The author examines the aim of insurance and the threefold approach currently being adopted by insurers in the majority of European countries: (1) insurers can act on rating in the light of the subjective risk represented by a given driver (bonus or malus); (2) funding by the insurance industry or organizations specializing in accident prevention; and (3) European insurers meet regularly in Paris in the Comité Européen des Assurances which has an Accident Prevention and Road Safety Subcommittee, the main activities of which are: listing proposals or accomplishments in Europe; coordinating information; and making concrete suggestions.
Abstract