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Selection bias and auditing policies for insurance claims

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008  071213s2007 usa|||| | |000|0|eng d
040  ‎$a‎MAP‎$b‎spa
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1001 ‎$0‎MAPA20080081256‎$a‎Pinquet, Jean
24510‎$a‎Selection bias and auditing policies for insurance claims‎$c‎Jean Pinquet, Mercedes Ayuso, Montserrat Guillén
5208 ‎$a‎This article presents a statistical approach that counteracts selection bias without using a random auditing strategy. A two-equation model for audit and fraud (a bivariate probit model with censoring) was estimated on a sample of suspicious claims for the experts was left free to take the audit decision. The expected overestimation of fraud risk derived from a single-equation model was corrected. Results were rather close to those obtained with a random auditing strategy, at the expense of some instability with respect to the regression components set.
650 1‎$0‎MAPA20080567118‎$a‎Reclamaciones
650 1‎$0‎MAPA20080591052‎$a‎Fraude en el seguro
650 1‎$0‎MAPA20080603779‎$a‎Seguro de automóviles
65011‎$0‎MAPA20080592042‎$a‎Modelos matemáticos
650 1‎$0‎MAPA20080602437‎$a‎Matemática del seguro
7001 ‎$0‎MAPA20080344511‎$a‎Ayuso Gutiérrez, Mercedes
7001 ‎$0‎MAPA20080360160‎$a‎Guillén Estany, Montserrat
7404 ‎$a‎The Journal of risk and insurance
7730 ‎$w‎MAP20077000727‎$t‎The Journal of risk and insurance‎$d‎Orlando‎$g‎Vol. 74, nº 2, 2007 ; p. 425-440