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Wyszukujesz frazę "motor insurance claims" wg kryterium: Temat


Wyświetlanie 1-3 z 3
Tytuł:
The Distribution of the Number of Claims in the Third Party’s Motor Liability Insurance
Autorzy:
Szymańska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/465971.pdf
Data publikacji:
2014
Wydawca:
Główny Urząd Statystyczny
Tematy:
distribution of the number of claims
civil liability motor insurance of vehicle owners
Opis:
In the automobile insurance tarification consists of two stages. The first step is to determine the net premiums on the basis of known risk factors, called a priori ratemaking. The second stage, called a posteriori ratemaking is to take into account the driver's claims history in the premium. Each step usually requires the actuary's selection of the theoretical distribution of the number of claims in the portfolio. The paper presents methods of consistency evaluation of the empirical and theoretical distributions used in motor insurance, illustrated with an example of data from different European markets.
Źródło:
Statistics in Transition new series; 2014, 15, 3; 507-516
1234-7655
Pojawia się w:
Statistics in Transition new series
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
DISTRIBUTIONS OF THE NUMBER OF CLAIMS BY AGE GROUPS OF INSURED IN CIVIL LIABILITY MOTOR INSURANCE PORTFOLIO
Autorzy:
Szymańska, Anna
Powiązania:
https://bibliotekanauki.pl/articles/453315.pdf
Data publikacji:
2014
Wydawca:
Szkoła Główna Gospodarstwa Wiejskiego w Warszawie. Katedra Ekonometrii i Statystyki
Tematy:
distribution of the number of claims
civil liability motor insurance of vehicle owners
driver’s age
Opis:
In the process of calculation of the insurance premium in civil liability motor insurance the knowledge of distribution of the number and value of paid claims is required. The paper presents the methods of assessing the degree of the fit of theoretical distributions of the number of claims to empirical distributions in civil liability motor insurance in the example of data from one of the insurance companies in Poland. The distributions of the number of claims in separate age groups of drivers were also analyzed and their compatibility to the theoretical distribution of the number of claims in the portfolio was assessed.
Źródło:
Metody Ilościowe w Badaniach Ekonomicznych; 2014, 15, 2; 242-251
2082-792X
Pojawia się w:
Metody Ilościowe w Badaniach Ekonomicznych
Dostawca treści:
Biblioteka Nauki
Artykuł
Tytuł:
Claim modeling and insurance premium pricing under a bonus-malus system in motor insurance
Autorzy:
Ieosanurak, Weenakorn
Khomkham, Banphatree
Moumeesri, Adisak
Powiązania:
https://bibliotekanauki.pl/articles/24987758.pdf
Data publikacji:
2023
Wydawca:
Uniwersytet Zielonogórski. Oficyna Wydawnicza
Tematy:
bonus malus system
claim severity
exponential-GaL distribution
motor insurance
number of claims
Poisson-GaL distribution
system bonus malus
rozkład wykładniczy
ubezpieczenie komunikacyne
Opis:
Accurately modeling claims data and determining appropriate insurance premiums are vital responsibilities for non-life insurance firms. This article presents novel models for claims that offer improved precision in fitting claim data, both in terms of claim frequency and severity. Specifically, we suggest the Poisson-GaL distribution for claim frequency and the exponential-GaL distribution for claim severity. The traditional method of assigning automobile premiums based on a bonus-malus system relies solely on the number of claims made. However, this may lead to unfair outcomes when an insured individual with a minor severity claim is charged the same premium as someone with a severe claim. The second aim of this article is to propose a new model for calculating bonus-malus premiums. Our proposed model takes into account both the number and size of claims, which follow the Poisson-GaL distribution and the exponential-GaL distribution, respectively. To calculate the premiums, we employ the Bayesian approach. Real-world data are used in practical examples to illustrate how the proposed model can be implemented. The results of our analysis indicate that the proposed premium model effectively resolves the issue of overcharging. Moreover, the proposed model produces premiums that are more tailored to policyholders’ claim histories, benefiting both the policyholders and the insurance companies. This advantage can contribute to the growth of the insurance industry and provide a competitive edge in the insurance market.
Źródło:
International Journal of Applied Mathematics and Computer Science; 2023, 33, 4; 637--650
1641-876X
2083-8492
Pojawia się w:
International Journal of Applied Mathematics and Computer Science
Dostawca treści:
Biblioteka Nauki
Artykuł
    Wyświetlanie 1-3 z 3

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