A framework for assessing the marginal external accident cost of road use and its implications for insurance ratemaking
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Personal Au tomobile: Cost Drivers, Pricing, and Public Policy by John B. Conners, FCAS
Traditional actuarial pricing procedures have focused on pre-accident driver attributes, vehicle characteristics, and garaging location in an effort to explain personal automobile loss cost “drivers.” Although these traditional factors are important for statewide ratemaking in a static environment, they account for only part of the influences on auto insurance loss costs. This paper draws on th...
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تاریخ انتشار 2011