There are three reasons for identifying drug-impaired driving for drivers involved in an automobile accident in the interest of motor insurance stakeholders: i. First reason relates toclaim recovery. ii. Second reason relates toassignment of liability, and especially subrogation opportunities. iii. Third reason relates tonon-renewal
A blood alcohol content of 0.08 grams per deciliter or higher is considered a per se case of driving while intoxicated.
Predictive models are applied not just at first-notice-of-loss or preliminary report of injury, but during the claims process, to enable them to much more rapidly identify and deal with them, because those are the claims that need immediate attention to avoid unpleasantness later.
Some commercial insurance companies have begun to see that better science?the type of science that modern predictive analytics can provide? can help underwriters do their jobs more effectively.
Most companies adopting predictive analytics think of it exclusively as a tool to help them with their pricing and underwriting.
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