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Automobile Insurance
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Bonus-Malus Systems in Automobile Insurance
Most insurers around the world have introduced some form of merit-rating in automobile third party liability insurance. Such systems, penalizing at-fault accidents by premium surcharges and rewarding claim-free years by discounts, are called bonus-malus systems (BMS) in Europe and Asia. With the current deregulation trends that concern most insurance markets around the world, many companies will need to develop their own BMS. The main objective of the book is to provide them models to design BMS that meet their objectives. Part I of the book contains an overall presentation of the pros and cons of merit-rating, a case study and a review of the different probability distributions that can be ...
Automobile Insurance Made Simple
Automobile Insurance Made Simple is a comprehensive, easy to understand consumer's guide to auto insurance. It explains the basic coverages provided by most auto insurance policies, along with simple and clear examples. The book explains how insurance companies determine how much you pay for auto insurance. Once you have this basic understanding, it's easy to see how you can save money on your auto insurance. The book contains actual rating examples and premium charges with easy-to-follow charts and graphs. It provides tips on how to shop, what discounts to look for, and how not to become a victim of insurance fraud. It explains coverages. This book is a valuable resource worth coming back to time and again. An absolute must buy if you live in New Jersey! The $20 investment you make in this book can save you hundreds of dollars in just one year, even thousands of dollars over the course of your lifetime.
