Sex-Divided Mileage, Accident, And Insurance Cost Data Show That Auto Insurers Overcharge Most Women
نویسندگان
چکیده
............................................................243 INTRODUCTION......................,,................................244
منابع مشابه
Driver Record: a Political Red Herring That Reveals the Basic Flaw in Automobile Insurance Pricing
......................................................... ..2 00 INTRODUCTION........................................................20 1 REVIEW OF 1979 INDUSTRY STUDY. ................................... ,204 Driver Record Data Calculated for Three Model Groups ..................... 205 Driver Record: Discounts/Surcharges vs. Accident Differences ............... ,208 Exposure Period Measured i...
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This paper assesses the ability of automobile insurance prices to distinguish the 2:1 ratio of men's to women's annual mileage, which is linked to a similar ratio of accident involvement per year. Review of current price classes by driver sex and age, by future mileage, and by past driver record reveals severe limitations to their capacity to assess women's lower mileage exposure to risk of acc...
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Awards for pain and suffering and other non-economic losses account for over half of all damages awarded under third-party auto insurance bodily injury settlements. This paper hypothesizes that insurers use general damage awards to reduce the incentive to submit exaggerated claims for specific damages for injuries and lost wages. Consistent with this hypothesis, the paper finds evidence using d...
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