Things That Make You More Likely to Be in an Accident

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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