資源描述：
《車險UBI__REGULATION》由會員上傳分享，免費在線閱讀，更多相關(guān)內(nèi)容在學(xué)術(shù)論文-天天文庫。
1、CASANNUALMEETING:UBIREGULATIONNovember2010RobinHarbage,FCASMAAAAgendaIntroduction:RobinHarbageComments:CaraBlankComments:AnneKellyQ&A?2009EMB.Allrightsreserved.Slide2INTRODUCTION?2009EMB.Allrightsreserved.Slide3Whatisusage-basedinsurance(UBI)?NotableUSProgramsUse
2、UsedrivingbehaviorfromdrivingbehaviorfromvehiclestomodifyLibertyinsurancepremiumsortoMileMeterMutualprovideusefulfeedbacktopolicyholders,orboth.VifidVerifiedGMACSftSafetyMileageTravelersServicesAmericanCiCompanieshhaveUUBIBIFamilyprogramsaroundtheglobeManyotherco
3、mpaniesareBehaviormovingtowardRatingimplementationProgressive?2009EMB.Allrightsreserved.Slide4HowdoesUBIwork?gDrivernCustomerveDriviFeedbackLoopdbackoImprFeePolicyPeriodMarketQuoteCollect&AnalyzeatingCompanycoreRSFeedbackLoopproverivingmIUnderwritingD?2008EMB.All
4、rightsreserved.Slide5ReducingRiskCostwithTelematicsRiskSegmentationDerivingriskfactorsfromthedata,andapplyygingloadinggs/discountstocustomerstoenhanceselectionRiskInfluenceNon-fraudCustomerfeedbackonbehavioursCustomerfeedbackonbehaviourstoavoidSelf-selectionReduc
5、ingVehicleusageoverall,andespeciallyhigherriskmilesSfdiSaferdriversClaimsEffectivenessInformingtheclaimsprocessUseoftelematicdataasevidenceUseoftelematicdataasevidenceRiskInfluenceRiskInfluenceHOW?WHERE?WHEN?HOWMUCH?SelfSelectionReducingggunderwritingandclaimsfra
6、ud?2009EMB.Allrightsreserved.Slide6UBIisasignificantadvantageforearlyadopters!NewUBIcompaniescantrytocompetebygivinglargeblinddiscounts,butthatisdangerous!LateUBICompanies$1,200IndAllIndUBIw/Feedback$1,100GeneralOffer2ndUBIOfferw/Feedback$1,000GeneralRevised$900$
7、800iumm$700Pre$600$500$400$30012345678910Theywillgetthehigher-riskdriversataloss?2008EMB.Allrightsreserved.Slide7SpecificRegulationStateshaveimplementedregulationtoencourageregulationtoencouragemileageratingCalifornia–requiredratingvariable,Revised2009Texas–speci
8、ficregulation;HB45,2001Oregon-taxrebHbate;HBB2043,2003?2009EMB.Allrightsreserved.Slide8RegulatorslargelysupportUBIUnlikemanyinnovations,regulatorsviewpositivel
