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Pay-As-You-Drive Auto Insurance: A Simple Way to Reduce Driving-Related Harms and Increase Equity

The FDIC is committed to expanding economic inclusi in the financial mainstream by ensuring that all Ameri- cans have access to safe, secure, and affordable banking services. As part of this effort, the FDIC is working to fi the research and data gap regarding household participa tion in mainstream banking and the use of non-bank financial services. Every two years, the FDIC conducts t National Survey of Unbanked and Underbanked House holds (household survey). This survey estimates the proportions of households that do not participate in the banking system (unbanked households) and that have a relationship with a federally insured institution but also rely on alternative financial services (AFS) providers. | THE HAMILTON PROJECT Advancing Opportunity Prosperity and Growth DISCUSSION PAPER 2008-09 JULY 2008 Jason E. Bordoff Pascal J. Noel Pay-As-You-Drive Auto Insurance A Simple Way to Reduce Driving-Related Harms _ and Increase Equity The Brookings Institution The Hamilton Project seeks to advance America s promise of opportunity prosperity and growth. The Project s economic strategy reflects a judgment that long-term prosperity is best achieved by making economic growth broad-based by enhancing individual economic security and by embracing a role for effective government in making needed public investments. Our strategy strikingly different from the theories driving economic policy in recent years calls for fiscal discipline and for increased public investment in key growthenhancing areas. The Project will put forward innovative policy ideas from leading economic thinkers throughout the United States ideas based on experience and evidence not ideology and doctrine to introduce new sometimes controversial policy options into the national debate with the goal of improving our country s economic policy. The Project is named after Alexander Hamilton the nation s first treasury secretary who laid the foundation for the modern American economy. Consistent with the guiding principles of the Project Hamilton stood for sound fiscal policy believed that broad-based opportunity for advancement would drive American economic growth and recognized that prudent aids and encouragements on the part of government are necessary to enhance and guide market forces. THE HAMILTON PROJECT THE HAMILTON PROJECT Advancing Opportunity Prosperity and Growth Pay-As-You-Drive Auto Insurance A Simple Way to Reduce Driving-Related Harms and Increase Equity Jason E. Bordoff Pascal J. Noel NOTE This discussion paper is a proposal from the authors. As emphasized in The Hamilton Project s original strategy paper the Project was designed in part to provide a forum for leading thinkers across the nation to