Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency

Este trabalho visa analisar o impacto da pandemia de COVID-19 na sinistralidade do mercado de seguros brasileiro, utilizando as ferramentas de linguagem R. O objetivo central é identificar e analisar as tendências emergentes e os padrões de sinistralidade durante o período pandêmico, ampliando a com...

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Autores:
Costa, Renato Eliseu
Yukie, Diana
Tipo de recurso:
Article of investigation
Fecha de publicación:
2024
Institución:
Corporación Universitaria Remington
Repositorio:
Repositorio institucional Uniremington
Idioma:
por
OAI Identifier:
oai:repositorio.uniremington.edu.co:123456789/5967
Acceso en línea:
https://revistas.pucsp.br/index.php/CAFI/article/view/68113
https://repositorio.uniremington.edu.co/handle/123456789/5967
Palabra clave:
Loss ratio
Claims frequency
Insurance
Pandemic
Trend
sinistralidade
frequência de sinistros
Seguros
Pandemia
tendência
Rights
openAccess
License
CC BY 4.0
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oai_identifier_str oai:repositorio.uniremington.edu.co:123456789/5967
network_acronym_str URemingtn2
network_name_str Repositorio institucional Uniremington
repository_id_str
dc.title.en.fl_str_mv Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
dc.title.por.fl_str_mv Sinistralidade no mercado de seguros de automóvel : impactos da pandemia covid-19 na tendência de sinistralidade
title Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
spellingShingle Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
Loss ratio
Claims frequency
Insurance
Pandemic
Trend
sinistralidade
frequência de sinistros
Seguros
Pandemia
tendência
title_short Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
title_full Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
title_fullStr Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
title_full_unstemmed Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
title_sort Automobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequency
dc.creator.fl_str_mv Costa, Renato Eliseu
Yukie, Diana
dc.contributor.author.none.fl_str_mv Costa, Renato Eliseu
Yukie, Diana
dc.subject.en.fl_str_mv Loss ratio
Claims frequency
Insurance
Pandemic
Trend
topic Loss ratio
Claims frequency
Insurance
Pandemic
Trend
sinistralidade
frequência de sinistros
Seguros
Pandemia
tendência
dc.subject.por.fl_str_mv sinistralidade
frequência de sinistros
Seguros
Pandemia
tendência
description Este trabalho visa analisar o impacto da pandemia de COVID-19 na sinistralidade do mercado de seguros brasileiro, utilizando as ferramentas de linguagem R. O objetivo central é identificar e analisar as tendências emergentes e os padrões de sinistralidade durante o período pandêmico, ampliando a compreensão das mudanças comportamentais desse mercado em situações de crise. Com esta pesquisa foi avaliado que ferramentas de Data Science and Analytics são importantes no setor de seguros, considerando o tamanho das informações que precisam ser tratadas e a agilidade, além disso, sobre o tema proposto identificou-se que a sinistralidade durante a pandemia teve um aumento expressivo ao contrário do que se esperava e após a pandemia ainda está tendo impactos.
publishDate 2024
dc.date.issued.none.fl_str_mv 2024
dc.date.accessioned.none.fl_str_mv 2025-01-27T19:48:21Z
dc.date.available.none.fl_str_mv 2025-01-27T19:48:21Z
dc.type.none.fl_str_mv Artículo de revista
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format http://purl.org/coar/resource_type/c_2df8fbb1
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dc.identifier.citation.none.fl_str_mv Costa, R. E., & Yukie, D. . (2024). Sinistralidade no mercado de seguros de automóvel: : impactos da pandemia covid-19 na tendência de sinistralidade. CAFI, 7(2), 209–228. https://doi.org/10.23925/cafi.72.68113
dc.identifier.issn.none.fl_str_mv 2595-1750
dc.identifier.uri.none.fl_str_mv https://revistas.pucsp.br/index.php/CAFI/article/view/68113
https://repositorio.uniremington.edu.co/handle/123456789/5967
dc.identifier.doi.none.fl_str_mv 10.23925/cafi.72.68113
identifier_str_mv Costa, R. E., & Yukie, D. . (2024). Sinistralidade no mercado de seguros de automóvel: : impactos da pandemia covid-19 na tendência de sinistralidade. CAFI, 7(2), 209–228. https://doi.org/10.23925/cafi.72.68113
2595-1750
10.23925/cafi.72.68113
url https://revistas.pucsp.br/index.php/CAFI/article/view/68113
https://repositorio.uniremington.edu.co/handle/123456789/5967
dc.language.iso.none.fl_str_mv por
language por
dc.rights.none.fl_str_mv Copyright (c) CAFI - Contabilidade, Atuária, Finanças & Informação
dc.rights.license.none.fl_str_mv CC BY 4.0
dc.rights.uri.none.fl_str_mv https://creativecommons.org/licenses/by/4.0/
dc.rights.accessrights.none.fl_str_mv info:eu-repo/semantics/openAccess
dc.rights.coar.none.fl_str_mv http://purl.org/coar/access_right/c_abf2
rights_invalid_str_mv CC BY 4.0
Copyright (c) CAFI - Contabilidade, Atuária, Finanças & Informação
https://creativecommons.org/licenses/by/4.0/
http://purl.org/coar/access_right/c_abf2
eu_rights_str_mv openAccess
dc.format.extent.none.fl_str_mv 20 p.
dc.format.mimetype.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Pontifícia Universidade Católica de São Paulo - PUC/SP
publisher.none.fl_str_mv Pontifícia Universidade Católica de São Paulo - PUC/SP
institution Corporación Universitaria Remington
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spelling CC BY 4.0Copyright (c) CAFI - Contabilidade, Atuária, Finanças & Informaçãohttps://creativecommons.org/licenses/by/4.0/info:eu-repo/semantics/openAccesshttp://purl.org/coar/access_right/c_abf2Costa, Renato EliseuYukie, Diana2025-01-27T19:48:21Z2025-01-27T19:48:21Z2024Costa, R. E., & Yukie, D. . (2024). Sinistralidade no mercado de seguros de automóvel: : impactos da pandemia covid-19 na tendência de sinistralidade. CAFI, 7(2), 209–228. https://doi.org/10.23925/cafi.72.681132595-1750https://revistas.pucsp.br/index.php/CAFI/article/view/68113https://repositorio.uniremington.edu.co/handle/123456789/596710.23925/cafi.72.68113Este trabalho visa analisar o impacto da pandemia de COVID-19 na sinistralidade do mercado de seguros brasileiro, utilizando as ferramentas de linguagem R. O objetivo central é identificar e analisar as tendências emergentes e os padrões de sinistralidade durante o período pandêmico, ampliando a compreensão das mudanças comportamentais desse mercado em situações de crise. Com esta pesquisa foi avaliado que ferramentas de Data Science and Analytics são importantes no setor de seguros, considerando o tamanho das informações que precisam ser tratadas e a agilidade, além disso, sobre o tema proposto identificou-se que a sinistralidade durante a pandemia teve um aumento expressivo ao contrário do que se esperava e após a pandemia ainda está tendo impactos.This paper proposes a study on the impact of the COVID-19 pandemic on the loss ratio in the Brazilian insurance market, using R language tools. The main objective is to identify and analyze emerging trends and patterns of claims frequency during the pandemic period, enhancing the understanding of behavioral changes in this market during crisis situations. The project is also focused on applying these insights to risk management and strategic planning for companies in the sector. This research evaluated that Data Science and Analytics tools are of utmost importance in the insurance industry, considering the size of the information that needs to be processed and the required agility. Furthermore, regarding the proposed topic, it was discovered that loss ratio during the pandemic had a significant increase contrary to expectations, and after the pandemic, it is still having impacts.20 p.application/pdfporPontifícia Universidade Católica de São Paulo - PUC/SPLoss ratioClaims frequencyInsurancePandemicTrendsinistralidadefrequência de sinistrosSegurosPandemiatendênciaAutomobile Insurance Market loss ratio : impacts of the Covid-19 pandemic on the trend of claims frequencySinistralidade no mercado de seguros de automóvel : impactos da pandemia covid-19 na tendência de sinistralidadeArtículo de revistainfo:eu-repo/semantics/publishedVersionhttp://purl.org/coar/resource_type/c_2df8fbb1http://purl.org/coar/version/c_970fb48d4fbd8a85Textinfo:eu-repo/semantics/articlehttp://purl.org/redcol/resource_type/ARTArtículo de revistaPublicationTEXTCAFI_v7n2a05.pdf.txtCAFI_v7n2a05.pdf.txtExtracted texttext/plain56760https://repositorio.uniremington.edu.co/bitstreams/a884f2fe-92a4-436d-8bc5-7c5fd28f8dd3/download34f4451dc9b7c22a23e10ecac03add72MD53THUMBNAILCAFI_v7n2a05.pdf.jpgCAFI_v7n2a05.pdf.jpgGenerated Thumbnailimage/jpeg5700https://repositorio.uniremington.edu.co/bitstreams/1f43e3dc-7139-4f43-84d3-0211ca0031a4/download0f8c749a90b904ffade53e02a38cecf9MD54LICENSElicense.txtlicense.txttext/plain; charset=utf-81748https://repositorio.uniremington.edu.co/bitstreams/eceab0bc-3484-4b13-a0c0-b2b1394d1ebb/download8a4605be74aa9ea9d79846c1fba20a33MD52ORIGINALCAFI_v7n2a05.pdfCAFI_v7n2a05.pdfapplication/pdf561465https://repositorio.uniremington.edu.co/bitstreams/61a928ba-3e91-4db4-a596-7c466e26cf10/download60e27dcb12b84c07db02c2e52149b26dMD51123456789/5967oai:repositorio.uniremington.edu.co:123456789/59672025-01-31 17:00:59.634https://creativecommons.org/licenses/by/4.0/Copyright (c) CAFI - Contabilidade, Atuária, Finanças & Informaçãoopen.accesshttps://repositorio.uniremington.edu.coRepositorio UNIREMINGTONbiblioteca@uniremington.edu.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