I think this depends heavily on the driver too.. - Location and conditions in which car is driven. In a city? or bumpy roads? Near the sea? - Driving style. H

I think this depends heavily on the driver too.. - Location and conditions in which car is driven. In a city? or bumpy roads? Near the sea? - Driving style. Heavy footed? Drives slowly? Could make them more prone to certain types of accidents that have different costs associated with them. - Mileage. Does this person only drive 10km a week? Or is it a lot further? - Weight even. How much of the vehicles capacity or weight load do they use? How often?