Colliding Interests – Age as an Automobile Insurance Rating Variable: Equitable Rate-Making or Unfair Discrimination?

Journal of Business Ethics 72 (2):103-114 (2007)
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Many private business relationships are increasingly characterized by claims that certain actions should not be permitted since particular right claims are involved. Such claims should be taken seriously, but are they always ethically legitimate? This paper analyzes one context, the use of age as a rating variable in the pricing of automobile insurance, where such claims are made. By identifying, evaluating and assessing the relevant basis for the differentiation, actuarial equity, it is concluded that there is an ethical basis for such a practice. The analysis also provides an equivalent means for considering other such analogous claims where actuarial equity is involved.



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Anarchy, State, and Utopia.Robert Nozick - 1974 - New York: Basic Books.
Human Morality.Samuel Scheffler - 1992 - Oxford University Press.
In defense of the jurisdiction theory of rights.Eric Mack - 2000 - The Journal of Ethics 4 (1-2):71-98.

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