Abstract

RESTREPO-MORALES, Jorge Aníbal; MEDINA-HURTADO, Santiago  and  VALLEJO-MESA, Juliana. Economic Losses for Insurers Arising from Injured in Traffic Accidents: Applying a Loss Distribution Aggregated Model. Rev. Gerenc. Polit. Salud [online]. 2016, vol.15, n.30, pp.80-93. ISSN 1657-7027.  https://doi.org/10.11144/Javeriana.rgyps15-30.peca.

Traffic accidents, due to the serious consequences they have on people, and the high economic costs associated with them, are considered a worldwide social and public health problem. This paper assesses economic loss due to motorcycle accidents between 2012 and 2013 in a level 3 hospital. This is a quantitative-explanatory study, where an aggregate loss model is applied. An input of 2,518 patients is used which represents 9.08% of the Medellin's accidents reported. The 72.18% of all emergency events came from motorcycle accidents. Sunday was the day with highest accidents number with a 122 average patients. Average losses per day amount to cop 36,373 million. The operational VaR -maximum loss per day at 95 % confidence- is cop 112,400 million, and represents the probable maximum loss per day. The numbers and variables allow developing mobility policies and increased controls on days and vulnerable places with the highest traffic accidents number.

Keywords : transit accidents; wounds and injuries; prevention and control; statistics and numerical data; aggregate loss model; operative risk.

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