Table of Contents

Section 1 Automobile Insurance Pricing, Risks, and Asymmetric Information.- 1 Asymmetric Information in Automobile Insurance: An Overview.- 2 Evidence of Adverse Selection in Automobile Insurance Markets.- 3 Allowance for Hidden Information by Heterogeneous Models and Applications to Insurance Rating.- 4 Bayesian Analysis of Road Accidents: A General Framework for the Multinomial Case.- 5 Commercial Vehicle Insurance: Should Fleet Policies Differ From Single Vehicle Plans?.- Section 2 Insurance Fraud.- 6 Costly State Falsification or Verification? Theory And Evidence From Bodily Injury Liability Claims.- 7 The Frequency of Excess Claims for Automobile Personal Injuries.- 8 When is the Proportion of Criminal Elements Irrelevant? A Study of Insurance Fraud When Insurers Cannot Commit.- 9 Insurance Fraud Estimation: More Evidence from the Quebec Automobile Insurance Industry.- Section 3 Guest Speakers.- 10 The Société De L’assurance Automobile Du Québec -An Integrated Model of Action to Insure And Protect People from Risks Inherent in Use of the Road.- 11 They Cheat, You Pay!.- Section 4 Young and New Drivers: Licencing Policies, Evaluation and Risks.- 12 Graduated Licensing In Québec: The Search for Balance Between Mobility and Safety.- 13 An Evaluation of the Effects on Crashes of the 1991 Legislative Reform on New Licensees in Quebec.- 14 Licensing Policies for Young Drivers in The United States.- 15 Reducing The Risk of New Drivers Through Legislation and Regulation.- 16 Evaluation of The Accompanied Driver Training By Means of A Markov Chain.- 17 Risky Driving By Youth.- 18 Young People, Alcohol And Risks.- Section 5 Road Insurance Regulation.- 19 No Fault Automobile Insurance and Accident Severity: Lessons Still To Be Learned.- 20 The Incentive Effects of NoFault Automobile Insurance.- 21 Estimating The Effects Of “No-Pay, No-Play” Auto Insurance Plans On The Costs Of Auto Insurance: The Effects Of Proposition 213.- 22 Analysis of The Economic Impact of Medical and Optometric Driving Standards on Costs Incurred by Trucking Firms and on The Social Costs of Traffic Accidents.