Explaining large premium ranges within localities

• Contribution to California Insurance Department workshop June 2008 on the cause of extreme premium ranges within each locality, e.g., Berkeley. (#794+789, 2+25 pages)

• Congressional hearing Oct. 2007 on the FTC "Auto Insurance Credit Score Report" - Statement for the Record (#782, 1 page)

Mandatory Auto Insurance

• Credit-Score Rating & NOW's opposition to its regulation, Testimony (including the following two items) presented at a hearing by the Nat'l Ass'n of Ins. Commissioners (NAIC), Wash. DC, April 30, 2009 (#811, 11 pp.)

• Magazine article "Action to End Group Defamation by Auto Insurers" (#809, 1p.)

• MileMeter Insurance Company brochure (2 pp.)

• Rating by Education & Occupation Status and MileMeter Insurance Company (Texas), for National Conference of Insurance Legislators (NCOIL) hearing, Wash. DC, Feb. 2009 (#808, 2 pp.)

• 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)

The Mile Station R & D 2012 project "Teen Miles" -- an insurance agency method for insuring teen cars

• www.milestation.com (information for insurance agents)

• Background information on Mile Station R & D

• The challenge of teen cars to insurers: a chart of accidents per million miles by driver age and sex

On Pay As You Drive Premiums

• Frequently Asked Questions

• Odometer as Cost Meter -- Why Insurers Won't Use It

• Press Releases and Clippings

• What You Can Do

• Contact Us

Publications & Academic Papers (cont.)

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

• NEW Unsustainable Cost-Shifting in Bonus-Malus Auto Insurance: British Columbia Example? (#799, 15 slides, Western Risk & Insurance Association meeting, January 2009)

• Operation of an Audited-Mile/Year Automobile Insurance System Under Pennsylvania Law (#486, 32 pages, Prepared for the Pennsylvania General Assembly, June, 1992)

• 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