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Issue 51/2018 The CEA states that the primary version is the paper one. Kamil Gala Taryfikacja a priori w ubezpieczeniach komunikacyjnych z uwzględnieniem zależności przestrzennej *** The a priori risk classification with spatial autocorrelation in automobile insurance Abstract The subject of this paper is to describe a priori risk classification models in automobile insurance which take into consideration the address of the insured. The extension of the generalized linear model with the multi-level factor to account for the correlation between the levels is presented. The analysis of empirical data from the Polish insurance indicates both significant spatial heterogeneity and spatial autocorrelation. Moreover, the inclusion of spatial variables in the risk classification models can improve their accuracy and effectiveness. Article: PDF Table of contents of issue 51 |
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