Near-miss telematics in motor insurance

<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<rdf:RDF xmlns:rdf="http://www.w3.org/1999/02/22-rdf-syntax-ns#" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<rdf:Description>
<dc:creator>Guillén, Montserrat</dc:creator>
<dc:creator>Perch Nielsen, Jens</dc:creator>
<dc:creator>Pérez-Marín, Ana María</dc:creator>
<dc:date>2021</dc:date>
<dc:description xml:lang="es">Sumario: We 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</dc:description>
<dc:identifier>https://documentacion.fundacionmapfre.org/documentacion/publico/es/bib/177233.do</dc:identifier>
<dc:language>spa</dc:language>
<dc:rights xml:lang="es">InC - http://rightsstatements.org/vocab/InC/1.0/</dc:rights>
<dc:subject xml:lang="es">Seguro de automóviles</dc:subject>
<dc:subject xml:lang="es">Reclamaciones</dc:subject>
<dc:subject xml:lang="es">Accidentes</dc:subject>
<dc:subject xml:lang="es">Precios</dc:subject>
<dc:subject xml:lang="es">Telemática</dc:subject>
<dc:subject xml:lang="es">Análisis predictivos</dc:subject>
<dc:type xml:lang="es">Artículos y capítulos</dc:type>
<dc:title xml:lang="es">Near-miss telematics in motor insurance</dc:title>
<dc:relation xml:lang="es">En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/09/2021 Volumen 88 Número 3 - septiembre 2021 , p. 569-589</dc:relation>
</rdf:Description>
</rdf:RDF>