A Comparison of Auto Liability Experience Under a Compulsory Law and Under Financial Responsibility Laws [Discussion]

In his paper "“A Comparison of Auto Liability Experience Under a Compulsory Law and Under Financial Responsibility Laws," Mr. M. G. McDonald, Fire and Casualty Actuary of the Massachusetts Insurance Department, has set forth private passenger and commercial car experience for Massachusetts, a compulsory law state, and for Connecticut and New Jersey, financial responsibility law states. In order to make a direct comparison of the experience of these states, it was first necessary to adjust the Massachusetts compulsory experience inasmuch as compulsory coverage in Massachusetts is limited to coverage on the public ways of the Commonwealth and does not include coverage for guest occupants of the insured’s automobile.