A statistical model of individual accident risk predic-tion using driver record, territory and other biographi-cal factors.

The present report is a revised version of a report chap-ter prepared in G79 as part of the California Departmentof Tnsurance study pursuant to Assembly Concurrent Reso-lution 100. The objectives of the study veere: 1) to deter-mine the relative importante of territory, prior drivingrecord and other variables in predicting future accidentinvolvement; and 2) to determine whether a driver's areaof residence is a fair and actuarially sound rating fac-tor'