1979 Automobile Accident Reports: Do Driver Characteristics Support Rate Discrimination?
利用1979年怀俄明州全部事故记录，研究年龄、性别和居住地这三个变量与事故频率及严重程度的关系，发现它们能较好预测事故频率，对严重程度预测稍弱。
Age, sex and place of residence are widely used by automobile insurers as classification variables for rate making purposes. Using the entire universe of Wyoming accident records for 1979, this study examines these three variables in relation to the frequency of accidents and resulting physical injury and property damage. This examination suggests that these variables are reasonably good predictors of accident frequency, and to a lesser degree, of accident severity.