DRINKING, DRIVING, AND THE PRICE OF AUTOMOBILE INSURANCE

被引：21

作者：

SLOAN, FA ^{[1
]}

GITHENS, PB ^{[1
]}

机构：

[1] VANDERBILT UNIV,INST PUBL POLICY STUDIES,NASHVILLE,TN 37240

来源：

JOURNAL OF RISK AND INSURANCE | 1994年 / 61卷 / 01期

关键词：

D O I：

10.2307/253423

中图分类号：

F8 [财政、金融];

学科分类号：

0202 ;

摘要：

This study describes premium penalties imposed by insurers for drunk driving and other chargeable accidents, assesses why variations in premiums for drivers with clean records and adverse records differ across states and insurers, and determines the effect of imposing penalties on persons convicted of drunk driving. There are significant differences among insurers in treatment of violators, both in underwriting and in premium setting-which are in part attributable to state policies, such as imposition of take-all-comer rules. Imposing premium surcharges for a charge of drunk driving has a significant deterrent effect on the probability of drinking and driving.

引用

页码：33 / 58

页数：26

共 24 条

[1]

ABRAHAM KS, 1986, DISTRIBUTING RISK IN

[2]

*AUT INS PLAN SERV, 1990, 1989 90 AIPSO FACTS

[3] AN EMPIRICAL-ANALYSIS OF MORAL HAZARD AND EXPERIENCE RATING [J].

BOYER, M ;

DIONNE, G .

REVIEW OF ECONOMICS AND STATISTICS, 1989, 71 (01) :128-134

[4]

CUMMINS JD, 1989, WALL STREET J 0105, pA10

[5] ADVERSE SELECTION, PRIVATE INFORMATION, AND LOWBALLING IN INSURANCE MARKETS [J].

DARCY, SP ;

DOHERTY, NA .

JOURNAL OF BUSINESS, 1990, 63 (02) :145-164

[6]

GIOVANNUCCI E, 1991, AM J EPIDEMIOL, V133, P810

[7]

*INS RES COUNC, 1984, UN MOT FACTS FIG

[8]

*INS RES COUNC, 1990, TRENDS AUT BOD INJ C

[9]

Insurance Research Council, 1991, AD MOT VEH REC EV DR

[10]

Jacobs J. B., 1989, DRUNK DRIVING AM DIL

← 1 2 3 →