ROMANIAN COMPULSORY MOTOR THIRD PARTY LIABILITY INSURANCE IN 2010 AND THE PREDICTABLE FUTURE [PDF]
Insurance coverage is mandatory for the motor’s owners. Analyzing the condition of theinsurance market trough 2010, by the gross written insurance premiums and the losses compensationsin the same period, the study analyzes the Romanian bonus-malus system,
Aura Carmen Moga, Marius Dan Gavriletea
core
Bonus - Malus System with Deductibles [PDF]
, 2017 This thesis deals with the option of substitution of malus surcharge on pre- mium in a classical bonus - malus system with deductible. Firstly, we clarify the basic principles of bonus - malus systems, then we show how to model the expec- ted claim ...
Kubát, Petr
core
Collusion Between Retailers and Customers: The Case of Insurance Fraud in Taiwan
RisksThis study analyzes how the insurance distribution channel can affect insurance fraud. It uses econometric models that confirm the existence of claim manipulation as a form of insurance fraud, whereby policyholders circumvent the bonus–malus system and ...
Pierre Picard +2 more
doaj +1 more source
BONUS-MALUS SYSTEMS IN AUTOMOBILE INSURANCE [PDF]
, 2011 Diplomsko delo seznani bralca z bonus-malus sistemom in uporabo v avtomobilskih zavarovanjih. V prvem delu bonus-malus sistem identificiramo z markovsko verigo.
Skernišak, Matej
core
Contract design and insurance fraud: An experimental investigation [PDF]
This paper investigates the impact of insurance contract design on the behavior of filing fraudulent claims in an experimental setup. We test how fraud behavior varies for insurance contracts with full coverage, a straight deductible or variable premiums
Schiller, Jörg, Lammers, Frauke
core
Optimal Reinsurance for the Solvency of Automobile Portfolio: Application to Sub-Saharan Africa
InPrimeThis paper examines actuarial strategies to maintain the solvency of automobile insurance portfolios in sub-Saharan Africa, where motor insurance is mandatory and a significant revenue source, representing approximately 60% of total premiums in the CIMA
Crispin Bukanga Maheshe +1 more
doaj +1 more source
Criterio no asintótico para el diseño de sistemas Bonus-Malus mediante GPBM
Rect@, 2002 El diseño de sistemas Bonus-Malus habitualmente está basado en la distribución estacionaria de la probabilidad. Se supone que una póliza ha alcanzado el estado estacionario (n0 ) cuando la probabilidad de que dicha póliza pertenezca a la clase Ci es ...
Antonio Heras Martínez +1 more
doaj
ASSESSMENT OF UNPROFITABILITY OF COMPULSORY EMPLOYEE ACCIDENT INSURANCE TARIFFS IN KAZAKHSTAN
Scientific Journal of Astana IT UniversityCompulsory insurance of employees against industrial accidents is an important social protection tool in Kazakhstan, but the current rates are insufficiently stable and do not cover the actual risks, which leads to financial imbalances among insurers and
Meiir Raikhan +5 more
doaj +1 more source
Separating Moral Hazard from Adverse Selection in Automobile Insurance: Longitudinal Evidence from France [PDF]
This paper uses longitudinal data to perform tests of asymmetric information in the French automobile insurance market for the 1995-1997 period. This market is characterized by the presence of a regulated experience-rating scheme (bonus-malus).
Pierre-Carl Michaud +2 more
core
Choking under time pressure: The influence of deadline-dependent bonus and malus incentive schemes on performance [PDF]
, 2017 Many economically relevant activities are executed under notable time pressures. Incentivized deadlines are often the reason people feel pressured. In such an environment, individual preferences can predict performance.
Jaussi, Stefanie, Essl, Andrea
core +1 more source