The Dumping Ground: Insuring America’s Most Dangerous Truckers. No Questions Asked.

When I ranked carriers by the riskiness of their insurer’s portfolio and computed cumulative crash shares, the concentration curve was almost vertical. The top 5% of carriers account for 31.9% of all crashes and 31.8% of all fatal crashes. At 25%, the curve captures 70.1% of both.Insurer portfolios in the highest-risk tier, with average risk scores between 21 and 50 on a 100-point scale, cover just 1.8% of all carriers. But those carriers account for 16.9% of all crashes and 16.6% of all fatal crashes in th ...