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What We Know About Uninsured Motorists and How Well We Know What We Know

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  • Khazzoom, J. Daniel

Abstract

The problem posed by the uninsured motorist is of concern to the general public, policyholders, insurance companies, insurance regulators, and legislators. What is striking, however, is the fragmentary nature of the information that is available and the fact that it is scattered over so many sources. Even more striking is the fact that those sources often provide conflicting estimates, and the methods used in deriving those estimates are either never spelled out or, if they are, their reliability is unknown. In view of the general concern with the problem of uninsured motorists, this paper attempts to present an overview of what we know about the uninsured motorists and how well we know what we know through the following measures: clarifying the subtleties of the definition of an uninsured motorist; discussing the more prominent methods used to estimate the number of uninsured motorists and the properties of the estimates generated by these methods; illustrating what is known about the profiles of uninsured motorists; and pointing briefly to factors that account for the existence of uninsured motorists.

Suggested Citation

  • Khazzoom, J. Daniel, 2000. "What We Know About Uninsured Motorists and How Well We Know What We Know," Discussion Papers 10533, Resources for the Future.
    • Handle: RePEc:ags:rffdps:10533
    DOI: 10.22004/ag.econ.10533
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    File URL: https://ageconsearch.umn.edu/record/10533/files/dp980009.pdf
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    References listed on IDEAS

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    1. Gaudry, M., 1986. "Measuring the Effects of the 1978 Quebec Automobile Insurance Act with the Drag Model," Cahiers de recherche 8644, Universite de Montreal, Departement de sciences economiques.
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    Cited by:

    1. Hans Lueders & Micah Mumper, 2022. "Driving while unauthorized: Auto insurance remains unchanged when providing driver licenses to unauthorized immigrants in California," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 89(3), pages 669-696, September.
    2. Piotr Dziel & Agnieszka Jarzębska & Maciej Naduk, 2018. "Estimating the number of uninsured vehicle owners," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 51, pages 109-128.

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    More about this item

    Keywords

    Risk and Uncertainty;

    Statistics

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