Topping the list is the finding that men are cited for reckless driving3.41 times more than women. Reckless driving is considered one of the mostserious traffic offenses by courts since it implies a disregard for therights and safety of persons or property.

Quality Planning analyzed 12 months' of 2007 policyholder information forU.S. drivers, comparing the number of moving and nonmoving violations forboth men and women. Overall, the data shows that men are much more likelyto receive a traffic citation than women, and that this difference indriving behavior is consistent across all age groups.

Violations for which men scored at least 50 percent higher than women:

TYPE OF VIOLATION Ratio Male:Female--------------------------------------------Reckless driving 3.41DUI 3.09Seatbelt violations 3.08Speeding 1.75Failure to yield 1.54Stop sign/signal violation 1.53

"We were not surprised to see that men have slightly more -- about +5percent -- violations that result in accidents than women," said Dr. RajBhat, president of Quality Planning. "And because men are also more likelyto violate laws for speeding, passing, and yielding, the resultingaccidents caused by men lead to more expensive claims than those caused bywomen."

Interestingly, women drivers were also about 27 percent less likely thanmen to be found at fault (1-49 percent negligent) when involved in anaccident. This again underscores the finding that women are on average lessaggressive and more law-abiding drivers -- attributes that also translateto fewer accidents.

Study methodology

Traffic code violations data for a one-year period from 2007 and 2008 wasused for this study. Violations were grouped by type and gender of thedriver, and the percentage of violations for male and female drivers wasestimated. Finally, the ratio of percentage of violations by male andfemale drivers was calculated to identify the difference in gender for eachtype of violation. For example, men were about 3.4 times more likely thanwomen to receive a ticket for reckless driving.

About Quality Planning

An ISO business, Quality Planning focuses exclusively on providing ratingintegrity solutions to auto insurers. Quality Planning works with insurancecompanies to identify areas of significant rating errors usingsophisticated database management, statistical analysis and modeling,customized survey design, and highly targeted customer interaction. QualityPlanning helps clients work within their existing rating plans and chargefair prices to policyholders based on a true representation of risk. Thecompany was founded in 1985 and is headquartered in San Francisco. For moreinformation, visit www.qualityplanning.com.

About ISO

A leading source of information about risk, ISO provides data, analytics,and decision-support services to professionals in many fields, includinginsurance, finance, real estate, health services, government, humanresources, and risk management. Using advanced technologies to collect,analyze, develop, and deliver information, ISO helps customers evaluate andmanage risk. The company draws on vast expertise in actuarial science,insurance coverages, fire protection, fraud prevention, catastrophe andweather risk, predictive modeling, data management, economic forecasting,social and technological trends, and many other fields. To meet the needsof diverse clients, ISO employs an experienced staff of business andtechnical specialists, analysts, and certified professionals. In the UnitedStates and around the world, ISO helps customers protect people, property,and financial assets. For more information, visit www.iso.com.

Contact:Tim CoxZing Public Relations650-369-7784Email Contact