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Explaining large premium ranges within localities
Mandatory Auto Insurance
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Credit-Score Rating & NOW's opposition to its regulation,
Testimony (including the following two items) presented at a hearing by the
Nat'l Ass'n of Ins. Commissioners (NAIC),
Wash. DC, April 30, 2009 (#811, 11 pp.) -
Magazine article
"Action to End
Group Defamation by Auto Insurers"
(#809, 1p.) -
MileMeter Insurance Company brochure
(2 pp.) -
Rating by Education & Occupation Status and
MileMeter Insurance Company
(Texas), for National Conference of Insurance Legislators (NCOIL) hearing,
Wash. DC, Feb. 2009 (#808, 2 pp.)
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Texas Cents-Per-Mile law of
2001 -- Sunset on Sept. 1, 2005
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Why is Mandatory Auto
Insurance Opposed by Insurers?
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How Mandatory Auto Insurance is Sabotaged
by Per-Car Premiums
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Harmful "Adverse Selection" in Auto Insurance and Why
Insurers Resist the
Remedy
(Sept. 2003)
Academic Papers
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The Premium Structure .
. . Promot[es] Excessive Use of a Given Stock of Cars and Undue Stinting
on the Ownership of Cars—William Vickrey (1968): Truth and Perverse
Consequence (#789
24 pages. Presented at the Western Risk & Insurance Association annual
meeting, January 2008)
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Why Low Credit Scores Predict More Auto Liability
Claims: Two Theories Essay written for the Journal of Insurance
Regulation sponsored by the National Association of Insurance Commissioners
NAIC (#776
Oct. 2007, 8 pages) -
Current Insurance Pricing Unduly Limits Car Ownership
- Letter published by the Economists' Voice, December 2006 -
Why Low Credit Scores Predict More Auto Liability
Claims: Two Theories Working Paper, American Risk &
Insurance Association, August 2007 (#774, 11 pages) -
Driver Negligence vs. Odometer Miles: Rival
Theories to Explain 12 Predictors of Auto Insurance Claims #755
(34 pages,
American Risk & Insurance Association 2006 Annual Mtg.)
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What Negligence Theory Needs to Learn from
Automobile Insurance: 'Fault is Predictively Irrelevant' (and Why)
(#756, 23 pages July 28, 2006 working
essay on tort law and economics)
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Pay-Per-Mile Auto Insurance section from
textbook Consumer Economic
Issues in America, 8th Ed. 2003, Thomas Garman
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The "Mile Station" 2010 research project on how to assure that every
mile driven will be legally insured, Austin, Texas
On Pay As You Drive Premiums
Publications & Academic Papers (cont.)
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List of Papers (Available
here as downloadable pdf files
and on request as paper copy reprints sent by postal mail)
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NEW Unsustainable Cost-Shifting in
Bonus-Malus Auto Insurance: British Columbia Example?
(#799, 15 slides, Western Risk & Insurance Association meeting,
January 2009)
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Operation of
an Audited-Mile/Year Automobile Insurance System Under Pennsylvania Law
(#486, 32 pages, Prepared for the Pennsylvania General Assembly, June,
1992)
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Driving With
The Brakes On: Guido Calabresi's Failed 1970 Auto Insurance Case Against Safety-Device
Mandates (#752, 32 pages, August 30, 2005)
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Are Drivers of Uninsured Vehicles "More Dangerous"?
A Sampling Paradigm to Resolve Conflicting Evidence (#750, 13 pages, Southern Risk & Ins. Assoc.
2004 Ann. Mtg.)
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Proof That Auto Insurance Rating by Accident
Record Predicts Miles not Negligence: Fault is Predictively Irrelevant (#753, 12 pages, Western Risk & Insurance Assoc. 2005 Annual Meeting)
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An Alternative to the High-Risk-Driver
Theory: Adverse Selection Induced by Per-Car Premiums
(#748, 24 pages. American Risk
& Insurance Association Annual Meeting August 2004)
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Why the Standard Automobile Insurance Market Breaks
Down in Low-Income Zip Codes: 2000 Report to TX Legislature
Analysis of testimony on which the Texas
Cents-Per-Mile-Choice law of 2001 was based (#633, 39 pages)
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Texas Auto Insurance Costs by County ($$ per vehicle
year) and by Miles Driven (¢ per vehicle mile)
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