Concerning the Relation between the Cost of Traffic Accidents in a Particular Community and the Conditions Therein [Discussion]

Mr. Whitney is to be congratulated on having presented a paper which should stimulate the thinking of those of us who too complacently assume that the existing experience basis is the one and only method of rate making. He has made a very interesting comparison between a "cause" or schedule rate basis of making automobile rates and the existing experience basis. He has been careful to mention not only the advantages, but also the disadvantages of the combination cause and experience rating method that he advocates.