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Methods and statistical models used to identify uninsured car owners

Author

Listed:
  • Wojciech Bijak

    (Szkoła Główna Handlowa w Warszawie, Ubezpieczeniowy Fundusz Gwarancyjny)

  • Piotr Dziel

    (Ubezpieczeniowy Fundusz Gwarancyjny)

  • Stanisław Garstka

    (Ubezpieczeniowy Fundusz Gwarancyjny)

  • Krzysztof Hrycko

    (Ubezpieczeniowy Fundusz Gwarancyjny)

Abstract

The paper presents the approach used by the Polish Insurance Guarantee Fund to tackle the phenomenon of uninsured car owners. The process covers different areas concerning: 1. algorithms which identify discontinuity in MTPL coverage, 2. the usage of statistical modelling called supervised learning, including such models as: generalised linear models, decision trees and neural networks, 3. the cooperation with insurers to identify the uninsured. The paper presents the results obtained in exemplary statistical models, as well as the achieved accuracy of prediction. The publication presents further evolution of the developed system.

Suggested Citation

  • Wojciech Bijak & Piotr Dziel & Stanisław Garstka & Krzysztof Hrycko, 2015. "Methods and statistical models used to identify uninsured car owners," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 37, pages 199-228.
    • Handle: RePEc:sgh:annals:i:37:y:2015:p:199-228
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