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

  • Book
  • © 1999

Overview

Editors:
  1. Georges Dionne

    1. HEC, Montréal, Canada

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    You can also search for this editor in PubMed   Google Scholar

  2. Claire Laberge-Nadeau

    1. Université de Montréal, Canada

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    You can also search for this editor in PubMed   Google Scholar

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Table of contents (22 chapters)

  1. Front Matter

    Pages i-xxix
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  2. Asymmetric Information In Automobile Insurance: An Overview

    • Pierre-André Chiappori
    Pages 1-11

  3. Evidence of Adverse Selection in Automobile Insurance Markets

    • Georges Dionne, Christian Gouriéroux, Charles Vanasse
    Pages 13-46

  4. Allowance for Hidden Information by Heterogeneous Models and Applications to Insurance Rating

    • Jean Pinquet
    Pages 47-78

  5. Bayesian Analysis of Road Accidents: A General Framework for The Multinomial Case

    • Denis Bolduc, Sylvie Bonin
    Pages 79-99

  6. Commercial Automobile Insurance: Should Fleet Policies Differ from Single Vehicle Plans?

    • Claude Fluet
    Pages 101-117

  7. Costly State Falsification or Verification? Theory and Evidence from Bodily Injury Liability Claims

    • Keith J. Crocker, Sharon Tennyson
    Pages 119-130

  8. The Frequency of Excess Claims for Automobile Personal Injuries

    • Allan F. Abrahamse, Stephen J. Carroll
    Pages 131-149

  9. When is The Proportion of Criminal Elements Irrelevant? A Study of Insurance Fraud When Insurers Cannot Commit

    • Martin Boyer
    Pages 151-173

  10. Insurance Fraud Estimation: More Evidence from the Quebec Automobile Insurance Industry

    • Louis Caron, Georges Dionne
    Pages 175-182

  11. The Société De L’Assurance Automobile Du Québec — An Integrated Model of Action to Insure and Protect People From the Risks Inherent in Use of the Road

    • Jean-Yves Gagnon
    Pages 183-189

  12. They Cheat, You Pay!

    • Raymond Medza
    Pages 191-193

  13. Graduated Licensing in Québec: The Search for Balance Between Mobility and Safety

    • Claude Dussault, Patrice Letendre
    Pages 195-200

  14. An Evaluation of the Effects on Crashes of the 1991 Legislative Reform on New Licensees in Quebec

    • Urs Maag, Georges Dionne, Denise Desjardins, Stéphane Messier, Claire Laberge-Nadeau
    Pages 201-214

  15. Licensing Policies For Young Drivers In The United States

    • Allan F. Williams
    Pages 215-220

  16. Reducing the Risk of New Drivers Through Legislation and Regulation

    • Dan Mayhew
    Pages 221-229

  17. Evaluation of the Accompanied Driver Training by Means of A Markov Chain

    • Sylvain Lassarre, Pierre-Alain Hoyau
    Pages 231-242

  18. Risky Driving by Youth

    • A. James McKnight
    Pages 243-251

  19. Young People, Alcohol and Risk

    • Jean-Paul Assailly
    Pages 253-265

  20. No-Fault Automobile Insurance and Accident Severity: Lessons Still To Be Learned

    • Rose Anne Devlin
    Pages 267-282
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Keywords

About this book

Motor vehicle accidents are still a leading cause of death, even if the trend has somewhat declined over the past 20 years. Indeed, motor vehicle accidents are a significant cause of death in comparison with air and space transport accidents, homicides and even HIV infections, causes which are more often highlighted in the media. As shown in this book, motor vehicle accidents are particularly damaging to very young drivers.
The assessment of driving risks is a common concern for road transportation safety and the automobile insurance industry. In both cases, there is an awareness of the great losses resulting from the deaths, injuries and property damage caused by traffic accidents. Research is essential to counteract this public health threat, to assess the success or failure of countermeasures, and to solve the problems it generates in the insurance industry.
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.

Editors and Affiliations

  • HEC, Montréal, Canada

    Georges Dionne

  • Université de Montréal, Canada

    Claire Laberge-Nadeau

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