Carregant...
Fitxers
Tipus de document
ArticleVersió
Versió acceptadaData de publicació
Tots els drets reservats
Si us plau utilitzeu sempre aquest identificador per citar o enllaçar aquest document: https://hdl.handle.net/2445/154515
Can automobile insurance telematics predict the risk of near-miss events?
Títol de la revista
Director/Tutor
ISSN de la revista
Títol del volum
Recurs relacionat
Resum
Telematics data from usage-based motor insurance provide valuable information - including vehicle usage, attitude towards speeding, time and proportion of urban/non-urban driving - that can be used for ratemaking. Additional information on acceleration, braking and cornering can likewise be usefully employed to identify near-miss events, a concept taken from aviation that denotes a situation that may have resulted in an accident. We analyze near-miss events from a sample of drivers in order to identify the risk factors associated with a higher risk of near-miss occurrence. Our empirical application with a pilot sample of real usage-based insurance data reveals that certain factors are associated with a higher expected number of near-miss events, but that the association differs depending on the type of near-miss. We conclude that nighttime driving is associated with a lower risk of cornering events, urban driving increases the risk of braking events and speeding is associated with acceleration events. These results are relevant for the insurance industry in order to implement dynamic risk monitoring through telematics, as well as preventive actions.
Matèries (anglès)
Citació
Citació
GUILLÉN, Montserrat, NIELSEN, Jens perch, PÉREZ MARÍN, Ana maría, ELPIDOROU, Valandis. Can automobile insurance telematics predict the risk of near-miss events?. _North American Actuarial Journal_. 2020. Vol. 24, núm. 1, pàgs. 141-152. [consulta: 23 de gener de 2026]. ISSN: 1092-0277. [Disponible a: https://hdl.handle.net/2445/154515]