MODEL ZERO INFLATED GENERALIZED POISSON UNTUK PEMODELAN KLAIM ASURANSI KECELAKAAN KENDARAAN BERMOTOR; ZERO INFLATED GENERALIZED POISSON MODEL FOR MODELLING VEHICLE ACCIDENT INSURANCE CLAIM

Aswani, Danardono

2011 | Disertasi | PROGRAM STUDI S2 MATEMATIKA

Bodily injury claims have the greatest impact on the claim costs of insurance companies in vehicle accident rate. In this paper a zero inflated generalized Poisson regression model is implemented to estimate the healing time of injury victims involved in motor accidents on Kendari City roads. We show that the healing time 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 vehicle accident insurance operating in the Kendari market to monitor the size of bodily injury claims. By using insurance data, various applications are presented in which the healing time estimate is of value to insurers, either for computing the claim compensation or for claim reserve purposes.

Kata Kunci : Kecelakaan kendaraan bermotor, keparahan cacat, zero-inflated generalized Poisson model, lama penyembuhan