Can Bonus-malus allieviate insurance fraud?

<?xml version="1.0" encoding="UTF-8"?><modsCollection xmlns="http://www.loc.gov/mods/v3" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-8.xsd">
<mods version="3.8">
<titleInfo>
<title>Can Bonus-malus allieviate insurance fraud?</title>
</titleInfo>
<titleInfo type="alternative">
<title>The Journal of risk and insurance</title>
</titleInfo>
<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080141738">
<namePart>Moreno, Ignacio</namePart>
<nameIdentifier>MAPA20080141738</nameIdentifier>
</name>
<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080294571">
<namePart>Vázquez, Francisco J.</namePart>
<nameIdentifier>MAPA20080294571</nameIdentifier>
</name>
<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080087531">
<namePart>Watt, Richard</namePart>
<nameIdentifier>MAPA20080087531</nameIdentifier>
</name>
<typeOfResource>text</typeOfResource>
<originInfo>
<place>
<placeTerm type="code" authority="marccountry">usa</placeTerm>
</place>
<dateIssued encoding="marc">2006</dateIssued>
<issuance>serial</issuance>
</originInfo>
<language>
<languageTerm type="code" authority="iso639-2b">eng</languageTerm>
</language>
<physicalDescription>
<form authority="marcform">print</form>
<form authority="marccategory">microform</form>
</physicalDescription>
<abstract>Traditionally, insurance companies attempt to reduce fraud via audit strategies under which clims may be investigated at some cost to the insurer, with a penalty imposed upon ensureds who are found to report claims fraudulenty. However, it is also clear that, in a multiperiod settings, bonus-malus contracts also provide an incentive against fraud</abstract>
<note type="statement of responsibility">Ignacio Moreno, Francisco J. Vazquez and Richard Watt</note>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080584290">
<topic>Contrato de seguro</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080630027">
<topic>Condiciones generales del contrato</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080602437">
<topic>Matemática del seguro</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080591052">
<topic>Fraude en el seguro</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080557379">
<topic>Bonus-malus</topic>
</subject>
<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080592011">
<topic>Modelos actuariales</topic>
</subject>
<classification authority="">6</classification>
<relatedItem type="host">
<titleInfo>
<title>The Journal of risk and insurance</title>
</titleInfo>
<originInfo>
<publisher>Orlando</publisher>
</originInfo>
<part>
<text>Volume 73, number 1, March 2006 ;  p.123-151</text>
</part>
</relatedItem>
<recordInfo>
<recordContentSource authority="marcorg">MAP</recordContentSource>
<recordCreationDate encoding="marc">060404</recordCreationDate>
<recordChangeDate encoding="iso8601">20080418125704.0</recordChangeDate>
<recordIdentifier source="MAP">MAP20071507871</recordIdentifier>
<languageOfCataloging>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</languageOfCataloging>
</recordInfo>
</mods>
</modsCollection>