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Incentive Mechanisms for Safe Driving: A Comparative Analysis with Dynamic Data

  • Jean Pinquet

    ()

    (Department of Economics, Ecole Polytechnique - CNRS : UMR7176 - Polytechnique - X)

  • Georges Dionne

    (HEC Montréal - HEC MONTRÉAL)

  • Charles Vanasse

    (TD Asset Management)

  • Mathieu Maurice

    (HEC Montréal - HEC MONTRÉAL)

Les politiques de sécurité routière utilisent souvent des mécanismes incitatifs basés sur les infractions pour améliorer le comportement des conducteurs. Ces mécanismes sont par exemple des amendes, des primes d'assurance ou des permis à points. Nous analysons l'efficacité incitative de ces mécanismes. Nous obtenons leurs propriétés théoriques par rapport au nombre de points associés aux infractions et par rapport au temps contrat. Ces propriétés sont ensuite testées empiriquement avec des données issues du système public d'assurance au Québec. Nous concluons à la présence d'aléa moral dans les données, qui traduit le fait que les conducteurs qui accumulent les points deviennent plus prudents car ils sont plus sous risque de perdre leur permis. Par ailleurs, la prime indicée sur les points introduite en 1992 a réduit de 15% la fréquence d'infractions. Nous utilisons ce résultat pour calculer des équivalents monétaires pour les infractions et les retraits de permis.

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Paper provided by HAL in its series Working Papers with number hal-00414479.

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Date of creation: 09 Sep 2009
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Handle: RePEc:hal:wpaper:hal-00414479
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