Independent variables | Overall fairness claims process |
|---|
Model 1 | Model 2 |
|---|
AOR | CI |
p
| AOR | CI | Â |
p
|
|---|
Age | 0.99 | 0.97, | 1.01 | .21 | 1.00 | 0.97, | 1.02 | .73 |
Gender | 0.75 | 0.38, | 1.48 | .41 | 0.79 | 0.37, | 1.68 | .54 |
Country of birth | 0.91 | 0.44, | 1.87 | .79 | 0.87 | 0.38, | 1.97 | .73 |
Socio-economic status | 1.84 | 0.95, | 3.56 | .07 | 1.38 | 0.65, | 2.94 | .41 |
Education | 0.58 | 0.28, | 1.21 | .15 | 0.46 | 0.20, | 1.06 | .07 |
Marital status | 2.11 | 1.09, | 4.06 | .03 | 1.69 | 0.81, | 3.55 | .16 |
Injury | 0.43 | 0.19, | 0.94 | .04 | 0.65 | 0.26, | 1.60 | .35 |
Hospital admission | 0.73 | 0.36, | 1.49 | .38 | 1.08 | 0.48, | 2.45 | .85 |
Time after injury | 1.04 | 0.54, | 1.99 | .91 | 1.08 | 0.48, | 2.44 | .86 |
Medical assessment | Â | Â | Â | Â | 0.31 | 0.12, | 0.78 | .01 |
Lawyer involvement | Â | Â | Â | Â | 0.33 | 0.13, | 0.81 | .02 |
Claim status | Â | Â | Â | Â | 1.71 | 0.68, | 4.32 | .26 |
Previous claim | Â | Â | Â | Â | 1.66 | 0.68, | 4.03 | .26 |
- Notes: Model 1 Nagelkerke R2 = .111; Model 2 Nagelkerke R2 = .339
- Multiple logistic regression analysis, modelling the probability that the process was considered fair (versus not fair/neutral). The first model includes demographic and injury details. The second model adds the claim factors. ‘At-fault’ was not included because this variable only applies to the Victorian sample. There was no multicollinearity
- Coding: Gender (0 = Male; 1 = Female); Country of birth (0 = Other; 1 = Australia); Socio-economic status (0 = Lower; 1 = Higher); Education (0 = Low/Medium; 1 = High); Marital status (0 = Single/Divorced; 1 = Married); Injury (0 = Other; 1 = Whiplash/soft tissue injury); Hospital admission (0 = No; 1 = Yes); Time after injury (0 = 12 months; 1 = 24 months). Medical assessment (0 = No; 1 = Yes); Lawyer involvement (0 = No; 1 = Yes); Claim status (0 = Pending; 1 = Settled); Previous claim (0 = No; 1 = Yes); Overall fairness claims process (0 = not fair/neutral, 1 = fair). Reference category = 0
