Automobile Insurance: Road Safety, New Drivers, Risks, Insurance Fraud and Regulation / Edition 1

Automobile Insurance: Road Safety, New Drivers, Risks, Insurance Fraud and Regulation / Edition 1

by Georges Dionne
     
 

ISBN-10: 079238394X

ISBN-13: 9780792383949

Pub. Date: 01/01/1999

Publisher: Springer US

This book is for people concerned about road crashes (prevention and compensation) and about the insurance problems they pose - namely private and public institutional authorities, consultants, administrators, practitioners, and researchers interested in sharing the authors' experience in this domain. The book presents original contributions related to motor vehicle…  See more details below

Overview

This book is for people concerned about road crashes (prevention and compensation) and about the insurance problems they pose - namely private and public institutional authorities, consultants, administrators, practitioners, and researchers interested in sharing the authors' experience in this domain. The book presents original contributions related to motor vehicle insurance and road safety. All papers have been evaluated by external referees. Four subjects are covered: 1) Automobile Insurance Pricing, Risks and Asymmetric Information; 2) Insurance Fraud; 3) Young Drivers: Licensing Policies, Evaluation and Risks; and 4) Road Insurance Regulation.

Product Details

ISBN-13:
9780792383949
Publisher:
Springer US
Publication date:
01/01/1999
Series:
Huebner International Series on Risk, Insurance and Economic Security, #20
Edition description:
1999
Pages:
351
Product dimensions:
6.10(w) x 9.25(h) x 0.03(d)

Table of Contents

Guest Speakers and Contributing Authors
Referees
Preface
Foreword
Introduction
1Asymmetric Information in Automobile Insurance: An Overview1
2Evidence of Adverse Selection in Automobile Insurance Markets13
3Allowance for Hidden Information by Heterogeneous Models and Applications to Insurance Rating47
4Bayesian Analysis of Road Accidents: A General Framework for the Multinomial Case79
5Commercial Vehicle Insurance: Should Fleet Policies Differ from Single Vehicle Plans?101
6Costly State Falsification or Verification? Theory and Evidence from Bodily Injury Liability Claims119
7The Frequency of Excess Claims for Automobile Personal Injuries131
8When is the Proportion of Criminal Elements Irrelevant? A Study of Insurance Fraud when Insurers cannot Commit151
9Insurance Fraud Estimation: More Evidence from the Quebec Automobile Insurance Industry175
10The Societe De L'Assurance Automobile Du Quebec - An Integrated Model of Action to Insure and Protect People from Risks Inherent in use of the Road183
11They Cheat, you Pay!191
12Graduated Licensing in Quebec: The Search for Balance Between Mobility and Safety195
13An Evaluation of the Effects on Crashes of the 1991 Legislative Reform on New Licensees in Quebec201
14Licensing Policies for Young Drivers in the United States215
15Reducing the Risk of New Drivers Through Legislation and Regulation221
16Evaluation of the Accompanied Driver Training by Means of a Markov Chain231
17Risky Driving by Youth243
18Young People, Alcohol and Risks253
19No Fault Automobile Insurance and Accident Severity: Lessons Still to be Learned267
20The Incentive Effects of no Fault Automobile Insurance283
21Estimating the Effects of "No-Pay, No-Play" Auto Insurance Plans on the Costs of Auto Insurance: The Effects of Proposition309
22Analysis of the Economic Impact of Medical and Optometric Driving Standards on Costs Incurred by Trucking Firms and on the Social Costs of Traffic Accidents323

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