A report in support of proposed amendments to article 5, section 81, of the New York Insurance Law : submitted to the Joint Legislative Committee on Insurance rates and regulation of the State of New York /

Mode of access: Internet.

Motor carriers: the availability of environmental restoration insurance.

Mode of access: Internet.

Analysis of insurance premiums and payouts for 1983-1984 designated high theft rate passenger cars. Final report.

National Highway Traffic Safety Administration, Washington, D.C.

The United Kingdom automobile insurance market. Final report.

National Highway Traffic Safety Administration, Office of Research and Development, Washington, D.C.

State no-fault automobile insurance experience 1971-1977.

Mode of access: Internet.

An assessment of publicized insurance sanctions as a DWI countermeasure. Final report.

National Highway Traffic Safety Administration, Washington, D.C.

Testimony : taken before the joint committee senate and assembly of the state of New York to investigate and examine into the business and affairs of Life Insurance companies ; doing business in the state of New York.

Mode of access: Internet.

Market failure in long-term private health insurance markets: a proposed solution

Recently, private health insurance rates have declined in many countries. In places requiring community rating in their health insurance premiums, a major cause is age-based adverse selection. However, even in countries without community rating, a de facto type of partial community rating tends to occur. In this note, a modified version of Pauly et al.'s guaranteed renewability model, which addresses the problem of age-based adverse selection (Pauly et al., 1995) is presented. Their model is extended from three to 35 periods. Also, probabilities are allowed to increase by age for low-risk types using actual age-based probabilities. This extension of their work shows that private health insurance contracts available stray far from optimal contracts that deal with age-based adverse selection. This suggests that government actions to affect private insurance options are warranted.

Lifetime cover in private insurance markets

In the last few decades, private health insurance rates have declined in many countries. In countries and states with community rating, a major cause is adverse selection. In order to address age-based adverse selection, Australia has recently begun a novel approach which imposes stiff penalties for buying private insurance later in life, when expected costs are higher. In this paper, we analyze Australiarsquos Lifetime Cover in the context of a modified version of the Rothschild-Stiglitz insurance model (Rothschild and Stiglitz, 1976). We allow empirically-based probabilities to increase by age for low-risk types. The model highlights the shortcomings of the Australian plan. Based on empirically-based probabilities of illness, we predict that Lifetime Cover will not arrest adverse selection. The model has many policy implications for government regulation encouraging long-term health coverage.

Motor vehicle demand models: assessment of the state of the art and directions for future research. Final report.

National Highway Traffic Safety Administration, Office of Research and Development, Washington, D.C.

65 mph: winners and losers. Final grant report.

National Highway Traffic Safety Administration, Office of Research and Development, Washington, D.C.

Final assessment of the bumper standard.

Mode of access: Internet.

Final assessment of the bumper standard. Executive summary.

Mode of access: Internet.

Passive restraints for automobile occupants--a closer look.

Mode of access: Internet.