Morteza  Araghi, 
    Evaluating the Impact of Environmental Variables, Drivers Behaviors and Traffic
Congestion on the Amount of Damages Estimated by Insurance Companies in
The Crashes Inside Tehran City,
    Journal of Engineering and Applied Sciences,
    Volume 11,Issue 3,
    2016,
    Pages 593-597,
    ISSN 1816-949x,
    jeasci.2016.593.597,
    (https://makhillpublications.co/view-article.php?doi=jeasci.2016.593.597)
    Abstract: The research was descriptive and correlational and also a field study, a questionnaire was used. The study population was citizens of Tehran City that 403 people filled questionnaires with reliability coefficient of 0.77. To ensure the normal distribution of data the Kolmogorov-Smirnov test was used. Validation using confirmatory factor analysis and structural equation models was done. Four hypothesis were accepted and the results showed that environmental factors, driver behavior and traffic congestion can affect the amount of accidents. Accident estimations variable can also affect damage rate estimation. To examine the propriety of structural model we used some of important indexes and this showed that study data had proper propriety with factorial structure and its theoretical infrastructure that is study questions are consistent with theoretical structures. Finally, the sample was determined by calculating the efficiency index and the present sample results can be generalized to the population under study.
    Keywords: traffic congestion;driver behavior;Environmental factors;accident;insurance