Paper
Drinking, Driving, and the Price of Automobile Insurance
Published Mar 1, 1994 · F. Sloan, P. Githens
Journal of Risk and Insurance
Q1 SJR score
35
Citations
0
Influential Citations
Abstract
This study describes premium penalties imposed by insurers for drunk driving and other chargeable accidents, assesses why variations in premiums for drivers with clean records and adverse records differ across states and insurers, and determines the effect of imposing penalties on persons convicted of drunk driving. There are significant differences among insurers in treatment of violators, both in underwriting and in premium setting-which are in part attributable to state policies, such as imposition of take-all-comer rules. Imposing premium surcharges for a charge of drunk driving has a significant deterrent effect on the probability of drinking and driving.
Observational StudyStudy Snapshot
Imposing premium surcharges for drunk driving significantly deters drivers from engaging in this behavior, with variations among insurers and state policies influencing treatment of violators.
PopulationOlder adults (50-71 years)
Sample size24
MethodsObservational
OutcomesBody Mass Index projections
ResultsSocial networks mitigate obesity in older groups.
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