Titlebook: Bonus-Malus Systems in Automobile Insurance; Jean Lemaire Book 1995 Springer Science+Business Media New York 1995 Distribution.deregulatio

思想上升

犬儒主義者

草率女

https://doi.org/10.1007/978-3-658-09768-4d the Professional Union of Insurance Companies to set up a study group and suggest a new system to the regulatory authorities (see Lemaire, 1988a). The new system was implemented late in 1992. It penalizes the first claim by four classes.

結(jié)果

Tool 3: The Elasticity of a Bonus-Malus System degree of care exercised by a driver will mostly influence his number of accidents, but in a much lesser way the cost of these accidents. Bad drivers will provoke more claims, but not necessarily more expensive claims.

obtuse

正常

exorbitant

Tool 1: The Relative Stationary Average Levels Kenya and Brazil. Several of these countries have recently modified their system. In these cases both the old and the new BMS are studied in order to investigate the impact of the recent modifications. In some countries many different BMS coexist; only one or two typical systems are then analyzed. All BMS are described in appendix B.