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Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance

机译：基于信用的保险评分：对汽车保险消费者的影响

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摘要

This report discusses the information that the FTC considered, its analysis of that information, and its findings and conclusions. Parts I and II above present an Executive Summary and Introduction, respectively. Part III is an overview of the development and use of credit-based insurance scores, and Part IV discusses the relationship between credit history and risk. Part V addresses the effect of credit-based insurance scores on the price and availability of insurance. Part VI explores the impact of credit-based insurance scores on racial, ethnic, and other groups. Part VII describes the FTCs efforts to develop a model that reduces differences for protected classes of consumers while continuing to effectively predict risk. Part VIII is a brief conclusion.

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年度 2007
页码 p.1-242
总页数 242
原文格式 PDF
正文语种 eng
中图分类工业技术;
关键词
Credit; Insurance; Automobiles; History; Risk; Claims; Differences; Availability; Prices; Consumers; Ethnic groups;

机译：信用;保险;汽车;历史;风险;索赔;差异;可用性;价格;消费者;族群;

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1. Tenure dependence in consumer-firm relationships: an empirical analysis of consumer departures from automobile insurance firms [J] . Mark Israel The rand journal of economics . 2005,第1期

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2. Workers' Accident Compensation Insurance and Compulsory Automobile Liability Insurance in Japanese Public Medical Insurance System [J] . Masami ISHIL, Naoki HAYASHI Japan Medical Association journal: JMAJ . 2010,第5期

机译：日本公共医疗保险制度中的工人事故赔偿保险和强制性汽车责任保险
3. Automobile Insurance Vehicle Repair Practices: Politics, Economics, and Consumer Interests [J] . Cassandra Cole, Patrick Maroney, Kathleen McCullough, Risk management and insurance review . 2015,第1期

机译：汽车保险车辆维修实践：政治，经济学和消费者利益
4. Irrationality in Automobile Insurance Classification-Analysis of one problem in China automobile insurance market [C] . XU Dongwei International conference on data storage and data engineering . 2011

机译：汽车保险分类中的不合理性-中国汽车保险市场的一个问题分析
5. Consumer-firm relationships in limited information subscription markets: An empirical analysis of consumer choice in automobile insurance. [D] . Israel, Mark A. 2001

机译：有限的信息订阅市场中的消费者－公司关系：汽车保险中消费者选择的实证分析。
6. Development of the Health Insurance Literacy Measure (HILM): Conceptualizing and Measuring Consumer Ability to Choose and Use Private Health Insurance [O] . Kathryn A. Paez, Coretta J. Mallery, HarmoniJoie Noel, -1

机译：健康保险扫盲措施（HILM）的发展：概念化和衡量消费者选择和使用私人健康保险的能力
7. Do Credit-Based Insurance Scores Proxy for Income in Predicting Auto Claim Risk? [O] . Morris, Darcy Steeg, Schwarcz, Daniel, Teitelbaum, Joshua C. 2016

机译：在预测汽车索赔风险时，基于信用的保险会为收入打分吗？
8. Impact of Credit-Based Insurance Scoring on the Availability and Affordability of Insurance [R] . 2008

机译：基于信用的保险评分对保险可用性和可支付性的影响

Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance

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