Modelling the disability severity score in motor insurance claims: an application to the Spanish case

Bodily injury claims have the greatest impact on the claim costs of motor insurance companies. The disability severity of motor claims is assessed in numerous European countries by means of score systems. In this paper a zero inflated generalized Poisson regression model is implemented to estimate the disability severity score of victims in-volved in motor accidents on Spanish roads. We show that the injury severity estimates may be automatically converted into financial terms by insurers at any point of the claim handling process. As such, the methodology described may be used by motor insurers operating in the Spanish market to monitor the size of bodily injury claims. By using insurance data, various applications are presented in which the score estimate of disability severity is of value to insurers, either for computing the claim compensation or for claim reserve purposes.

Determinants of the decision to appeal against motor bodily injury settlements awarded by Spanish trial courts

Automobile bodily injury disputes represent one of the main causes of litigation faced by Spanish Courts. In this paper a multinomial model is implemented to analyse which factors determine the decision to appeal against the verdicts of trial courts. Use of a dataset of motor insurance claims revealed differences between the determinants of a claimant’s decision to appeal and those of insurers. Among other results it is shown that discrepancies regarding the permanent disability sustained affect the insurer’s decision to appeal. In contrast, the claimant pays more attention to differences in the stated temporary disability. Conclusions are drawn regarding which factors could reduce the percentage of appealed cases.

Determining risk potential through accidents and near-accidents: an empirical study in a steel factory

Fatal and permanently disabling accidents form only one per I cent of all occupational accidents but in many branches of industry they account for more than half the accident costs. Furthermore the human suffering of the victim and his family is greater in severe accidents than in slight ones. For both human and economic reasons the severe accident risks should be identified befor injuries occur. It is for this purpose that different safety analysis methods have been developed . This study shows two new possible approaches to the problem.. The first is the hypothesis that it is possible to estimate the potential severity of accidents independent of the actual severity. The second is the hypothesis that when workers are also asked to report near accidents, they are particularly prone to report potentially severe near accidents on the basis of their own subjective risk assessment. A field study was carried out in a steel factory. The results supported both the hypotheses. The reliability and the validity of post incident estimates of an accident's potential severity were reasonable. About 10 % of accidents were estimated to be potentially critical; they could have led to death or very severe permanent disability. Reported near accidents were significantly more severe, about 60 $ of them were estimated to be critical. Furthermore the validity of workers subjective risk assessment, manifested in the near accident reports, proved to be reasonable. The studied new methods require further development and testing. They could be used both in routine usage in work places and in research for identifying and setting the priorities of accident risks.

Induced maritime accidents

Humanity system of life is highly supported by maritime transport when circa 8 thousand million people require about 8.800 million tons of merchandises by sea, going in some 105.000 merchant ships of over 100 GT, sailing every thinkable dangerous waters 365 days year 24 hours day. All that Enormous activity plus others different factors produce accidents, as is shown in an ascendant 1.7 rate related to ships lost with big number in life, cargoes losses, and pollution. That is why this study pretend to detect causes factors of maritime accidents, to try to reduce them, and with that targetin mind it was tested the new theory of Induced Maritime Accidents, crossing itsproposals with relevant sinister of different times and circumstances, as Andrea Doria, Torrey Canyon, Costa Concordia, among others. Those cases were re evaluated to establish the key points of such theory, as they are the Production Pressure, the Risk Homeostasis, technological advances and the rupture of safety margin. Cases studies gave as result the existence of referred key points, in a manner combined that the chain of events derived to the fatality, and more than that highlights the possibility that been suppressed to acceptable limits the production pressure or the risk homeostasis, a permissible safety margin were been maintained, avoiding catastrophe.

Sleep disorders, sleepiness and traffic safety: a public health menace

Sleep disorders are not uncommon and have been widely reported throughout the world. They have a profound impact on industrialized 24-h societies. Consequences of these problems include impaired social and recreational activities, increased human errors, loss of productivity, and elevated risk of accidents. Conditions such as acute and chronic insomnia, sleep loss, excessive sleepiness, shift-work, jet lag, narcolepsy, and sleep apnea warrant public health attention, since residual sleepiness during the day may affect performance of daily activities such as driving a car. Benzodiazepine hypnotics and zopiclone promote sleep, both having residual effects the following day including sleepiness and reduced alertness. In contrast, the non-benzodiazepine hypnotics zolpidem and zaleplon have no significant next-day residual effects when taken as recommended. Research on the effects of wakefulness-promoting drugs on driving ability is limited. Countermeasures for excessive daytime sleepiness have a limited effect. There is a need for a social awareness program to educate the public about the potential consequences of various sleep disorders such as narcolepsy, sleep apnea, shift-work-related sleep loss, and excessive daytime sleepiness in order to reduce the number of sleep-related traffic accidents.

[Automobile à 3 roues] : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58397

Monaco, [avril] 1920, [le pilote ou le constructeur de canot automobile Victor] Despujols : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58817

Monaco, [avril] 1920, [le canot automobile] Sunbeam Despujols II : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58850

Monaco, [avril] 1920, [le canot automobile] Sunbeam Despujols I : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58852

Monaco, [avril] 1920, [le canot automobile] Sunbeam Despujols I : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58856

[Monaco, avril 1920, le canot automobile] Sunbeam Despujols I : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58858

Monaco, [avril] 1920, [le canot automobile] Vicuna IV : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58884

Monaco, [avril] 1920, [le canot automobile] Sunbeam Despujols II : [photographie de presse] / [Agence Rol]

Référence bibliographique : Rol, 58889