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.
Please click on the file name below to view the presentations. Once open, you can choose "file" from your menu and then save the PowerPoint presentation to your disk. The presentation also is available in Adobe Acrobat format. The Adobe Acrobat file is smaller and faster to download. However, you do need the appropriate software to view.
You can download Adobe Acrobat Reader, free of charge, from the Adobe website (https://www.adobe.com/products/acrobat/readstep.html).
Note: Printer fonts may vary by browser and version of Adobe Reader.