Aplicación de los modelos inflados de ceros en el análisis de la siniestralidad y el componente de culpabilidad en el seguro de automóviles

María del Carmen Melgar Hiraldo and José Antonio Ordaz Sanz
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María del Carmen Melgar Hiraldo: Universidad Pablo de Olavide
José Antonio Ordaz Sanz: Universidad Pablo de Olavide

Revista de Administración, Finanzas y Economía (Journal of Management, Finance and Economics), 2010, vol. 4, issue 1, 44-63

Abstract: This paper focuses on the analysis of accidents in the automobile insurance industry. The main objective of our work consists on the determination of the most significant factors that influence the number of accidents that policyholders declare to their insurance companies. The existence of guilt in the accidents is an aspect we especially consider as well. We carry out an econometric analysis using the provided data by a Spanish private insurance company and zero-inflated count data models. The features of these types of models can lead to take them as the most appropriate theoretic solution for studying this question

Keywords: siniestro; culpabilidad; seguro de automóviles; modelos inflados de ceros (search for similar items in EconPapers)
JEL-codes: C52 G22 (search for similar items in EconPapers)
Date: 2010
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Persistent link: https://EconPapers.repec.org/RePEc:ega:rafega:201004

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