Selection bias and auditing policies for insurance claims

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<title>Selection bias and auditing policies for insurance claims</title>
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<title>The Journal of risk and insurance</title>
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<namePart>Pinquet, Jean</namePart>
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<namePart>Ayuso Gutiérrez, Mercedes</namePart>
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<namePart>Guillén Estany, Montserrat</namePart>
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<abstract>This article presents a statistical approach that counteracts selection bias without using a random auditing strategy. A two-equation model for audit and fraud (a bivariate probit model with censoring) was estimated on a sample of suspicious claims for the experts was left free to take the audit decision. The expected overestimation of fraud risk derived from a single-equation model was corrected. Results were rather close to those obtained with a random auditing strategy, at the expense of some instability with respect to the regression components set. </abstract>
<note type="statement of responsibility">Jean Pinquet, Mercedes Ayuso, Montserrat Guillén</note>
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<topic>Reclamaciones</topic>
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<topic>Fraude en el seguro</topic>
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<topic>Seguro de automóviles</topic>
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<topic>Modelos matemáticos</topic>
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<topic>Matemática del seguro</topic>
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<title>The Journal of risk and insurance</title>
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<text>Vol. 74, nº 2, 2007 ;  p. 425-440</text>
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