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Title: Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
Author: Ayuso, Mercedes
Guillén, Montserrat
Pérez Marín, Ana María
Keywords: Assegurances d'automòbils
Accidents de circulació
Anàlisi de supervivència (Biometria)
Estudis de gènere
Automobile insurance
Traffic accidents
Survival analysis (Biometry)
Gender studies
Issue Date: Jul-2016
Publisher: Elsevier Ltd
Abstract: In this paper we employ survival analysis methods to analyse the impact of driving patterns on distance travelled before a first claim is made by young drivers underwriting a pay-as-you-drive insurance scheme. An empirical application is presented in which we analyse real data collected by a GPS system from a leading Spanish insurer. We show that men have riskier driving patterns than women and, moreover, that there are gender differences in the impact driving patterns have on the risk of being involved in an accident. The implications of these results are discussed in terms of the 'no-gender' discrimination regulation.
Note: Versió postprint del document publicat a:
It is part of: Transportation Research Part C: Emerging Technologies, 2016, vol. 68, num. July, p. 160-167
Related resource:
ISSN: 0968-090X
Appears in Collections:Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)

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