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...

Descripción completa

Detalles Bibliográficos
Autores: Ayuso, Mercedes, Guillén, Montserrat, Pérez Marín, Ana María
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
id ES_5eb8adc2e5fa4f56f6fe29e96b28eea1
oai_identifier_str oai:recercat.cat:2445/106566
network_acronym_str ES
network_name_str España
repository_id_str
spelling Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insuranceAyuso, MercedesGuillén, MontserratPérez Marín, Ana MaríaAssegurances d'automòbilsAccidents de circulacióTelemàticaAnàlisi de supervivència (Biometria)Estudis de gènereAutomobile insuranceTraffic accidentsTelematicsSurvival analysis (Biometry)Gender studiesIn 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.Elsevier Ltd2017201920162017info:eu-repo/semantics/articleinfo:eu-repo/semantics/acceptedVersion8 p.application/pdfhttps://hdl.handle.net/2445/106566Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)reponame:Recercat. Dipósit de la Recerca de Catalunyainstname:Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)InglésVersió postprint del document publicat a: https://doi.org/10.1016/j.trc.2016.04.004Transportation Research Part C: Emerging Technologies, 2016, vol. 68, num. July, p. 160-167https://doi.org/10.1016/j.trc.2016.04.004cc-by-nc-nd (c) Elsevier Ltd, 2016http://creativecommons.org/licenses/by-nc-nd/3.0/esinfo:eu-repo/semantics/openAccessoai:recercat.cat:2445/1065662026-05-29T05:05:01Z
dc.title.none.fl_str_mv Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
title Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
spellingShingle Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
Ayuso, Mercedes
Assegurances d'automòbils
Accidents de circulació
Telemàtica
Anàlisi de supervivència (Biometria)
Estudis de gènere
Automobile insurance
Traffic accidents
Telematics
Survival analysis (Biometry)
Gender studies
title_short Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
title_full Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
title_fullStr Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
title_full_unstemmed Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
title_sort Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance
dc.creator.none.fl_str_mv Ayuso, Mercedes
Guillén, Montserrat
Pérez Marín, Ana María
author Ayuso, Mercedes
author_facet Ayuso, Mercedes
Guillén, Montserrat
Pérez Marín, Ana María
author_role author
author2 Guillén, Montserrat
Pérez Marín, Ana María
author2_role author
author
dc.subject.none.fl_str_mv Assegurances d'automòbils
Accidents de circulació
Telemàtica
Anàlisi de supervivència (Biometria)
Estudis de gènere
Automobile insurance
Traffic accidents
Telematics
Survival analysis (Biometry)
Gender studies
topic Assegurances d'automòbils
Accidents de circulació
Telemàtica
Anàlisi de supervivència (Biometria)
Estudis de gènere
Automobile insurance
Traffic accidents
Telematics
Survival analysis (Biometry)
Gender studies
description 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.
publishDate 2016
dc.date.none.fl_str_mv 2016
2017
2017
2019
dc.type.none.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/acceptedVersion
format article
status_str acceptedVersion
dc.identifier.none.fl_str_mv https://hdl.handle.net/2445/106566
url https://hdl.handle.net/2445/106566
dc.language.none.fl_str_mv Inglés
language_invalid_str_mv Inglés
dc.relation.none.fl_str_mv Versió postprint del document publicat a: https://doi.org/10.1016/j.trc.2016.04.004
Transportation Research Part C: Emerging Technologies, 2016, vol. 68, num. July, p. 160-167
https://doi.org/10.1016/j.trc.2016.04.004
dc.rights.none.fl_str_mv cc-by-nc-nd (c) Elsevier Ltd, 2016
http://creativecommons.org/licenses/by-nc-nd/3.0/es
info:eu-repo/semantics/openAccess
rights_invalid_str_mv cc-by-nc-nd (c) Elsevier Ltd, 2016
http://creativecommons.org/licenses/by-nc-nd/3.0/es
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv 8 p.
application/pdf
dc.publisher.none.fl_str_mv Elsevier Ltd
publisher.none.fl_str_mv Elsevier Ltd
dc.source.none.fl_str_mv Articles publicats en revistes (Econometria, Estadística i Economia Aplicada)
reponame:Recercat. Dipósit de la Recerca de Catalunya
instname:Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)
instname_str Varias* (Consorci de Biblioteques Universitáries de Catalunya, Centre de Serveis Científics i Acadèmics de Catalunya)
reponame_str Recercat. Dipósit de la Recerca de Catalunya
collection Recercat. Dipósit de la Recerca de Catalunya
repository.name.fl_str_mv
repository.mail.fl_str_mv
_version_ 1869409149317545984
score 15.812429

Similares en LA Referencia