% of all car drivers killed and a quarter of all injuries sustained. These are high statistics considering that the category accounts for less than 10% of all road-users.