Auto insurance

Insurance for dummies is a reference. You don’t need to read the chapters in order from beginning to end — instead, dip into the book to find the information you need today, and pull it down off the shelf when you have questions next week, next month, or next year. This book addresses all areas of personal insurance. Most insurance books are more limited — for example, covering only life insurance, only health insurance, or maybe auto and homeowner’s insurance together. But this book covers just about every type of insurance you could ever need help with.

388p zizaybay1104 29-05-2024 7 2   Download

After studying this chapter you will be able to: Explain the types of life insurance; calculate life insurance premiums; explain and calculate cash value and other nonforfeiture options; explain and calculate premiums for fire insurance of buildings and their contents; calculate refunds when the insured and the insurance company cancel fire insurance; explain and calculate insurance loss when coinsurance is not met;...

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This paper empirically assesses the relationship between Deposit Insurance Funds (DIF) and the quality of risk assets of listed Deposit Money Banks (DMBs) in Nigeria. The entire fifteen listed DMBs in the country as of 31st December, 2017 were focused on and the secondary data were subsequently sourced from the yearly financials of the Nigeria Deposit Insurance Corporation (NDIC) for a 29-year period covering from 1989 to 2017.

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In this paper, AdaBoost algorithm, a popular and effective prediction method, is applied to predict the prediction of claim frequency of auto insurance, which plays an important part of property insurance companies. Using a real dataset of car insurance, we reduce the frequency prediction problem to be a multi-class problem, in turn we employ the mixed method called multi-class AdaBoost tree (a combination of decision tree with adaptive boosting) as our predictor.

9p cothumenhmong4 24-03-2020 14 3   Download

Telematics enabled UBI (usage-based insurance) is rapidly becoming a global phenomenon. The property and casualty insurance companies in Taiwan have suffered a deficit in their balance of payments with respect to auto insurance. Moreover, Taiwanese market only offers traditional, non-UBI automobile insurance products, and there have been no studies related to telematics-based UBI.

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Driverless cars will dominate the road ways in the near future. Insurers often strategize to understand the technologies of autonomous cars, what they mean and the impact they may have on their business so they can then tackle that from an insurance perspective. In order to identify the changes going with autonomous cars development, the way of literature reviewing is conduct. AHP (Analytic Hierarchy Process), then, employed to evaluate the weights of the changes which go with the autonomous cars development from perspectives of insurers and agency separately.

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(bq) part 2 "practical business math procedures" has contents: annuities and sinking funds, the cost of home ownership; how to read, analyze, and interpret financial reports; inventory and overhead; business statistics; life, fire, and auto insurance,...and other contents.

356p bautroibinhyen30 15-06-2017 60 7   Download

Chapter 23 - Auto insurance and society. This chapter is important because it analyzes the impact of the automobile problem upon society and the various methods of compensating accident victims for their injuries. Presenting this material should be easy, since most students drive and some have been involved in auto accidents.

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Chapter 22 - Auto insurance. The relevance of this chapter should be readily apparent to students. Most students drive, many of whom have been involved in auto accidents. Thus it should be easy for instructors to motivate students. In particular, students probably will show keen interest in the provisions that govern the driving of nonowned vehicles, since most students frequently drive cars that are owned by other parties.

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Chapter 20 - Life, fire, and auto insurance. In this chapter, the learning objectives are: Explain the types of life insurance; calculate life insurance premiums; explain and calculate cash value and other nonforfeiture options; explain and calculate premiums for fire insurance of buildings and their contents; calculate refunds when the insured and the insurance company cancel fire insurance; explain and calculate insurance loss when coinsurance is not met.

20p nomoney9 04-04-2017 35 2   Download

(bq) part 2 book "principles of risk management and insurance" has contents: social insurance, the liability risk, homeowners insurance, section ii, auto insurance, auto insurance and society, other property and liability insurance coverages, commercial property insurance, crime insurance and surety bonds,...and other contents.

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In dealing with car’s problem, mechanical engineers are those who can help to solve them. But sometimes they do not have enough time to see the mechanic and maybe the distance is quite far, and we are in hurry. Therefore we need instance help and solution. So it is believed that the use of expert system can be benefits in this situation by giving a temporary and instance guides to car’s owner. Inexperienced mechanic wrongly diagnosing the problem of the car can cause the loss of customer and income of an auto repair shop. If mechanic’s repair shop makes...

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Funding auto theft prevention authorities. Dedicated, continuous funding of auto theft prevention authorities contributes to their success. Most states fund them with a small sum per vehicle collected from insurance companies that issue coverage in the state. The Washington Auto Theft Prevention Authority receives its revenue from a $10 surcharge on traffic infraction fees.

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The authority’s seven members—the attorney general, three representatives of insurers and three at-large members—are appointed by the governor. It grants funds to local law enforcement and investigative units and the Pennsylvania State Police. The Allegheny County District Attorney’s Office receives money from the authority to pay for an Auto Theft Unit consisting of one deputy district attorney and two paralegals. Other county district attorney’s offices in the state receive funds from the authority to pay for prosecutors and staff who deal solely with auto theft cases....

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Pennsylvania. Pennsylvania’s long-standing, successful Auto Theft Prevention Authority was created by the legislature in 1994. Its primary goal is to combat auto theft through “tough laws, improved enforcement and administration, effective prosecution, and public education.” The authority uses no tax dollars. Instead, assessments required of the nearly 400 insurance companies that write automobile insurance policies in the state completely fund the authority.

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Some insurers have research units and can advise manufacturers and other organizations of theft trends and vulnerabilities of various vehicles to theft. The Coalition Against Insurance Fraud’s public awareness campaign includes airbag theft and works with legislators to address insurance fraud issues. The National Insurance Crime Bureau has brought together insurers and law enforcement agencies to facilitate identification, detection and prosecution of auto theft-related insurance fraud.

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The insurance industry provides leadership in several key areas to address auto theft. Information provided to customers creates awareness and prompts practices that deter and prevent auto theft. Some companies offer discounts for car alarms and tracking and disabling devices. According to the National Association of Insurance Commissioners, laws in nine states require insurers to provide discounts on base rates for comprehensive insurance for antitheft devices.

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The parts from popular older models often are collectively worth more than the intact vehicle. Many of these stolen cars end up in “chop shops,” where they are disassembled for parts sold to unscrupulous or unsuspecting repair shops or parts dealers. Some stolen vehicles are sold on the export market. Older, “classic” American cars are among those most valued overseas. It is estimated that at least 10 percent of automobile theft is a false report of a stolen car; that is, the vehicle has been given up or disposed of to pursue a fraudulent insurance claim. Some...

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Some vehicles that are fraudulently reported as stolen instead may have been traded for drugs. Stolen cars also are sometimes used in drug trafficking, drive-by shootings and armed robberies. These cars, often abandoned after they serve their purpose, help the perpetrator elude authorities, since he has no legal tie to the car involved.

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More than 93 percent of car thefts occur in metropolitan areas where motor vehicle theft remains a pervasive problem. Western states, in particular, experience high rates of motor vehicle theft, while nationally a car or truck was stolen every 28.8 seconds in 2007. The FBI Uniform Crime Reports released in September 2008 estimate 1.1 million motor vehicle thefts in 2007, with an estimated value of $7.4 billion.

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