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Please use this identifier to cite or link to this item: https://hdl.handle.net/2445/106566
Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
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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.
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AYUSO, Mercedes, GUILLÉN, Montserrat and PÉREZ MARÍN, Ana María. Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance. Transportation Research Part C: Emerging Technologies. 2016. Vol. 68, num. July, pags. 160-167. ISSN 0968-090X. [consulted: 12 of October of 2026]. Available at: https://hdl.handle.net/2445/106566