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CONTENTS OF THE OCTOBER 2004 ISSUE
Vol.72(3)
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SPECIAL ISSUE AUTOMOBILE INSURANCE, COMPENSATION REGIMES AND ROAD SAFETY GENERAL ARTICLES L’impact de la téléphonie mobile au
volant sur le dossier de conduite
EVALUATED ARTICLES
Automobile Insurance in Ontario: Direct Compensation for Property Damage,
Personal Injury, and Death The Economic Burden
of Motor Vehicle Collisions in British Columbia La perception des
risques d’accident et d’arrestation lors de conduite avec facultés affaiblies
COLUMNS
Chronique actuarielle Assurances et gestion des risques Gestion des risques financiers
Impactnofault.com
Les vingt-cinq ans du régime québécois d’assurance
automobile : réflexions sur la notion de faute
The no-fault automobile insurance regime for
bodily injuries, introduced in Quebec in 1978, drastically improved coverage of
accident losses. There is quasi universal agreement that the elimination of tort
and of any consideration of fault were the cornerstone of this regime change.
This note makes the obvious point that coverage improved not because
considerations of fault were eliminated, but simply because of the introduction
of a wide ranging and cost-efficient system of first-party coverage. Simplified
procedures for determining fault could very well be used for the pricing of
insurance and for providing incentives, without in any way jeopardizing coverage.
Automobile Insurance in Ontario: Direct Compensation
for Property Damage, Personal Injury, and Death
This article describes the two direct
compensation regimes that currently exist in Ontario with respect to automobile
insurance; the one that applies to property damage and the one that applies to
personal injury and death. The author explains the circumstances in which both
regimes operate, their use of the concept of fault, their impact on the right to
sue, and their impact on subrogation. The article also reviews the main benefits
available under both regimes and some of the circumstances that may jeopardise
recovery.
The Economic Burden of Motor Vehicle Collisions in
British Columbia
British Columbia has one of the highest motor
vehicle collision rates in Canada. This paper presents estimates of the economic
burden of these motor vehicle collisions. Excluding the valuation of lost
quality of life, the economic burden of motor vehicle collisions in the province
amounted to an estimated 1.9% of provincial GDP in 1999. The paper further
explores the influence of the social pricing of automobile insurance on
incentives which encourage driving by high risk demographics.
La perception des risques d’accident et d’arrestation
lors de conduite avec facultés affaiblies The
main objective of this research is to analyze how drivers perceive their risk of
being arrested for driving with impaired faculties. We also look at how people
perceive their risks of being involved in an accident when driving impaired and
even of being involved in an accident causing bodily injury, under the same
conditions. The second objective is to identify the determinants explaining
individual perceptions and, in particular, the perceptual biases held by some
licensed drivers. We studied two groups of licensed drivers. The first, called
the case group, was composed of individuals having had at least one suspension
for impaired driving. The second, called the control group, was composed of
licensed drivers having received no sanction during the period under study.
Briefly stated, the principal conclusions are that: Several factors are at work
in the way individuals perceive risks. The most important of these are: age,
accumulation of violations in the year preceding the study, not drinking before
taking the wheel, knowledge of the legal alcohol level for driving, opinion
concerning zero tolerance for impaired driving, and family income. We were most
surprised to note that belonging to the case group or to the control group had
little impact on perceptual biases.
L’impact de la téléphonie mobile au volant sur le dossier
de conduite A
former epidemiological research on the use of Mobile Phone (M.P.) and driving
developed a rich data bank on 36 078 drivers and 19 million phone calls. It had
shown that the phone users registered 38 % more crashes and injury crashes than
the cohort without M.P. and a two fold risk for frequent M.P. users. This paper
shows the results on five groups of complementary analyses that confirm the
inference of the collision relative risk caused by the ownership of M.P. and its
use at the wheel and invalidate Redelmeier and Tibshirani results (1997).
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Last updated: October 2004
Insurance and Risk Management Journal, revue.assurances@hec.ca © HEC Montréal, 2004 All rights reserved. |
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