1. Rating Variables in Maryland Auto Insurance
Testimony Before Maryland House of Delegates, Economic Matters Committee February 8, 2018
James Lynch, FCAS MAAA, Chief Actuary
Insurance Information Institute  110 William Street  New York, NY Tel:  

2. Motor Vehicle Accident-Associated Death Rates by Education Level, 2010*
‘We Found Larger Mortality Decreases Among the More Highly Educated and Some Evidence of Mortality Increases Among the Least Educated.’
*Age-, Sex-, and Race-Adjusted Rates of Motor Vehicle Accident–Associated Death per Specified Population Among Adults Aged
25 Years or More, by Measure of Travel Exposure and Educational Attainment, in 30 US States.
Source: Trends in Socioeconomic Inequalities in Motor Vehicle Accident Deaths in the United States, ,
American Journal of Epidemiology, September 2015.

3. Relative Incidence Rates and Hazard Ratios for Driver Injury by Occupational Status*
Conclusion: Occupational Status Seems to Be an Important Determinant of Driver Injury Risk.
*Study done in New Zealand. Occupational status was defined as the International Socioeconomic Index (ISEI) score for self reported occupation. Results adjusted for age, sex, cohort, alcohol, driving exposure, area of residence, marital status, BMI, and educational level. Source: Whitlock et al., Motor vehicle driver injury and socioeconomic status: a cohort study with prospective and retrospective driver
Injuries, Journal of Epidemiology and Community Health, November 2002.

4. Thank you for your time and your attention!
Read our auto White Paper on Rising Personal Auto Costs at