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(71) AIPSO, http://www.aipso.com/which_mech.asp (last visited Jan.
Bodily injury and property damage claims payment data are from the Automobile Insurance Plan Services Office (AIPSO).
AIPSO was unable to provide any data for several states and for some states was not able to provide data for all seven years.
AIPSO Facts, various years, AIPSO - Johnston, Rhode Island.
Estimates of incurred losses for the involuntary market were obtained or developed from information in AIPSO Facts.
Until the early 1980s, AIPSO Facts reported voluntary market premiums and losses for liability coverage, but only for states with assigned risk plans.
AIPSO Facts publishes deficit estimates of this type (also see Lee, 1977).
(20) The latter ratio was calculated using the average of liability written car-years for years t and t - 1 reported in AIPSO Facts to approximate earned exposures for year t.
Most states operate their assigned risk plans through the Automobile Insurance Plans Service Office (AIPSO).
(21)The liability only (LIABONLY) variable was constructed with information in Automobile Insurance Plan Service Office, AIPSO Insurance Facts (various years).
The Automobile Insurance Plans Service Office (AIPSO) has estimated an expected loss ratio for each state and each line of insurance, basing their calculations on the variable costs associated with servicing each policy.(25) With an estimate of the ELR, operating expenses are estimated by AIPSO according to the equation(26)
(25)The variables EP, IL and ELR are all found in Automobile Insurance Plans Service Office, AIPSO Insurance Facts (various years).
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