The Study About The Correlation Between The Information On Traffic Violations And The Rate Of Compul-sory Insurance In ZheJiang

In 2010, under the guidance of the Zhejiang Provincial Government, Provincial Public Security Bureau, the Provincial Insurance Regulatory Bureau, the provincial insurance industry association set up a joint working group to proceed to develop and exchange information on traffic violations linked to the relevant system of compulsory insurance rates, and decided to Class 7 Traffic Insurance rates float. To use economic leverage to curb the occurrence of the traffic violations.The paper first from the law, economics, statistics principle, information technology point of view, research carried out in the Zhejiang province traffic violations and the rate of Compulsory Insurance hook feasibility. On this basis, using sample data model, the introduction of Pearson cor-relation calibration tool, the model data in 7 kinds of traffic violations and 7 kinds of traffic vio-lations and vehicle claims (accident) correlation analysis, based on the correlation between sig-nificant degree set model for floating for three sets of solutions, through the model get three sets floating rate simulation results, and the three set of floating rate operation result of economy and feasibility analysis, to find the most suitable for a floating solution.Obtained through the analysis program to predict the three floating rate, we found that when set on a policy year if it occurs once every red light running behavior, rates go up 5%; if the previous policy year occurs once every driving without a license, speeding, overcrowding behavior, the rate of 10% of the float; if the previous policy year occurs once every hit and run, drunken driving, the rate of 15% of the float; if a policy year on drunken driving behavior occurs once every, the rate is 30% higher; when consecutive year, no offense to fall 10%, no offense to fall for two consecutive years of 20% for three consecutive years and no offense to fall 30% more than the high insurance rates and cross-linked floating programs, both effective and easily cause the vehicle contain claims (accident) on the traffic offense occurred, and to ensure that no illegal vehicle owners a reasonable reduction of the Traffic Insurance premiums and guarantee the insurance company to pay compulsory insurance premiums generally no larger rate changes.