Contents

CENTSPERMILENOW

Per-Mile Premiums for Auto Insurance

The Only Way to Make Mandatory Automobile Insurance Work

Table of Contents

Congressional hearing Oct. 2007 on the FTC "Auto Insurance Credit Score Report" - Statement for the Record (#782 one page)

On Mandatory Auto Insurance

Texas Cents-Per-Mile law of 2001 -- Sunset on Sept. 1, 2005

Why is Mandatory Auto Insurance Opposed by Insurers?

How Mandatory Auto Insurance is Sabotaged
by Per-Car Premiums

Harmful "Adverse Selection" in Auto Insurance and Why Insurers Resist the Remedy (Sept. 2003)

Adverse Selection Cartoon: Low Credit-Score Drivers Saving the Hard Way (#736 Oct. 2005, pdf file)

Academic Papers

Why Low Credit Scores Predict More Auto Liability Claims: Two Theories Essay written for the Journal of Insurance Regulation sponsored by the National Association of Insurance Commissioners NAIC (#776 Oct. 2007, 8 pages)
Current Insurance Pricing Unduly Limits Car Ownership - Letter published by the Economists' Voice, December 2006
Why Low Credit Scores Predict More Auto Liability Claims: Two Theories Working Paper, American Risk & Insurance Association, August 2007 (#774, 11 pages)
Driver Negligence vs. Odometer Miles: Rival Theories to Explain 12 Predictors of Auto Insurance Claims (#755, 34 pages, American Risk & Insurance Association 2006 Mtg.
What Negligence Theory Needs to Learn from Automobile Insurance: 'Fault is Predictively Irrelevant' (and Why) (#756, 23 pages July 28, 2006 working essay on tort law and economics)
Pay-Per-Mile Auto Insurance section from textbook Consumer Economic Issues in America, 8th Ed. 2003, Thomas Garman

On Pay As You Drive Premiums

Publications & Academic Papers (cont.)

List of Papers (Available here as downloadable pdf files and on request as paper copy reprints sent by postal mail)

Driving With The Brakes On: Guido Calabresi's Failed 1970 Auto Insurance Case Against Safety-Device Mandates #752 (32 pages, August 30, 2005)

Are Drivers of Uninsured Vehicles "More Dangerous"? A Sampling Paradigm to Resolve Conflicting Evidence (#750 13 pages, Southern Risk & Ins. Assoc. 2004 Ann. Mtg.)

Proof That Auto Insurance Rating by Accident Record Predicts Miles not Negligence: Fault is Predictively Irrelevant (#753 12 pages, Western Risk & Insurance Assoc. 2005 Annual Meeting)
An Alternative to the High-Risk-Driver Theory: Adverse Selection Induced by Per-Car Premiums (#748, 24 pages. American Risk & Insurance Association Annual Meeting August 2004)
Why the Standard Automobile Insurance Market Breaks Down in Low-Income Zip Codes: 2000 Report to TX Legislature Analysis of testimony on which the Texas Cents-Per-Mile-Choice law of 2001 was based (#633, 39 pages)

Texas Auto Insurance Costs by County ($$ per vehicle year) and by Miles Driven (¢ per vehicle mile)

CentsPerMileNow is a project of the National Organization for Women (NOW), Washington, DC, and Texas NOW