Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
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 sys...
| Autores: | , , |
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| Tipo de recurso: | artículo |
| Estado: | Versión aceptada para publicación |
| Fecha de publicación: | 2016 |
| País: | España |
| Institución: | Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya) |
| Repositorio: | Recercat. Dipósit de la Recerca de Catalunya |
| OAI Identifier: | oai:recercat.cat:2445/106566 |
| Acceso en línea: | https://hdl.handle.net/2445/106566 |
| Access Level: | acceso abierto |
| Palabra clave: | Assegurances d'automòbils Accidents de circulació Telemàtica Anàlisi de supervivència (Biometria) Estudis de gènere Automobile insurance Traffic accidents Telematics Survival analysis (Biometry) Gender studies |
| Sumario: | 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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