How severe weather affects the auto insurance industry

In Canada, motorists are faced with a wide range of environmental conditions. Weather, in the form of rain, snow, other frozen precipitation, fog or strong winds, occurs 10 to 20 percent of the time, depending on the location and year. This project, which involves a three-way partnership between State Farm Insurance, the Institute for Catastrophic Loss Reduction and the University of Waterloo, explores weather-related driving risks in the Province of Ontario, Canada, in order to better understand how risk is increased during inclement conditions. The analysis is unique from previous studies in its focus on major storms, on urban versus rural experiences of weather hazards, and in its exploration of accident characteristics and how they may differ during inclement conditions versus clear, dry conditions.


Faculty Supervisor:

Dr. Jean Andrey


Sadia Afrin


Institute for Catastrophic Loss Reduction


Resources and environmental management


Finance, insurance and business


University of Waterloo



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