Cost-sensitive multi-class adaboost for understanding driving behavior based on telematics
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| Tag | 1 | 2 | Valor |
|---|---|---|---|
| LDR | 00000cab a2200000 4500 | ||
| 001 | MAP20210029998 | ||
| 003 | MAP | ||
| 005 | 20211019090733.0 | ||
| 008 | 211019e20210913esp|||p |0|||b|spa d | ||
| 040 | $aMAP$bspa$dMAP | ||
| 084 | $a322 | ||
| 100 | 1 | $0MAPA20210033834$aSo, Banghee | |
| 245 | 1 | 0 | $aCost-sensitive multi-class adaboost for understanding driving behavior based on telematics$cBanghee So, Jean-Philippe Boucher, Emiliano A. Valdez |
| 520 | $aUsing telematics technology, insurers are able to capture a wide range of data to better decode driver behavior, such as distance traveled and how drivers brake, accelerate, or make turns. Such additional information also helps insurers improve risk assessments for usage-based insurance, a recent industry innovation. In this article, we explore the integration of telematics information into a classification model to determine driver heterogeneity. For motor insurance during a policy year, we typically observe a large proportion of drivers with zero accidents, a lower proportion with exactly one accident, and a far lower proportion with two or more accidents. We here introduce a cost-sensitive multi-class adaptive boosting (AdaBoost) algorithm we call SAMME.C2 to handle such class imbalances. We calibrate the algorithm using empirical data collected from a telematics program in Canada and demonstrate an improved assessment of driving behavior using telematics compared with traditional risk variables. Using suitable performance metrics, we show that our algorithm outperforms other learning models designed to handle class imbalances. | ||
| 650 | 4 | $0MAPA20080616106$aCálculo de probabilidades | |
| 650 | 4 | $0MAPA20080553715$aConducción | |
| 650 | 4 | $0MAPA20080563639$aPago por uso | |
| 650 | 4 | $0MAPA20080556730$aTelemática | |
| 700 | 1 | $0MAPA20080297572$aBoucher, Jean-Philippe | |
| 700 | 1 | $0MAPA20080648428$aValdez, Emiliano A. | |
| 773 | 0 | $wMAP20077000420$g13/09/2021 Volumen 51 Número 3 - septiembre 2021 , P. 719-751$x0515-0361$tAstin bulletin$dBelgium : ASTIN and AFIR Sections of the International Actuarial Association |