“It was established beyond the shadow of a doubt that the individual who is involved in automobile accidents, regardless of whether he appears to cause them or not, is much more likely to have accidents in the future than is the person who is accident free....[I]nvolvement in an accident regardless of who was at fault, was the important consideration.” Insurance company letter to an attorney re...

The paper presents application of data mining techniques to fraud analysis. We present some classification and prediction data mining techniques which we consider important to handle fraud detection. There exist a number of data mining algorithms and we present statistics-based algorithm, decision tree-based algorithm and rule-based algorithm. We present Bayesian classification model to detect ...

The purpose of this paper is to underline the special role communication has to play in the insurance of customer satisfaction within service providing organisations in the automobile repairs industry. Generally, communication represents a complex process of information delivery, for influencing and changing communication partners’ behaviour and attitudes. Customers today observe, in detail, th...

this study was conducted to assess the in vitro organic matter digestibility (omd) of pistachio hull using rumen fluid of taleshi sheep. animals were fed diets composed of 34% pistachio hull, 29% grape pomace, 32% alfalfa, and 5% grain barley. the chemical composition and phenolics' levels of pistachio hull, either industrially dried pistachio hull (idph) or sun dried pistachio hull (sdph)...

The paper presents application of data mining techniques to fraud analysis. We present some classification and prediction data mining techniques which we consider important to handle fraud detection. There exist a number of data mining algorithms and we present statistics-based algorithm, decision treebased algorithm and rule-based algorithm. We present Bayesian classification model to detect f...

The paper presents fraud detection method to predict and analyze fraud patterns from data. To generate classifiers, we apply the Naïve Bayesian Classification, and Decision Tree-Based algorithms. A brief description of the algorithm is provided along with its application in detecting fraud. The same data is used for both the techniques. We analyze and interpret the classifier predictions. The m...

A series of studies by the Department of Transportation in the 1960’s and early 1970’s first popularized analysis of automobile insurance experience through accident proneness models. Unlike many actuarial approaches which tend to be empirical and. emphasize practical interpretations, accident proneness models tend to be heavily theoretical and often prove difficult to interpret on a non-techni...

In this article the hedonic regression technique is used to estimate the value of traffic safety, using information from the Swedish market for automobiles. The results from the study show that the market price of an automobile is negatively correlated with its inherent risk level, i.e Swedish car consumers pay a safety premium for safer cars. In comparison to previous Swedish stated-preference...

This article explores the explicative capabilities of neural network classifiers with automatic relevance determination weight regularization, and reports the findings from applying these networks for personal injury protection automobile insurance claim fraud detection. The automatic relevance determination objective function scheme provides us with a way to determine which inputs are most inf...

Mixed Poisson distributions are widely used for modeling claim counts when the portfolio is thought to be heterogeneous. The risk (or mixing) distribution then represents a measure of this heterogeneity. The aim of this paper is to use a variant of the Patilea and Rolin [15] smoothed version of the Simar [20] Non-Parametric Maximum Likelihood Estimator of the risk distribution in the mixed Pois...