چکیده مقاله
In this paper, we compare bonus malus systems to deductibles Specifically, we design a system in which the policyholders in the malus zone are allowed to choose at each renewal between a premium surcharge induced by relativities associated with the bonus malus scale or a deductible in case of a claim during the forthcoming year If the deductible is selected, this induces a strong incentive to careful driving According to signal theory, drivers opting for the deductible are expected to be better drivers on average than those paying the premium surcharge induced by the upward mode in the bonus malus scale
نویسندگان
Fatemeh Emdadi
Allameh tabatabaei university Eco department
Melika Firouzi
Allameh tabatabaei university Eco department
Reza Ofoghi
Allameh tabatabaei university Eco department
شیوه ارجاع
Emdadi, Fatemeh and Firouzi, Melika and Ofoghi, Reza,1390,Bonus-malus system,18th National and 4th International Conference on Insurance and Development,Tehran
ارائهشده در
مجموعه مقالات هجدهمین همایش ملی و چهارمین سمینار بین المللی بیمه و توسعه8 آذر 1390 · تهران