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in the keywords:  civil liability motor insurance of vehicle owners
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EN
In the automobile insurance tarification consists of two stages. The first step is to determine the net premiums on the basis of known risk factors, called a priori ratemaking. The second stage, called a posteriori ratemaking is to take into account the driver's claims history in the premium. Each step usually requires the actuary's selection of the theoretical distribution of the number of claims in the portfolio. The paper presents methods of consistency evaluation of the empirical and theoretical distributions used in motor insurance, illustrated with an example of data from different European markets.
EN
In the process of calculation of the insurance premium in civil liability motor insurance the knowledge of distribution of the number and value of paid claims is required. The paper presents the methods of assessing the degree of the fit of theoretical distributions of the number of claims to empirical distributions in civil liability motor insurance in the example of data from one of the insurance companies in Poland. The distributions of the number of claims in separate age groups of drivers were also analyzed and their compatibility to the theoretical distribution of the number of claims in the portfolio was assessed.
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