Motor TPL Insurance: The Case of Italy
Prof. Ing. Luca Rossi.

Abstract
This study analyzes the social impact of motor TPL insurance, focusing on direct costs. It presents the variables in motor TPL insurance and through a multiple regression model shows how they contribute to the average premium insurance. The analyses aim to: i) confirm the increase of the average premium insurance when moving from Northern to Southern Italy; ii) identify the main variables related to motor TPL insurance; iii) highlight a positive relationship between motor TPL insurance average premium and car thefts. These findings confirm that lower cost of motor TPL insurance is necessary to define, in Italy, a policy that combats the phenomenon of car thefts and insurance fraud, to issue suitable guidelines for insurance companies and introduce mandatory regulations forcing companies to effectuate product reformulation.

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