Functions of the bonus-malus system in the motor third party liability insurance of motor vehicle owners [PDF]
, 2018 The bonus-malus system is one of the stages of the ratemaking process in motor liability insurance. The purpose of the work is to discuss the role of the bonus-malus systems in the ratemaking and to present their functions.
SZYMAŃSKA, Anna
core +1 more source
On the Evaluation of the Asymptotic Fairness of Bonus-Malus Systems [PDF]
In this paper we try to evaluate the asymptotic fairness of bonus-malus systems, assuming the simplest case when there is no hunger for bonus.The asymptotic fairness has to be understood as the bonus-malus systemability in assessing the individual risks ...
A. Heras, J.A. Gil, J.L. Vilar
core
Better Safe than Sorry? Ex Ante and Ex Post Moral Hazard in Dynamic Insurance Data [PDF]
This paper empirically analyzes moral hazard in car insurance using a dynamic theory of an insuree's dynamic risk (ex ante moral hazard) and claim (ex post moral hazard) choices and Dutch longitudinal micro data.
Abbring, J.H. +2 more
core +1 more source
The unification bonus (malus) in postwall Eastern Germany [PDF]
, 2001 This paper presents estimates of the unification bonus for East Germans over the period 1991 to 1998. The unification bonus is defined as the discounted value of the difference between a person's actual income and his or her counterfactual real income ...
Beblo, Miriam +2 more
core
Acceptance of criteria for health and driver scoring in the general public in Germany. [PDF]
PLoS One, 2021 Rebitschek FG +5 more
europepmc +1 more source
The unification bonus (malus) in postwall Eastern Germany [PDF]
This paper presents estimates of the unification bonus for East Germans over the period 1991 to 1998. The unification bonus is defined as the discounted value of the difference between a person?s actual income and his or her counterfactual real income ...
Beblo, Miriam +2 more
core
Pollen samples from a bumble bee (Hymenoptera: Apidae) collection show historic foraging on introduced and native plants in the South Island of New Zealand. [PDF]
PLoS One, 2022 Knowles M +4 more
europepmc +1 more source
Optimal claim behaviour for third-party liability insurances with perfect information [PDF]
In this paper we analyse the optimal claim behaviour of a policy holder having a third-party liability insurance in which one is allowed to decide at the end of an insurance year which damages occurred during that year should be claimed.
Dellaert, N.P. +2 more
core +1 more source
Modeling issues in longevity and bonus-malus system [PDF]
, 2019 This thesis explores several modeling issues in longevity and bonus-malus system. On one hand, research in the areas of longevity and mortality are closely related. Mortality is one of the oldest research topics in actuarial science, dates back to year 1825 when Benjamin Gompertz published the law of human mortality.
openaire +3 more sources
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
Lammers, Frauke, Schiller, Jörg
core