Why Age Matters for Young and Old Drivers

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dc.contributor.authorNielson, Normaeng
dc.contributor.authorKelly, Maryeng
dc.date.accessioned2010-12-14T21:32:38Z
dc.date.available2010-12-14T21:32:38Z
dc.date.issued2006-05
dc.descriptionCopyright officer has approved inclusion of this article into DSpace November 17, 2010.eng
dc.description.abstractThe inclusion of age in the design and distribution of auto insurance captures real differences among prospective insureds. The best solutions to reducing the importance of age in auto insurance remain outside the realm of insurance. The reliance on age as an underwriting variable can be decreased through better assessments of fitness to drive and through the implementation of changes that increase road safety for all road users. In Canada, both the frequency and severity of auto accidents are highly correlated with age. It appears that using insurance scores in automobile insurance might allow insurers to rely less heavily on age as a proxy for driver risk. However, insurance scores face two large hurdles before they can supplant age in the rating and underwriting processes of insurance in Canada.eng
dc.description.refereedYeseng
dc.identifier.citationKelly, M. and N. L. Nielson. “Why Age Matters for Young and Old Drivers” Canadian Underwriter. Vol. 73, No. 5 (May 2006) pp. 58-62.eng
dc.identifier.doihttp://dx.doi.org/10.11575/PRISM/34033
dc.identifier.issn0008-5251
dc.identifier.urihttp://hdl.handle.net/1880/48310
dc.language.isoengeng
dc.publisherBusiness Information Groupeng
dc.publisher.corporateUniversity of Calgaryeng
dc.publisher.facultyHaskayne School of Businesseng
dc.publisher.urlhttp://www.businessinformationgroup.ca/shop/item.aspx?itemid=109eng
dc.subjectAutomobile insuranceeng
dc.subjectDrivers licenseseng
dc.subjectClassificationeng
dc.subjectRisk assessmenteng
dc.subjectAge differenceseng
dc.titleWhy Age Matters for Young and Old Driverseng
dc.typejournal article
thesis.degree.disciplineRisk Management & Insuranceeng
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