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Near-miss telematics in motor insurance

Recurso electrónico / Electronic resource
MARC record
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001  MAP20210028106
003  MAP
005  20210929170909.0
008  210929e2021 esp|||p |0|||b|spa d
040  ‎$a‎MAP‎$b‎spa‎$d‎MAP
084  ‎$a‎322
1001 ‎$0‎MAPA20080244637‎$a‎Guillén, Montserrat
24510‎$a‎Near-miss telematics in motor insurance‎$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
7001 ‎$0‎MAPA20080251604‎$a‎Perch Nielsen, Jens
7001 ‎$0‎MAPA20080251772‎$a‎Pérez-Marín, Ana María
7730 ‎$w‎MAP20077000727‎$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