| 期刊全称 | Bonus-Malus Systems in Automobile Insurance | | 影响因子2023 | Jean Lemaire | | 视频video | | | 学科分类 | Huebner International Series on Risk, Insurance and Economic Security | | 图书封面 |  | | 影响因子 | Most insurers around the world have introduced some form ofmerit-rating in automobile third party liability insurance. Suchsystems, penalizing at-fault accidents by premium surcharges andrewarding claim-free years by discounts, are called bonus-malussystems (BMS) in Europe and Asia. With the current deregulation trendsthat concern most insurance markets around the world, many companieswill need to develop their own BMS. The main objective of the book isto provide them models to design BMS that meet their objectives. .Part I of the book contains an overall presentation of the pros andcons of merit-rating, a case study and a review of the differentprobability distributions that can be used to model the number ofclaims in an automobile portfolio. In Part II, 30 systems from 22different countries, are evaluated and ranked according to their`toughness‘ towards policyholders. Four tools are created to evaluatethat toughness and provide a tentative classification of all systems.Then, factor analysis is used to aggregate and summarize the data, andprovide a final ranking of all systems. Part III is an up-to-datereview of all the probability models that have been proposed for thedesign of a | | Pindex | Book 1995 |
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发表于 2025-3-21 17:47:21
