Things That Make You More Likely to Be in an Accident

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This PowerPoint presentation, given at the Nevada Traffic Safety Summit in Las Vegas, discusses how insurance companies use rating variables to determine a risk-adjusted rate for all customers. It discusses the strengths and weaknesses of using driving record then discusses non-driving factors that most insurers use where permitted, including age and gender of driver, rating territory and insurance credit score. The discussion concludes with a look at telematics, the use of electronically monitored driving patterns to help determine rates.

 

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