Wybrane metody szacowania stawek składki netto w ubezpieczeniach komunikacyjnych OC

• Authors: Szymańska, Anna

Title variants

PL

Chosen Methods of Estimating Net Premiums in Civil Responsibility Car Insurance

Abstracts

EN

The foundation of insurance activity is the correct estimation of insurance premiums. The premiums should be estimated so that the insuring company would not incur losses and the insured would not pay too much or too little. In the paper two methods of estimating rates of premiums for net premiums defined by zeroutility method are presented. In the first method to estimating premiums bayes estimators are used. In the second method rates of premium are estimated by maximum utility function whose argument is difference between the premium and the parameter of damage with the condition to preserve insurer’s finance balance. The investigation was carried on real data from a Łódź insurance company.

Keywords

EN

stawka składki; system bonus-malus; estymacja bayesowska

• Publisher: Uniwersytet Łódzki. Wydawnictwo Uniwersytetu Łódzkiego
• Journal: Acta Universitatis Lodziensis. Folia Oeconomica
• Year: 2012
• Volume: 271

Dates

published

2012

Contributors

author

Szymańska, Anna

other

Uniwersytet Łódzki; Wydział Ekonomiczno-Socjologiczny; Instytut Statystyki i Demografii

Identifiers

URI

http://hdl.handle.net/11089/1917