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

Author

Listed:
  • María del Carmen Melgar Hiraldo

    (Universidad Pablo de Olavide)

  • José Antonio Ordaz Sanz

    (Universidad Pablo de Olavide)

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

Suggested Citation

  • María del Carmen Melgar Hiraldo & José Antonio Ordaz Sanz, 2010. "Aplicación de los modelos inflados de ceros en el análisis de la siniestralidad y el componente de culpabilidad en el seguro de automóviles," Revista de Administración, Finanzas y Economía (Journal of Management, Finance and Economics), Tecnológico de Monterrey, Campus Ciudad de México, vol. 4(1), pages 44-63.
    • Handle: RePEc:ega:rafega:201004
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    File URL: http://alejandria.ccm.itesm.mx/egap/documentos/2010V4A4Melgar-Ordaz.pdf
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    More about this item

    Keywords

    siniestro; culpabilidad; seguro de automóviles; modelos inflados de ceros;
    All these keywords.

    JEL classification:

    • C52 - Mathematical and Quantitative Methods - - Econometric Modeling - - - Model Evaluation, Validation, and Selection
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies

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