Credit-based insurance scores : impacts on consumers of automobile insurance /

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Detalles Bibliográficos
Clasificación:Libro Electrónico
Otros Autores: Tarlington, Martin H. (Editor )
Formato: Electrónico eBook
Idioma:Inglés
Publicado: New York : Nova Science Publishers, Inc., [2009]
Temas:
Consumer credit > United States.
Credit scoring systems > United States.
Discrimination in insurance > United States.
Automobile insurance > United States.
Crédit à la consommation > États-Unis.
Évaluation par points (Crédit) > États-Unis.
Discrimination dans les assurances > États-Unis.
Assurance-automobiles > États-Unis.
BUSINESS & ECONOMICS > Insurance > Automobile.
Automobile insurance
Consumer credit
Credit scoring systems
Discrimination in insurance
United States
Acceso en línea:Texto completo

MARC

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245 0 0 |a Credit-based insurance scores :  |b impacts on consumers of automobile insurance /  |c Martin H. Tarlington, editor. 
264 1 |a New York :  |b Nova Science Publishers, Inc.,  |c [2009] 
300 |a 1 online resource 
336 |a text  |b txt  |2 rdacontent 
337 |a computer  |b c  |2 rdamedia 
338 |a online resource  |b cr  |2 rdacarrier 
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504 |a Includes bibliographical references (pages 127-146) and index. 
588 |a Description based on online resource; title from PDF title page (Site, viewed 01/29/2021). 
505 0 |a CREDIT-BASED INSURANCE SCORES:IMPACTS ON CONSUMERS OFAUTOMOBILE INSURANCE; CONTENTS; PREFACE; I. EXECUTIVE SUMMARY; II. INTRODUCTION; III. DEVELOPMENT AND USE OFCREDIT-BASED INSURANCE SCORES; A. BACKGROUND AND HISTORICAL EXPERIENCE; B. DEVELOPMENT OF CREDIT-BASED INSURANCE SCORES; C. USE OF CREDIT-BASED INSURANCE SCORES; D. STATE RESTRICTIONS ON SCORES; IV. THE RELATIONSHIP BETWEENCREDIT HISTORY AND RISK; A. CORRELATION BETWEEN CREDIT HISTORY AND RISK; 1. Prior Research; 2. Commission Research; a. FTC Database; B. POTENTIAL CAUSAL LINK BETWEEN SCORES AND RISK. 
505 8 |a V. EFFECT OF CREDIT-BASED INSURANCESCORES ON PRICE AND AVAILABILITYA. CREDIT-BASED INSURANCE SCORES ANDCROSS-SUBSIDIZATION; 1. Possible Impact on Car Ownership; 2. Possible Impact on Uninsured Driving; 3. Adverse Selection; B. OTHER POSSIBLE EFFECTS OFCREDIT-BASED INSURANCE SCORES; C. EFFECTS ON RESIDUAL MARKETSFOR AUTOMOBILE INSURANCE; VI. EFFECTS OF SCORES ON PROTECTEDCLASSES OF CONSUMERS; A. Credit-Based Insurance Scores and Racial, Ethnic, and Income Groups; 1. Difference in Scores Across Groups; 2. Possible Reasons for Differences in Scores Across Groups. 
505 8 |a 3. Impact of Differences in Scores on Premiums Paida. Effect on those for whom Scores Were Available; b. Effect on Those for Whom Scores Were Not Available; B. SCORES AS A PROXY FOR RACE AND ETHNICITY; 1. Do Scores Act Solely as a Proxy for Race, Ethnicity, or Income?; 2. Differences in Average Risk by Race, Ethnicity, and Income; 3. Controlling for Race, Ethnicity, and Income to Test for a Proxy Effect; a. Existence of a Proxy Effect; b. Magnitude of a Proxy Effect; VII. ALTERNATIVE SCORING MODELS; A. THE FTC BASELINE MODEL; B. ALTERNATIVE SCORING MODELS; 1. "Race Neutral" Scoring Models. 
505 8 |a 2. Model Discounting Variables with Large Differencesby Race and EthnicityVIII. CONCLUSION; APPENDIX A. TEXT OF SECTION 215 OF THE FACT ACT; SEC. 215. STUDY OF EFFECTS OF CREDIT SCORES AND CREDITBASEDINSURANCE SCORES ON AVAILABILITYAND AFFORDABILITY OF FINANCIAL PRODUCTS; APPENDIX B. REQUESTS FOR PUBLIC COMMENT; FEDERAL TRADE COMMISSION; SUMMARY; DATES; ADDRESSES; FOR FURTHER INFORMATION CONTACT; SUPPLEMENTARY INFORMATION; I. Background; II. Request for Comments; FEDERAL TRADE COMMISSION; SUMMARY; DATES; ADDRESSES; FOR FURTHER INFORMATION CONTACT; SUPPLEMENTARY INFORMATION; I. Background. 
505 8 |a II. Request for CommentsA. Credit Scores and Credit; B. Credit-Based Insurance Scores and Property and Casualty Insurance; APPENDIX C. THE AUTOMOBILE POLICYDATABASE; C.1. THE EPIC DATABASE; C.2. THE FTC DATABASE; C.2. 1. Additional Information Obtained for the Full Sample; Core Policy Data and ChoicePoint Credit Scores; Geographic Location Information and Census Data; Choice Point Credit History Variables; CLUE Data; Hispanic Surname Match; Vehicle Characteristics; C.2.2. Additional Information Obtained for a Sub-Sample of 400,000; FICO Scores. 
590 |a eBooks on EBSCOhost  |b EBSCO eBook Subscription Academic Collection - Worldwide 
650 0 |a Consumer credit  |z United States. 
650 0 |a Credit scoring systems  |z United States. 
650 0 |a Discrimination in insurance  |z United States. 
650 0 |a Automobile insurance  |z United States. 
650 6 |a Crédit à la consommation  |z États-Unis. 
650 6 |a Évaluation par points (Crédit)  |z États-Unis. 
650 6 |a Discrimination dans les assurances  |z États-Unis. 
650 6 |a Assurance-automobiles  |z États-Unis. 
650 7 |a BUSINESS & ECONOMICS  |x Insurance  |x Automobile.  |2 bisacsh 
650 7 |a Automobile insurance  |2 fast 
650 7 |a Consumer credit  |2 fast 
650 7 |a Credit scoring systems  |2 fast 
650 7 |a Discrimination in insurance  |2 fast 
651 7 |a United States  |2 fast 
700 1 |a Tarlington, Martin H.,  |e editor. 
776 0 8 |i Print version:  |t Credit-based insurance scores  |d New York : Nova Science Publishers, c2009.  |z 1606929143 (hardcover)  |w (DLC) 2008055220 
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