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- W795720673 abstract "In an attempt to gain an overview of the structure and implementation of the Risk Plan, a review of published material and a meeting with members of the New York State Insurance Department were undertaken. We found that the Assigned Risk Plan is an independent institution run by the participating insurance companies in the State. The New York State Insurance Department has definite controls and guidelines through which it supervises the Plan. Complementing its regulating functions, the Insurance Department has a Complaint Bureau to which policyholders have recourse. To charges that they act in an arbitrary manner in selecting who they will insure, insurance companies reply that they are using sound actuarial methods. This explanation is also used in defense of alleged discriminatory practices which the insurance companies claim are based on place of residence and not on racial or ethnic grounds. Based on findings described in this report, we recommend that driving records of people in the Plan for three years or longer be reviewed, in conjunction with other available information, to test the fairness and effectiveness of the automobile insurance risk selection mechanisms." @default.
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- W795720673 date "1969-05-01" @default.
- W795720673 modified "2023-09-26" @default.
- W795720673 title "A REVIEW OF THE AUTOMOBILE INSURANCE ASSIGNED RISK PLAN IN NEW YORK STATE" @default.
- W795720673 hasPublicationYear "1969" @default.
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