Nous Montrons Que la Methodologie Utilisee Pour Integrer les Deux Approches Peut Etre Incoherente. Nous Proposons on Modele Statistique Qui Integre Adequatement les Deux Approches. Nous Presentons des Modeles de Poisson et de Binomiale Negative Avec Composantes de Regression Afin D'utiliser...

The world is experiencing the development of new financial instruments to cope with natural catastrophes economic losses, this paper contributes to the forward movement of the discussion about the sustainability of one of these instruments known as non-life insurance linked securities. It shows...

Some Current Insurance Markets Are Troubled by the Presence of Systematic Risk Or by the Inability of the Parties to Specify the Distribution for Aggregate Loss. Such Circumstances Partly Characterise the Topical "Liability Insurance Crisis". We Compare the Performance of Alternative Vehicles...

This Article Investigates the Practice of Experience Rating by Insurance Companies in the Presence of Symmetric Information Between the Insured and the Insurer. Experience Rating Is Treated As the Acquisition of Information by Both Parties to the Insurance Contract. When the Insured Buys...

In This Paper, We Present a Critical Review of the Main Characteristics of the Automobile Insurance Regime in Quebec, Emphasizing Both the Compensation and the Pricing of Insurance. Moreover, We Present a Recommendation in Order to Improve the Classification of Risks and to Increase Incentives...

For Many Years, Economists and Actuaries Have Studied Multiperiod Insurance Contracts Independently and Differently. This Paper Presents a First Empirical Economic Study on Moral Hazard and Experience Rating While Making Reference to Previous Empirical Actuarial Studies. the First Objective Is...