자동차보험 지역별 차등제

2019년5월1일 미국 하원의 자동차보험요율 관련 소위원회가 열리기전 청문회에서 미국보험협회(Insurance Information Institute)의 수석 보험계리사인 James Lynch(FCAS, MAAA)가 출석해서 자동차보험요율 책정에 관해서 증언했다.

개인에게 적용되는 자동차요율은 사고이력에 근거하지만, 그 이외에도 지역별 요인도 중요하다고 강조했다.
단위면적당 차량의 수가 많을수록 사고율이 높기 때문임을 근거로 제시했다.

한편 Rashida Tlaib의원은 신용등급을 자동차요율에 반영하는 것에 대해 문제제기하였다.

출처 : https://www.casact.org/press/index.cfm?fa=viewArticle&articleID=4400&fbclid=IwAR0UroOzUyg3YwEkgHaUWdOJa6LYWcX62e2p5nXJZnaYmf4Nhxn8sDQRUoI

https://www.casact.org/press/index.cfm?fa=viewArticle&articleID=4400&fbclid=IwAR0UroOzUyg3YwEkgHaUWdOJa6LYWcX62e2p5nXJZnaYmf4Nhxn8sDQRUoI

CAS Fellow Testifies Before House Subcommittee on Insurance Rating Factors

James Lynch, FCAS, MAAA, chief actuary at the Insurance Information Institute, testified last week at a U.S. House of Representatives subcommittee hearing examining the U.S. auto insurance and auto lending industries. In his May 1 testimony before the U.S. House of Representatives Financial Services Committee/Subcommittee on Oversight & Investigations, Lynch explained how insurance companies set rates for auto insurance, including the importance of rating factors in actuarial calculations.

“Insurers use teams of actuaries to figure out how to set rates—how much to charge the average risk; who deserves a discount, and who does not.” Lynch said in his testimony. “They look for characteristics that successfully predict the accident rate. The most famous, perhaps, is driving record. Drivers who have avoided accidents for several years are less likely to be in an accident in the future. But driving record is not the only factor. The strongest by most accounts is location, which tells a lot about the number of vehicles per square mile. The more cars there are in an area, the more likely they are to crash into each other.”

U.S. House Rep. Rashida Tlaib (D-Michigan) has argued against U.S. auto insurer use of non-driving rating factors, such as credit-based insurance scores, to price policies; Rep. Tlaib introduced the Preventing Credit Score Discrimination in Auto Insurance Act (House Resolution 1756) earlier this year.

Lynch told the committee that auto insurer rating variables undergo rigorous actuarial analysis and are also filed in advance with state regulators, along with statistical proof of their effectiveness. Lynch noted that insurance regulators in 47 U.S. states allow auto insurers to use credit-based insurance scores as a rating factor.