The Royal Commission on Automobile Insurance of British Columbia was established in 1966 to enquire, among other things, into the cost of providing automobile insurance by insurers to the public. This thesis is concerned with evaluating the cost of writing automobile insurance in Canada, and how this cost affects the rate making policies of the Canadian Underwriters' Association, and finally, as to the influence of the cost factor in establishing a centralized agency. In establishing a gross premium, the insurer must cover expected losses arising out of claims and cover administrative costs. Detailed accounts are kept of claims incurred by line of Insurance. However, for the expense portion only direct claims expenses are allocated by line of insurance; no accounts by line of insurance are kept for the rest of the administrative expenses. Expense accounts are submitted annually to the Superintendent of Insurance, but are not broken down by line of insurance. By using multiple regression analysis on cross sectional data for one calendar year, one can estimate the marginal costs of writing different lines of insurance. The hypothesis will be that expenses can be expressed as a linear function of premiums written by line of Insurance. In addition, it will be possible to determine whether any economies of scale are present in writing automobile insurance. The results of the statistical study indicated that the marginal cost or writing automobile insurance was between 28 and 30 percent or the gross premium, which is lower than the 33 percent expense factor currently used by the Canadian Underwriters' Association. In addition no economies of scale were found in writing automobile insurance in Canada. / Business, Sauder School of / Graduate

The purpose of this study is to determine the evolution and present form of automobile insurance in the State of Texas.

Thesis (M.B.A.)--Boston University

The purpose of the thesis is to review the development of the compensation system for traffic victims in British Columbia and to determined what changes are required in order to improve the equity, efficiency, and effectiveness of the system. The study examines this question from a broad perspective because of the inter-relationships among motor vehicle transportation, traffic safety, and the compensation system. The methods of investigation were twofold. The first step was to read all the pertinent literature on the subject which could be found in Vancouver. The second step was to communicate by telephone, by mail, or in person with individuals who possessed special knowledge with respect to one or more aspects of the subject matter. The latter research was invaluable because it updated the information available in the literature, revealed the practical ramifications of different concepts, and provided British Columbia viewpoints to a world wide problem. The conclusions of the thesis are based to a large extent on value judgments because of the paucity of quantifiable data and the absence of an actuarial analysis. In general the writer feels that more stringent procedures must be employed in the issuance and renewal of licences, and the public must accept automatic suspensions of licences for repeated traffic violations or accident involvement. Simultaneously, improvement in vehicle and roadway design, and emergency treatment of crash victims must be undertaken. The writer concludes that a no-fault, direct writer, and privately operated automobile compensation system is feasible at this time, and will provide a more equitable, effective, and efficient system of allocating premium dollars to a broader range of traffic victims. / Business, Sauder School of / Graduate

No description available.

Thèse. Droit. Paris. 1943.

Thèse. Droit. Paris. 1943.

Thesis (M. Publ. Admin.)--Kutztown University. / Source: Masters Abstracts International, Volume: 45-06, page: 2947. Typescript. Includes bibliographical references (leaves 82-84).

No description available.

No description available.