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Public insurance pricing based on demerit points: A short story from Québec

Author

Listed:
  • Georges Dionne

    (HEC Montréal)

Abstract

In this short story, I describe the origin of the Québec public automobile insurance pricing based on demerit points.

Suggested Citation

  • Georges Dionne, 2026. "Public insurance pricing based on demerit points: A short story from Québec," Working Papers 023788, HEC Montreal, Canada Research Chair in Risk Management.
    • Handle: RePEc:ris:crcrmw:023788
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    Keywords

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    JEL classification:

    • B15 - Schools of Economic Thought and Methodology - - History of Economic Thought through 1925 - - - Historical; Institutional; Evolutionary
    • B26 - Schools of Economic Thought and Methodology - - History of Economic Thought since 1925 - - - Financial Economics
    • D81 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Criteria for Decision-Making under Risk and Uncertainty
    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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