2026-04-13T05:49:33Zhttps://recercat.cat/oai/request

oai:recercat.cat:2445/1065662025-12-05T05:48:55Zcom_2072_1057col_2072_478808col_2072_478917

00925njm 22002777a 4500 dc Ayuso, Mercedes author Guillén, Montserrat author Pérez Marín, Ana María author 2017-02-07T08:24:09Z 2019-07-31T05:10:11Z 2016-07 2017-02-07T08:24:09Z In this paper we employ survival analysis methods to analyse the impact of driving patterns on distance travelled before a first claim is made by young drivers underwriting a pay-as-you-drive insurance scheme. An empirical application is presented in which we analyse real data collected by a GPS system from a leading Spanish insurer. We show that men have riskier driving patterns than women and, moreover, that there are gender differences in the impact driving patterns have on the risk of being involved in an accident. The implications of these results are discussed in terms of the 'no-gender' discrimination regulation. Assegurances d'automòbils Accidents de circulació Telemàtica Anàlisi de supervivència (Biometria) Estudis de gènere Automobile insurance Traffic accidents Telematics Survival analysis (Biometry) Gender studies Using GPS data to analyze the distance traveled to the first accident at fault in pay-as-you-drive insurance