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

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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.
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Editorial Reviews

Booknews
Comprising the proceedings of a conference on the subject held in April 1997 at the University of Montreal, this volume contains 22 contributions written primarily by a multidisciplinary group of Canadian scholars and researchers, and divided into four sections: automobile insurance pricing, risks, and asymmetric information; insurance fraud; guest speakers (two contributions); licensing policies, evaluation, and risks with young and new drivers; and road insurance regulation. Likely to be of interest to private and public institutional authorities, consultants, administrators, practitioners, and researchers interested in the prevention and compensation of road crashes. Annotation c. Book News, Inc., Portland, OR (booknew.com)
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Product Details

Table of Contents

Guest Speakers and Contributing Authors
Referees
Preface
Foreword
Introduction
1 Asymmetric Information in Automobile Insurance: An Overview 1
2 Evidence of Adverse Selection in Automobile Insurance Markets 13
3 Allowance for Hidden Information by Heterogeneous Models and Applications to Insurance Rating 47
4 Bayesian Analysis of Road Accidents: A General Framework for the Multinomial Case 79
5 Commercial Vehicle Insurance: Should Fleet Policies Differ from Single Vehicle Plans? 101
6 Costly State Falsification or Verification? Theory and Evidence from Bodily Injury Liability Claims 119
7 The Frequency of Excess Claims for Automobile Personal Injuries 131
8 When is the Proportion of Criminal Elements Irrelevant? A Study of Insurance Fraud when Insurers cannot Commit 151
9 Insurance Fraud Estimation: More Evidence from the Quebec Automobile Insurance Industry 175
10 The Societe De L'Assurance Automobile Du Quebec - An Integrated Model of Action to Insure and Protect People from Risks Inherent in use of the Road 183
11 They Cheat, you Pay! 191
12 Graduated Licensing in Quebec: The Search for Balance Between Mobility and Safety 195
13 An Evaluation of the Effects on Crashes of the 1991 Legislative Reform on New Licensees in Quebec 201
14 Licensing Policies for Young Drivers in the United States 215
15 Reducing the Risk of New Drivers Through Legislation and Regulation 221
16 Evaluation of the Accompanied Driver Training by Means of a Markov Chain 231
17 Risky Driving by Youth 243
18 Young People, Alcohol and Risks 253
19 No Fault Automobile Insurance and Accident Severity: Lessons Still to be Learned 267
20 The Incentive Effects of no Fault Automobile Insurance 283
21 Estimating the Effects of "No-Pay, No-Play" Auto Insurance Plans on the Costs of Auto Insurance: The Effects of Proposition 309
22 Analysis of the Economic Impact of Medical and Optometric Driving Standards on Costs Incurred by Trucking Firms and on the Social Costs of Traffic Accidents 323
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