Please use this identifier to cite or link to this item: https://www.um.edu.mt/library/oar/handle/123456789/7228
Title: The effects of uninsured driving on motor insurance business
Authors: Farrugia, Ryan
Keywords: Automobile insurance -- Malta
Insurance law -- Malta
Uninsured motorist insurance -- Law and legislation -- Malta
Issue Date: 2012
Abstract: Driving a motor vehicle without insurance cover is an offence that has an effect on motor insurance business. Despite the fact that Malta is, like other countries, affected by the issue of uninsured driving accidents, data on the subject is very limited. As a result, the effects of uninsured driving on insurance business and society are not fully known or understood. Likewise, the views of those concerned with the problem are not totally clear. This research study goes a long way to identify the effects of uninsured driving on the motor insurance industry. Local and European legislation concerning uninsured driving, together with primary data collection, provide an enhanced understanding of uninsured driving from a local viewpoint. The incidence of uninsured driving in Malta appears to be increasing; the burden of the costs is being incurred by honest policyholders and insurance companies. The findings suggest that the public is not sufficiently aware of the consequences of driving without insurance and the local insurance industry does not have adequate measures to calculate the incidence rate of uninsured driving. In spite of the fact that it appears that the victims of uninsured driving are being well-served by the current compensation system, improvements can be implemented, especially with regards to how the system is funded.
Description: B.COM.(HONS)INSURANCE&FIN.
URI: https://www.um.edu.mt/library/oar//handle/123456789/7228
Appears in Collections:Dissertations - FacEma - 2012
Dissertations - FacEMAIns - 2012

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