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IR09-002_Santolino.pdf (179.65 KB)

Tipus de document

Document de treball

Data de publicació

2009

Llicència de publicació

cc-by-nc-nd, (c) Santolino et al., 2009
Si us plau utilitzeu sempre aquest identificador per citar o enllaçar aquest document: https://hdl.handle.net/2445/61385

Modelling the disability severity score in motor insurance claims: an application to the Spanish case

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Resum

Bodily injury claims have the greatest impact on the claim costs of motor insurance companies. The disability severity of motor claims is assessed in numerous European countries by means of score systems. In this paper a zero inflated generalized Poisson regression model is implemented to estimate the disability severity score of victims in-volved in motor accidents on Spanish roads. We show that the injury severity estimates may be automatically converted into financial terms by insurers at any point of the claim handling process. As such, the methodology described may be used by motor insurers operating in the Spanish market to monitor the size of bodily injury claims. By using insurance data, various applications are presented in which the score estimate of disability severity is of value to insurers, either for computing the claim compensation or for claim reserve purposes.

Matèries

Accidents de circulació, Assegurances d'automòbils, Discapacitats, Assegurances d'accidents

Matèries (anglès)

Traffic accidents, Automobile insurance, People with disabilities, Accident insurance

Citació

Col·leccions

Documents de treball (Institut de Recerca en Economia Aplicada Regional i Pública (IREA))

Citació

SANTOLINO, Miguel and BOUCHER, Jean-Philippe. Modelling the disability severity score in motor insurance claims: an application to the Spanish case. IREA – Working Papers. 2009. Vol.  IR09/02. ISSN 2014-1254. [consulted: 17 of August of 2026]. Available at: https://hdl.handle.net/2445/61385

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