Wybrane metody szacowania stawek składki netto w ubezpieczeniach komunikacyjnych OC
Abstract
The foundation of insurance activity is the correct estimation of insurance premiums. The
premiums should be estimated so that the insuring company would not incur losses and the insured
would not pay too much or too little.
In the paper two methods of estimating rates of premiums for net premiums defined by zeroutility
method are presented. In the first method to estimating premiums bayes estimators are used.
In the second method rates of premium are estimated by maximum utility function whose argument
is difference between the premium and the parameter of damage with the condition to preserve
insurer’s finance balance. The investigation was carried on real data from a Łódź insurance
company.
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