Une évaluation empirique de la nouvelle tarification de l'assurance automobile (1992) au Québec

Georges Dionne () and Charles Vanasse
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Charles Vanasse: Université de Montréal

No 96-3, Working Papers from HEC Montreal, Canada Research Chair in Risk Management

Abstract: The goal of this research was to evaluate the effects of the 1992 change in the automobile insurance pricing by the Société de l'assurance automobile du Québec (SAAQ, the public insurer for bodily injuries) on road safety. Our results indicate that the new pricing system reduced infractions and accidents which means that it increased road safety. Moreover, our results show that the total number of demerit points accumulated over two years is a good predictor for road accidents in the next two-years period which supports the pricing formula of the SAAQ. Finally, we obtain that this pricing policy introduces more fairness in actuarial terms by charging higher premia to higher risks. These results were obtained from the parameters estimation of the Negative Binomial distribution with random effects to take into account of the panel characteristics of the data.

Keywords: Sécurité routière; tarification publique de l assurance automobile; Québec; accidents de la route; infraction; points dinaptitude; Poisson; Binomiale négative; panel; effets aléatoires; effets fixes (search for similar items in EconPapers)
JEL-codes: G22 (search for similar items in EconPapers)
Pages: 33 pages
Date: 1997-03-01
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Related works:
Journal Article: Une évaluation empirique de la nouvelle tarification de l’assurance automobile (1992) au Québec (1997)
Working Paper: Une évaluation empirique de la nouvelle tarification de l'assurance automobile (1992) au Québec (1997)
Working Paper: Une evaluation empirique de la nouvelle tarification de l'assurance automobile (1992) au Quebec (1996)
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Persistent link: https://EconPapers.repec.org/RePEc:ris:crcrmw:1996_003

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