---
title: "The hidden victims of our road toll - Sapience Financial"
description: "With advances in trauma medicine, more people now survive car accidents. The cost of surviving can also be financially devastating to the survivor, their family"
url: "https://sapience.com.au/blog/hidden-road-toll-victims"
date: "2026-06-10T10:05:55+00:00"
language: "en-GB"
---

#  The hidden victims of our road toll

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  ![10 pin bowling alley and bowling ball](https://sapience.com.au/images/blog/hidden-road-toll-victims-sapience-financial.jpg) Modern technologies and advances in trauma medicine mean more people survive than die and the cost of surviving can be devastating to the survivor and their family. Reading Time: 7 minutes

---

### The hidden victims of our road toll

We all read about the terrible road tolls that affect our modern life.

Every day the same stark reality of yet another *death on the roads* tempts us to look away, forcing advertising agencies to use increasingly violent images to get our attention.

But today with modern technologies and advances in trauma medicine, more people now survive car accidents. The cost of surviving can be devastating to the survivor and their family in both personal and financial ways.

#### *Read in this article*

 1. [What happens when you or your family is forced to pay for someone else’s accident?](https://sapience.com.au/blog/hidden-road-toll-victims#what-happens-when-you-or-your-family-is-forced-to-pay-for-someone-elses-accident)

2. [Not Surviving a car accident](https://sapience.com.au/blog/hidden-road-toll-victims#not-surviving-a-car-accident)

3. [Surviving a car accident](https://sapience.com.au/blog/hidden-road-toll-victims#surviving-a-car-accident)

4. [The story of those left behind](https://sapience.com.au/blog/hidden-road-toll-victims#the-story-of-those-left-behind)

5. [What most people don’t know is behind this figure:](https://sapience.com.au/blog/hidden-road-toll-victims#what-most-people-dont-know-is-behind-this-figure)

6. [The hidden toll behind Australia’s road toll statistics.](https://sapience.com.au/blog/hidden-road-toll-victims#the-hidden-toll-behind-australias-road-toll-statistics)

7. [Family costs](https://sapience.com.au/blog/hidden-road-toll-victims#family-costs)

8. [Monetary costs](https://sapience.com.au/blog/hidden-road-toll-victims#monetary-costs)

9. [Increasing long term cost of survival](https://sapience.com.au/blog/hidden-road-toll-victims#increasing-long-term-cost-of-survival)

10. [The accident cost everyone connected with it.](https://sapience.com.au/blog/hidden-road-toll-victims#the-accident-cost-everyone-connected-with-it)

11. [What can you do?](https://sapience.com.au/blog/hidden-road-toll-victims#what-can-you-do)

12. [Frequently Asked Questions: The Price of Survival](https://sapience.com.au/blog/hidden-road-toll-victims#frequently-asked-questions-the-price-of-survival)

    1. [How many people survive road accidents with serious injuries?](https://sapience.com.au/blog/hidden-road-toll-victims#how-many-people-survive-road-accidents-with-serious-injuries)

    2. [What is the 'Opportunity Cost' for families of road victims?](https://sapience.com.au/blog/hidden-road-toll-victims#what-is-the-opportunity-cost-for-families-of-road-victims)

    3. [What is the total social cost of road trauma in Australia?](https://sapience.com.au/blog/hidden-road-toll-victims#what-is-the-total-social-cost-of-road-trauma-in-australia)

    4. [Can CTP insurance cover all the costs of a serious injury?](https://sapience.com.au/blog/hidden-road-toll-victims#can-ctp-insurance-cover-all-the-costs-of-a-serious-injury)

### What happens when you or your family is forced to pay for someone else’s accident?

The road toll reality in Australia is, that **each year between 1,200 to 1,400 people will die on our roads** – none of them would know they wouldn’t return home that day.

It's truly a tragic reality of modern life that we cannot afford to ignore.

- You can see a near-live update on these figures online at the government's [Road Accident Statistics Centre here](http://roadsafety.transport.nsw.gov.au/statistics/index.html).

### Not Surviving a car accident

At the time of writing this article in August 2018, at least 230 people will have died already this year in motor vehicle accidents. In the previous month of July 2018, there were 97 road deaths alone.

### Surviving a car accident

For those caught up in a motor vehicle accident, not everyone dies and this is the story of the survivors and the price they are forced to pay.

### The story of those left behind

Today as you read this article, 33 people will have survived a car accident but are now **seriously injured** (some of whom will face a lifelong disability) because of a road accident.

The [NSW Centre for Road Safety](http://roadsafety.transport.nsw.gov.au/), records:

- Between 2008 – 2017 there were 3,727 **fatalities** on NSW roads alone

### What most people don’t know is behind this figure:

- **119,902 Serious Injuries** were sustained on our roads over the same period
- Of these serious injuries, 32% were **life threatening**.

### The hidden toll behind Australia’s road toll statistics.

The people behind the survival headlines are drivers and passengers who survived the most horrific crashes and are often left with life-altering injuries or disabilities.

Their families find themselves now supporting someone with a permanent disability or serious injury often requiring round-the-clock help.

- Today 33 people will be **seriously injured**, some of who will require a lifetime of treatment.
- Tomorrow, another 33 people will be **seriously injured**, some of who will require a lifetime of treatment.
- And so it will **continue each day for the foreseeable future**.

### Family costs

For many, the biggest cost will be borne by their families - this is the hidden cost behind the statistics.

**Nick Rushworth** executive officer, of [Brain Injury Australia](https://www.braininjuryaustralia.org.au/), says:

''Better designed vehicles and roads and better-quality trauma care mean people are surviving with much more severe injuries and disabilities than 15 to 20 years ago. And they need a much greater level of disability services and support."

### Monetary costs

The [State Insurance Authority](https://www.sira.nsw.gov.au/) reports in 2017 the government spent $1.38 billion on just 3,000 severely injured people in car accidents, averaging $460,000 per person.

### Increasing long term cost of survival

While the survivors are left with damage from these injuries for the rest of their lives, the biggest costs are the *opportunity costs* to their families.

> 'These patients are likely to require care in the intensive care unit ...multiple operations, the most costly are the brain and spine injuries. ... The biggest cost is the opportunity cost to their family. After a serious car accident you can't walk, may have reduced function, families are impacted and they have to take time off from work to care for the injured'.Dr Jeremy Hsu, Head of Trauma Westmead Hospital 2018

**Case Study**: Tristan spent 19 months in a hospital recovering from devastating injuries to his body and brain that left him with impaired memory, speech, memory and balance, and non-functional.

### The accident cost everyone connected with it.

1. **His friend**, Dwayne who was also on the bike, lost his life in the accident.
2. Tristan's **father**, Ashley, overcome by the stress suffered a heart attack soon after, losing his job as an interstate truck driver.
3. Without an income, the **family** dropped into poverty.
4. One of Tristan's **brothers** ‘went off the rails’ and got into trouble with the law.
5. The **family** moved house twice to be closer to Tristan during his regular stay in the hospital.
6. The **semi-trailer driver**, who witnessed the two young men drive under his truck suffered Post Traumatic Stress Disorder and could not work for a year after the accident.
7. His **mother** acknowledges she often needs to 'hibernate' in her room as she tries to manage the strains on the family unit.
8. His **sister** who owned the faulty trail bike continues to struggle with guilt and feelings of responsibility.

Tristan's **girlfriend** explains,

'Life is different now from when he was outgoing and sporty’. He’ll yell at us and then he’ll forget why—but he doesn't understand why we don't forget.'

**Key Message**: Serious Injuries caused by a motor vehicle accident affect more than just the individual.

It affects their immediate families and everyone else who gets caught up in the accident.

So the question remains,

‘*What happens when you or your family is forced to pay for someone else’s accident?*’

### What can you do?

We can all protect ourselves from many of the major statistical risks of modern life.

Having your own [Medical Trauma Insurance](https://sapience.com.au/index.php?option=com_content&view=article&id=208:crisis-and-trauma-recovery-insurance&catid=101:for-people&Itemid=766) in place means if you find yourself seriously injured or sick, it can provide you *recovery money -* to have the financial ability to do whatever you need to do to put things right for you and your family.

Don't risk what you cannot afford to lose.

---

### Frequently Asked Questions: The Price of Survival

#### How many people survive road accidents with serious injuries?

For every person who dies on Australian roads, many more survive with devastating consequences. In 2026, there are approximately **11,667 serious injuries** annually in NSW alone—roughly 32 people every day. Nationally, more than 60,000 Australians are hospitalised each year, equating to **168 ambulance trips every single day** for road-related trauma.

#### What is the 'Opportunity Cost' for families of road victims?

The "Opportunity Cost" refers to the financial and personal life that is surrendered by the family to support a survivor. When a victim suffers a severe brain or spinal injury, family members are often forced to **resign from work** to provide round-the-clock care. This "hidden" cost often leads to long-term poverty and the erosion of the family unit’s future security.

#### What is the total social cost of road trauma in Australia?

As of 2026, the estimated social cost of road crashes in Australia is **$27 billion annually**, or approximately $74 million every day. A single hospitalised injury crash can cost society over $261,000 in immediate medical expenses, but the lifetime loss for severe impairment can reach **$4.1 million per person**.

#### Can CTP insurance cover all the costs of a serious injury?

Compulsory Third Party (CTP) insurance is designed to provide a baseline of care, but it is often **adversarial and slow**. It may not cover the full 'Opportunity Cost' of family members or provide the immediate 'Recovery Money' needed for private medical interventions. Complementing CTP with **Medical Trauma Insurance** provides an immediate, non-adversarial lump sum that puts you in control of the recovery process.

*Disclaimer: Statistics are based on March 2026 BITRE and Transport for NSW data. Road trauma is an unpredictable risk. For a strategic review of your family's crisis recovery protection, we recommend a [confidential consultation](https://sapience.com.au/contact).*

**Do we sound like the type of people you'd like to do business with?**
 Call us today on 1300 137 403 or email us [here](https://sapience.com.au/index.php?Itemid=704) for a no-obligation private chat about your situation.

---

![author pic drew browne](https://sapience.com.au/images/author-pic/contact-drew-browne-advisor-sapience-financial.jpg)**Drew Browne** is a specialty Financial Risk Advisor working with Small Business Owners & their Families, Dual Income Professional Couples, and diverse families. He's an award-winning writer, speaker, financial adviser and business strategy mentor. His business Sapience Financial Group is committed to using business solutions for good in the community. In 2015 he was certified as a B Corp., and in 2017 was recognised in the inaugural Australian National Businesses of Tomorrow Awards. Today he advises Small Business Owners and their families, on how to protect themselves, from their businesses. He writes for successful Small Business Owners and Industry publications. You can read his Modern Small Business Leadership Blog [here](https://sapience.com.au/index.php?Itemid=1267). You can connect with him on [LinkedIn](https://www.linkedin.com/in/drewbrowne/).  Any information provided is general advice only and we have not considered your personal circumstances. Before making any decision on the basis of this advice you should consider if the advice is appropriate for you based on your particular circumstance.

![Written by Human Not made by AI sapience financial ](https://sapience.com.au/images/icons/not-made-by-AI-sapience-financial-black.png)

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