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Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's

1st Person: Ayuso, Mercedes
Additional Persons: Guillen, Montserrat; Pérez-Marín, Ana María
Type of Publication: Article
Language: English
Published: MDPI 2016
Online: http://hdl.handle.net/10419/167880
id
oai_econstor.eu_10419-167880
recordtype
econstor
institution
MPG
collection
ECONSTOR
title
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
spellingShingle
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
Ayuso, Mercedes
title_short
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
title_full
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
title_fullStr
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
title_full_unstemmed
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
title_sort
Telematics and gender discrimination: Some usage-based evidence on whether men's risk of accidents differs from women's
format
electronic Article
format_phy_str_mv
Article
publisher
MDPI
publishDate
2016
language
English
author
Ayuso, Mercedes
author2
Guillen, Montserrat
Pérez-Marín, Ana María
author2Str
Guillen, Montserrat
Pérez-Marín, Ana María
description
Pay-as-you-drive (PAYD), or usage-based automobile insurance (UBI), is a policy agreement tied to vehicle usage. In this paper we analyze the effect of the distance traveled on the risk of accidents among young drivers with a PAYD policy. We use regression models for survival data to estimate how long it takes them to have their first accident at fault during the coverage period. Our empirical application with real data is presented and shows that gender differences are mainly attributable to the intensity of use. Indeed, although gender has a significant effect in explaining the time to the first crash, this effect is no longer significant when the average distance traveled per day is introduced in the model. This suggests that gender differences in the risk of accidents are, to a large extent, attributable to the fact that men drive more often than women. Estimates of the time to the first accident for different driver risk types are presented. We conclude that no gender discrimination is necessary if telematics provides enough information on driving habits.
url
http://hdl.handle.net/10419/167880
journal
Risks
journalStr
Risks
Risks
issn
2227-9091
up_date
2019-04-23T02:50:14.069Z
_version_
1631571487274041347

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