Bivariate Poisson Credibility Model and Bonus–Malus Scale for Claim and Near-Claim Events
Pierre-Alexandre Simon,
Julien Trufin,
Michel Denuit
Abstract:With the emergence of telematics, huge amounts of data have become available to insurers, raising the question of their integration into motor insurance pricing. Near-claim events are dangerous events which could have triggered a claim. Typically, they correspond to harsh deceleration, acceleration or cornering. Based on the motor third-party liability insurance portfolio of an insurance company operating in Belgium, we highlight that deceleration events are the best candidates for characterizing near-claim ev… Show more
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