Academic journal article Journal of Risk and Insurance

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

Academic journal article Journal of Risk and Insurance

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

Article excerpt

Automobile Insurance: Road Safety, New Drivers, Risks, Insurance Fraud and Regulation, edited by Georges Dionne and Claire Laberge-Nadeau, 1999, Dordrecht, The Netherlands: Kluwer Academic Publishers

Reviewer: Richard A. Derrig, Automobile Insurers Bureau of Massachusetts

This volume is one of five categorizing the many topics examined in 1996 on the occasion of the 25th anniversary of the Center for Research on Transportation (CRT) at the University of Montreal. The editors have organized an intriguing melange of papers that speak to current and important issues for automobile insurance in North America. The central theme, however, is controlling the social cost of automobile accidents. Insurance pricing, fraud, inexperienced drivers, and regulatory effects are the four elements of (insured) accident costs covered by 31 authors of the 22 papers in the book.

This reviewer will not compete with the excellent six-page summary of the papers by the editors. Rather, the two short rearrangements of topics and results listed below are meant to entice the reader to run, not walk, to the nearest library or bookstore, obtain a copy of the book, and peruse the papers.

Accidents. Inexperience, risky behavior, dangerous roads, alcohol, and medical conditions of commercial drivers each work to increase accidents. Innovative restricted or "graduated" licensing plans for new and youthful drivers, statistical methods to evaluate effective driver training programs and hazardous road sites, alcohol involvement as a multistage decision problem, and isolation of truck drivers with serious medical conditions are all covered in a search for lower accident involvement. …

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