Boonkrong, Pichit; Yang, Junwei; Huang, Xueyuan; … - In: Risks : open access journal 14 (2026) 3, pp. 1-22
evaluated across multiple curated feature sets generated through statistical filtering, stepwise selection, and permutation … reduced four-feature Random Forest model (car age, net premium, sum insured, and car group) achieves the highest predictive … performance (AUC = 99.62%; F1 = 98.15%), outperforming full-feature models while maintaining superior computational efficiency …