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Motor Vehicle Insurance in the United States: A 1998-1999 Snapshot with Emphasis on Motorcycle Coverage.
| 题名： | Motor Vehicle Insurance in the United States: A 1998-1999 Snapshot with Emphasis on Motorcycle Coverage. |
| 作者： | Miller-T.R.; Lawrence-B.A. |
| 关键词： | *Motor-vehicles; *Motorcycles-; *Insurance-; *Costs-.;Statistics-; Vehicles-; Data-collection; Driver-behavior; Motor-vehicle-accidents; Highway-crashes; Seat-belt-usage; Helmets-; Injuries-; Trends-; Property-damage; Insurance-industry; Motorcycle-accidents; Motorcycle-operator-fatalities; Legal-liability; Tables-Data. |
| 摘要： | motorvehicle insurance pays for many of the medical and work losses resulting from highway crashes. Insurance information is critical to understanding crash costs and who pays them. No insurance industry sources provide discrete information on motorcycle insurance. Nor do they indicate what portion of a driver's insurance premiums pay for losses in crashes caused by drivers of other vehicles. They also do not provide factors for estimating how much insurance pays annually to compensate bodily injury versus property damage. To address the need for recent information, we obtained unpublished data collected by the Motorcycle Insurance Committee of the National Association of Independent Insurers (NAII) from six members that specialize in motorcycle insurance. We supplemented their data with parallel data requested directly from the nation's five largest motor vehicle insurers. The data were collected on spreadsheets. Data from individual firms would be of considerable value to their competitors. Therefore, insurers required that their data be kept confidential and only released after pooling with data from other responding firms. To further ensure confidentiality, the NAII kindly received and pooled the data, then provided the study team with the aggregates. |
| 报告类型： | 科技报告 |
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