向被保险人发放驾照:向非法移民发放驾照并未影响加州的汽车保险

IF 0.4 Q3 LAW
Hans Lueders, M. Mumper
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引用次数: 1

摘要

向非法移民发放驾照的一个关键论点是,这样的政策将改善汽车保险。本文使用汽车保险的占有率、理赔和保费数据,在2015年1月实施的加州议会法案(AB) 60的背景下检验了这一论点。利用AB60牌照估计份额的跨县差异,我们发现,尽管迄今为止已经根据该政策发放了100多万张牌照,但它对未投保车辆的比率、未投保驾驶者的索赔或汽车保险费没有可衡量的影响。我们的发现得到了功率分析和多重稳健性检查的支持。我们认为,非法移民可能在AB60之前就已经拥有汽车,甚至汽车保险。在一个高度依赖汽车的社会,即使在2015年之前是违法的,他们也别无选择,只能开车。因此,AB60对保险市场的影响可以忽略不计。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Licensing the Insured: Providing Driver Licenses to Unauthorized Immigrants Has Not Impacted Auto Insurance in California
A key argument for providing unauthorized immigrants with driver licenses is that such policies will improve automobile insurance. The paper uses data on auto insurance take-up, claims, and premiums to test this argument in the context of California's Assembly Bill (AB) 60, which was implemented in January 2015. Exploiting cross-county variation in the estimated share of AB60 licenses, we find that even though more than one million licenses have been issued under the policy to date, it had no measurable effects on the rate of uninsured vehicles, uninsured motorists claims, or automobile insurance premiums. Our findings are supported by a power analysis and multiple robustness checks. We suggest that unauthorized immigrants may have already had access to cars and even auto insurance before AB60. In a highly car-dependent society, they had no choice but to drive even when it was illegal before 2015. As such, the effects of AB60 on the insurance market were negligible.
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