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Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages. When the premium is not mandated by the government, it is usually derived from the calculations of an actuary based on statistical data. The premium can vary depending on many factors that are believed to have an impact on the expected cost of future claims. Those factors can include the car characteristics, the coverage selected (deductible, limit, covered perils), the profile of the driver and the usage of the car (commute to work or not, predicted annual distance driven).





Auto Insurance Top Facts

Vehicle insurance
Vehicle insurance (also known as auto insurance, GAP insurance, car insurance, or motor insurance) is insurance purchased for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. The specific terms of vehicle insurance vary with legal regulations in each region.
Vehicle insuranceVehicle insuranceTypes of insurance

Progressive Corporation
The Progressive Corporation, known as the Progressive Casualty Insurance Company through its subsidiaries, provides personal automobile insurance, and other specialty property-casualty insurance and related services in the United States. The company was co-founded in 1937 by Jack Green and Joe Lewis and is headquartered in Mayfield Village, Ohio.
Progressive CorporationInsurance companies of the United StatesCompanies established in 1937Companies based in Cleveland, OhioCompanies based in OhioInsurance companies of Australia

Homestead–Miami Indy 300

Homestead–Miami Indy 300

No-fault insurance
In its broadest sense, "no-fault insurance" is a term used to describe any type of insurance contract under which insureds are indemnified for losses by their own insurance company, regardless of fault in the incident generating losses. In this sense, it is no different from first-party coverage.
No-fault insuranceInsurance lawTypes of insurance

Smartphone auto insurance policies
Smartphone based Vehicle Insurance Policies (sometimes called Telematics2.0) are a branch of Usage-based insurance. SmartPhone based policies are a form of Pay How You Drive insurance which minimises installed hardware requirements by utilising Smartphone technology. Smartphone based policies differ from other policies in terms of hardware, infrastructure and Interaction Modalities. Costs of Cellphone based policies typically cost less than intensive hardware backed solutions.
Smartphone auto insurance policiesVehicle insurance

GAINSCO
GAINSCO is an auto insurance company headquartered in Dallas, Texas. The company was founded in October 1978 by Joseph Macchia and currently markets its products through independent insurance agents across the Sunbelt. GAINSCO sponsors the No. 99 GAINSCO/Bob Stallings Racing Daytona Prototype racecar in the Grand-Am Rolex Sports Car Series.
GAINSCOInsurance companies of the United StatesCompanies listed on the American Stock ExchangeCompanies based in Dallas, Texas

Kemper Direct
Kemper Direct Auto and Home Insurance is a direct to consumer auto insurance writer headquartered in Chicago, Illinois. It is a subsidiary of Kemper Corporation, which has over $8 billion in assets and more than six million policyholders.
Kemper DirectCompanies based in Chicago, IllinoisCompanies established in 2000Insurance companies based in Illinois

2008 GAINSCO Auto Insurance Indy 300
The 2008 GAINSCO Auto Insurance Indy 300 was the opening round of the 2008 IndyCar Series season and took place on March 29, 2008 at the 1.485-mile (2.390 km) Homestead-Miami Speedway. For the first time in series history, the reigning champion was not on the grid to defend his title, as Dario Franchitti had moved to the #40 NASCAR Sprint Cup car for Chip Ganassi Racing. 2003 champion Scott Dixon kicked off the season with the victory, on his way to the series championship.
2008 GAINSCO Auto Insurance Indy 300Miami Indy 3002008 in IndyCar

Auto insurance risk selection
Auto insurance risk selection is the process by which vehicle insurers determine whether or not to insure an individual and what insurance premium to charge. Depending on the jurisdiction, the insurance premium can be either mandated by the government or determined by the insurance company in accordance to a framework of regulations set by the government. Often, the insurer will have more freedom to set the price on physical damage coverages than on mandatory liability coverages.
Auto insurance risk selectionVehicle insuranceActuarial science

United States auto insurance
Automotive insurance, in the United States and elsewhere, is designed to cover risk of financial liability or loss a motor vehicle owner may face if their vehicle is involved in a collision resulting in property or physical damages. Some states require a motor vehicle owner to carry some minimum level of liability insurance.
United States auto insuranceVehicle insuranceAuto insurance in the United StatesInsurance