tailieunhanh - Automobile Insurance Pricing: Operating Cost versus Ownership Cost; the Implications for Women

Federal crop insurance policies are generally either yield-based or revenue-based. For most yield- based policies, a producer can receive an indemnity if there is a yield loss relative to the farmer’s “normal” (historical) yield. Revenue-based policies were developed after yield-based policies, in the mid-1990s, to protect against crop revenue loss resulting from declines in yield, price, or both. The most recent addition has been products that protect against losses in whole farm revenue rather than just for an individual crop. These two basic forms—yield-based and revenue-based— are discussed below. The text boxes in this report entitled “Crop Insurance Examples: Yield- Based vs. Revenue-Based”. | Automobile Insurance Pricing Operating Cost versus Ownership Cost the Implications for Women Patrick Butler National Organization for Women Automobile Insurance Pricing P. Butler AUTOMOBILE INSURANCE PRICING OPERATING COST VERSUS OWNERSHIP COST THE IMPLICATIONS FOR WOMEN ABSTRACT This paper assesses the ability of automobile insurance prices to distinguish the 2 1 ratio of men s to women s annual mileage which is linked to a similar ratio of accident involvement per year. Review of current price classes by driver sex and age by future mileage and by past driver record reveals severe limitations to their capacity to assess women s lower mileage exposure to risk of accidents. Accidents are modeled as a process of random sampling of vehicle miles traveled VMT by cars in an insurance class. This analogy underscores 1 the impossibility of pricing by individual accident record and 2 the paramount importance of odometer-measured vehicle miles of on-the-road exposure for assessing individual accident risk in money terms. The need for risk classification as the essential complement to exposure measurement is shown by considering how a single insurance surcharge on gasoline pay at the pump insurance as an exposure measure would perversely affect incentives for risk control. Current risk classification is profoundly compromised because individual exposure is not measured. An efficient per-mile premium system combining exposure measurement and risk classification is described. Current flat premiums are compared to premiums that would increase in direct proportion to miles of driving exposure. This comparison shows how individuals and also women and men as groups would be affected by changing insurance from a fixed cost of car ownership to a per-mile operating cost of car use. INTRODUCTION As a fixed cost of car ownership automobile insurance currently competes for financial resources with car payments registration fees and property taxes. If we were to make insurance a .

• Bảo hiểm
• Significance
• Fruit Nutrition
• Nutrition and Growth
• UV C Hormesis
• Relation to Some
• Phytochemicals
• Biological Significance
• Ecological Role
• Aklaloid Chemistry
• environmental change
• human evolution
• Irwin Edman
• Human Traits
• Social Significance
• International journal of computer science & communication networks
• Reviewing the significance of software metrics
• Ensuring design reusability in software engineering
• Ensuring design reusability
• The significance of software metrics
• Less used software metrics
• Clinical significance
• Clinical significance of SNP
• MICA promoter
• SNP analysis
• Liver cirrhosis
• Hepatocellular carcinoma and HCV
• Humanities and social science
• Cultural significance
• International communication reflection
• Overseas communication
• From success to Significance
• creative thinking
• successful management
• business strategy
• challenging opportunities
• business success
• Diabetes Mellitus
• Pregnant Women
• Birth Outcomes
• Diabetic Women
• Myocardial Infarction
• Cardiovascular Disease
• The significance of the kidney in diabetes
• economic significance
• finance
• finance document
• finance ebook
• finance specific study
• finance research
• Pantheism Its Story
• History
• Philosophy
• Its Origins Doubtful
• Religion
• software
• free
• cultural
• bits
• Duke University Press Book
• medical research
• therapeutic
• pharmaceutical
• Prognostic Significance
• Dyspnea
• Patients Referred
• Cardiac Stress Testing
• symptoms
• biochemical
• Babylonian
• Assyrian Birth
• Etruscans
• Spread of Hepatoscopy
• Double foetus
• Morris Jastrow
• Ebook The Origin
• Significance of Hegel’s Logic
• General Introduction
• Hegel’s System
• Phenomenology continue
• Phenomenology Logic
• Definition and Significance of Leadership
• economics english
• english major
• english economics
• economic terminology in English
• English trade
• economic principles
• Qualitative communication research
• Significance levels
• Hypothesis testing
• Communication research
• Lecture Communication research
• Research process
• Genus Cota J
• Gay
• Achene morphology
• Taxonomic significance
• Scanning electron microscope
• Anthemis marschalliana Willd
• Evolutionary significance
• Pollen characters
• Special reference
• Light microscope
• The significance of Naga
• Architectural and sculptural ornaments in Thai
• Indigenous Serpent Cult in Thailand
• Naga in Thai Brahmanism
• Theravada Buddhism
• Rheumatoid arthritis
• Systemic inflammatory disease
• High mobility group box protein 1
• HMGB1 gene
• Secondary metabolites
• Pharmacological significance
• Plant secondary metabolites
• Prophylactic applications
• Quorum sensing and applications
• Diverse fields of significance
• Quorum sensing
• Incorporate components
• Several unicellular microorganisms
• Historical significance of masjid al Qadim
• Architectural elements of masjid al Qadim
• Three tier pyramidal style
• Three major renovations
• Malay Melanau Muslim community in Sibu
• BMC Cancer
• Decision making
• T2 FLAIR mismatch sign
• IDH mut astrocytomas
• Meta analysis
• Immunosuppressive microenvironment
• Clinicopathlogical features
• Lymph node metastases
• Dendritic cells
• Domestic animal species
• Skin of domestic animals
• Functional significance
• Dendritic cells in the skin