Risikoorientierte Prämiendifferenzierung in der Kfz-Haftpflichtversicherung — Mehr Prämiengerechtigkeit und weniger Verkehrsunfälle? |
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Authors: | C Growitsch K-D Schade R Schwarze H-P Schwintowski Th Wein |
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Institution: | 12. Halle, Deutschland 22. Flensburg, Deutschland 32. Frankfurt/Oder, Deutschland 42. Berlin, Deutschland 52. Lüneburg, Deutschland
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Abstract: | New empirical studies and foreign experiences are able to show that risk classification improves the incentives for traffic safety in the mandatory third-party motor insurance. The introduction of rebates and surcharges which will be based on demerit points could help for a better risk classification. In Germany demerit points are registered by the Federal Transport Authority in Flensburg. The article shows how German insurance companies could use these demerit points for the mandatory third-party motor insurance. There are no legal restrictions to voluntarily invent such kind of risk classification. |
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