Near-miss telematics in motor insurance
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| Tag | 1 | 2 | Valor |
|---|---|---|---|
| LDR | 00000cab a2200000 4500 | ||
| 001 | MAP20210028106 | ||
| 003 | MAP | ||
| 005 | 20210929170909.0 | ||
| 008 | 210929e2021 esp|||p |0|||b|spa d | ||
| 040 | $aMAP$bspa$dMAP | ||
| 084 | $a322 | ||
| 100 | 1 | $0MAPA20080244637$aGuillén, Montserrat | |
| 245 | 1 | 0 | $aNear-miss telematics in motor insurance$cMontserrat Guillen, Jens Perch Nielsen, Ana M. Pérez-Marín |
| 520 | $aWe present a method to integrate telematics data in a pay-how-you-drive insurance pricing scheme that penalizes some near-miss events. We illustrate our method with a sample of drivers for whom information on near-miss events and claims frequency records are available. We discuss the implications for motor insurance ratemaking. Our pricing principle is to combine a baseline insurance premium with added extra charges for near-miss events indicating risky driving (or discounts) that can be updated on a weekly basis. This procedure provides an incentive for safe driving. In our real-case study illustration, hard-braking and acceleration events as well as smartphone use while driving increase the cost of insurance | ||
| 650 | 4 | $0MAPA20080603779$aSeguro de automóviles | |
| 650 | 4 | $0MAPA20080567118$aReclamaciones | |
| 650 | 4 | $0MAPA20080553043$aAccidentes | |
| 650 | 4 | $0MAPA20080545062$aPrecios | |
| 650 | 4 | $0MAPA20080556730$aTelemática | |
| 650 | 4 | $0MAPA20130017037$aAnálisis predictivos | |
| 700 | 1 | $0MAPA20080251604$aPerch Nielsen, Jens | |
| 700 | 1 | $0MAPA20080251772$aPérez-Marín, Ana María | |
| 773 | 0 | $wMAP20077000727$tThe Journal of risk and insurance$dNueva York : The American Risk and Insurance Association, 1964-$x0022-4367$g01/09/2021 Volumen 88 Número 3 - septiembre 2021 , p. 569-589 | |
| 856 | $yMÁS INFORMACIÓN$umailto:centrodocumentacion@fundacionmapfre.org?subject=Consulta%20de%20una%20publicaci%C3%B3n%20&body=Necesito%20m%C3%A1s%20informaci%C3%B3n%20sobre%20este%20documento%3A%0A%0A%5Banote%20el%20titulo%20completo%20del%20documento%20del%20que%20desea%20informaci%C3%B3n%5D%0A%0AGracias |