Centro de Documentación de Fundación MAPFRE - Near-miss telematics in motor insurance

Notas: 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 insuranceRegistros relacionados: 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. 569-589Materia / lugar / evento: Seguro de automóviles Reclamaciones Accidentes Precios Telemática Análisis predictivos Otros autores: Perch Nielsen, Jens
Pérez-Marín, Ana María
Otras clasificaciones: 322

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