IJSSER

Title: Manipulating Auto-Insurance Systems to Minimize Car Accident Rates Among U.S. Teens
Authors: Neha S. Kukatla and Ms. Leila Chawkat
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Neha S. Kukatla1 and Ms. Leila Chawkat2 1. Glenelg High School, USA 2. Intern/Mentor Program Period 5, Mac Kantruss, Personal Injury Attorney Law Office of MacKenzie A. Kantruss 22 March 2024
MLA 8 Kukatla, Neha S., and Ms. Leila Chawkat. "Manipulating Auto-Insurance Systems to Minimize Car Accident Rates Among U.S. Teens." Int. j. of Social Science and Economic Research, vol. 9, no. 8, Aug. 2024, pp. 2757-2766, doi.org/10.46609/IJSSER.2024.v09i08.013. Accessed Aug. 2024. APA 6 Kukatla, N., & Chawkat, M. (2024, August). Manipulating Auto-Insurance Systems to Minimize Car Accident Rates Among U.S. Teens. Int. j. of Social Science and Economic Research, 9(8), 2757-2766. Retrieved from https://doi.org/10.46609/IJSSER.2024.v09i08.013 Chicago Kukatla, Neha S., and Ms. Leila Chawkat. "Manipulating Auto-Insurance Systems to Minimize Car Accident Rates Among U.S. Teens." Int. j. of Social Science and Economic Research 9, no. 8 (August 2024), 2757-2766. Accessed August, 2024. https://doi.org/10.46609/IJSSER.2024.v09i08.013.
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ABSTRACT: This paper explores various auto insurance systems and their impact on teenage driving behaviors and crash rates. The manipulation of auto insurance systems can be effective in minimizing car accident rates among teenage drivers in the United States. Auto insurance systems encompass the regulations governing insurance coverage for motor vehicles, influencing driving behaviors through incentives, penalties, and risk perceptions. The primary auto insurance systems in the U.S. are fault-based, no-fault, add-on, and choice-based systems, each with distinct implications for driving behaviors and road safety. The leading cause of death for teenagers in the U.S. is car accidents, underscoring the urgency of implementing effective strategies to mitigate crash risk among this demographic. The literature review details the factors influencing crash risk among teenagers by highlighting behavioral science theories, and the factors contributing to elevated crash risk among teenage drivers. A meta-analysis was conducted, revealing correlations between insurance system types, driving behaviors, and crash rates among teenagers. Findings suggest that fault-based auto insurance systems, due to their tort liability principles, are the most effective auto insurance systems in promoting safe driving habits among teenage drivers. The fault-based system increases accountability, mitigates moral hazard, and incentivizes cautious driving practices, thereby reducing crash rates. This research provides compelling evidence supporting the adoption of fault-based insurance systems as a critical measure to minimize car accidents among teenage drivers in the United States.

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