Historical Financial Data - Domestic Automobile Manufacturers

Science.gov (United States)

1979-01-01

A historical financial data base was developed for the four major U.S. automobile manufacturers, focusing on the specific operations associated with production and marketing of automobiles and light trucks. The years subject to analysis were 1967-197...

Effect of Automobile Travel Time Between Patients' Homes and Ophthalmologists' Offices on Screening for Diabetic Retinopathy.

Science.gov (United States)

Macon, Céline; Carrier, Hélène; Janczewski, Aurélie; Verger, Pierre; Casanova, Ludovic

2018-01-01

The accessibility of ophthalmologists appears to influence the quality of screening for diabetic retinopathy (DR). The principal objective of this study was to analyze the effect of automobile travel time to the closest ophthalmologist on the time to DR screening. This historical cohort study used reimbursement databases from the principal national health insurance fund. Patients were included if they had been reimbursed at least thrice for oral antidiabetic medications in the 12 months before the study start date. Patients were followed up from January 1, 2008, for 4 years. The expected event was a DR screening by an ocular fundus examination. The automobile travel time to the nearest ophthalmologist was calculated by the distance between communes, estimated by appropriate software. A Kaplan-Meier curve and a multivariate Cox model were used to model the effect of travel time on the time until DR screening. A sensitivity analysis of travel time described the results of the Cox model. At the start of 2008, 6,573 patients living in 328 different municipalities were included. The multivariate model found that patients living 60 min or more away from an ophthalmologist had a lower instantaneous probability of DR screening than those living travel time. Increased automobile travel time for patients with diabetes to the nearest ophthalmologist was associated with a longer time to DR screening.

Recent trends in automobile recycling: An energy and economic assessment

Energy Technology Data Exchange (ETDEWEB)

Curlee, T.R.; Das, S.; Rizy, C.G. [Oak Ridge National Lab., TN (United States); Schexanyder, S.M. [Tennessee Univ., Knoxville, TN (United States). Dept. of Biochemistry

1994-03-01

Recent and anticipated trends in the material composition of domestic and imported automobiles and the increasing cost of landfilling the non-recyclable portion of automobiles (automobile shredder residue or ASR) pose questions about the future of automobile recycling. This report documents the findings of a study sponsored by the US Department of Energy`s Office of Environmental Analysis to examine the impacts of these and other relevant trends on the life-cycle energy consumption of automobiles and on the economic viability of the domestic automobile recycling industry. More specifically, the study (1) reviewed the status of the automobile recycling industry in the United States, including the current technologies used to process scrapped automobiles and the challenges facing the automobile recycling industry; (2) examined the current status and future trends of automobile recycling in Europe and Japan, with the objectives of identifying ``lessons learned`` and pinpointing differences between those areas and the United States; (3) developed estimates of the energy system impacts of the recycling status quo and projections of the probable energy impacts of alternative technical and institutional approaches to recycling; and (4) identified the key policy questions that will determine the future economic viability of automobile shredder facilities in the United States.

Contact Dermatitis In Automobile Repair workers

Directory of Open Access Journals (Sweden)

Joshi M P

1997-01-01

Full Text Available Automobile repair workers are at risk of developing skin morbidity including occupational dermatoses because of their exposure to mineral oils, petroleum products and its derivatives and lubricating oil. This cross- sectional study was carried out at Maharashtra State Road Transport Corporation workshops in Nagpur city to investigate prevalence of skin morbidity including contact dermatitis in automobile repair workers. The study included 288 (49.9% automobile repair workers 180 (31.3% workshop office staff and 109 (18.8% divisional office employees. Dermatitis was the commonest skin morbidity in all the study subjects and it was significantly more prevalent in automobile repair workers. Folliculitis was detected in 13.2% of auto â€" repair workers and was not seen in the other two groups. Increasing trend of skin morbidity was correlated with the length of service of employees. Proper protective measures along with suitable washing facilities should be provided

The challenges of automobile-dependent urban transport strategy

Directory of Open Access Journals (Sweden)

Jovanović Miomir

2015-01-01

Full Text Available The fundamental aims of sustainable urban development and the pro-automobile oriented economic development are on a collision course. It is obvious that automobile-dependent urban development is under heavy/powerful influence of the automobile lobby (automobile and oil industries, along with construction. In this domain famous land-use-transportation studies (or ‘grand transportation studies’ are, unfortunately, still prevailing - a vicious circle of self-fulfilling prophecy of congestion, road building, sprawl, congestion and more road building. Until recently, it was commonly thought that investment in public transport was not economically sustainable and that focusing on the development of the automobile industry and financing the construction of roadways stimulated economic growth. In this paper we clearly show that automobile industry is now overcapitalized, less profitable than many other industries (and may become even less profitable in the future, that transport market is characterized with huge distortions (more than a third of motor-vehicle use can be explained by underpriced driving, while new road investment does not have a major impact on economic growth (especially in a region with an already well-developed infrastructure, and that pro-automobile transport strategy inexorably incurs harmful global, regional and local ecological consequences. [Projekat Ministarstva nauke Republike Srbije, br. 37010

Can urban rail transit curb automobile energy consumption?

International Nuclear Information System (INIS)

Lin, Boqiang; Du, Zhili

2017-01-01

With the rapid development of China's economy and the speed of urbanization, China's automobile sector has experienced rapid development. The rapid development of the automobile sector has increased energy consumption. According to the results of this paper, automobile energy consumption accounted for about 10.73% of total energy consumption in China in 2015, about 3.6 times the proportion a decade ago. With the deterioration of urban traffic conditions, relying on expanding the amount of vehicles and city road network cannot solve the problem. Urban rail transit is energy-saving and less-polluting, uses less space, has large capacity, and secure. Urban rail transit, according to the principle of sustainable development, is a green transportation system and should be especially adopted for large and medium-sized cities. The paper uses the binary choice model (Probit and Logit) to analyze the main factors influencing the development of rail transit in Chinese cities, and whether automobile energy consumption is the reason for the construction of urban rail transit. Secondly, we analyze the influence of urban rail transit on automobile energy consumption using DID model. The results indicate that the construction of urban rail traffic can restrain automobile energy consumption significantly, with continuous impact in the second year. - Highlights: • Investigate the main factors influencing the building of rail transit for Chinese cities. • Analyze the influence of urban rail transit on automobile energy consumption by DID model. • The results indicate that the construction of urban rail traffic can restrain automobile energy consumption significantly.

Promotion Models and Achievements of New-energy Automobiles in Shenzhen

Science.gov (United States)

Cai, Yu; Xiong, Siqin; Bai, Bo; Ma, Xiaoming

2017-08-01

As one of the pilot cities in China for demonstration and promotion of new-energy automobiles, Shenzhen, driven by the “two engines” of the government and the market, has made swift progress in promotion of its new-energy automobiles. This paper analyses Shenzhen’s governmental promotion policy concerning new-energy automobiles, summarizes Shenzhen’s commercial models for promoting new-energy automobiles, and is expected to provide reference for other provinces and cities to promote new-energy automobiles.

The future role of the automobile in Canada. Le role future de l'automobile au Canada

Energy Technology Data Exchange (ETDEWEB)

Khan, A.M.

1982-03-01

This paper describes the future role of the automobile from an intercity transportation perspective in multimodal contexts; it identifies courses of action open to Transport Canada officials in support of the suggested role. Discussed here is the automobile's multifaceted role, focussing mainly on its use as a mode of door-to-door travel for short trips, a feeder as well as an adjunct to public modes, a means of avoiding excessible public expenditure in highly subsidized public modes (e.g., rail), and a means for providing basic mobility in regional travel contexts. This study goes beyond the 1979 Transport Canada report with the same title by recommending courses of action that might assist officials in formulating policy, planning and other endeavours. At the outset, updated information is provided on the current status and future outlook of selected important factors that affect the future transportation role of the automobile. Against this background, the relevance of major findings of the 1979 automobile report are reviewed and gaps in knowledge identified. On the basis of this information, a future role for the automobile is discussed, with appropriate courses of action recommended. These recommendations and their institutional/program implications are addressed to Transport Canada in the areas of strategic planning and policy, energy planning, safety and coordination of actions/programs with other federal government departments and provincial governments. 48 refs., 8 tabs.

Asbestos-related diseases in automobile mechanics.

Science.gov (United States)

Ameille, Jacques; Rosenberg, Nicole; Matrat, Mireille; Descatha, Alexis; Mompoint, Dominique; Hamzi, Lounis; Atassi, Catherine; Vasile, Manuela; Garnier, Robert; Pairon, Jean-Claude

2012-01-01

Automobile mechanics have been exposed to asbestos in the past, mainly due to the presence of chrysotile asbestos in brakes and clutches. Despite the large number of automobile mechanics, little is known about the non-malignant respiratory diseases observed in this population. The aim of this retrospective multicenter study was to analyse the frequency of pleural and parenchymal abnormalities on high-resolution computed tomography (HRCT) in a population of automobile mechanics. The study population consisted of 103 automobile mechanics with no other source of occupational exposure to asbestos, referred to three occupational health departments in the Paris area for systematic screening of asbestos-related diseases. All subjects were examined by HRCT and all images were reviewed separately by two independent readers; who in the case of disagreement discussed until they reached agreement. Multiple logistic regression models were constructed to investigate factors associated with pleural plaques. Pleural plaques were observed in five cases (4.9%) and interstitial abnormalities consistent with asbestosis were observed in one case. After adjustment for age, smoking status, and a history of non-asbestos-related respiratory diseases, multiple logistic regression models showed a significant association between the duration of exposure to asbestos and pleural plaques. The asbestos exposure experienced by automobile mechanics may lead to pleural plaques. The low prevalence of non-malignant asbestos-related diseases, using a very sensitive diagnostic tool, is in favor of a low cumulative exposure to asbestos in this population of workers.

Asbestos-related diseases in automobile mechanics

Science.gov (United States)

Ameille, Jacques; Rosenberg, Nicole; Matrat, Mireille; Descatha, Alexis; Mompoint, Dominique; Hamzi, Lounis; Atassi, Catherine; Vasile, Manuela; Garnier, Robert; Pairon, Jean-Claude

2012-01-01

Purpose Automobile mechanics have been exposed to asbestos in the past, mainly due to the presence of chrysotile asbestos in brakes and clutches. Despite the large number of automobile mechanics, little is known about the non-malignant respiratory diseases observed in this population. The aim of this retrospective multicenter study was to analyze the frequency of pleural and parenchymal abnormalities on HRCT in a population of automobile mechanics. Methods The study population consisted of 103 automobile mechanics with no other source of occupational exposure to asbestos, referred to three occupational health departments in the Paris area for systematic screening of asbestos–related diseases. All subjects were examined by HRCT and all images were reviewed separately by two independent readers, with further consensus in the case of disagreement. Multiple logistic regression models were constructed to investigate factors associated with pleural plaques. Results Pleural plaques were observed in 5 cases (4.9%) and interstitial abnormalities consistent with asbestosis were observed in 1 case. After adjustment for age, smoking status, and a history of non-asbestos-related respiratory diseases, multiple logistic regression models showed a significant association between the duration of exposure to asbestos and pleural plaques. Conclusions The asbestos exposure experienced by automobile mechanics may lead to pleural plaques. The low prevalence of non-malignant asbestos-related diseases, using a very sensitive diagnostic tool, is in favor of a low cumulative exposure to asbestos in this population of workers. PMID:21965465

The construction of a Danish automobile culture

DEFF Research Database (Denmark)

Wagner, Michael

The aim of this article is to discuss the way the automobile was introduced and promoted as a vehicle for modern leisure life in Denmark 1900-1970., and to demonstrate how automobilism was constructed around an ideology of consumption for leisure and recreation....

Nitrosamines in new automobiles

Energy Technology Data Exchange (ETDEWEB)

Fine, D H; Reisch, J; Rounbehler, D P

1980-01-01

The volatile nitrosamines, N-nitrosodimethylamine (NDMA), N-nitrosomorpholine (NMOR), N-nitrosodiethylamine (NDEA) and possibly N-nitrosodibutylamine (NDBA) have been found to be present as airborne pollutants in the interiors of new (1979 model) automobiles. In the 38 automobiles tested, the levels ranged from 0.07 to 0.83 micrograms/m3 (average 0.3 micrograms/m3) for NDMA, from 0.07 to 2.5 micrograms/m3 (average 0.67 micrograms/m3) for NMOR, from 0.04 to 0.39 micrograms/m3 (average 0.11 micrograms/m3) for NDEA and trace levels (less than 0.01 micrograms/m3) for NDMA.

Automobile Starting and Lighting System Maintenance Training ...

African Journals Online (AJOL)

The purpose of this study is to develop automobile starting and lighting system maintenance training manual for technical college students. Research and Development (R and D) design was adopted for the study. The population of the study is 348, comprising of 76 auto-mechanics teachers, 36 automobile supervisors and ...

Analysis of national pay-as-you-drive insurance systems and other variable driving charges

Energy Technology Data Exchange (ETDEWEB)

Wenzel, T.

1995-07-01

Under Pay as You Drive insurance (PAYD), drivers would pay part of their automobile insurance premium as a per-gallon surcharge every time they filled their gas tank. By transfering a portion of the cost of owning a vehicle from a fixed cost to a variable cost, PAYD would discourage driving. PAYD has been proposed recently in California as a means of reforming how auto insurance is provided. PAYD proponents claim that, by forcing drivers to purchase at least part of their insurance every time they refuel their car, PAYD would reduce or eliminate the need for uninsured motorist coverage. Some versions of PAYD proposed in California have been combined with a no-fault insurance system, with the intention of further reducing premiums for the average driver. Other states have proposed PAYD systems that would base insurance premiums on annual miles driven. In this report we discuss some of the qualitative issues surrounding adoption of PAYD and other policies that would convert other fixed costs of driving (vehicle registration, safety/emission control system inspection, and driver license renewal) to variable costs. We examine the effects of these policies on two sets of objectives: objectives related to auto insurance reform, and those related to reducing fuel consumption, CO{sub 2} emissions, and vehicle miles traveled. We pay particular attention to the first objective, insurance reform, since this has generated the most interest in PAYD to date, at least at the state level.

Credit constraints, consumer leasing and the automobile replacement decision

OpenAIRE

Kathleen W. Johnson

1999-01-01

This paper presents a model of consumer automobile replacement in the presence of leasing. The model incorporates credit constraints to distinguish between the leasing and purchasing options. It demonstrates how leasing increases the probability that a household replaces its automobile and how households that lease choose higher quality automobiles. The qualitative choice model of the household's decision to lease provides support for the observation that households that lease face credit con...

History of automobiles; Jidosha no rekishi

Energy Technology Data Exchange (ETDEWEB)

Iguchi, M. [Japan Automobile Research Institute Inc., Tsukuba (Japan)

2000-01-01

Major automobile production regions moved every-time an innovational automotive technology was invented. When product technology, mass production technology and commercializing technology, product technology for medium and small cars, and lean production technology have emerged in the century, major production regions moved from West Europe to the U.S.,. to revived West Europe again, and Japan joined in the regions successively. A future problem is what technology will change the world distribution of automobile production regions. (author)

Automobile Club CERN

CERN Multimedia

Automobile Club CERN

2010-01-01

 L’Assemblée Générale Ordinaire de «L’Automobile Club du CERN» s’est tenue le mercredi 12 janvier 2010. Le Président, J. Pierlot, souhaite la bienvenue aux membres présents, annonce l’agenda et résume les activités et événements du club pour l’année 2009. Le Club compte environ 600 membres, une petite diminution par rapport aux précédentes années dû surtout aux départs anticipés à la retraite. La cotisation reste inchangée : 50 CHF. Notre trésorier, E. Squadrani, présente de façon détaillée la situation du compte d’exploitation pour 2009 ainsi que le bilan de l’Automobile Club. Les comptes sont équilibrés, la situation de la trés...

Globalization of the automobile industry: traditional locations under pressure?

OpenAIRE

Spatz, Julius; Nunnenkamp, Peter

2004-01-01

Even though the automobile industry is technologically advanced, the increasing integration of low-income countries into the global division of labor has put competitive pressure on traditional automobile producing countries. New end-producers emerged in Asia, Latin America as well as Southern and Central Europe. In addition, the automobile industries of Germany, Japan and the United States engaged in outsourcing of relatively labor intensive segments of the value chain, especially on a regio...

DESIGNING OF AN AUTOMOBILE FLEET NETWORK

Directory of Open Access Journals (Sweden)

R. B. Ivut

2016-01-01

Full Text Available Investment volume is considered as an important factor in regional development under current conditions. Logistical infrastructure which ensures a complex transport, distributive, information and other services exerts a significant influence on regional investment attractiveness. Lack of clear vision on development and execution of development strategy for logistics infrastructure from the side of regional authorities results in unwillingness of large federal and transnational companies to provide investments in infrastructure projects. Network of automotive transport terminals is one of the main elements in logistics infrastructure. The network allows to optimize a flow of material goods from the point of their origin to the point of their consumption with the lowest possible costs and the required level of service. Automobile transport is one of the main objects of transport infrastructure and it is characterized by rather high flexibility in comparison with other types of transport facilities that preconditions its widespread application. Network of automobile fleets (terminals has been formed for redistribution of goods traffic within the concerned regions. The purpose of the present research is to develop a mathematical model for formation of transport infrastructure on the territory of regions. The paper proposes an approach for formation of automobile fleet (terminal network on the territory of a large region with due account of the established network of distribution and sorting-out warehouse facilities. A model has been developed for solving the problem pertaining to minimization of aggregate costs related to maintenance of automobile fleets, delivery of goods to and from distribution and sorting-out warehouse facilities to consumers, ferry of empty trucks and goods handling. The model makes it possible to determine optimal number and location area of automobile fleets (terminals while accounting for their possible locations, capacity

Automobile technology in a CO{sub 2}-constrained world

Energy Technology Data Exchange (ETDEWEB)

Kypreos, S; Barreto Gomez, L; Dietrich, Ph [Paul Scherrer Inst. (PSI), Villigen (Switzerland); Schafer, A; Jacoby, H D [MIT, Cambridge (United States)

1999-08-01

This study identifies the environmental conditions under which less CO{sub 2}-emitting and more expensive automobile technology might enter the North American transportation sector. For that purpose, different exogenous CO{sub 2}-reduction targets are imposed and the resulting market shares of hypothetical future automobile technologies calculated. The criteria for the selection of different types of automobiles/fuels is the minimisation of discounted, cumulative transport sector costs over the scenario time horizon. (author) 1 tab., 6 refs.

Automobile Driver Fingerprinting

Directory of Open Access Journals (Sweden)

Enev Miro

2016-01-01

Full Text Available Today’s automobiles leverage powerful sensors and embedded computers to optimize efficiency, safety, and driver engagement. However the complexity of possible inferences using in-car sensor data is not well understood. While we do not know of attempts by automotive manufacturers or makers of after-market components (like insurance dongles to violate privacy, a key question we ask is: could they (or their collection and later accidental leaks of data violate a driver’s privacy? In the present study, we experimentally investigate the potential to identify individuals using sensor data snippets of their natural driving behavior. More specifically we record the in-vehicle sensor data on the controllerarea- network (CAN of a typical modern vehicle (popular 2009 sedan as each of 15 participants (a performed a series of maneuvers in an isolated parking lot, and (b drove the vehicle in traffic along a defined ~ 50 mile loop through the Seattle metropolitan area. We then split the data into training and testing sets, train an ensemble of classifiers, and evaluate identification accuracy of test data queries by looking at the highest voted candidate when considering all possible one-vs-one comparisons. Our results indicate that, at least among small sets, drivers are indeed distinguishable using only incar sensors. In particular, we find that it is possible to differentiate our 15 drivers with 100% accuracy when training with all of the available sensors using 90% of driving data from each person. Furthermore, it is possible to reach high identification rates using less than 8 minutes of training data. When more training data is available it is possible to reach very high identification using only a single sensor (e.g., the brake pedal. As an extension, we also demonstrate the feasibility of performing driver identification across multiple days of data collection

Environmental implications of the automobile

International Nuclear Information System (INIS)

1993-01-01

There are over 12 million automobiles in Canada, each travelling over 16,000 km annually. The value of motor vehicles and parts produced in Canada accounts for over 6% of the gross domestic product, and vehicle-related sales account for the largest proportion of Canadian retail activity. The environmental issues related to the high impact of the automobile on Canadian life are discussed. In the manufacture of motor vehicles, over 2 billion kg of metal are used a year; although much of this comes from recycled materials, some depletion of nonrenewable resources is required. It is also estimated that 66-105 GJ of energy are needed to produce a motor vehicle, equivalent to as much as 20% of all the energy consumed during the vehicle's lifetime. Environmental impacts result from this use of resources and energy, including land disturbances and air pollution. Land use impacts are also those related to appropriation of urban and rural land for roadway and service uses, plus pollution of adjoining lands by road runoff. In 1990, the transportation sector used 29% of end-use energy, of which retail gasoline sales for motor vehicles accounted for 54%. Environmental impacts from oil refining, fuel combustion, and waste disposal are described, and programs to mitigate these impacts are outlined. Significant reductions in automobile emissions have already occurred from the increased use of emission control devices, improved fuel efficiency, and stricter standards. Further improvements are possible via such means as better manufacturing procedures, increased recycling of automobile components, better inspection and maintenance, and use of alternative fuels and alternate transportation modes. 35 refs., 3 figs., 4 tabs

Automobile control technology and traffic control

Energy Technology Data Exchange (ETDEWEB)

Takaba, Sadao [Univ. of Tokyo (Japan)

1988-09-05

In the field of automobile control technology, electronic was first adopted for the electronic fuel control as an answer to the exhaust gas regulations. The operations of the driving system, frame system or the automobile itself which is the combination of the two were optimized by adding sensors, computers, actuators, etc. to alleviate the burden of the driver, offering easier drivability and confortableness. For local driving control, measurement of distance up to obstacle has been practiced using the ultrasonic radar sensor. Research and development of microwave radar sensor have been carried out for years. Automatic driving has been a dream technology, and the study for the technology was started since early times. Remarkable progress was made recently in the navigation system for traffic control in wide area. New automobile traffic information communication and other systems are being developed. Historical description is made on the control and information systems for road transportation, dividing the period into the 1st, 2nd and 3rd generations. 10 references.

Effects of automobile battery wastes on physicochemical properties ...

African Journals Online (AJOL)

Difference in soil qualities has been noticeable in many soils due to anthropogenic sources, especially of automobile battery wastes. This study examines the effects of automobile battery wastes on the physicochemical properties of the soil. Soil samples for this study were collected in triplicates from three battery chargers' ...

Environmental practices of the auxiliary companies to the Spanish automobile industry

Science.gov (United States)

González-Torre, Pilar L.; González, Beatriz A.; Gupta, Surendra M.

2005-11-01

The automobile manufacturing industry plays a very important role in a country's economy. The importance of automobile manufacturing industry lies in its sheer size and complexity in terms of the direct and indirect influence it commands across many other industries. While millions of people are employed in the automobile manufacturing industry, it is estimated that more than two and half times that number are employed in the auxiliary companies that supply parts to the automobile manufacturing companies. The auxiliary companies represent a group of businesses of various sizes, types, and geographical locations, producing a vast variety of products ranging from the very simple to the extremely intricate. In this study, the current environmental practices of management in the core Spanish auxiliary companies that do business with the automobile manufacturing industry (and thus form a large part of the automobile manufacturing industry's supply chain) are investigated. We show that while automobile manufacturing companies are under scrutiny to become more and more environmentally friendly, not only at their manufacturing stage but also at their products' useful and EOL stages, there appears to be no such burden on the auxiliary companies. Our conclusion is based on an elaborate survey conducted during the fall of 2004 of Spanish auxiliary companies with questions about the characteristics, environmental practices and reverse logistics related activities carried out by the companies.

A bivariate model for analyzing recurrent multi-type automobile failures

Science.gov (United States)

Sunethra, A. A.; Sooriyarachchi, M. R.

2017-09-01

The failure mechanism in an automobile can be defined as a system of multi-type recurrent failures where failures can occur due to various multi-type failure modes and these failures are repetitive such that more than one failure can occur from each failure mode. In analysing such automobile failures, both the time and type of the failure serve as response variables. However, these two response variables are highly correlated with each other since the timing of failures has an association with the mode of the failure. When there are more than one correlated response variables, the fitting of a multivariate model is more preferable than separate univariate models. Therefore, a bivariate model of time and type of failure becomes appealing for such automobile failure data. When there are multiple failure observations pertaining to a single automobile, such data cannot be treated as independent data because failure instances of a single automobile are correlated with each other while failures among different automobiles can be treated as independent. Therefore, this study proposes a bivariate model consisting time and type of failure as responses adjusted for correlated data. The proposed model was formulated following the approaches of shared parameter models and random effects models for joining the responses and for representing the correlated data respectively. The proposed model is applied to a sample of automobile failures with three types of failure modes and up to five failure recurrences. The parametric distributions that were suitable for the two responses of time to failure and type of failure were Weibull distribution and multinomial distribution respectively. The proposed bivariate model was programmed in SAS Procedure Proc NLMIXED by user programming appropriate likelihood functions. The performance of the bivariate model was compared with separate univariate models fitted for the two responses and it was identified that better performance is secured by

Automobile Tire Assessment: A Multi-Criteria Approach

Directory of Open Access Journals (Sweden)

Ateekh-Ur-Rehman

2017-02-01

Full Text Available In response to the present dynamic market, automobile manufacturing industries are constantly evaluating and improving their manufacturing strategies to stay competitive. It is also evident that they evaluate those strategies considering multiple criteria. In one such case, an automobile project manager has to ensure that the selected tire (among the available alternatives complies with the prospective automobile’s performance. This paper presents an approach for the assessment of alternative automobile tires taking into account multiple criteria, such as tire sustainability, tire road performance, environmental issues, tire purchase cost and tire road grip. The presented approach is quite helpful to any decision maker who is interested not only in ranking alternatives but also in establishing the superiority of an alternative over others. The approach also helps to specify the position of each alternative with respect to ideal solution. A case illustration is used to demonstrate an application of the approach.

Illustrating Newton's Second Law with the Automobile Coast-Down Test.

Science.gov (United States)

Bryan, Ronald A.; And Others

1988-01-01

Describes a run test of automobiles for applying Newton's second law of motion and the concept of power. Explains some automobile thought-experiments and provides the method and data of an actual coast-down test. (YP)

Comparison of disability duration of lumbar intervertebral disc disorders among types of insurance in Korea.

Science.gov (United States)

Lee, Choong Ryeol; Kim, Joon Youn; Hong, Young Seoub; Lim, Hyun Sul; Lee, Yong Hwan; Lee, Jong Tae; Moon, Jai Dong; Jeong, Baek Geun

2005-10-01

The incidence of work-related musculoskeletal disorder including low back pain sharply increased since 2000 in Korea. The objectives of the present study are to compare disability duration of lumbar intervertebral disc displacement among types of insurances, and to obtain its appropriate duration. The medical records of all patients whose final diagnosis in discharge summary of chart was lumber specified intervertebral disc displacement (LIVD) in 6 large general hospitals in Korea were reviewed to compare the length of admission and disability among different types of insurances. The information on age, gender, the length of admission, the length of follow-up for LIVD, occupation, operation, combined musculoskeletal diseases, and type of insurance was investigated. 552 cases were selected and analyzed to calculate arithmetic mean, median, mode, and geometric mean of disability duration. There was a significant difference in the length of admission and disability among types of insurance after controlling covariates such as age and combined diseases by the analysis of covariance. The length of admission in cases of IACI and AI was much longer than that of HI, and the length of disability in cases of IACI was much longer than that of HI. Prolonged duration of admission and disability was not assumed due to combined diseases, complication or other unexplainable personal factors in cases of those with industrial accidents compensation insurance and automobile insurance. This means that proper management of evidence-based disability duration guidelines is urgently needed in Korea.

Renewing Marketing Strategy in Kenyan Automobile Industry

OpenAIRE

Kalliokuusi, Miriam

2013-01-01

This thesis studies how to renew existing marketing strategies for case company; in so doing, the thesis fulfills its main objective. Company X, a market leader in the Kenyan automobile sector and has various well-known brands under their corporate umbrella. The automobile industry in Kenya has faced some hardship with steady decline in sales in the last couple of years and Mercedes-Benz as a brand suffered under the circumstances. One major cause of the drop in sales is due to the influx of ...

Technology development for meeting with automobiles negotiation

Energy Technology Data Exchange (ETDEWEB)

Chung, Yong Il [Korea Institute of Machinery and Materials, Seoul (Korea)

2000-06-01

The direction of technology development for meeting with automobiles negotiation is to establish a development and supply policy of automobile with the minimum mileage. Furthermore the development policy of diesel car should be promoted with the same level of gasoline engine emission and a new concept of developing clean diesel engine is needed to achieve this goal. Therefore a smoke-filtering device, developed in Korea, should be promoted for supplying and post-process technology development such as SCR and DeNox catalyzer should be promoted.

Proposal of laser-driven automobile

Science.gov (United States)

Yabe, Takashi; Oozono, Hirokazu; Taniguchi, Kazumoto; Ohkubo, Tomomasa; Miyazaki, Sho; Uchida, Shigeaki; Baasandash, Choijil

2004-09-01

We propose an automobile driven by piston motion, which is driven by water-laser coupling. The automobile can load a solar-pumped fiber laser or can be driven by ground-based lasers. The vehicle is much useful for the use in other planet in which usual combustion engine cannot be used. The piston is in a closed system and then the water will not be exhausted into vacuum. In the preliminary experiment, we succeeded to drive the cylindrical piston of 0.2g (6mm in diameter) on top of water placed inside the acrylic pipe of 8 mm in inner diameter and the laser is incident from the bottom and focused onto the upper part of water by the lens (f=8mm) attached to the bottom edge.

Design and simulation of 120 capacity automobile parking control ...

African Journals Online (AJOL)

Design and simulation of 120 capacity automobile parking control system using up/down decade counters. ... leave(s) the parking lot through the exit gate the counter counts down, and the DC motor circuitry drives the entry gate open to allow access for the same number of automobiles that leave(s) the parking lot.

Electric accessory drives in automobiles. Elektrische Hilfsantriebe in Kraftfahrzeugen

Energy Technology Data Exchange (ETDEWEB)

1981-01-01

Ten lectures were presented on the conference ''Electric accessory drives in automobiles'' subjects: - Survey on electric accessory drives in automobiles; cooperation of generator, battery and starter; technical solution of accessory drives, considerations on a system; comparison of various solutions for drives by viewing the example of a headlight vertical aim control; wiper motors and their control; blowers for heating, ventilation and air conditioning in automobiles; criteria for dimensioning of blower motors; drives in heating and air-conditioning applicances; permanent magnets for engine excitation; systematic quality assurance of electric accessory drives from car-development to serial production. Numerous illustrations and formulas are supplied which illustrate and explain the lectures. Each lecture is abstracted individually.

Energy autonomous sensors in the automobile; Energieautarke Sensorik im Automobil

Energy Technology Data Exchange (ETDEWEB)

Kuehne, Ingo [Hochschule Heilbronn (Germany). Studiengang Energieoekologie; Schreiter, Matthias [Siemens AG, Muenchen (Germany); Li, Xiaoming [Daimler AG, Sindelfingen (Germany); Hehn, Thorsten [Hahn-Schickard-Gesellschaft fuer angewandte Forschung e.V., Freiburg (Germany). HSG-IMIT, Inst. fuer Mikro- und Informationstechnik; Thewes, Marcell; Scholl, Gerd [Helmut-Schmidt-Univ., Univ. der Bundeswehr, Hamburg (Germany); Wagner, Dieter [Continental Automotive GmbH, Regensburg (Germany); Manoli, Yiannos [Univ. Freiburg (Germany). IMTEK; Frey, Alexander [Hochschule Augsburg (Germany). Fakultaet Elektrotechnik

2013-04-01

A brief outline of energy autonomous sensors in the automobile is given. For this purpose the variety of sensors in today's automotive vehicles is reported. The rationale for the deployment of energy autonomous sensors is given. In addition the potential of using environmental energy and the possibilities of their energy conversion are presented. As part of the funded project ASYMOF, two pioneer applications - a tire pressure monitoring and an anti-theft alarm system - are studied and discussed.

Pulmonary function in automobile repair workers

Directory of Open Access Journals (Sweden)

Chattopadhyay O

2007-01-01

Full Text Available Background : Automobile repair shop is a place where workers are exposed to harmful chemicals and toxic substances. Objective : To study the occurrence of obstructive and restrictive pulmonary impairment among automobile garage workers. Methods : A cross sectional study involving 151 automobile garage workers from 14 randomly selected garages of urban Kolkata. The study variables were Forced Expiratory Volume in 1 second (FEV 1 , Forced Vital Capacity (FVC, Peak Expiratory Flow Rate (PE FR, age, smoking habit, duration of work, type of work, and respiratory symptoms. The study was analysed using Regression equations, and Chi-square test. Results : All the workers were male. Obstructive impairment was seen in 25.83% of the workers whereas restrictive impairment was seen in 21.19% of the workers. Mixed obstructive and restrictive impairment was seen in 10.6% of the workers. The frequency of obstructive impairment was higher in older workers. In the age group of less than 20 years, 13.6% of the workers had obstructive impairment while 42.86% of workers above 40 years of age had obstructive impairment. Obstructive impairment was more frequently observed in battery repair workers (58.33% and spray painters (37.5% while 16.67% of the body repair workers and 30.19% of the engine mechanics had obstructive impairment. Obstructive impairment was more frequently observed in smokers (53.1 % as compared to ex-smokers (33.3% and non-smokers (6.4%. Obstructive impairment was more frequently observed in workers who had been working for a longer duration. Conclusion: Nearly 36.4% of the automobile garage workers had some form of pulmonary function impairment; obstructive and/or restrictive. The use of personal protective equipment, worker education, and discontinuation of the use of paints containing toxic pigments are recommended.

Corrosion protection and finishing of automobiles

International Nuclear Information System (INIS)

Sheikh, S.T.

2005-01-01

finishing of automobiles is an important aspect. There have been considerable reductions of weight in automobiles by the use of composites components replacing heavy metallic components. Fenders previously based on metal have been replaced with plastic and painted with the same colour shade as of the metallic body, this has eps for proper adhesion of the paints on the plastic fender to avoid chipping off the paint form it. This paper discusses the necessary processes required for finishing of an automobile along with the corrosion protection measures. Automobiles contains a variety of engineering materials, engine main body fuel tanks connecting rods heat radiators and other mechanical parts are made from different types of engineering alloys having varying chemical compositions. Other parts like dashboard, front panel and other are made from composites. The main body made from cold roll ed steel having various contours 'c' it due to the different designs is the potential site for corrosion attack, The main body is exposed to the hostile environment through out its life period. An automobile is given a particular finish with a view to counter the hostile environments as they are not limited for plying in a limiting conditions and are taken to different weather conditions in one day thus facing severe stresses and strain. Thus it is essential that an automobile before rolling 'out of the assembly line should properly corrosion resistant and aesthetically pleasant also. Finishing for automobiles being very specialized, the main requirement being maximum durability with minimum numbers of coats baked, at the fastest possible schedule. High gloss and range of good eye catching colours being important to increase sales appeal. In the near past the car finishes were based on alkyd-amino resins baking materials and force drying lacquers, which have excellent appearance originally and maintain it on aging. The finishing system for the synthetic baking type may consist of

Automobile characteristics historical data base

Science.gov (United States)

1977-08-01

A collection of data concerning the physical, operating, and performance characteristics of automobiles for the model years 1955, 1960, 1965, 1968, and 1970 to 1974. Data is to be added to the data base already established by DOT/TSC, for the 1975 mo...

Technological trends in automobiles.

Science.gov (United States)

Horton, E J; Compton, W D

1984-08-10

Current technological trends in the automotive industry reflect many diverse disciplines. Electronics and microprocessors, new engine transmission concepts, composite and ceramic materials, and computer-aided design and manufacture will combine to make possible the creation of advanced automobiles offering outstanding quality, fuel economy, and performance. A projected "average" vehicle of the 1990's is described to illustrate the application of these new concepts.

The Antecedents of Automobile Brand Loyalty: Evidence from Malaysian

OpenAIRE

Mabkhot, Hashed Ahmed; Salleh, Salniza MD; Shaari, Hasnizam

2016-01-01

This study empirically examined the mediating effect of brand satisfaction on the relationship between brand image and brand loyalty among Malaysian customer toward local automobile brands. Four hypotheses were developed to test hypothesizing relationships among brand image, brand satisfaction on brand loyalty. Data collected from customers of automobile brands in north Malaysia peninsula from three states which were Kedah, Penang, and Perlis. This study applies partial least squares to a sam...

Reducing automobile traffic: an urgent policy for health promotion

Directory of Open Access Journals (Sweden)

Tapia Granados José A.

1998-01-01

Full Text Available In recent decades traffic injuries have become a leading cause of death and disability the world over. In congested urban areas, the noise and emissions from vehicle engines cause discomfort and disease. More than one billion people are exposed daily to harmful levels of atmospheric contamination. Because internal combustion generates carbon dioxide (CO2 , the automobile is a principal contributor to the greenhouse effect, which has significantly raised the temperature of the atmosphere. Scientists anticipate that in coming decades the greenhouse effect will produce alterations in climate that are very likely to be harmful and possibly catastrophic. Meanwhile, burgeoning traffic and rural and urban highway infrastructures are already among the principal causes of environmental degradation. Urban development, because it is nearly always "planned" to accommodate automobiles rather than people, reduces the quality of life and tears the social fabric. In contrast to private automobiles, public transportation, bicycles, and walking produce little environmental contamination or injury-related morbidity and mortality. These modes of transport involve more physical activity, with its positive health effects, and avoid contributing to the greenhouse effect. The reduction of automobile traffic and substitution of alternative modes of transport are essential policies for health promotion. They should be incorporated in "healthy cities" programs and general economic policies.

Intelligent solar-powered automobile-ventilation system

International Nuclear Information System (INIS)

Huang, K. David; Tzeng, S.-C.; Ma Weiping; Wu Mingfung

2005-01-01

This study adopts airflow management technology to improve the local temperature distributions in an automobile to counteract the greenhouse effect. The automobile's temperature can be reduced to almost the outside temperature before the driver or passenger gets into the vehicle. When the engine is idling, the greenhouse-control system can be activated to remove the hot air from the car. An appropriate negative pressure is maintained to prevent stuffiness and save energy. The greenhouse-control system requires electrical power when the engine is idle, and a battery cannot supply sufficient power. An auxiliary solar-power supply can save energy and reduce the greenhouse effect of sunlight, while creating a comfortable traveling environment. It ensures that the engine is not overburdened and increases its service life, conserving energy, protecting the environment and improving comfort

Empirical Analysis of Green Supply Chain Management Practices in Indian Automobile Industry

Science.gov (United States)

Luthra, S.; Garg, D.; Haleem, A.

2014-04-01

Environmental sustainability and green environmental issues have an increasing popularity among researchers and supply chain practitioners. An attempt has been made to identify and empirically analyze green supply chain management (GSCM) practices in Indian automobile industry. Six main GSCM practices (having 37 sub practices) and four expected performance outcomes (having 16 performances) have been identified by implementing GSCM practices from literature review. Questionnaire based survey has been made to validate these practices and performance outcomes. 123 complete questionnaires were collected from Indian automobile organizations and used for empirical analysis of GSCM practices in Indian automobile industry. Descriptive statistics have been used to know current implementation status of GSCM practices in Indian automobile industry and multiple regression analysis has been carried out to know the impact on expected organizational performance outcomes by current GSCM practices adopted by Indian automobile industry. The results of study suggested that environmental, economic, social and operational performances improve with the implementation of GSCM practices. This paper may play an important role to understand various GSCM implementation issues and help practicing managers to improve their performances in the supply chain.

Environmental change and hedonic cost functions for automobiles.

Science.gov (United States)

Berry, S; Kortum, S; Pakes, A

1996-11-12

This paper focuses on how changes in the economic and regulatory environment have affected production costs and product characteristics in the automobile industry. We estimate "hedonic cost functions" that relate product-level costs to their characteristics. Then we examine how this cost surface has changed over time and how these changes relate to changes in gas prices and in emission standard regulations. We also briefly consider the related questions of how changes in automobile characteristics, and in the rate of patenting, are related to regulations and gas prices.

Environmental change and hedonic cost functions for automobiles

Science.gov (United States)

Berry, Steven; Kortum, Samuel; Pakes, Ariel

1996-01-01

This paper focuses on how changes in the economic and regulatory environment have affected production costs and product characteristics in the automobile industry. We estimate “hedonic cost functions” that relate product-level costs to their characteristics. Then we examine how this cost surface has changed over time and how these changes relate to changes in gas prices and in emission standard regulations. We also briefly consider the related questions of how changes in automobile characteristics, and in the rate of patenting, are related to regulations and gas prices. PMID:8917486

Mind the Gap: The Vicious Circle of Measuring Automobile Fuel Use

DEFF Research Database (Denmark)

Figueroa, Maria; author), L. Schipper (main; Price, L.

1993-01-01

We review the circularity between estimates of automobile use, fuel consumption and fuel intensity. We find that major gaps exist between estimates of road gasoline, the quantity most often used to represent automobile fuel use in economic studies of transport fuel use, and the actual sales data...

Production of spheroidal graphite cast iron (S. G. Iron) for an automobile brake drum

International Nuclear Information System (INIS)

Butt, M.T.Z.; Aziz, S.

2005-01-01

The role of automobile industry for any country has a great importance. Break drum is one of the essential parts of automobile car and its local casting is required in order to achieve the target for automobile industry because it has special significance. Break drum being the important constituent of the system of an automobile requires a great degree of accuracy and reliability. S. G. Iron is preferred because of its mechanical properties i.e., higher strength modulus, impact resistance and ductility along with excellent machinability and manufacturing ease. (author)

Essays on Competition and Innovations in the Automobile Markets

OpenAIRE

Leheyda, Nina

2007-01-01

The central focus of my dissertation has been on the investigation of developments towards more competitive and innovative firm behaviour in the global automobile markets. The automobile companies meet each other in many product and geographical markets worldwide. A large proportion of their production is outside of their "home" country. In my work I focus on international most important car markets, namely US, European and German as the most important single European car market and a very in...

The insurance and risk management industries: new players in the delivery of energy-efficient and renewable energy products and services

International Nuclear Information System (INIS)

Mills, Evan

2003-01-01

The insurance and risk management industries are typically considered to have little interest in energy issues, other than those associated with large energy supply systems. The historical involvement of these industries in the development and deployment of familiar loss-prevention technologies such as automobile air bags, fire prevention/suppression systems, and anti-theft devices, evidences a tradition of mediating and facilitating the use of technology to improve safety and otherwise reduce the likelihood of losses. Through an examination of the connection between risk management and energy technology, we have identified nearly 80 examples of energy-efficient and renewable energy technologies that offer loss-prevention benefits (such as improved fire safety). This article presents the business case for insurer involvement in the sustainable energy sector and documents early case studies of insurer efforts along these lines. We have mapped these opportunities onto the appropriate market segments (life, health, property, liability, business interruption, etc.). We review steps taken by 53 forward-looking insurers and reinsurers, 5 brokers, 7 insurance organizations, and 13 non-insurance organizations. We group the approaches into the categories of: information, education, and demonstration; financial incentives; specialized policies and insurance products; direct investment; customer services and inspections; codes, standards, and policies; research and development; in-house energy management; and an emerging concept informally known as 'carbon insurance'. While most companies have made only a modest effort to position themselves in the 'green' marketplace, a few have comprehensive environmental programs that include energy efficiency and renewable energy activities

Atmospheric pollution coming from automobiles and public health

International Nuclear Information System (INIS)

Chiron, M.; Quenel, Ph.; Zmirou, D.

1997-01-01

The air pollution coming from automobile is responsible of different diseases in respiratory or cardiovascular system. epidemiological studies in professional or general media give information in term of public health. If the role of air pollution from automobile at short terms is well established, for effects at long term (such cancers or chronic diseases of respiratory system) the measurement or estimation of the exposure is not sufficient for the moment and makes the epidemiology unable to quantify effects. In spite of these lacks, it is important to reduce the risk for the most fragile people. (N.C.)

RISK CORRIDORS AND REINSURANCE IN HEALTH INSURANCE MARKETPLACES: Insurance for Insurers

OpenAIRE

LAYTON, TIMOTHY J.; MCGUIRE, THOMAS G.; SINAIKO, ANNA D.

2016-01-01

In order to encourage entry and lower prices, most regulated markets for health insurance include policies that seek to reduce the uncertainty faced by insurers. In addition to risk adjustment of premiums paid to plans, the Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribut...

Substance flow analysis and environmental releases of PBDEs in life cycle of automobiles.

Science.gov (United States)

Choi, Jonghyun; Jang, Yong-Chul; Kim, Jong-Guk

2017-01-01

Polybrominated diphenyl ethers (PBDEs), a class of brominated flame retardants, have been widely used in many applications in industry such as automobiles, textiles, and electronics. This study focused on a quantitative substance flow analysis (SFA) of PBDEs in automobiles in order to identify their flow by life cycle and treatment pathways of PBDEs-containing materials in end-of-life vehicles (ELVs) in Korea. In addition, this study has estimated environmental releases of PBDEs in automobiles by life cycle in Korea. During this study, PBDEs were analyzed for the samples collected from several ELVs treatment facilities using X-ray fluorescence and gas chromatography/mass spectrometry (GC/MS) methods. The system boundary for SFA of PBDEs ranged from manufacturing/trade to disposal stage of automobiles by life cycle. Based on the result of the SFA, it was found that the amount of PBDEs in automobiles were the highest in use stage (7748ton/year), followed by production stage (1743ton/year) in 2014. In disposal stage, automobile shredded residues (ASR) and seat fabrics were the main components with relatively high levels of PBDEs in ELVs. The major treatment methods of such components included incineration (84%), energy recovery (9%), and landfilling (6%). This research indicates that PBDEs were emitted the highest amount from interior components during the use stage of automobiles, followed by recycling processes such as dismantling and shredding. This study suggests that PBDEs in ASR and seat fabrics should be properly managed to prevent the widespread dispersion in the environment. Copyright © 2016 Elsevier B.V. All rights reserved.

Integrated study for automobile wastes management and ...

African Journals Online (AJOL)

Administrator

Key words: Soil contamination, storm water treatment, emission testing, EPR, heavy metals. INTRODUCTION .... fractionation in soil profiles at automobile mechanic waste ...... The phyto-remediation technique modifies plants to take.

Crop insurance: Risks and models of insurance

Directory of Open Access Journals (Sweden)

Čolović Vladimir

2014-01-01

Full Text Available The issue of crop protection is very important because of a variety of risks that could cause difficult consequences. One type of risk protection is insurance. The author in the paper states various models of insurance in some EU countries and the systems of subsidizing of insurance premiums by state. The author also gives a picture of crop insurance in the U.S., noting that in this country pays great attention to this matter. As for crop insurance in Serbia, it is not at a high level. The main problem with crop insurance is not only the risks but also the way of protection through insurance. The basic question that arises not only in the EU is the question is who will insure and protect crops. There are three possibilities: insurance companies under state control, insurance companies that are public-private partnerships or private insurance companies on a purely commercial basis.

Insurance against climate change and flood risk: Insurability and decision processes of insurers

Science.gov (United States)

Hung, Hung-Chih; Hung, Jia-Yi

2016-04-01

1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability

STRATEGIC ENTREPRENEURSHIP: A CASE IN THE BRAZILIAN AUTOMOBILE INDUSTRY

Directory of Open Access Journals (Sweden)

Afonso Carneiro Lima

2010-07-01

Full Text Available This work addresses an entrepreneurial phenomenon of strategic administration within the automobile industry: the creation of the automaker Troller Veículos Especiais (TVE. The case study at hand is justified by the positioning of this company around two market niches and its relative success in an industry characterized by few and powerful players. Our aim was to analyze the entrepreneurial and strategic process of discovering opportunity, the analysis used for internal and external factors, and the adoption of its strategic positioning in exploring two automobile market niches: in the B2B market, vehicles adapted to specific operational functions; and in the B2C, off-road vehicles with a strong appeal to consumers’ life styles. This case study allowed us to visualize the challenging path of a genuinely Brazilian small company in a sector dominated by large multinational groups, besides demonstrating decision-related dilemmas and aspects related to managerial creativity.Key-words: Automobile industry. Case study. Strategic entrepreneurship. Discovery theory. Strategic positioning.

Chinese nuclear insurance and Chinese nuclear insurance pool

International Nuclear Information System (INIS)

Gong Zhiqi

2000-01-01

Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article

Chery Automobile: Chinese Firms catching up

NARCIS (Netherlands)

Y. Zhang (Ying); S.Y. Yang (Sheng Yun)

2015-01-01

textabstractChery Automobile is a top Chinese car exporter. Due to the global financial crisis, intense competition, and fast technological change, Chery has seen decreasing sales domestically and diminishing opportunities abroad. The carmaker needs to figure out the next stage of strategic

Hinderniserkennung und -verfolgung mit einer PMD-kamera im automobil

Science.gov (United States)

Schamm, Thomas; Vacek, Stefan; Natroshvilli, Koba; Marius Zöllner, J.; Dillmann, Rüdiger

Die Detektion von Hindernissen vor dem Automobil ist eine Hauptanforderung an moderne Fahrerassistenzsysteme (FAS). In dieser Arbeit wird ein System vorgestellt, das mit Hilfe einer PMDKamera (Photomischdetektor) Hindernisse auf der Fahrspur erkennt und deren relevante Parameter bestimmt. Durch die PMD-Kamera werden zunächst 3D-Tiefenbilder der Fahrzeugumwelt generiert. Nach einem initialen Filterprozess werden im Tiefenbild mit Hilfe eines Bereichswachstumsverfahrens Hindernisse gesucht. Zur Stabilisierung des Verfahrens und zur Parameterberechnung wird ein Kaiman Filter eingesetzt. Das Ergebnis ist eine Liste aller Hindernisse im Fahrbereich des Automobils.

Use of powered electric vehicles in automobile fleets. Help elements for decision; Utilisation de vehicules electriques dans les flottes automobiles. Elements d`aide a la decision

Energy Technology Data Exchange (ETDEWEB)

NONE

1996-11-01

One of the primary causes of degradation in the quality of urban life is automobile transportation. The introduction of electric vehicles within automobile fleets can help mitigate some of the associated impacts. This guide has assembled a set of technical tools vital to all fleet managers, whether they be with public-sector agencies or companies, who are involved in vehicle-purchasing decisions. It deals with the specific issues related to the use, maintenance and acquisition of electric vehicles. Besides those elements intended to convince both decision-makers and users alike, the automobile fleet manager will find herein, as a conclusion, some examples of comparative economic assessments. These serve to highlight the opportunities available for using electric vehicles in a wide variety of situations. (authors) 18 refs.

Design of a TFT-LCD Based Digital Automobile Instrument

Directory of Open Access Journals (Sweden)

Yunsong Xu

2014-01-01

instrument and gives an introduction to the sampling circuits and interfaces related to these signals. Following this is the functional categorizing of the circuit modules, such as video buffer circuit, CAN bus interface circuit, and TFT-LCD drive circuit. Additionally, the external EEPROM stores information of the vehicle for history data query, and the external FLASH enables the display of high quality figures. On the whole, the accomplished automobile instrument meets the requirements of automobile instrument markets with its characters of low cost, favorable compatibility, friendly interfaces, and easy upgrading.

Application of Wireless Sensor Networks to Automobiles

Science.gov (United States)

Tavares, Jorge; Velez, Fernando J.; Ferro, João M.

2008-01-01

Some applications of Wireless Sensor Networks (WSNs) to the automobile are identified, and the use of Crossbow MICAz motes operating at 2.4 GHz is considered together with TinyOS support. These WSNs are conceived in order to measure, process and supply to the user diverse types of information during an automobile journey. Examples are acceleration and fuel consumption, identification of incorrect tire pressure, verification of illumination, and evaluation of the vital signals of the driver. A brief survey on WSNs concepts is presented, as well as the way the wireless sensor network itself was developed. Calibration curves were produced which allowed for obtaining luminous intensity and temperature values in the appropriate units. Aspects of the definition of the architecture and the choice/implementation of the protocols are identified. Security aspects are also addressed.

Divorce your car: ending the love affair with the automobile

Energy Technology Data Exchange (ETDEWEB)

Alvord, K.

2000-07-01

This book is a guide for people wishing to liberate themselves from their addiction to cars and the automobile culture. It is a repository of examples and actions that individuals and communities can take to reduce dependence on the automobile. The range of possibilities run from using cars less to not owning one at all. The book provides a humorous yet clear-headed approach to a greener world and maps out the road to how people can live happily ever after by breaking free of 'auto-cracy', without insisting on people in car-dependent countries quit their automotive addiction instantly. Nevertheless, it clearly articulates the connection between automobiles, their arteries (i.e. highways) and effluents (i.e. greenhouse gases and particulate emissions), and the increasing number and severity of natural disasters between the urban renewal and freeway construction that, in the author's view, helped ignite the riots in Watts, Newark and Detroit. The disastrous societal and geophysical effects of the automobile are demonstrated in great abundance, and the mountain of evidence of the systematic abuse of the planet that the book provides is a stunning refutation of the notion that technology is neutral. The automobile is accused of being not only the linchpin of Western and primarily American industrialism and resource extraction, it is also accused of being the chief suspect in a century-long theft of time, conviviality and beauty. How to bring about a change in people's love affair with their cars is difficult to comprehend but this author has a multitude of useful suggestions which seem to suggest that it is possible. There is a list of 104 'selected references' and an extensive list of 'other resources'.

Globalization of the automobile industry in China: dynamics and barriers in greening of the road transportation

Energy Technology Data Exchange (ETDEWEB)

Lin Gan [Center for International Climate and Environmental Research, Oslo (Norway)

2003-05-01

This article describes the state of the automobile industry and urban road transportation management in China. It reviews how the automobile industry is evolving to respond to challenges in economic development, environmental regulations, and technological change. The dynamics and barriers resulting from technological change of automobiles in response to reduction of exhaust emissions and energy-efficiency improvement are analysed. It is argued that consideration of externality costs should be integrated in automobile industrial policymaking and transportation management. Efforts need to be made to use more economic incentives for emissions reduction, and to promote technological change for cleaner vehicle development. This paper questions the current government policy of encouraging private car ownership, and suggests that improvement in public transportation systems, stronger emissions control, and technology innovation on environmental friendly automobile technologies would be relevant to China's drive toward sustainable transportation development. Social inequities resulted from automobile use is also stressed in the analysis. (author)

Globalization of the automobile industry in China: dynamics and barriers in greening of the road transportation

Energy Technology Data Exchange (ETDEWEB)

Gan Lin E-mail: lin.gan@cicero.uio.no

2003-05-01

This article describes the state of the automobile industry and urban road transportation management in China. It reviews how the automobile industry is evolving to respond to challenges in economic development, environmental regulations, and technological change. The dynamics and barriers resulting from technological change of automobiles in response to reduction of exhaust emissions and energy-efficiency improvement are analyzed. It is argued that consideration of externality costs should be integrated in automobile industrial policymaking and transportation management. Efforts need to be made to use more economic incentives for emissions reduction, and to promote technological change for cleaner vehicle development. This paper questions the current government policy of encouraging private car ownership, and suggests that improvement in public transportation systems, stronger emissions control, and technology innovation on environmental friendly automobile technologies would be relevant to China's drive toward sustainable transportation development. Social inequities resulted from automobile use is also stressed in the analysis.

Globalization of the automobile industry in China: dynamics and barriers in greening of the road transportation

International Nuclear Information System (INIS)

Gan Lin

2003-01-01

This article describes the state of the automobile industry and urban road transportation management in China. It reviews how the automobile industry is evolving to respond to challenges in economic development, environmental regulations, and technological change. The dynamics and barriers resulting from technological change of automobiles in response to reduction of exhaust emissions and energy-efficiency improvement are analyzed. It is argued that consideration of externality costs should be integrated in automobile industrial policymaking and transportation management. Efforts need to be made to use more economic incentives for emissions reduction, and to promote technological change for cleaner vehicle development. This paper questions the current government policy of encouraging private car ownership, and suggests that improvement in public transportation systems, stronger emissions control, and technology innovation on environmental friendly automobile technologies would be relevant to China's drive toward sustainable transportation development. Social inequities resulted from automobile use is also stressed in the analysis

The inspection of components by X ray in real time in automobile industry

International Nuclear Information System (INIS)

Demandt, K.

1987-01-01

Besides a brief introduction to the state of the art of automobile components inspection by radiography in real time, some examples are discussed. New developments and a possible application for automobile components inspection by x-radiation are discussed. (E.G.) [pt

The effect of airline deregulation on automobile fatalities.

Science.gov (United States)

Bylow, L F; Savage, I

1991-10-01

This paper attempts to quantify the effects of airline deregulation in the United States on intercity automobile travel and consequently on the number of highway fatalities. A demand model is constructed for auto travel, which includes variables representing the price and availability of air service. A reduced form model of the airline market is then estimated. Finding that deregulation has decreased airfares and increased flights, it is estimated that auto travel has been reduced by 2.2% per year on average. Given assumptions on the characteristics of drivers switching modes and the types of roads they drove on, the number of automobile fatalities averted since 1978 is estimated to be in the range 200-300 per year.

Automotive History and Development of the Automobile; Automotive Mechanics I: 9043.01.

Science.gov (United States)

Dade County Public Schools, Miami, FL.

The automotive history and development of the automobile course is designed to familiarize the beginning student with basic concepts common to the automobile history and general information that is required for successful advancement in the automotive mechanics field. A course outline is provided and seven pages of post-tests are included in the…

Development of automobile distribution networks on the basis of multi-criteria evaluation of distribution channels

Directory of Open Access Journals (Sweden)

A. Vasilis Vasiliauskas

2010-12-01

Full Text Available .The days when a buyer was forced to choose from what is being offered have passed. These days, buyers demand a product that would answer their exclusive expectations at a time of their preference and at an acceptable price. Therefore, manufacturers aiming to survive the competition battle have to rethink their operation strategies. Special importance is attached to the process of development and reconstruction of supply chains, and the process which may feature particularities, depending on the branch of industry. Automobile manufacturing is the biggest the fastest industry developing across the globe. New automobiles are listed as luxury commodities and are, therefore, subjected to very strict requirements with regard to various logistic operations and technologies, which are vital for ensuring efficient automobile delivery to the final users. Due to the growing demand for brand-new automobiles and the distance to the user, automobile manufacturers are constantly searching for solutions to the development and support of an efficient distribution network. Strategy shaping of distribution network requires evaluation of a number of criteria, which influence the distribution system. The article analyzes the development of automobile distribution networks on the basis of multi-criteria evaluation of distribution channels.

Analysis of CO2, CO and HC emission reduction in automobiles

Science.gov (United States)

Balan, K. N.; Valarmathi, T. N.; Reddy, Mannem Soma Harish; Aravinda Reddy, Gireddy; Sai Srinivas, Jammalamadaka K. M. K.; Vasan

2017-05-01

In the present scenario, the emission from automobiles is becoming a serious problem to the environment. Automobiles, thermal power stations and Industries majorly constitute to the emission of CO2, CO and HC. Though the CO2 available in the atmosphere will be captured by oceans, grasslands; they are not enough to control CO2 present in the atmosphere completely. Also advances in engine and vehicle technology continuously to reduce the emission from engine exhaust are not sufficient to reduce the HC and CO emission. This work concentrates on design, fabrication and analysis to reduce CO2, CO and HC emission from exhaust of automobiles by using molecular sieve 5A of 1.5mm. In this paper, the details of the fabrication, results and discussion about the process are discussed.

Environmental implications of alternative-fueled automobiles: Air quality and greenhouse gas tradeoffs

International Nuclear Information System (INIS)

MaClean, H.L.; Lave, L.B.

2000-01-01

The authors analyze alternative fuel-powerstrain options for internal combustion engine automobiles. Fuel/engine efficiency, energy use, pollutant discharges, and greenhouse gas emissions are estimated for spark and compression ignited, direct injected (DI), and indirect injected (II) engines fueled by conventional and reformulated gasoline, reformulated diesel, compressed natural gas (CNG), and alcohols. Since comparisons of fuels and technologies in dissimilar vehicles are misleading, the authors hold emissions level, range, vehicle size class, and style constant. At present, CNG vehicles have the best exhaust emissions performance while DI diesels have the worst. Compared to a conventional gasoline fueled II automobile, greenhouse gases could be reduced by 40% by a DI CNG automobile and by 25% by a DI diesel. Gasoline- and diesel-fueled automobiles are able to attain long ranges with little weight or fuel economy penalty. CNG vehicles have the highest penalty for increasing range, due to their heavy fuel storage systems, but are the most attractive for a 160-km range. DI engines, particularly diesels, may not be able to meet strict emissions standards, at least not without lowering efficiency

Interior Noise Prediction of the Automobile Based on Hybrid FE-SEA Method

Directory of Open Access Journals (Sweden)

S. M. Chen

2011-01-01

created using hybrid FE-SEA method. The modal density was calculated using analytical method and finite element method; the damping loss factors of the structural and acoustic cavity subsystems were also calculated with analytical method; the coupling loss factors between structure and structure, structure and acoustic cavity were both calculated. Four different kinds of excitations including road excitations, engine mount excitations, sound radiation excitations of the engine, and wind excitations are exerted on the body of automobile when the automobile is running on the road. All the excitations were calculated using virtual prototype technology, computational fluid dynamics (CFD, and experiments realized in the design and development stage. The interior noise of the automobile was predicted and verified at speed of 120 km/h. The predicted and tested overall SPLs of the interior noise were 73.79 and 74.44 dB(A respectively. The comparison results also show that the prediction precision is satisfied, and the effectiveness and reliability of the hybrid FE-SEA model of the automobile is verified.

Topology Explains Why Automobile Sunshades Fold Oddly

Science.gov (United States)

Feist, Curtis; Naimi, Ramin

2009-01-01

Automobile sunshades always fold into an "odd" number of loops. The explanation why involves elementary topology (braid theory and linking number, both explained in detail here with definitions and examples), and an elementary fact from algebra about symmetric group.

Design of Automobile Driveshaft using Carbon/Epoxy and Kevlar/Epoxy Composites

OpenAIRE

R. Srinivasa Moorthy

2013-01-01

Use of advanced composites has resulted in remarkable achievements in many fields including aviation, marine and automobile engineering, medicine, prosthetics and sports, in terms of improved fatigue and corrosion resistances, high specific strength and specific modulus and reduction in energy requirements owing to reduction in weight. The aim of this work is to replace the conventional steel driveshaft of automobiles with an appropriate composite driveshaft. The conventional driveshafts ar...

24 CFR 266.602 - Mortgage insurance premium: Insured advances.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...

Evaluation of malodor for automobile air conditioner evaporator by using laboratory-scale test cooling bench.

Science.gov (United States)

Kim, Kyung Hwan; Kim, Sun Hwa; Jung, Young Rim; Kim, Man Goo

2008-09-12

As one of the measures to improve the environment in an automobile, malodor caused by the automobile air-conditioning system evaporator was evaluated and analyzed using laboratory-scale test cooling bench. The odor was simulated with an evaporator test cooling bench equipped with an airflow controller, air temperature and relative humidity controller. To simulate the same odor characteristics that occur from automobiles, one previously used automobile air conditioner evaporator associated with unpleasant odors was selected. The odor was evaluated by trained panels and collected with aluminum polyester bags. Collected samples were analyzed by thermal desorption into a cryotrap and subsequent gas chromatographic separation, followed by simultaneous olfactometry, flame ionization detector and identified by atomic emission detection and mass spectrometry. Compounds such as alcohols, aldehydes, and organic acids were identified as responsible odor-active compounds. Gas chromatography/flame ionization detection/olfactometry combined sensory method with instrumental analysis was very effective as an odor evaluation method in an automobile air-conditioning system evaporator.

Data-Driven Neural Network Model for Robust Reconstruction of Automobile Casting

Science.gov (United States)

Lin, Jinhua; Wang, Yanjie; Li, Xin; Wang, Lu

2017-09-01

In computer vision system, it is a challenging task to robustly reconstruct complex 3D geometries of automobile castings. However, 3D scanning data is usually interfered by noises, the scanning resolution is low, these effects normally lead to incomplete matching and drift phenomenon. In order to solve these problems, a data-driven local geometric learning model is proposed to achieve robust reconstruction of automobile casting. In order to relieve the interference of sensor noise and to be compatible with incomplete scanning data, a 3D convolution neural network is established to match the local geometric features of automobile casting. The proposed neural network combines the geometric feature representation with the correlation metric function to robustly match the local correspondence. We use the truncated distance field(TDF) around the key point to represent the 3D surface of casting geometry, so that the model can be directly embedded into the 3D space to learn the geometric feature representation; Finally, the training labels is automatically generated for depth learning based on the existing RGB-D reconstruction algorithm, which accesses to the same global key matching descriptor. The experimental results show that the matching accuracy of our network is 92.2% for automobile castings, the closed loop rate is about 74.0% when the matching tolerance threshold τ is 0.2. The matching descriptors performed well and retained 81.6% matching accuracy at 95% closed loop. For the sparse geometric castings with initial matching failure, the 3D matching object can be reconstructed robustly by training the key descriptors. Our method performs 3D reconstruction robustly for complex automobile castings.

Application of Chemometric Techniques to Colorimetric Data in Classifying Automobile Paint

International Nuclear Information System (INIS)

Nur Awatif Rosli; Rozita Osman; Norashikin Saim; Mohd Zuli Jaafar

2015-01-01

The analysis of paint chips is of great interest to forensic investigators, particularly in the examination of hit-and run cases. This study proposes a direct and rapid method in classifying automobile paint samples based on colorimetric data sets; absorption value, reflectance value, luminosity value (L), degree of redness (a) and degree of yellowness (b) obtained from video spectral comparator (VSC) technique. A total of 42 automobile paint samples from 7 manufacturers were analysed. The colorimetric datasets obtained from VSC analysis were subjected to chemometric technique namely cluster analysis (CA) and principal component analysis (PCA). Based on CA, 5 clusters were generated; Cluster 1 consisted of silver color, cluster 2 consisted of white color, cluster 3 consisted of blue and black colors, cluster 4 consisted of red color and cluster 5 consisted of light blue color. PCA resulted in two latent factors explaining 95.58 % of the total variance, enabled to group the 42 automobile paints into five groups. Chemometric application on colorimetric datasets provide meaningful classification of automobile paints based on their tone colour (L, a, b) and light intensity These approaches have the potential to ease the interpretation of complex spectral data involving a large number of comparisons. (author)

A basic study on universal design of auditory signals in automobiles.

Science.gov (United States)

Yamauchi, Katsuya; Choi, Jong-dae; Maiguma, Ryo; Takada, Masayuki; Iwamiya, Shin-ichiro

2004-11-01

In this paper, the impression of various kinds of auditory signals currently used in automobiles and a comprehensive evaluation were measured by a semantic differential method. The desirable acoustic characteristic was examined for each type of auditory signal. Sharp sounds with dominant high-frequency components were not suitable for auditory signals in automobiles. This trend is expedient for the aged whose auditory sensitivity in the high frequency region is lower. When intermittent sounds were used, a longer OFF time was suitable. Generally, "dull (not sharp)" and "calm" sounds were appropriate for auditory signals. Furthermore, the comparison between the frequency spectrum of interior noise in automobiles and that of suitable sounds for various auditory signals indicates that the suitable sounds are not easily masked. The suitable auditory signals for various purposes is a good solution from the viewpoint of universal design.

Hydrogen: implications for the future automobile

International Nuclear Information System (INIS)

Frise, P. R.; Woodward, W.

2004-01-01

'Full text:' The presentation will focus upon the challenges within the automotive manufacturing industry related to the hydrogen fuelled automobile of the future. Challenges and opportunities include issues of power train design and packaging as well as on-road performance capabilities, fuel system packaging and materials for body structures. Due to the size and complexity of the automotive sector, technology changes tend to be evolutionary rather than revolutionary, but changes are being made to today's cars in preparation for the evolution toward the future hydrogen automobile. Real world applications of new technologies will be described that are assisting automakers to prepare for the hydrogen future today. The work will be described in the context of AUTO21, a national Network of Centres of Excellence (NCE), is helping to position Canada as a leader in automotive research and development. More than 250 researchers in 34 Canadian universities and over 110 industry and government partners contribute to AUTO21 through applied research projects in six themes of study ranging from health and societal issues to pure engineering applications. (author)

New perspectives for advanced automobile diesel engines

Science.gov (United States)

Tozzi, L.; Sekar, R.; Kamo, R.; Wood, J. C.

1983-01-01

Computer simulation results are presented for advanced automobile diesel engine performance. Four critical factors for performance enhancement were identified: (1) part load preheating and exhaust gas energy recovery, (2) fast heat release combustion process, (3) reduction in friction, and (4) air handling system efficiency. Four different technology levels were considered in the analysis. Simulation results are compared in terms of brake specific fuel consumption and vehicle fuel economy in km/liter (miles per gallon). Major critical performance sensitivity areas are: (1) combustion process, (2) expander and compressor efficiency, and (3) part load preheating and compound system. When compared to the state of the art direct injection, cooled, automobile diesel engine, the advanced adiabatic compound engine concept showed the unique potential of doubling the fuel economy. Other important performance criteria such as acceleration, emissions, reliability, durability and multifuel capability are comparable to or better than current passenger car diesel engines.

The System Dynamics of U.S. Automobile Fuel Economy

Directory of Open Access Journals (Sweden)

Todd K. BenDor

2012-05-01

Full Text Available This paper analyzes the dynamics of U.S. automobile gasoline consumption since 1975. Using background literature on the history of domestic fuel economy and energy policy, I establish a conceptual model that explains historical trends in adoption of increased fuel economy. I then create a system dynamics simulation model to understand the relationship between increased fuel economy standards and potential changes to gas tax policies. The model suggests that when increases in mandated fuel economy are not conducted in an environment with rising fuel costs, fuel economy improvements may be directly counteracted by shifting tastes of consumers towards larger automobiles with lower fuel economy.

The automobile after tomorrow

Energy Technology Data Exchange (ETDEWEB)

Guzzella, L [Swiss Federal Inst. of Technology (ETH), Zurich (Switzerland)

1996-11-01

This talk discusses the technical options available for automobiles within the next 5 to 10 years. With the objective to reduce consumption and pollution, several alternative approaches are presented and analyzed using simplified but realistic calculations. Main emphasis is laid on CO{sub 2} emission of the complete energy transformation path from the primary energy carrier to the energy dissipated in test cycles. It is shown that no single optimal solution exist but that a trade-off between consumption, pollution and cost must be made for each specific situation. (author) 17 figs., 2 tabs.

Research on the Bionics Design of Automobile Styling Based on the Form Gene

Science.gov (United States)

Aili, Zhao; Long, Jiang

2017-09-01

From the heritage of form gene point of view, this thesis has analyzed the gene make-up, cultural inheritance and aesthetic features in the evolution and development of forms of brand automobiles and proposed the bionic design concept and methods in the automobile styling design. And this innovative method must be based on the form gene, and the consistency and combination of form element must be maintained during the design. Taking the design of Maserati as an example, the thesis will show you the design method and philosophy in the aspects of form gene expression and bionic design innovation for the future automobile styling.

Spatial distribution and landuse planning of informal automobile ...

African Journals Online (AJOL)

Spatial distribution and landuse planning of informal automobile workshops in Osogbo, ... data pertaining to the activities and other related issues of their workshops. ... The study therefore, recommends the establishment of mechanic complex, ...

Prelaunch Forecasting of New Automobiles

OpenAIRE

Glen L. Urban; John R. Hauser; John H. Roberts

1990-01-01

This paper develops and applies a prelaunch model and measurement system to the marketing planning of a new automobile. The analysis addresses active search by consumers, dealer visits, word-of-mouth communication, magazine reviews, and production constraints---issues that are important in understanding consumer response to durable goods. We address these issues with a detailed consumer flow model which monitors and projects key consumer transitions in response to marketing actions. A test-vs...

A new method for controlling refrigerant flow in automobile air conditioning

Energy Technology Data Exchange (ETDEWEB)

Xuquan Li; Jiangping Chen; Zhijiu Chen [Shanghai Jiao Tong University (China). Institute of Refrigeration and Cryogenics Engineering; Weihua Liu; Wei Hu; Xiaobing Liu [Shanghai Delphi Automotive Air Conditiong Systems Co. Ltd., Changhai (China)

2004-05-01

This paper describes the improvement of the refrigerant flow control method by using an electronic expansion valve (EEV) which is driven by a stepper motor in automobile air conditioning system. An EEV can make a quick response to the abrupt change in the refrigerant flow rate during the change in automobile speed and the thermostatic on/off operation. The flow rate characteristic of the EEV for automobile air conditioning was presented. A microcontroller is used to receive the input signal and generate the output signal to control the opening of the EEV. The fuzzy self-tuning proportional-integral-derivative (PID) control method is employed. Experimental results show that the new control method can feed adequate refrigerant flow into the evaporator in various operations. The evaporator discharge air temperature has dropped by approximately 3{sup o}C as compared with that of the conventional PID control system. (author)

A Tractor or an Automobile? A 1920s Farm Family Faces a Decision.

Science.gov (United States)

Kunze, Joel P.

1991-01-01

Outlines a lesson plan in which students role play a 1920s farm family deciding whether to buy an automobile or a tractor. Other students act as automobile and tractor sales groups. Explains how the lesson illuminates relationships between technological advance and social history. Includes handouts identifying benefits of purchasing cars or…

Optimum amount of an insurance sum in life insurance

Directory of Open Access Journals (Sweden)

Janez Balkovec

2001-01-01

Full Text Available Personal insurance represents one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house..., the problem is usually not in the amount of the taken insurance. With life insurance (abstract goods, problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.

Legislative Committee Simulation: Regulation in the Automobile Industry.

Science.gov (United States)

Hoffman, Alan J.; And Others

1983-01-01

Examined are ways to overcome obstacles which often prevent creative teaching of legislative decision-making processes to high school students. A simulation dealing with regulation in the automobile industry is used for illustrative purposes. (RM)

Insuring against Health Shocks: Health Insurance and Household Choices

OpenAIRE

Liu, Kai

2015-01-01

This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investme...

Designing carbon taxation schemes for automobiles: A simulation exercise for Germany

OpenAIRE

Adamou, Adamos; Clerides, Sofronis; Zachariadis, Theodoros

2011-01-01

Vehicle taxation based on CO2 emissions is increasingly being adopted worldwide in order to shift consumer purchases to low-carbon cars, yet little is known about the effectiveness and overall economic impact of these schemes. We focus on feebate schemes, which impose a fee on high-carbon vehicles and give a rebate to purchasers of low-carbon automobiles. We estimate a discrete choice model of demand for automobiles in Germany and simulate the impact of alternative feebate schemes on emission...

Hierarchical functional model for automobile development; Jidosha kaihatsu no tame no kaisogata kino model

Energy Technology Data Exchange (ETDEWEB)

Sumida, S [U-shin Ltd., Tokyo (Japan); Nagamatsu, M; Maruyama, K [Hokkaido Institute of Technology, Sapporo (Japan); Hiramatsu, S [Mazda Motor Corp., Hiroshima (Japan)

1997-10-01

A new approach on modeling is put forward in order to compose the virtual prototype which is indispensable for fully computer integrated concurrent development of automobile product. A basic concept of the hierarchical functional model is proposed as the concrete form of this new modeling technology. This model is used mainly for explaining and simulating functions and efficiencies of both the parts and the total product of automobile. All engineers who engage themselves in design and development of automobile can collaborate with one another using this model. Some application examples are shown, and usefulness of this model is demonstrated. 5 refs., 5 figs.

High energy X-ray CT system using a linear accelerator for automobile parts inspection

International Nuclear Information System (INIS)

Kanamori, T.; Sukita, T.

1995-01-01

A high energy X-ray CT system (maximum photon energy: 0.95 MeV) has been developed for industrial use. This system employs a linear accelerator as an X-ray source. It is able to image the cross section of automobile parts and can be applied to a solidification analysis study of the cylinder head in an automobile. This paper describes the features of the system and application results which can be related to solidification analysis of the cylinder head when fabricated from an aluminum casting. Some cross-sectional images are also presented as evidence for nondestructive inspection of automobile parts. (orig.)

Automobile industry and globalization in Asian market; Asia ni okeru jidosha sangyo to globalization

Energy Technology Data Exchange (ETDEWEB)

NONE

1999-01-01

Asian countries are now attracting attention of automobile manufacturers of the world for their capabilities of buying, producing, and assembling of automobiles, and producing and supplying of parts, which means that the Asian market is now exposed to globalization. As for the automobile and part manufacturers of Japan, in the presence of economic depression lingering in Asia affecting motorization and rapid changes in the circumstances Japan`s automobile industry finds itself under, are pressed to work out new strategies as a member of the Asian community. A panel discussion of the same name as the subject held in 1997 won favor as a fine initiative to suitably cope with the difficult situation. Useful suggestions and proposals were made concerning the panel discussion, calling the event a new type of round-table talks well responding to the rapid changes in the world economy since 1997, by learned and experienced people, the government offices concerned, staffers of manufacturers in charge of overseas marketing, and international information analysts. They related to the current state and tasks of automobile manufacturing in Asia, trends of regulations and standardization, rolls of technical assistance and the Society of Automotive Engineers of Japan, Ltd., expressed from a wide angle covering various problems relative to environmental protection, safety, etc. (NEDO)

Automobile technology of the future

International Nuclear Information System (INIS)

Seiffert, U.; Walzer, P.

1990-01-01

Looking ahead to the year 2000, this fascinating publication takes an in-depth look at new technology which will impact the passenger car of tomorrow. New developments in the areas of performance, reliability, comfort, fuel economy, safety, and environmental compatibility are examined. In this book the authors offer analysis on subjects such as the impact of legislation, the acceptance of ABS, and features of the future dashboard. Offering insight to readers with both technical and general interest in automobiles

Globalization of the automobile industry in China. Dynamics and barriers in the greening of road transportation

Energy Technology Data Exchange (ETDEWEB)

Gan, Lin

2001-08-01

This article describes the state of the automobile industry and urban road transportation management in China. It reviews how the automobile industry is evolving to respond to challenges in economic development, environmental regulations, and technological change. The dynamics and barriers resulting from technological change of the automobile in response to reduction of exhaust emissions and energy-efficiency improvement are analyzed. It is argued that consideration of externality costs should be integrated in automobile industrial policy making and transport management. This paper questions the current government policy of encouraging private car ownership, and suggests that improvement in public transportation systems and stronger emissions control would be relevant to China's drive toward sustainable transportation development. (author)

Insuring against health shocks: Health insurance and household choices.

Science.gov (United States)

Liu, Kai

2016-03-01

This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. Copyright © 2016 Elsevier B.V. All rights reserved.

Defining the key-parameters of insurance product in Islamic insurance

Directory of Open Access Journals (Sweden)

Galim Zaribzyanovich Vakhitov

2015-06-01

Full Text Available Objective to define the range of actuarial calculations in Islamic insurance to study the main differences of the traditional and Islamic insurance to define what changes in calculations entail the above differences. Methods mathematical modeling probabilistic analysis of insurance risks adaptation of methods of actuarial mathematics to the principles of Islamic insurance. Results the mathematical form of the takafulfund models is presented the distribution is analyzed of a random variable of the resulting insurance fund or the insurance company balance in a particular fixed insurance portfolio. Scientific novelty calculation are presented of the optimal tariff rate in takaful. Islamic insurance is an innovative area of insurance industry. Actuarial calculations that meet the Sharia rules are still being developed. The authors set the new tasks of actuarial calculations including the specified changes in the calculation of the optimal tariff rate imposed by the Islamic insurance principles. Practical value the results obtained can be used in the actuarial calculations of the Islamic insurance companies. nbsp

Exploring health insurance services in Sudan from the perspectives of insurers.

Science.gov (United States)

Salim, Anas Mustafa Ahmed; Hamed, Fatima Hashim Mahmoud

2018-01-01

It has been 20 years since the introduction of health insurance in Sudan. This study was the first one that explored health insurance services in Sudan from the perspectives of the insurers. This was a qualitative, exploratory, interview study. The sampling frame was the list of Social Health Insurance and Private Health Insurance institutions in Sudan. Participants were selected from the four Social Health Insurance institutions and from five Private Health Insurance companies. The study was conducted in January and February 2017. In-depth individual interviews were conducted with a convenient sample of key executives from the different health insurers. Ideas and themes were identified and analysed using thematic analysis. The result showed that universal coverage was not achieved despite long time presence of Social Health Insurance and Private Health Insurance in Sudan. All participants described their services as comprehensive. All participants have good perception of the quality of the services they provide, although none of them investigated customer satisfaction. The main challenges facing Social Health Insurance are achieving universal coverage, ensuring sustainability and recruitment of the informal sector and self-employed population. Consumers' affordability of the premiums is the main obstacle for Private Health Insurance, while rising healthcare cost due to economic inflation is a challenge facing both Social Health Insurance and Private Health Insurance. In spite of the presence of Social Health Insurance and Private Health Insurance in Sudan, the country is still far from achieving universal coverage. Moreover, the sustainability of health insurance is questionable. The main reasons include low governmental financial resources and lack of affordability by beneficiaries especially for Private Health Insurance. This necessitates finding solutions to improve them or trying other types of health insurance. The quality of services provided by Social

UNICEF and automobile CO2 negotiation

Energy Technology Data Exchange (ETDEWEB)

Woo, Seok Hun [Korea Energy Management Corporation, Yongin (Korea)

2000-06-01

The EU automobile negotiation was very suggestive since it was the first international trade negotiation related with UNFCCC. It generated considerable reactions in association with {sup v}oluntary negotiation{sup i}n semiconductor sector. Most of all, such a new car negotiation shows well that it is hard to free from global environmental responsibilities even for a company in a developing country in UNFCCC.

CHINESE AUTOMOBILE ENTERPRISE STRATEGY ANALYSIS

OpenAIRE

Phd. Candidate Mrs. Chai Feng xia

2015-01-01

China's auto industry also had a golden decade of explosive growth. In 2009, China's auto market has exceeded the United States, the wo rld's largest car market, and in 2013, China's auto production both breaks t hrough twenty million. However, through the presentation of China's auto m arket booming, we should be acutely aware that the status of China's automobile industry in the global automotive industry value chain is still very low, this paper did analysis regarding the current situation...

Concept and ripple effect of negotiation for automobile CO{sub 2} emission regulation

Energy Technology Data Exchange (ETDEWEB)

Han, Hwa Jin [Korea Environment Institute, Seoul (Korea)

2000-06-01

The present average of automobile CO{sub 2} emission in Korea is about 220g/km, so it is hard to achieve reduction goal concluded with EU with present technology capability. In such a situation, it is required a long-term R and D strategy on direct jet engine, hybrid engine, diesel automobile development and other mileage improving technology which need huge initial investment cost. Furthermore, the efforts on alternative fuel automobile technology are needed. When a long-term strategy of corporation and a competitiveness policy of government are integrated properly, then it is possible to establish two goals, environmental protection and maintenance of industrial competitiveness, simultaneously. However, the emission reduction goal that is proposed by EU is still too high to achieve for Korean companies.

24 CFR 266.600 - Mortgage insurance premium: Insurance upon completion.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium... MULTIFAMILY PROJECT LOANS Contract Rights and Obligations Mortgage Insurance Premiums § 266.600 Mortgage insurance premium: Insurance upon completion. (a) Initial premium. For projects insured upon completion, on...

Kinetic considerations of three-way catalysis in automobile exhaust converters

International Nuclear Information System (INIS)

Botas, J.A.; Gutierrez-Ortiz, M.A.; Gonzalez-Marcos, M.P.; Gonzalez-Marcos, J.A.; Gonzalez-Velasco, J.R.

2001-01-01

The activity of three-way catalysts is highly dependent on the reactants present in the automobile exhaust gases (CO, NO x , HC, O 2 , H 2 O, CO 2 , N 2 ) as well as their relative concentration. Thus, the influence of each reactant on the kinetic behavior of the whole mixture makes difficult to establish the accurate kinetics of the system. Activity experiments carried out close to the real operation conditions (GHSV, concentration, etc.) with a Pt/CeO 2 /Al 2 O 3 catalyst supplied data on the CO and HC oxidation and NO reduction reactions in environments formed by different reactant combinations (from binary mixtures to the whole mixture simulating the real conditions at the automobile converter).The obtained results have shown notable variations in the oxidation/reduction mechanisms depending on the presence (or absence) of components in the environment. The presence of water always promoted the three-way activity of the catalyst. The compensation effect applied to the CO, NO and HC conversions confirmed that kinetic expressions obtained with partial mixtures (not very close to the real converter environment) have only limited application for determining the whole kinetic scheme occurring in the automobile converters

Subjective measures of work-related fatigue in automobile factory employees.

Science.gov (United States)

Guo, Fu; Wang, Tianbo; Ning, Zuojiang

2017-01-01

Work-related fatigue is common among automobile factory employees. The purpose of this study was to assess fatigue of employees at a Chinese automobile factory. 238 employees (119 engineers and 119 workers) participated in this study. The following questionnaires were completed: demographic survey questionnaire, working condition questionnaire (WCQ), functional assessment of chronic illness therapy-fatigue (FACIT-F), subscales of multidimensional fatigue inventory (MFI), and Pittsburgh sleep quality index (PSQI). Both engineers and workers experienced fatigue. The workers (35.6 years old, SD = 6.7) generally felt more fatigue than engineers (42.6 years old, SD = 6.4). The engineers claimed to be more satisfied with the working conditions than workers. The WCQ showed good properties for assessing work-related factors, which were significantly correlated with fatigue (r = 0.568 for engineers and r = 0.639 for workers). For engineers, general fatigue was observed regularly and frequently, and for workers, physical fatigue usually had a long duration. The fatigue was significantly correlated with work-related factors, especially working environment and monotony. For workers, the duration of the work day also affected their fatigue. Some improvements to the working condition in this automobile factory should be considered.

76 FR 77442 - Mutual Insurance Holding Company Treated as Insurance Company

Science.gov (United States)

2011-12-13

... insurance industry traces its roots back to England, where, in 1696, the first mutual fire insurer was... FEDERAL DEPOSIT INSURANCE CORPORATION 12 CFR Part 380 RIN 3064-AD89 Mutual Insurance Holding Company Treated as Insurance Company AGENCY: Federal Deposit Insurance Corporation (FDIC). ACTION: Notice...

Incidence and body location of reported acute sport injuries in seven sports using a national insurance database.

Science.gov (United States)

Åman, M; Forssblad, M; Larsén, K

2018-03-01

Sports with high numbers of athletes and acute injuries are an important target for preventive actions at a national level. Both for the health of the athlete and to reduce costs associated with injury. The aim of this study was to identify injuries where injury prevention should focus, in order to have major impact on decreasing acute injury rates at a national level. All athletes in the seven investigated sport federations (automobile sports, basketball, floorball, football (soccer), handball, ice hockey, and motor sports) were insured by the same insurance company. Using this insurance database, the incidence and proportion of acute injuries, and injuries leading to permanent medical impairment (PMI), at each body location, was calculated. Comparisons were made between sports, sex, and age. In total, there were 84 754 registered injuries during the study period (year 2006-2013). Athletes in team sports, except in male ice hockey, had the highest risk to sustain an injury and PMI in the lower limb. Females had higher risk of injury and PMI in the lower limb compared to males, in all sports except in ice hockey. This study recommends that injury prevention at national level should particularly focus on lower limb injuries. In ice hockey and motor sports, head/neck and upper limb injuries also need attention. © 2017 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.

Modern steels for light automobiles (review)

Science.gov (United States)

Tikhonov, A. K.

1994-10-01

The article considers the directions of work at VAZ together with metallurgists of the CIS for creating highly efficient economically-alloyed and microalloyed steels; highly ductile forged steels with improved corrosion resistance coated with zinc and with good stamping, welding, and painting capacity. Steels are created for petrol tanks with aluminum-zinc coatings instead of lead, and new heat and corrosion-resistant steels are developed for automobile exhaust gas systems.

Daredevils and early birds: Belgian pioneers in automobile racing and aerial sports during the belle époque.

Science.gov (United States)

Ameye, Thomas; Gils, Bieke; Delheye, Pascal

2011-01-01

During the belle époque, Belgium was a trend-setting nation in many domains, including motorised sports. Belgian automobile racers and pilots shattered world records and became international stars. Striking was the shift in sports. Indeed, around 1896, sporting members of the leisure class stepped from the bicycle into the automobile and, around 1908, from the automobile into the airplane. Although these motorised sports were extremely expensive, this article shows that sportsmen and sportswomen from the working class could achieve upward social mobility through their performances. The achievements of these motorised pioneers had a major impact and wide-ranging significance. They laid the foundations for the expansion of the automobile industry and the emergence of civilian and military aviation.

Managing bottlenecks in manual automobile assembly systems using discrete event simulation

Directory of Open Access Journals (Sweden)

Dewa, M.

2013-08-01

Full Text Available Batch model lines are quite handy when the demand for each product is moderate. However, they are characterised by high work-in-progress inventories, lost production time when changing over models, and reduced flexibility when it comes to altering production rates as product demand changes. On the other hand, mixed model lines can offer reduced work-in-progress inventory and increased flexibility. The object of this paper is to illustrate that a manual automobile assembling system can be optimised through managing bottlenecks by ensuring high workstation utilisation, reducing queue lengths before stations and reducing station downtime. A case study from the automobile industry is used for data collection. A model is developed through the use of simulation software. The model is then verified and validated before a detailed bottleneck analysis is conducted. An operational strategy is then proposed for optimal bottleneck management. Although the paper focuses on improving automobile assembly systems in batch mode, the methodology can also be applied in single model manual and automated production lines.

THE ROLE OF AUTOMOBILE TRANSPORT IN HUBS SERVICE

Directory of Open Access Journals (Sweden)

Kirill Iurievich Bely

2015-09-01

Full Text Available Article contains approaches to development and functioning of transport-logistic nodes – hubs – in modern conditions. There is hub classification and examples of them on different transport modes. An important component in providing reliability of hub work is automobile transport.

Deposit Insurance Coverage, Credibility of Non-insurance, and Banking Crises

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

level require analyses of institutional factors affecting the credibility of non-insurance. In particular, the implementation of effective distress resolution procedures for banks would allow governments to reduce explicit deposit insurance coverage and, thereby, to strengthen market discipline......The ambiguity in existing empirical work with respect to effects of deposit insurance schemes on banks' risk-taking can be resolved if it is recognized that absence of deposit insurance is rarely credible and that the credibility of non-insurance can be enhanced by explicit deposit insurance...... schemes. We show that under reasonable conditions for effects on risk-taking of creditor protection in banking, and for effects on credibility of non-insurance of explicit coverage of deposit insurance schemes, there exists a partial level of coverage that maximizes market discipline and minimizes moral...

Insurance premiums and insurance coverage of near-poor children.

Science.gov (United States)

Hadley, Jack; Reschovsky, James D; Cunningham, Peter; Kenney, Genevieve; Dubay, Lisa

States increasingly are using premiums for near-poor children in their public insurance programs (Medicaid/SCHIP) to limit private insurance crowd-out and constrain program costs. Using national data from four rounds of the Community Tracking Study Household Surveys spanning the seven years from 1996 to 2003, this study estimates a multinomial logistic regression model examining how public and private insurance premiums affect insurance coverage outcomes (Medicaid/SCHIP coverage, private coverage, and no coverage). Higher public premiums are significantly associated with a lower probability of public coverage and higher probabilities of private coverage and uninsurance; higher private premiums are significantly related to a lower probability of private coverage and higher probabilities of public coverage and uninsurance. The results imply that uninsurance rates will rise if both public and private premiums increase, and suggest that states that impose or increase public insurance premiums for near-poor children will succeed in discouraging crowd-out of private insurance, but at the expense of higher rates of uninsurance. Sustained increases in private insurance premiums will continue to create enrollment pressures on state insurance programs for children.

Nuclear insurance

International Nuclear Information System (INIS)

Anon.

1992-01-01

The yearbook contains among others the figures of the nuclear insurance line. According to these these the DKVG (German nuclear power plant insurance association) has 102 member insurance companies all registered in the Federal Republic of Germany. By using reinsurance capacities of the other pools at present property insurance amounts to 1.5 billion DM and liability insurance to 200 million DM. In 1991 the damage charges on account of DKV amounted to 3.1 (1990 : 4.3) million DM. From these 0.6 million DM are apportioned to payments and 2.5 million DM to reserves. One large damage would cost a maximum gross sum of 2.2 billion DM property and liability insurance; on account of DKVG 750 million DM. (orig./HSCH) [de

Performance evaluation of effluent treatment plant for automobile industry

Energy Technology Data Exchange (ETDEWEB)

Ansari, Farid [Department of Applied Science and Humanities, PDM College of Engineering, Bahadurgarh (Haryana) (India); Pandey, Yashwant K. [School of Energy and Environmental Studies, Devi Ahilya Vishwavidyalaya, Indore (India); Kumar, P.; Pandey, Priyanka [Department of Environmental Science, Post Graduate College Ghazipur (IN

2013-07-01

The automobile industry’s wastewater not only contains high levels of suspended and total solids such as oil, grease, dyestuff, chromium, phosphate in washing products, and coloring, at various stages of manufacturing but also, a significant amount of dissolved organics, resulting in high BOD or COD loads. The study reveals the performance, evaluation and operational aspects of effluent treatment plant and its treatability, rather than the contamination status of the real property. The Results revealed that the treated effluent shows most of the parameters are within permissible limits of Central Pollution Control Board (CPCB), India and based on the site visits, discussion with operation peoples, evaluation of process design, treatment system, existing effluent discharge, results of sample analyzed and found that effluent treatment plant of automobile industry are under performance satisfactory.

Measurement of Gamma Radiation in an Automobile Mechanic ...

African Journals Online (AJOL)

Environmental radiation measurement was carried out in an automobile mechanic village, Apo, Abuja, Nigeria. An in-situ measurement approach was adopted using RDS-200 Universal Survey Meter and a handheld Global Positioning System (Garmin GPS 76S) equipment. It was observed that the dose equivalent varied ...

Reduced Haematopoietic Output in Automobile Mechanics and Sprayers with Chronic Exposure to Petrochemicals: A Case-Control Study in Cape Coast, Ghana.

Science.gov (United States)

Adu, Patrick; Pobee, Richard; Awuah, Aaron; Asiamah, Paul B; Amoani, Festus; Gyabaa, Sampson

2018-01-01

Automobile mechanics and sprayers are at a higher risk of exposure to hazardous chemicals such as polycyclic aromatic hydrocarbons and heavy metals which may cause adverse health outcomes. This study aimed to use reticulocyte count as an indirect measure of the haematological output in automobile mechanics and sprayers in the Cape Coast Metropolis, Ghana. This cross-sectional study recruited 130 participants: 90 cases (57 automobile mechanics and 33 automobile sprayers) and 40 controls (nonautomobile workers). Venous blood samples were drawn from the participants and examined for full blood count and absolute reticulocyte count. Semi-structured questionnaire was used to collect demographic and occupational safety information from participants. 75.6% of cases had never received occupational safety training. Whereas 35.1% of automobile mechanics routinely siphoned fuel, 36.4% of automobile sprayers never used nose masks in the discharge of their duties. Controls had significantly higher WBC counts compared to mechanics ( p = 0.0001; 5.04 ± 1.7 versus 3.81 ± 1.1), or sprayers ( p = 0.0004; 5.04 ± 1.7 versus 3.74 ± 0.9). Lymphocyte, monocyte, and platelet counts were also significantly higher in controls compared to cases. Whereas RBC counts were significantly higher in controls compared to automobile mechanics (4.85 versus 4.66; p = 0.034), haemoglobin levels were significantly higher in automobile sprayers compared to controls (15.13 versus 14.1 g/dl; p = 0.0126). Absolute reticulocyte count was significantly higher in controls compared to cases [ p mechanics)]. Among the cases however, only RBC counts were significantly lower in automobile mechanics compared to automobile sprayers ( p = 0.0088; 4.66 ± 0.4 versus 4.85 ± 0.5). It was evident that both automobile mechanics and sprayers had significantly reduced haematopoietic output. Occupational safety training is not given priority and must be addressed.

The automobile of the future: engine technologies and automotive fuels developed by IFP; l'automobile du futur: les technologies moteurs et carburants developpes par l'IFP

Energy Technology Data Exchange (ETDEWEB)

Appert, O; Pinchon, Ph

2004-07-01

In front of the challenges of climate change and depletion of petroleum reserves, in front of the continuous strengthening of pollution regulations applied to automobile (Euro IV and V) and the advances of R and D, several ways of research can be explored to answer the mobility needs of the coming decades. The IFP takes stock of these topics in this press kit which comprises 11 documents: the synthesis of O. Appert and P. Pinchon's talk about 'the cleaner and multi-energies automobile of the future', the slides of this presentation, the future evolutions of automobiles motorizations, the long-term evolutions of engines/fuels (brief for the Panorama 2004 colloquium), diesel fuel in the USA (brief for the Panorama 2004 colloquium), bio-fuels in Europe (brief for the Panorama 2004 colloquium), diesel pollution abatement: efficient results from the IFP's diesel combustion process 'NADI'(TM), the presentation of the IFP scientific meeting of September 22-23, 2004 'which fuels for low CO{sub 2} engines?', the strategic positioning of IFP in the world energy and environmental context, the brochures 'IFP engines and fuels: a competitive advantage' and 'innovating for a sustainable development in the domain of energy'. (J.S.)

Quantifying the association between obesity, automobile travel, and caloric intake.

Science.gov (United States)

Behzad, Banafsheh; King, Douglas M; Jacobson, Sheldon H

2013-02-01

The objective of this study is to assess the association between average adult body mass index (BMI), automobile travel, and caloric intake in the US in order to predict future trends of adult obesity. Annual BMI data (1984-2010) from the Behavioral Risk Factor Surveillance System (BRFSS), vehicle miles traveled data (1970-2009) from the Federal Highway Administration, licensed drivers data (1970-2009) from the Federal Highway Administration, and adult average daily caloric intake data (1970-2009) from the US Department of Agriculture were collected. A statistical model is proposed to capture multicollinearity across the independent variables. The proposed statistical model provides an estimate of changes in the average adult BMI associated with changes in automobile travel and caloric intake. According to this model, reducing daily automobile travel by one mile per driver would be associated with a 0.21 kg/m(2) reduction in the national average BMI after six years. Reducing daily caloric intake by 100 calories per person would be associated with a 0.16 kg/m(2) reduction in the national average BMI after three years. Making small changes in travel or diet choices may lead to comparable obesity interventions, implying that travel-based interventions may be as effective as dietary interventions. Copyright © 2012 Elsevier Inc. All rights reserved.

Impact Analysis of Transportation Modal Shift on Regional Energy Consumption and Environmental Level: Focused on Electric Automobiles

OpenAIRE

Hong Bae Kim; Chang Ho Hur

2016-01-01

Many governments have tried to reduce CO2 emissions which are believed to be the main cause for global warming. The deployment of electric automobiles is regarded as an effective way to reduce CO2 emissions. The Korean government has planned to deploy about 200,000 electric automobiles. The policy for the deployment of electric automobiles aims at not only decreasing gasoline consumption but also increasing electricity production. However, if an electricity consuming regions is not consistent...

Investigation of an alleged mechanism of finger injury in an automobile crash.

Science.gov (United States)

Stacey, Stephen; Kent, Richard

2006-07-01

This investigation centers on the case of an adult male whose finger was allegedly amputated by the steering wheel of his car during a crash. The subject claimed to have been driving with his left index finger inserted through a hole in the spoke of his steering wheel and was subsequently involved in an offset frontal collision with a tree. The finger was found to be cleanly severed at the mid-shaft of the proximal phalanx after the crash. This injury was alleged to have been caused by inertial loading from the rotation of the steering wheel during the crash. To determine whether this injury mechanism was plausible, three laboratory tests representing distinct loading scenarios were carried out with postmortem human surrogates loaded dynamically by the subject's steering wheel. It was found that the inertial loads generated in this loading scenario are insufficient to amputate the finger. Additionally, artificially constraining the finger to force an amputation to occur revealed that a separation at the proximal interphalangeal joint occurs rather than a bony fracture of the proximal phalanx. Based on these biomechanical tests, it can be concluded that the subject's injury did not occur during the automobile crash in question. Furthermore, it can be shown that the injury was self-inflicted to fraudulently claim on an insurance policy.

Applicability of Talent Management with Special Reference to Automobile Industry of Krishnagiri District

OpenAIRE

R. Santoshkumar; Dr. N. Rajasekar

2011-01-01

This research paper examines the applicability of Talent Management in Automobile Industry in Krishnagiri district. The primary data collected from the 100 different levels of employees in automobile industry. Hypothesis test used to measure the applicability of talent management. This paper found the executives feel that Talent Management is the competitive Advantage for the company; they believe that their company’s recruitment policy is leveraged towards recruiting top talent. This study...

Trends in chassis and automobile electronics components

Energy Technology Data Exchange (ETDEWEB)

Hackenberg, Ulrich [Volkswagen AG, Wolfsburg (Germany)

2008-07-01

The rapidly-growing importance of electronics in automobile construction is in part determined by the debate on sustainability and the clear trend towards electric power trains. Another factor, however, is the decisive impact of electronics on the further development of components, e.g. for chassis. Apart from environmental protection, key motivators for component development include comfort, safety, infotainment and driver assistance. (orig.)

Insurance crisis

International Nuclear Information System (INIS)

Williams, P.L.

1996-01-01

The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators

[Reduction of automobile traffic: urgent health promotion policy].

Science.gov (United States)

Tapia Granados, J A

1998-03-01

During the last few decades, traffic injuries have become one of the leading causes of death and disability in the world. In urban areas, traffic congestion, noise, and emissions from motor vehicles produce subjective disturbances and detectable pathological effects. More than one billion people are exposed to harmful levels of environmental pollution. Because its combustion engine generates carbon dioxide (CO2), the automobile is one of the chief sources of the gases that are causing the greenhouse effect. The latter has already caused a rise in the average ambient temperature, and over the next decades it will predictable cause significant climatic changes whose consequences, though uncertain, are likely to be harmful and possibly catastrophic. Aside from the greenhouse effect, the relentless growth of parking zones, traffic, and the roadway infrastructure in urban and rural areas is currently one of the leading causes of environmental degradation. Urban development, which is nearly always "planned" around traffic instead of people, leads to a significant deterioration in the quality of life, while it also destroys the social fabric. Unlike the private automobile, public transportation, bicycles, and walking help reduce pollution, congestion, and traffic volume, as well as the morbidity and mortality resulting from injuries and ailments related to pollution. Non-automobile transportation also encourages physical activity--with its positive effect on general health--and helps reduce the greenhouse effect. The drop in traffic volume and the increased use of alternate means of transportation are thus an integrated health promotion policy which should become an inherent part of the movement for the promotion of healthy cities and of transportation policies and economic policy in general.

29 CFR 785.40 - When private automobile is used in travel away from home community.

Science.gov (United States)

2010-07-01

... 29 Labor 3 2010-07-01 2010-07-01 false When private automobile is used in travel away from home community. 785.40 Section 785.40 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION... WORKED Application of Principles Traveltime § 785.40 When private automobile is used in travel away from...

Automobile industry and new bio-fuel oils: International panorama

International Nuclear Information System (INIS)

Hampel, G.

1992-01-01

In assessing the technical/economic feasibility of the direct combustion of vegetable oils in diesel type engines, this paper first points out the good results obtained in performance tests on these fuels in Elsberg engines, and their low sulfur and nitrogen oxides and carbon dioxide emission characteristics. It then assesses the improvements that are necessary in the development of marketable bio-fuel oils that conform to European Communities air pollution standards for automobiles. Further efforts must be made to reduce bio-fuel oil smoke emission levels, to compensate for their lower calorific value as compared with conventional diesel fuels, and to make them compatible with automobile finishing materials - paints and plastics. The paper suggests a set of suitable fiscal policies designed to favour the marketing of bio-diesel fuels based on their favourable pollution abating qualities - low greenhouse gas emissions and biodegradability

Mitigation Index Insurance for Developing Countries: Insure the Loss or Insure the Signal?

OpenAIRE

Li, Yiting; Miranda, Mario J.

2015-01-01

Conventional agricultural index insurance indemnifies based on the observed value of a specified variable, such as rainfall, that is correlated with agricultural production losses. Typically, indemnities are paid to the policyholder after the losses have been experienced. This paper explores alternate timing for index insurance payouts. In particular, we explore the potential benefits of what we call “mitigation index insurance” in which the payouts of the insurance contract arrive before los...

Vertical Keiretsu and International Market Entry: The Case of the Japanese Automobile Ancillary Industry

OpenAIRE

Kunal Banerji; Rakesh B Sambharya

1996-01-01

This study investigated whether small Japanese automobile ancillary firms followed the major Japanese automakers in setting up production facilities in the United States. Based on Dunning's eclectic theory of foreign direct investment and resource dependence theory, hypotheses were generated to explain the determinants of foreign investment of Japanese suppliers. It was hypothesized that mutual dependencies between the major Japanese automobile firms and their suppliers, firm-specific ownersh...

Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

OpenAIRE

Nicole Maestas; Kathleen J. Mullen; Alexander Strand

2014-01-01

As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)–potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset–will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals...

Emissions and prevention/control techniques for automobile body shops in Ciudad Juarez, Mexico

Energy Technology Data Exchange (ETDEWEB)

Jeffery, J.D.; Sager, M.

1999-08-01

Emissions of Volatile Organic Compounds (VOC) from automobile body repair shops are believed to be significant and to contribute to ozone nonattainment in El Paso, Texas and to violations of ozone air quality standards in Ciudad Juarez, Mexico. The Direccion de Desarrollo Urbano Y Ecologia (DDUE), (the local agency in Ciudad Juarez, Mexico) requested CICA's assistance in determining emissions from and identifying appropriate pollution prevention and control techniques for automobile body repair shops in Ciudad Juarez.

Probabilistic Insurance

NARCIS (Netherlands)

Wakker, P.P.; Thaler, R.H.; Tversky, A.

1997-01-01

Probabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in premium to compensate for a 1% default risk. These observations cannot be

Probabilistic Insurance

NARCIS (Netherlands)

P.P. Wakker (Peter); R.H. Thaler (Richard); A. Tversky (Amos)

1997-01-01

textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these

Health Insurance Basics

Science.gov (United States)

... Staying Safe Videos for Educators Search English Español Health Insurance Basics KidsHealth / For Teens / Health Insurance Basics What's ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

Federal Deposit Insurance Corporation (FDIC) Insured Banks

Data.gov (United States)

Department of Homeland Security — The Summary of Deposits (SOD) is the annual survey of branch office deposits for all FDIC-insured institutions including insured U.S. branches of foreign banks. Data...

The Development of Green Clusters of the Automobile Industry in the Russian Region

Directory of Open Access Journals (Sweden)

Alexander A. Khokhlov

2017-06-01

Full Text Available The article shows the expediency of forming of a green cluster of the automobile industry and indicates the possibility of implementation through the development of electric vehicles as one of the environmentally friendly modes of transport. It is proved that their production requires the joint efforts of the automobile industry, small and medium business enterprises and organizations in other industries that manufacture components and equipment for electric cars. Further the possibility and expediency of launching of environmentally friendly vehicles is proved through the provision of issue in the process of import substitution in the automotive industry. The assumed centres of the green clusters of the automobile industry are selected, they are companies that are potential manufacturers of automobiles, having the properties of environmentally friendly vehicles: PJSC "AVTOVAZ", "GAZ". The scheme of realization of perspective projects on creation of models and production of electric vehicles is represented in the framework of activation of cooperation between state, municipal and business structures in the Russian regions. It is proposed as an institutional form of their interaction to use the concept of a consortium of the automotive industry, which principles are reflected in the text. It is concluded that in the automotive industry in the Russian regions there are possibilities of formation of territorial and production clusters based on the foundations of a green economy in the Russian Federation.

Emergency distress call system for automobiles in Lagos state, Nigeria

African Journals Online (AJOL)

Emergency distress call system for automobiles in Lagos state, Nigeria. ... PROMOTING ACCESS TO AFRICAN RESEARCH ... and communications technology capabilities to transportation and the medical care system in order to save lives, ...

75 FR 15603 - Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions

Science.gov (United States)

2010-03-30

... to: (1) Theft; or (2) Inability to market the avocados for any reason other than actual physical... Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions AGENCY: Federal Crop Insurance... Common Crop Insurance Regulations; Florida Avocado Crop Insurance Provisions to convert the Florida...

Hybrid modeling and empirical analysis of automobile supply chain network

Science.gov (United States)

Sun, Jun-yan; Tang, Jian-ming; Fu, Wei-ping; Wu, Bing-ying

2017-05-01

Based on the connection mechanism of nodes which automatically select upstream and downstream agents, a simulation model for dynamic evolutionary process of consumer-driven automobile supply chain is established by integrating ABM and discrete modeling in the GIS-based map. Firstly, the rationality is proved by analyzing the consistency of sales and changes in various agent parameters between the simulation model and a real automobile supply chain. Second, through complex network theory, hierarchical structures of the model and relationships of networks at different levels are analyzed to calculate various characteristic parameters such as mean distance, mean clustering coefficients, and degree distributions. By doing so, it verifies that the model is a typical scale-free network and small-world network. Finally, the motion law of this model is analyzed from the perspective of complex self-adaptive systems. The chaotic state of the simulation system is verified, which suggests that this system has typical nonlinear characteristics. This model not only macroscopically illustrates the dynamic evolution of complex networks of automobile supply chain but also microcosmically reflects the business process of each agent. Moreover, the model construction and simulation of the system by means of combining CAS theory and complex networks supplies a novel method for supply chain analysis, as well as theory bases and experience for supply chain analysis of auto companies.

Report for fiscal 1998 on feasibility study for introduction of electric automobiles; 1998 nendo denki jidosha donyu kanosei chosa hokokusho

Energy Technology Data Exchange (ETDEWEB)

NONE

1999-03-01

Surveys have been made on the characteristics of environmentally harmonizing automobiles, and the status of development and introduction thereof inside and outside the country. Discussions were given on the possibility of introducing electric automobiles in Japan. In developing environmentally harmonizing automobiles in Japan, works have been executed on low pollution type components such as lean burn engines, electric automobiles, gasoline engine and electric motor hybrid cars, methanol fueled cars, and fuel cell automobiles. Some of them are already in use in spite of their high price. In America, a cooperation project for the next generation cars has been implemented by mobilizing industrial, academic and governmental organizations. Based on the achievements thereof, the car makers have announced their original advanced cars respectively. In the EU, development of low exhaust gas cars and zero emission cars is being carried out jointly by the related industries setting years 2003 to 2005 as the target. An urban type traffic system utilizing electric vehicles, and a traffic system dividing movements of short distance and long distance are proposed as the means to introduce the future electric automobiles. (NEDO)

76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

Science.gov (United States)

2011-11-17

...-0008] RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY... Corporation (FCIC) proposes to amend the Common Crop Insurance Regulations, Pecan Revenue Crop Insurance... Regulations (7 CFR part 457) by revising Sec. 457.167 Pecan Revenue Crop Insurance Provisions, to be effective...

Esophageal rupture caused by explosion of an automobile tire tube: a case report.

Science.gov (United States)

Yu, Yongkang; Ding, Sheng; Zheng, Yifeng; Li, Wei; Yang, Lie; Zheng, Xiushan; Liu, Xiaoyan; Jiang, Jianqing

2013-08-23

There have been no reports in the literature of esophageal rupture in adults resulting from an explosion of an automobile tire. We report the first case of just such an occurrence after an individual bit into a tire, causing it to explode in his mouth. A 47-year-old Han Chinese man presented with massive hemorrhage in his left eye after he accidentally bit an automobile tire tube which burst into his mouth. He was diagnosed with esophageal rupture based on a chest computed tomography scan and barium swallow examination. Drainage of empyema (right chest), removal of thoracic esophagus, exposure of cervical esophagus, cardiac ligation and gastrostomy were performed respectively. After that, esophagogastrostomy was performed. Successful anastomosis was obtained at the neck with no postoperative complications 3 months after the surgery. The patient was discharged with satisfactory outcomes. We present this case report to bring attention to esophageal rupture in adults during the explosion of an automobile tire tube in the mouth.

Study on Micro Wind Generator System for Automobile

Science.gov (United States)

Fujimoto, Koji; Washizu, Shinsuke; Ichikawa, Tomohiko; Yukita, Kazuto; Goto, Yasuyuki; Ichiyanagi, Katsuhiro; Oshima, Takamitsu; Hayashi, Niichi; Tobi, Nobuo

This paper proposes the micro wind generator system for automobile. This proposes system is composed of the deflector, the micro windmill, the generator, and electric storage device. Then, the effectiveness is confirmed from an examination using air blower. Therefore, new energy can be expected to be obtained by installing this system in the truck.

Assessment of soil-pollution by slag from an automobile battery ...

African Journals Online (AJOL)

Administrator

automobile battery manufacturing plant in Nigeria. Gilbert U. Adie1* and .... Contamination of the environment with heavy metals .... assessment of heavy metal contamination using ..... contact with the soil or through food chain with water,.

Evaluation of purchase intention of customers in two wheeler automobile segment: AHP and TOPSIS

Science.gov (United States)

Sri Yogi, Kottala

2018-03-01

Winning heart of customers is preeminent main design of any business organization in global business environment. This paper explored customer’s priorities while purchasing a two wheeler automobile segment using Analytical Hierarchy Process (AHP) and Technique for Order Preference by Similarity to Ideal Solution (TOPSIS) as a multi criteria decision making tools to accomplish the research objectives. Study has been done to analyze different criteria to be considered during purchasing of two wheeler automobiles among respondents using structured questionnaire based on SAATY scale. Based on our previous work on empirical & fuzzy logic approach to product quality and purchase intention of customers in two wheeler- operational, performance, economic, brand value and maintenance aspects are considered as decision criteria of customers while purchasing a two wheeler. The study suggests high pick up during overtaking, petrol saving, reasonable spare parts price, unique in design and identity and easy to change gear as main criterion in purchasing process. We also found some leading two wheeler automobiles models available in Indian market using some objective function criterion in choosing some important characteristics like price, cylinder capacity, brake horse power and weight during purchasing process of two wheeler automobile in Indian market based on respondents perception.

Do self-insurance and disability insurance prevent consumption loss on disability?

OpenAIRE

Steffan G. Ball; Hamish W. Low

2009-01-01

In this paper we show the extent to which public insurance and self-insurance mitigate the cost of health shocks that limit the ability to work. We use consumption data from the UK to estimate the insurance provided by the government disability programme and account for the effectiveness of alternative self-insurance mechanisms. Individuals with a work-limiting health condition, but in receipt of disability insurance, have 7 percent lower consumption than those without such a condition. Self-...

Smog and Your Automobile. [Teacher's Manual, Filmstrip, Record].

Science.gov (United States)

California State Dept. of Public Health, Berkeley.

A filmstrip, 33 1/3 RPM record, and teacher's manual are combined in this set to be used in driver education classes at the senior high school level. Their main purpose is to inform future drivers how they can minimize pollution from their automobiles through proper car maintenance and good driving habits. Content of the manual is divided into…

INSURANCE MARKET. GENERAL CONSIDERATIONS OF INSURANCES IN ROMANIA

Directory of Open Access Journals (Sweden)

MARINEL NEDELUŢ

2013-10-01

Full Text Available Insurance is a contract made by a company or society, or by the state, to provide a guarantee for loss, damage, illness, death etc in return for regular payments. In other words it is a means by which one pays a relatively small known cost for protection against an uncertain and much larger cost. Still, this contract (insurance policy makes it possible for the insured to cover only losses that are measurable in terms of money and caused strictly by hazardous events, independent from own doing. If no such events should happen, the benefits won’t exist in a tangible, material form, but will take the shape of security against ruin. Since the insurance industry has developed more during the last decade due to the powerful players that have entered the market, the services provided by the insurance companies, and not only their products have evolved a lot in order to meet the requirements of the consumers, and to make them familiar with this type of investments. Therefore all the means of advertising became essential in this process of implementation and familiarization with this area of activity: mass-media advertising, insurance brokerage companies, the internet are all parts of this process.

Characterization of biological aerosol exposure risks from automobile air conditioning system.

Science.gov (United States)

Li, Jing; Li, Mingzhen; Shen, Fangxia; Zou, Zhuanglei; Yao, Maosheng; Wu, Chang-yu

2013-09-17

Although use of automobile air conditioning (AC) was shown to reduce in-vehicle particle levels, the characterization of its microbial aerosol exposure risks is lacking. Here, both AC and engine filter dust samples were collected from 30 automobiles in four different geographical locations in China. Biological contents (bacteria, fungi, and endotoxin) were studied using culturing, high-throughput gene sequence, and Limulus amebocyte lysate (LAL) methods. In-vehicle viable bioaerosol concentrations were directly monitored using an ultraviolet aerodynamic particle sizer (UVAPS) before and after use of AC for 5, 10, and 15 min. Regardless of locations, the vehicle AC filter dusts were found to be laden with high levels of bacteria (up to 26,150 CFU/mg), fungi (up to 1287 CFU/mg), and endotoxin (up to 5527 EU/mg). More than 400 unique bacterial species, including human opportunistic pathogens, were detected in the filter dusts. In addition, allergenic fungal species were also found abundant. Surprisingly, unexpected fluorescent peaks around 2.5 μm were observed during the first 5 min use of AC, which was attributed to the reaerosolization of those filter-borne microbial agents. The information obtained here can assist in minimizing or preventing the respiratory allergy or infection risk from the use of automobile AC system.

Life Insurance Contribution, Insurance Development and Economic Growth in China

Directory of Open Access Journals (Sweden)

Wang Ying

2017-07-01

Full Text Available Under L-type economy, remodelling the growth power in the medium and long term is essential. The insurance industry during the 13th Five-year Plan period has been given a heavy expectation on promoting economic quality and upgrading economic efficiency, so it will try to accelerate its innovation and development process which serves national needs, market demand and people's requirements. Referring to the previous researches of Solow and Zhang and measuring Capital Stock and Total Factor Productivity independently, the paper analyses the inherent correlation between insurance (including life insurance and non-life insurance and economic growth, reveals the contribution law of the insurance development in economic growth in the short and long term from both economic scale and quality respectively. It also shows enlightenments on policy decision for insurance industry, thus helps economic stability under the downturn periods.

INSURANCE INTERMEDIARIES

Directory of Open Access Journals (Sweden)

Andreea Stoican

2013-11-01

Full Text Available The actual Civil code regulates for the first time in the Romanian legislation the intermediation contract, until its entering into force existing multiple situations that lent themselves to this legal operation, but did not benefit of such particular legal rules. Yet, the case law has shown that the situations that arise in the activity of the legal or natural persons are much more complex, this leading, in time, to the reglementation of such particular rules. Such a case is that found in the matter of insurance contracts, the position of the insurance intermediaries being regulated especially by Law no. 32/2000, according to which they represent the natural or legal persons authorized in the conditions of the above mentioned legal document, that perform intermediation activities in the insurance field, in exchange of a remuneration, as well as the intermediaries from the EU member states that perform such an activity on the Romanian territory, in accordance with the freedom in performing services. Therefore, the present paper aims to analyze the conclusion of such insurance contracts and to underline the particular position of the insurance brokers, having the following structure: 1 Introduction; 2 The reglementation of the intermediation contract/brokerage agreement in the Romanian Law; 3 The importance of the intermediaries in the insurance contracts; 4 The conclusion of the insurance contracts; 5 Conclusions.

MARKETING OF INSURANCE PRODUCTS BY THE NATIONAL INSURANCE COMPANY LIMITED, RAJAPALAYAM

OpenAIRE

Dr. H. Christy Cynthia; Dr. T. Jebasheela; V. Maheswari

2017-01-01

Insurance is a way of reducing uncertainty of occurrence of an event. Insurance is an investment. Its basic purpose is to derive plans to counteract the financial consequences of unfavorable events. Insurance is a social device for eliminating or reducing the cost to society to certain types of risks. Insurance is essentially a co-operative endeavor. It is the function of the insurance to protect the few against the heavy financial impact of anticipated misfortunes by spreading losses among m...

Bioaccumulation of Heavy Metals by Moringa Oleifera in Automobile ...

African Journals Online (AJOL)

Plants accumulate minerals essential for their growth from the environment alongside with heavy metals from contaminated areas.This study investigated bioaccumulation of heavy metals by Moringa oleifera in automobile workshops in three selected local government areas in Ibadan. This was done with a view to ...

[Occupational health services as the insurance product and insurance economic instruments].

Science.gov (United States)

Rydlewska-Liszkowska, Izabela

2014-01-01

One of the most controversial issues in restructuring the Polish health insurance system is the implementation of private voluntary insurance and creation within it a new insurance product known as occupational health services (OHS). In this article some opportunities and dilemmas likely to be faced by providers and employers/employees, when contracting with insurance institutions, are considered as a contribution to the discussion on private insurance in Poland. The basic question is how private insurance institutions could influence the promotion of different preventive activities at the company level by motivating both OHS providers and employers. The descriptive qualitative method has been applied in the analysis of legal acts, scientific publications selected according to keywords (Pubmed), documents and expert evaluations and research project results. Taking into account the experiences of European countries, described in publications, international experts' opinions and results of research projects the solution proposed in Poland could be possible under the following several prerequisites: inclusion of a full scope of occupational health services into the insurance product, constant supervision of occupational medicine professionals, monitoring of the health care quality and the relations between private insurers and OHS provider and implementation of the economic incentives scheme to ensure an adequate position of OHS providers on the market. The proposed reconstruction of the health insurance system, comprising undoubtedly positive elements, may entail some threats in the area of health, organization and economy. Private voluntary health insurance implementation requires precisely defined solutions concerning the scope of insurance product, motivation scheme and information system.

BUSINESS PROCESS MANAGEMENT IN INSURANCE CASE OF JADRANSKO INSURANCE COMPANY

OpenAIRE

Sanja Coric; Danijel Bara

2014-01-01

Selling insurance products in conditions of today’s modern technological solutions is faced with numerous challenges. Business processes in insurance as well as the results of these business processes are the real interface to policyholders. Modeling and analysis of business process in insurance ensure organizations to focus on the customer and increase the efficiency and quality of work. Managing critical business processes in every single organization, likewise in insurance is a key factor ...

OPTIMAL AUTOMOBILE MUFFLER VIBRATION AND NOISE ANALYSIS

Directory of Open Access Journals (Sweden)

Sujit Kumar Jha

2013-06-01

Full Text Available The muffler is the main part of the Automobile Exhaust System, consisting of fibrous and porous materials to absorb noise and vibrations. The exhaust gas mass coming from the engine can produce resonance, which may be the source of fatigue failure in the exhaust pipe due to the presence of continuous resonance. The modes on the muffler should be located away from the engine’s operating frequencies in order to minimise the resonance. The objective of this paper is to determine the frequencies that appear at the modes, which have the more adverse effect during the operation of the automobile. An impact test has been conducted by applying the force using a hard head hammer, and data generated have been used for plotting a graph of the transfer functions using MATLAB. Six points have been selected, namely 1, 2, 3, 4, 7, and 11 on the muffler for the impact test. The collected data from theses six points have been analysed for the addition of damping. Results suggests that increasing the mass increases the damping and lowers the modes of the transfer function. Further research will identify higher strength materials that can withstand the higher gas temperatures as well as the corrosion and erosion by the gas emitted from the engine.

Assessing Cognitive Distraction in the Automobile.

Science.gov (United States)

Strayer, David L; Turrill, Jonna; Cooper, Joel M; Coleman, James R; Medeiros-Ward, Nathan; Biondi, Francesco

2015-12-01

The objective was to establish a systematic framework for measuring and understanding cognitive distraction in the automobile. Driver distraction from secondary in-vehicle activities is increasingly recognized as a significant source of injuries and fatalities on the roadway. Across three studies, participants completed eight in-vehicle tasks commonly performed by the driver of an automobile. Primary, secondary, subjective, and physiological measures were collected and integrated into a cognitive distraction scale. In-vehicle activities, such as listening to the radio or an audio book, were associated with a low level of cognitive workload; the conversation activities of talking to a passenger in the vehicle or conversing with a friend on a handheld or hands-free cell phone were associated with a moderate level of cognitive workload; and using a speech-to-text interfaced e-mail system involved a high level of cognitive workload. The research established that there are significant impairments to driving that stem from the diversion of attention from the task of operating a motor vehicle and that the impairments to driving are directly related to the cognitive workload of these in-vehicle activities. Moreover, the adoption of voice-based systems in the vehicle may have unintended consequences that adversely affect traffic safety. These findings can be used to help inform scientifically based policies on driver distraction, particularly as they relate to cognitive distraction stemming from the diversion of attention to other concurrent activities in the vehicle. © 2015, Human Factors and Ergonomics Society.

The Analysis of Vertical Transaction Behavior and Performance Based on Automobile Brand Trust in Supply Chain

Directory of Open Access Journals (Sweden)

Guanglan Zhou

2016-01-01

Full Text Available The nontrust behaviors among the automobile supply chain members lead to a trust crisis situation. Under such circumstances, this paper studies the mutual influences of trust, enterprise behavior, and transaction performance on the independent brand automobile supply chain. The business behavior concept which consists of information sharing, joint action, and specific asset investment is proposed. Then, the paper tests the reliability and validity of the collected data through Structural Equation Modeling (SEM. Through empirical test and analysis on mutual relationship among vertical transaction enterprise behaviors, trust, and transaction performance, the vertical transaction enterprise behaviors can be regulated, so as to improve the efficiency of independent brand automobile supply chain.

Evaluation of genotoxicity in automobile mechanics occupationally exposed to polycyclic aromatic hydrocarbons using micronuclei and other nuclear abnormalities.

Science.gov (United States)

Khan, Mohammed Rafiq; Sudha, Sellappa

2012-01-01

Occupational and environmental exposures mostly represent mixtures of genotoxic agents, whereas the specificity of biomarker measurements varies widely. Exploration of correlations among biomarkers contributes to the further progress of molecular cancer epidemiology and to the selection of the optimal biomarkers for the investigation of human exposure to carcinogens. The aim of this study was to assess the potential cytogenetic damage associated with occupational exposure to Polycyclic Aromatic Hydrocarbons (PAHs) among automobile mechanics by using Micronuclei (MN) and other Nuclear Abnormalities (NA) as a biomarker. The study population composed of 110 occupationally exposed automobile mechanics and 100 unexposed controls. All the study participants were males. Both the exposed and control individuals were selected from automobile garages located in the urban area of Coimbatore City, South India. Exfoliated buccal cells were collected from 110 automobile mechanics and 100 age and sex matched controls. Further, cells were examined for MN frequency and Nuclear Abnormalities (NA) other than micronuclei, such as binucleates, broken eggs and karyolysis. Results showed a statistically significant difference between occupationally exposed automobile mechanics and control groups. MN and NA frequencies in automobile mechanics were significantly higher than those in control groups (p < 0.05) and also significantly related to smoking habit (p < 0.05). In addition, a higher degree of NA was observed among the exposed subjects with smoking, drinking, tobacco chewing, which is an indicative of cytogenetic damage in these individuals. MN and other NA reflect genetic changes, events associated with carcinogenesis. Therefore, the results of this study indicate that automobile mechanics exposed to PAHs are under risk of significant cytogenetic damage. Therefore, it is important to provide and offer better awareness of occupational hazards among these workers to promote

Insurance of nuclear risk

International Nuclear Information System (INIS)

Lacroix, M.

1976-01-01

Insurance for large nuclear installations covers mainly four types of risk: third party liability which in accordance with the nuclear conventions, is borne by a nuclear operator following an incident occurring in his installation or during transport of nuclear substances; material damage to the installation itself, which precisely is not covered by third party liability insurance; machinery breakdown, i.e. accidental damage or interruption of operation. Only the first category must be insured. In view of the magnitude of the risk, nuclear insurance resorts to co-insurance and reinsurance techniques which results in a special organisation of the nuclear insurance market, based on national nuclear insurance pools and on the Standing Committee on Atomic Risk of the European Insurance Committee. Conferences of the chairmen of nuclear insurance pools are convened regularly at a worldwide level. (NEA) [fr

Alternative propulsion for automobiles

CERN Document Server

Stan, Cornel

2017-01-01

The book presents – based on the most recent research and development results worldwide - the perspectives of new propulsion concepts such as electric cars with batteries and fuel cells, and furthermore plug in hybrids with conventional and alternative fuels. The propulsion concepts are evaluated based on specific power, torque characteristic, acceleration behaviour, specific fuel consumption and pollutant emissions. The alternative fuels are discussed in terms of availability, production, technical complexity of the storage on board, costs, safety and infrastructure. The book presents summarized data about vehicles with electric and hybrid propulsion. The propulsion of future cars will be marked by diversity – from compact electric city cars and range extender vehicles for suburban and rural areas up to hybrid or plug in SUV´s, Pick up´s and luxury class automobiles.

Kryptonate-based instrumentation development for automobile exhaust pollutants. Phase III report: design and construction of four (4) experimental models

International Nuclear Information System (INIS)

Goodman, P.; Donaghue, T.

This phase of the program encompasses the design, construction and evaluation of four (4) prototype instruments for the detection of automobile exhaust pollutant. These instruments employ the radio release mechanism utilized by Panametrics in detection of various trace gases. The prototype instruments are of two (2) designs. One design is operable from a power source supplied by an automobile battery. The second design is operable from 110 volts AC power. Successful evaluation in the laboratory as well as with various automobiles were performed with both type instruments. Scale-up of the quantity of sensor material prepared introduced unexpected problems with respect to detection lifetime which were not satisfactorily resolved within the time and funds available to the program. Nevertheless, a Kryptonate-based instrument using a single detection method for the measurement of hydrocarbons, CO and NO/sub x/ as pollutants by automobile exhausts was shown to be operable with actual automobile exhausts, to provide more than adequate sensitivity for inspection purposes, and to provide response and recovery times for full scale reading in the range 10-15 secs. (auth)

THE MODEL OF INTERACTION BETWEEN INSURANCE INTERMEDIARIES AND INSURANCE COMPANIES IN THE ASSURANCE OF SUSTAINABLE DEVELOPMENT OF THE INSURANCE MARKET

Directory of Open Access Journals (Sweden)

Nataliia Kudriavska

2017-11-01

Full Text Available The purpose of this paper is the investigation of the model of interaction between insurance intermediaries and insurance companies in the assurance of sustainable development of the insurance market. The methodology is based on the new studies and books. It is underlined the importance of potency and effectiveness of this model, its influence on the insurance market stability. It is analysed the European experience and specific of Ukrainian insurance market. The main ways for improving its model and ways of its practical realization are characterized. Results. The problems that exist in the broker market in general are connected with an ineffective state policy. In particular, we can say about the absence of many laws, acts, resolutions, which explain what a broker have to do in case of different problems with insurance companies, another brokers and clients. At the same time, the problem of distrust to national brokers exists. It provokes a decline of the demand for their services and so on. However, it is possible to solve these problems. Practical implications. For this, it is necessary to do some acts. The first one is to implement resolutions that regulate relationships between insurance brokers and insurance companies, clearly regulate the model of its interaction. This model affects the stability of the insurance market in general. The second is to find methods of solving problems of the increase in insurance culture of the population (for example, by the way of advertisement. The third one is to solve problems connected with the appearance of foreign brokers in the insurance market of Ukraine. Actually, the Ukrainian market of insurance brokers is not developed enough. That is why it needs big changes and reforms. Value/originality. Among alternatives of the strategic development of insurance, the method of quick liberalization and gradual development is distinguished. According to the liberal way, it is possible to transfer to the

Real Time Speed Measure while Automobile Braking on Soft Sensing Technique

Energy Technology Data Exchange (ETDEWEB)

Zhu, W B; Li, D S; Lu, Y [China Jiliang University, Hangzhou, Zhejiang province, 310018 (China)

2006-10-15

Because the braking performance of automobile has close relationship to traffic safety, it is important to detect that. Focusing on the problem that the real time speed is difficult to obtain in detection process, soft sensing technique is introduced in this paper. According to analyzing the relationship of the dynamics equation of a moving automobile, a module of real time speed of braking is set up. By using imitation method with experiment data to get the pressure function of cylinder and analyzing the relationship between the trigging moment of a wheel and the pressure function of brake cylinder, the real time speed is confirmed in good precision. The maximal measurement error of real time speed is 8.7% and the precision can satisfy engineering request.

Investigation of Electrical Energy Efficiency Use in an Automobile Assembly Industry

Directory of Open Access Journals (Sweden)

Jacob TSADO

2016-12-01

Full Text Available This research work investigated the electrical energy efficiency improvement and cost saving potentials for automobile assembly plant; a case of Peugeot Automobile Nigeria Limited. The study identified lighting system as a major source through which energy is being wasted, hence efficient energy saving lighting systems are being proffered; also saving accrued were determined to justify their deployment. In the course of this work, an energy saving calculating tool was developed to calculate energy saving capabilities using energy efficient lamps. With ample devotion to the implementation of the recommendations made, the cost of energy per car will be drastically reduced while profits are also made simultaneously. In all, more cars will be produced thus translating to more employment opportunities in the industry.

Real Time Speed Measure while Automobile Braking on Soft Sensing Technique

International Nuclear Information System (INIS)

Zhu, W B; Li, D S; Lu, Y

2006-01-01

Because the braking performance of automobile has close relationship to traffic safety, it is important to detect that. Focusing on the problem that the real time speed is difficult to obtain in detection process, soft sensing technique is introduced in this paper. According to analyzing the relationship of the dynamics equation of a moving automobile, a module of real time speed of braking is set up. By using imitation method with experiment data to get the pressure function of cylinder and analyzing the relationship between the trigging moment of a wheel and the pressure function of brake cylinder, the real time speed is confirmed in good precision. The maximal measurement error of real time speed is 8.7% and the precision can satisfy engineering request

41 CFR 60-741.25 - Health insurance, life insurance and other benefit plans.

Science.gov (United States)

2010-07-01

... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-741.25 Section 60-741.25 Public Contracts and Property Management... Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service...

77 FR 25349 - Mutual Insurance Holding Company Treated as Insurance Company

Science.gov (United States)

2012-04-30

..., the first mutual fire insurer was established. The first American mutual insurance company, the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire, was founded in 1752.\\3\\ \\3\\ The...

China's Insurance Regulatory Reform, Corporate Governance Behavior and Insurers' Governance Effectiveness.

Science.gov (United States)

Li, Huicong; Zhang, Hongliang; Tsai, Sang-Bing; Qiu, Aichao

2017-10-17

External regulation is an important mechanism to improve corporate behavior in emerging markets. China's insurance governance regulation, which began to supervise and guide insurance corporate governance behavior in 2006, has experienced a complex process of reform. This study tested our hypotheses with a sample of 85 firms during 2010-2011, which was obtained by providing a questionnaire to all of China's shareholding insurance companies. The empirical study results generally show that China's insurance governance effectiveness has significantly improved through strict regulation. Insurance corporate governance can improve business acumen and risk-control ability, but no significant evidence was found to prove its influence on profitability, as a result of focusing less attention on governance than on management. State ownership is associated with higher corporate governance effectiveness than non-state ownership. Listed companies tend to outperform non-listed firms, and life insurance corporate governance is more effective than that of property insurers. This study not only contributes to the comprehensive understanding of corporate governance effectiveness but also to the literature by highlighting the effect of corporate governance regulation in China's insurance industry and other emerging economies of the financial sector.

Insurance Salespeople's Attitudes towards Collusion: The Case of Taiwan’s Car Insurance Industry

OpenAIRE

Lu-Ming Tseng; Wen-Pin Su

2014-01-01

Insurance researchers believe that the increase in insurance fraud may be associated with the unethical decisions made by some insurance salespeople. However, to date, research that has empirically investigated the link between insurance salespeople and collusion is scant. Using the car insurance industry in Taiwan as an example, this paper explores the impact of the opportunity to obtain the fraudulent claim and that of the size of actual loss on car insurance salespeople's attitudes towards...

78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

Science.gov (United States)

2013-09-13

... as a potential global deposit insurer, preserve confidence in the FDIC deposit insurance system, and... the United States.\\2\\ The FDIC generally pays out deposit insurance on the next business day after a... since 2001 and total approximately $1 trillion today. In many cases, these branches do not engage in...

Pricing behaviour of nonprofit insurers in a weakly competitive social health insurance market.

Science.gov (United States)

Douven, Rudy C H M; Schut, Frederik T

2011-03-01

In this paper we examine the pricing behaviour of nonprofit health insurers in the Dutch social health insurance market. Since for-profit insurers were not allowed in this market, potential spillover effects from the presence of for-profit insurers on the behaviour of nonprofit insurers were absent. Using a panel data set for all health insurers operating in the Dutch social health insurance market over the period 1996-2004, we estimate a premium model to determine which factors explain the price setting behaviour of nonprofit health insurers. We find that financial stability rather than profit maximisation offers the best explanation for health plan pricing behaviour. In the presence of weak price competition, health insurers did not set premiums to maximize profits. Nevertheless, our findings suggest that regulations on financial reserves are needed to restrict premiums. Copyright © 2011 Elsevier B.V. All rights reserved.

SYNTHESIS OF AUTOMOBILE IGNITION SYSTEM USING OZONIZED FUEL

Directory of Open Access Journals (Sweden)

O. M. Pilipenko

2015-01-01

Full Text Available The paper presents a mathematical model for electronic control system of the angular ignition timing (AIT in the (ICE, which is running on ozonized fuel. An algorithm for  ignition system control of internal combustion engine using ozonized fuel has been developed in the paper. A structure of the dynamic ignition system while using a control unit for supplying  ozone into fuel with a purpose to improve automobile ecological and economical indices adapted to operational conditions. Application of the given system allows to ensure minimum reduction of operational petrol consumption and concentration of incomplete combustion products due to optimum ozone dosage into the fuel.  The paper proposes a controlled automobile ignition system as a sequential scheme which has a great number of discrete inputs and outputs and many discrete internal  states. The scheme establishes a functional dependence between input and output states. The paper provides an assessment of ecological indices according to massive emissions of carbon monoxide СО, hydrocarbon СпНт and nitric oxide NOx .  The analysis of  investigations results has been carried out in the paper.

The automobile of the future: engine technologies and automotive fuels developed by IFP; l'automobile du futur: les technologies moteurs et carburants developpes par l'IFP

Energy Technology Data Exchange (ETDEWEB)

Appert, O.; Pinchon, Ph.

2004-07-01

In front of the challenges of climate change and depletion of petroleum reserves, in front of the continuous strengthening of pollution regulations applied to automobile (Euro IV and V) and the advances of R and D, several ways of research can be explored to answer the mobility needs of the coming decades. The IFP takes stock of these topics in this press kit which comprises 11 documents: the synthesis of O. Appert and P. Pinchon's talk about 'the cleaner and multi-energies automobile of the future', the slides of this presentation, the future evolutions of automobiles motorizations, the long-term evolutions of engines/fuels (brief for the Panorama 2004 colloquium), diesel fuel in the USA (brief for the Panorama 2004 colloquium), bio-fuels in Europe (brief for the Panorama 2004 colloquium), diesel pollution abatement: efficient results from the IFP's diesel combustion process 'NADI'(TM), the presentation of the IFP scientific meeting of September 22-23, 2004 'which fuels for low CO{sub 2} engines?', the strategic positioning of IFP in the world energy and environmental context, the brochures 'IFP engines and fuels: a competitive advantage' and 'innovating for a sustainable development in the domain of energy'. (J.S.)

Probabilistic insurance

OpenAIRE

Wakker, P.P.; Thaler, R.H.; Tversky, A.

1997-01-01

textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these preferences are intuitively appealing they are difficult to reconcile with expected utility theory. Under highly plausible assumptions about the utility function, willingness to pay for probabilistic i...

Influence of Product Quality, Brand Image and Price Concerning Automobile Buying Decision of Toyota Avanza at PT. Nasmoco Majapahit Semarang

OpenAIRE

Putra, Arya Willis Nugraha; Waluyo, Handoyo Djoko; Nugraha, Hari Susanta

2015-01-01

This research was based on rapid automotive sector business development, especially automobile. Specifically, this research was discuss about automobile buying of Toyota Avanza brand at PT Nasmoco Majapahit Semarang during 2011 - 2014 keep have sale descending and it's sale target. If that case wasn't improve and solve, probably will presence problem for PT. Nasmoco Majapahit Semarang next.Aim of this research was to found product quality, brand image and price concerning automobile buying de...

29 CFR 500.104 - Department of Labor standards for passenger automobiles and station wagons and transportation of...

Science.gov (United States)

2010-07-01

... holding on an incline. Brake systems shall be free of leaks. (c) Tires. Tires shall have at least 2/32... 29 Labor 3 2010-07-01 2010-07-01 false Department of Labor standards for passenger automobiles and... of Labor standards for passenger automobiles and station wagons and transportation of seventy-five...

Automobile Engine: Basic Ignition Timing. Fordson Bilingual Demonstration Project.

Science.gov (United States)

Vick, James E.

These two vocational instructional modules on basic automobile ignition timing and on engine operation, four-stroke cycle, are two of eight such modules designed to assist recently arrived Arab students, limited in English proficiency (LEP), in critical instructional areas in a comprehensive high school. Goal stated for this module is for the…

Micro-electronics and employment in the Japanese automobile industry.

OpenAIRE

Watanabe, S

1984-01-01

ILO pub-WEP pub. Working paper on the employment effects of microelectronics technological change and industrial robots in the motor vehicle industry in Japan - examines industrial processes, labour productivity, job requirements of automobile workers, effects on the subcontracting system and small scale industry, diffusion patterns and prospects, etc. Bibliography, references and statistical tables.

485 assessment of the problems of manual automobile tyre bead

African Journals Online (AJOL)

eobe

rim bead bond must be broken to carry out repairs on a failed automobile tyre. ... engine will not be transformed into the motion of the vehicle. It provides the only point of contact between ..... Popular Mechanic 162 (6): 62. http://books.google.

Factors behind international relocation and changes in production geography in the European automobile components industry

OpenAIRE

Jesús F. Lampón; Santiago Lago-Peñas

2013-01-01

This article analyses business strategies in the automobile sector to determine the key factors behind production relocation processes in automobile components suppliers. These factors help explain changes in production geography in the sector not only in terms of location advantages but also from a perspective of corporate strategies and decision-making mechanisms within firms. The results obtained from an empirical study in Spain during the period 2001-2008 show how the components sector h...

Chinese automobile industry: opportunities and business; El sector automovilistico Chino: oportunidades y negocios

Energy Technology Data Exchange (ETDEWEB)

Zhang Zhang, Y.

2010-07-01

The emergence of Chinese economy and its rapid recovery from global crisis have sustained a high rate of growth in Chinese automobile market. The article analyzes the industrial evolution of this particular market from the perspective of automobile manufacturers. Two concrete proposals have been suggested to explore these business opportunities exposed in the analyzed industry: investment in China to take advantage of market growth and hence gaining global competitive advantages, and being strategic partner of Chinese enterprises in European and global market. Strategic alternatives for both proposals have been discussed with suggestions and conclusions followed. (Author) 11 refs.

Women's Health Insurance Coverage

Science.gov (United States)

... Women's Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Published: Oct 31, 2017 Facebook Twitter LinkedIn ... that many women continue to face. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57.9 million ...

Additives: The key for automobiles to meet new emission standards

International Nuclear Information System (INIS)

Friedman, J.R.

1992-01-01

Many cities have been perplexed with automobile emissions causing them to become non-attainment areas. These cities usually resort to such tactics as trying to get people to car pool. In principle the concept is excellent, however, the American public is not ready to give up the independence of using their own automobile. Reformulated gasolines are presently being produced and plans for additional plants are being made to meet EPA gasoline requirements. How much reformulated gasoline is available? Where is the present production going? Who else has needs? Does Gasohol have any possibilities still? What contribution can other additives make and are there any bright spots on the horizon and if so what are they? All this will be revealed in this talk and paper at ETE. There will also be a panel discussion for others to present their ideas and contribute to the program

CURRENT CHANGES ON INSURANCE MARKET

Directory of Open Access Journals (Sweden)

Madalina Giorgiana MANGRA

2016-12-01

Full Text Available The offer of insurance products is about the requirements and needs of the consumer who must always have information regarding: the type of insurance risk covered and the excluded risks, the sum insured, the payment of premiums and their duration. The accurate information of customer requires, from the commencement of contract and throughout its duration, that he or she is aware of the obligations throughout the contractual period. Most of the Romanians are turning their attention to one of the insurance companies found in the top 10 in 2016, supervised by F.S.A. (Financial Supervision Authority, preferring to have a policy of mandatory household and goods insurance, auto liability or life insurance, but are also interested in travel health insurance when going abroad, private health insurance or private pension insurance. Romanians' reluctance regarding the conclusion of an insurance comes from their distrust in insurance companies (see the situations of companies like Astra Insurance, Carpatica Insurance etc., their personal financial situation and the fear that they will not receive protection if the risk is covered but the insured sum is insufficient

Automobile air-conditioning its energy and environmental impact; La climatisation automobile impact energetique et environnemental

Energy Technology Data Exchange (ETDEWEB)

Barbusse, St.; Gagnepain, L.

2003-05-01

Over the last three decades, automobile manufacturers have made a lot of progress in specific fuel consumption and engine emissions of pollutants. Yet the impact of these improvements on vehicle consumption has been limited by increased dynamic performances (maxi-mum speed, torque), increased safety (power steering and power brakes) and increased comfort (noise and vibration reduction, electric windows and thermal comfort). Because of this, the real CO{sub 2}-emission levels in vehicles is still high in a context where road transport is a major factor in the balance sheet of greenhouse gas emissions, thus in complying with the inter-national climate convention. Although European, Japanese and Korean manufacturers signed an important agreement with the European Commission for voluntarily reducing CO{sub 2} emissions from their vehicles, with a weighted average emission goal by sales of 140 grams per km on the MVEG approval cycle by 2008, it has to be noted that the European procedures for measuring fuel consumption and CO{sub 2} emissions do not take accessories into account, especially air-condition ng (A/C). The big dissemination of this equipment recognized as a big energy consumer and as using a refrigerant with a high global warming potential ed ADEME to implement a set of assessments of A/C's energy and environmental impact. In particular these assessments include studies of vehicle equipment rates, analyses of impact on fuel consumption as well as regulated pollutant emissions in the exhaust, a characterization of the refrigerant leakage levels and an estimate of greenhouse gas emissions for all air-conditioned vehicles. This leaflet summarizes the results of these actions. All of these studies and additional data are presented in greater detail in the document,-'Automobile Air-conditioning' (ADEME reference no. 4985). (author)

OPTIMAL AUTOMOBILE MUFFLER VIBRATION AND NOISE ANALYSIS

Directory of Open Access Journals (Sweden)

Sujit Kumar Jha

2013-06-01

Full Text Available The muffler is the main part of the Automobile Exhaust System, consisting of fibrous and porous materials to absorb noise and vibrations. The exhaust gas mass coming from the engine can produce resonance, which may be the source of fatigue failure in the exhaust pipe due to the presence of continuous resonance. The modes on the muffler should be located away from the engine’s operating frequencies in order to minimise the resonance. The objective of this paper is to determine the frequencies that appear at the modes, which have the more adverse effect during the operation of the automobile. An impact test has been conducted by applying the force using a hard head hammer, and data generated have been used for plotting a graph of the transfer functions using MATLAB. Six points have been selected, namely 1, 2, 3, 4, 7, and 11 on the muffler for the impact test. The collected data from theses six points have been analysed for the addition of damping. Results suggests that increasing the mass increases the damping and lowers the modes of the transfer function. Further research will identify higher strength materials that can withstand the higher gas temperatures as well as the corrosion and erosion by the gas emitted from the engine. muffler, noise, vibration,modal analysis,

SERVICE QUALITY MEASUREMENT AND DEMAND FOR INSURANCE: AN EMPIRICAL STUDY FROM NIGERIAN INSURANCE INDUSTRY

Directory of Open Access Journals (Sweden)

Abass, OlufemiAdebowale

2016-11-01

Full Text Available Insurance provides financial protection to the insured, though; its acceptance by Nigerian insuring public is still low. This can sharply be traced to low awareness of insurance service. More importantly, quality of service to the few who embraced it had been low. Therefore, insuring public perceives insurance service as defective because customers’ expectations are not met. The objective of this research is to find out whether application of service quality measurement will drive demand for insurance products. Hypothesis was tested to find out whether SERVQUAL measurement is not significantly related to demand for insurance products in Nigeria. The study adopts descriptive research design; hypothesis was tested using regression analysis. The study reveals that there is a significant relationship between application of SERVQUAL measurement and demand for insurance. It is recommended that insurance companies operating in Nigeria should adopt SERVQUAL measurement which will further increase customer retention and loyalty.

Heat rejection efficiency research of new energy automobile radiators

Science.gov (United States)

Ma, W. S.; Shen, W. X.; Zhang, L. W.

2018-03-01

The driving system of new energy vehicle has larger heat load than conventional engine. How to ensure the heat dissipation performance of the cooling system is the focus of the design of new energy vehicle thermal management system. In this paper, the heat dissipation efficiency of the radiator of the hybrid electric vehicle is taken as the research object, the heat dissipation efficiency of the radiator of the new energy vehicle is studied through the multi-working-condition enthalpy difference test. In this paper, the test method in the current standard QC/T 468-2010 “automobile radiator” is taken, but not limited to the test conditions specified in the standard, 5 types of automobile radiator are chosen, each of them is tested 20 times in simulated condition of different wind speed and engine inlet temperature. Finally, regression analysis is carried out for the test results, and regression equation describing the relationship of radiator heat dissipation heat dissipation efficiency air side flow rate cooling medium velocity and inlet air temperature is obtained, and the influence rule is systematically discussed.

The impact of internationalisation and rationalisation of production on the Spanish automobile industry, 1950 - 90

OpenAIRE

A Lagendijk

1995-01-01

The author examines the impact of the internationalisation of automobile production on the local production system in Spain, with emphasis on the relationship between the assembly and supply industries. After an introduction to the issue of linkage formation in the automobile industry, a historical overview of the development of the Spanish production system since the 1950s is presented. This is followed by an analysis of recent changes in the production and procurement strategies of internat...

78 FR 33690 - Common Crop Insurance Regulations; Pecan Crop Insurance Provisions; Correction

Science.gov (United States)

2013-06-05

...-0008] RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Crop Insurance Provisions; Correction... FR 13454-13460). The regulation pertains to the insurance of Pecans. DATES: Effective Date: June 5...: [[Page 33691

Assessment of the Problems of Manual Automobile Tyre Bead ...

African Journals Online (AJOL)

The tyre-rim bead bond must be broken to carry out repairs on a failed automobile tyre. The use of the locally fabricated manual bead breaking equipment as it is being practiced today by commercial tyre repair artisans in Nigeria is characterized by drudgery. This article reports a study of the local manual bead breaking ...

Health Insurance

Science.gov (United States)

Health insurance helps protect you from high medical care costs. It is a contract between you and your ... Many people in the United States get a health insurance policy through their employers. In most cases, the ...

Health insurance basic actuarial models

CERN Document Server

Pitacco, Ermanno

2014-01-01

Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...

Modernization of the Russian Automobile Road Network on the Base of Innovative Technologies

Directory of Open Access Journals (Sweden)

E. A. Zhukov

2017-01-01

Full Text Available Purpose: the main goal of the article is to build a conceptual model for the organization of effective functioning of the points of economic and innovative growth of the region in modern conditions, taking into account regional and municipal limitations of internal and external nature, with the aim of ensuring economic security, effective interaction of subjects of the "business-power" system Taking into account the influence of institutional factors. Methods: in the present study the following methods were used: systemic approach, methods of social diagnosis, comparative analysis, method of expert evaluations, and method of statistical processing of information. Results: the short characteristic of modern development and technical level of the Russian automobile roads network as the important part of the automobile roads material-technical base is presented. Realization process of the actual task putted by Russian President V.V. Putin to transport builders: two times increasing construction of automobile roads is analyzed. The reality of decision this task due to modernization roads economy material-technical base on the base of innovative technologies and progressive world experience in the field of roads construction is scientifically proved. Conclusions and Relevance: in spite of losing now in decision of the actual task putted by Russian President V.V. Putin to transport builders: two times increasing construction of automobile roads, nevertheless the real possibilities to reach the important aim still remain. It may be done only due to scientifically grounded modernization of the roads economy material-technical base on the base of innovative technologies and progressive world experience in the field of roads construction 

Insuring Care: Paperwork, Insurance Rules, and Clinical Labor at a U.S. Transgender Clinic.

Science.gov (United States)

van Eijk, Marieke

2017-12-01

What is a clinician to do when people needing medical care do not have access to consistent or sufficient health insurance coverage and cannot pay for care privately? Analyzing ethnographically how clinicians at a university-based transgender clinic in the United States responded to this challenge, I examine the U.S. health insurance system, insurance paperwork, and administrative procedures that shape transgender care delivery. To buffer the impact of the system's failure to provide sufficient health insurance coverage for transgender care, clinicians blended administrative routines with psychological therapy, counseled people's minds and finances, and leveraged the prestige of their clinic in attempts to create space for gender nonconforming embodiments in gender conservative insurance policies. My analysis demonstrates that in a market-based health insurance system with multiple payers and gender binary insurance rules, health care may be unaffordable, or remain financially challenging, even for transgender people with health insurance. Moreover, insurance carriers' "reliance" on clinicians' insurance-related labor is problematic as it exacerbates existing insurance barriers to the accessibility and affordability of transgender care and obscures the workings of a financial payment model that prioritizes economic expediency over gender nonconforming health.

How do health insurer market concentration and bargaining power with hospitals affect health insurance premiums?

Science.gov (United States)

Trish, Erin E; Herring, Bradley J

2015-07-01

The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly. Policymakers have focused on the possible link between the two, leading to ACA provisions to increase insurer competition. However, while market power may enable insurers to include higher profit margins in their premiums, it may also result in stronger bargaining leverage with hospitals to negotiate lower payment rates to partially offset these higher premiums. We empirically examine the relationship between employer-sponsored fully-insured health insurance premiums and the level of concentration in local insurer and hospital markets using the nationally-representative 2006-2011 KFF/HRET Employer Health Benefits Survey. We exploit a unique feature of employer-sponsored insurance, in which self-insured employers purchase only administrative services from managed care organizations, to disentangle these different effects on insurer concentration by constructing one concentration measure representing fully-insured plans' transactions with employers and the other concentration measure representing insurers' bargaining with hospitals. As expected, we find that premiums are indeed higher for plans sold in markets with higher levels of concentration relevant to insurer transactions with employers, lower for plans in markets with higher levels of insurer concentration relevant to insurer bargaining with hospitals, and higher for plans in markets with higher levels of hospital market concentration. Copyright © 2015 Elsevier B.V. All rights reserved.

76 FR 20298 - Insurer Reporting Requirements; List of Insurers; Required To File Reports

Science.gov (United States)

2011-04-12

... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... more vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than...

75 FR 34966 - Insurer Reporting Requirements; List of Insurers Required To File Reports

Science.gov (United States)

2010-06-21

... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... the agency. Each insurer's report includes information about thefts and recoveries of motor vehicles... vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than any...

41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

Science.gov (United States)

2010-07-01

... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... VETERANS, AND ARMED FORCES SERVICE MEDAL VETERANS Discrimination Prohibited § 60-300.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

Science.gov (United States)

2010-07-01

... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life... SEPARATED VETERANS, AND OTHER PROTECTED VETERANS Discrimination Prohibited § 60-250.25 Health insurance, life insurance and other benefit plans. (a) An insurer, hospital, or medical service company, health...

Determinants of EDI (Electronic Data Interchange) Adoption and Integration in the US and Japanese Automobile Suppliers

OpenAIRE

Sam Kurokawa; Seiji Manabe

2002-01-01

This paper examines determinants of EDI adoption and integration in the US and Japanese automobile suppliers. The paper constructs several hypotheses based on the transaction-cost and resource- dependence approaches, and tests these hypotheses by using data from the automobile suppliers. Our study shows: (1) the resource-dependence approach seemed more effective in explaining EDI adoption, while the transaction-cost approach seemed more effective in explaining EDI integration; (2) the transac...

Reduced-Order Computational Model for Low-Frequency Dynamics of Automobiles

Directory of Open Access Journals (Sweden)

A. Arnoux

2013-01-01

Full Text Available A reduced-order model is constructed to predict, for the low-frequency range, the dynamical responses in the stiff parts of an automobile constituted of stiff and flexible parts. The vehicle has then many elastic modes in this range due to the presence of many flexible parts and equipment. A nonusual reduced-order model is introduced. The family of the elastic modes is not used and is replaced by an adapted vector basis of the admissible space of global displacements. Such a construction requires a decomposition of the domain of the structure in subdomains in order to control the spatial wave length of the global displacements. The fast marching method is used to carry out the subdomain decomposition. A probabilistic model of uncertainties is introduced. The parameters controlling the level of uncertainties are estimated solving a statistical inverse problem. The methodology is validated with a large computational model of an automobile.

Public Insurance and Equality

DEFF Research Database (Denmark)

Landes, Xavier; Néron, Pierre-Yves

2015-01-01

Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked...

Role of fin material and nanofluid in performance enhancement of automobile radiator

Science.gov (United States)

Jadar, Raju; Shashishekar, K. S.; Channa Keshava Naik, N.

2018-04-01

An effective cooling system can avoid engine and its components from overheating and helps in achieving optimum engine performance. This work deals with the fabrication and performance evaluation of an automobile radiator with i) Aluminum fins and ii) Al-MWCNT fins using 0.1 w/v% f-MWCNT nanofluid. F-MWCNT nanoparticles in the base fluid improves the rate of heat transfer in an automobile radiator integrated with Al-MWCNT fins. The enhancement of heat transfer mainly depends on the quantity of F-MWCNT nanoparticles added to the host fluid. During the study it was found that at a low weight by volume concentration of nanofluid the heat transfer enhancement of 8% was achieved using Al-MWCNT fins compared to base fluid.

Farmers Insures Success

Science.gov (United States)

Freifeld, Lorri

2012-01-01

Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…

76 FR 41138 - Insurer Reporting Requirements; List of Insurers Required To File Reports

Science.gov (United States)

2011-07-13

... passenger motor vehicle insurers that are required to file reports on their motor vehicle theft loss... information about thefts and recoveries of motor vehicles, the rating rules used by the insurer to establish... companies with a fleet of 20 or more vehicles not covered by theft insurance policies issued by insurers of...

Sum Insured Determination for Cereal, Citrus and Vineyards in the Spanish Agricultural Insurance System

Science.gov (United States)

Lozano, C.; Tarquis, A. M.; Gómez-Barona, J. A.

2012-04-01

In general, insurance is a form of risk management used to hedge against a contingent loss. The conventional definition is the equitable transfer of a risk of loss from one entity to another in exchange for a premium or a guaranteed and quantifiable small loss to prevent a large and possibly devastating loss being agricultural insurance a special line of property insurance. Agriculture insurance, as actually are designed in the Spanish scenario, were established in 1978. At the macroeconomic insurance studies scale, it is necessary to know a basic element for the insurance actuarial components: sum insured. When a new risk assessment has to be evaluated in the insurance framework, it is essential to determinate venture capital in the total Spanish agriculture. In this study, three different crops (cereal, citrus and vineyards) cases are showed to determinate sum insured as they are representative of the cases found in the Spanish agriculture. Crop sum insured is calculated by the product of crop surface, unit surface production and crop price insured. In the cereal case, winter as spring cereal sowing, represents the highest Spanish crop surface, above to 6 millions of hectares (ha). Meanwhile, the four citrus species (oranges, mandarins, lemons and grapefruits) occupied an extension just over 275.000 ha. On the other hand, vineyard target to wine process shows almost one million of ha in Spain. A new method has been applied to estimate crop sum insured in these three cases. Under the maximum economic impact assumption, the maximum market price has been used to insurance each species. Depending on crop and reliability of the data base available, the insured area or insured production has been used in this estimation. When for a certain crop varieties or type of varieties show different insurance prices a geometric average was used as average insurance price for that particular crop. One extreme difficult case was vineyards, where differentiate prices based on

Characteristics of motorcyclists involved in accidents between motorcycles and automobiles.

Science.gov (United States)

Oliveira, Amanda Lima de; Petroianu, Andy; Gonçalves, Dafne Maria Villar; Pereira, Gisele Araújo; Alberti, Luiz Ronaldo

2015-01-01

traffic accidents are one of the main causes of death and disability, with motorcyclists representing the great majority of both the victims and the perpetrators. this work studied the characteristics of motorcyclists injured in accidents involving motorcycles and automobiles. this study sought to interview 100 motorcyclists who had been injured in collisions between motorcycles and automobiles, and who were undergoing emergency hospital treatment in the region of Belo Horizonte, Brazil. The questionnaires included demographic information (age, gender, skin color, education level, profession) and questions about years of licensed driving practice, how often they would drive an automobile, how long they had had a motorcycle driver's license, how often they would ride a motorcycle, the number of prior accidents involving a car, and the number of prior accidents not involving a car. of the 100 consecutive accidents studied, 91 occurred with men and 9 with women, aged between 16 and 79 (m = 29 ± 11) years. Regarding their reason for using a motorcycle, 83% reported using it for transport, 7% for work, and 10% for leisure. Most of these accident victims had secondary or higher education (47%). Of the motorcyclists who held a car driver's license, 68.3% drove the vehicle daily or weekly and held the license for more than one year. Sixty-seven percent of the accident victims used a motorcycle daily and had a motorcycle driver's license for at least one year. among the motorcyclists injured, most were men aged 20 years or older, with complete secondary education, and experienced in driving both motorcycles and cars, indicating that recklessness while driving the motorcycle is the main cause of traffic accidents.

Alternative health insurance schemes

DEFF Research Database (Denmark)

Keiding, Hans; Hansen, Bodil O.

2002-01-01

In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level...... competitive insurance; this situation turns out to be at least as good as either of the alternatives...

78 FR 52780 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

Science.gov (United States)

2013-08-26

...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of FY... Assistance/Subsidy Arrangement (Arrangement), 85 (as of June 2013) private sector property insurers sell... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

77 FR 36566 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

Science.gov (United States)

2012-06-19

...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of FY... Assistance/Subsidy Arrangement (Arrangement), 82 (as of April, 2012) private sector property insurers sell... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

Six changes with the new Regulations on Automobile Loans

Institute of Scientific and Technical Information of China (English)

2004-01-01

<正> On Aug 16, 2004, the People’s Bank of China and China Banking Regulatory Commission (CBRC) jointly issued the new version of the Regulations on Automobile Loans. Due to be put into implementation on Oct 1, the new Regulations change radically compared with the previous version in terms of creditors, possible borrowers, rate of down payments, loan periods, etc.

Insurance: Accounting, Regulation, Actuarial Science

OpenAIRE

Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart

2001-01-01

We shall be examining the following topics: (i) basic frameworks for accounting and for statutory insurance rules; and (ii) actuarial principles of insurance; for both life and nonlife (i.e. casualty and property) insurance.Section 1 introduces insurance terminology, regarding what an operation must include in order to be an insurance operation (the legal, statistical, financial or economic aspects), and introduces the accounting and regulation frameworks and the two actuarial models of insur...

Risk Management in Insurance Companies

OpenAIRE

Yang, Xufeng

2006-01-01

Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...

New Technology and Human Resource Development in the Automobile Industry.

Science.gov (United States)

Organisation for Economic Cooperation and Development, Paris (France). Centre for Educational Research and Innovation.

This document contains five case studies of plants within large enterprises in the automobile industry (Ford, Toyota, Volkswagen, Renault, and Volvo), plus reports of each company's views on human resource development, new technology, and changes in work organization and skill formation. The document is composed of five narrative sections,…

Study of CO2 automobile heating system. Paper no. IGEC-1-129

International Nuclear Information System (INIS)

Zha, S.; Hafner, A.

2005-01-01

Carbon dioxide has become a popular working medium in heat pump water heaters and mobile heat pumping systems due to its environment friendliness and its excellent thermal and transport properties in transcritical cycle. It also looks bright as a complete solution to environmental problem associated with automobile air conditionings. As high efficient mobile engines with less waste heat have been developed, extra heating of the passenger compartment is needed in the cold season. In this investigation, three heating solutions for automobile CO 2 air conditioning systems are provided. They are a bypass CO 2 heating cycle, a conventional CO 2 transcritical heat pump cycle and a high capacity heat pump cycle with economizer. These three solutions are compared with the viewpoints of the efficiency and heating capacity. The test results show that the heating capacity of the bypass heating method is only enough for a small automobile although it has the advantage of simple construction and low investment. The heat pump cycle with economizer applying a special construction reciprocating compressor can obtain a highest capacity even in cold climate. But the investment increase for economizer heat pump cycle includes both the modification of the compressor and the flash tank. And the COPh of economizer heat pump cycle is higher than bypass heating cycle, but lower than conventional heat pump cycle due to the highest capacity operation condition. (author)

Marketing in life insurance

Directory of Open Access Journals (Sweden)

Njegomir Vladimir

2006-01-01

Full Text Available Insurance industry has traditionally been oriented on sale of its products i.e. at the stage which from the aspect of marketing theory can be characterized as sales phase, phase which proceeds the marketing orientation. However, faced with numerous challenges of modern business environment such as globalization, deregulation and sophisticated information technology insurance companies must change their way of doing business. Competition is becoming fierce as insurance companies are faced with competition not only from insurance industry but also from other competitors, such as banks, that are in position to offer product substitutes for life insurance products. In this new environment information about customers and their education are becoming critical factors. Insurance companies must know their customers what influences their demand for life insurance, what is the amount of their income, what is inflation rate, their expenditures on other goods i.e. opportunity costs, etc. Those are factors that force insurance companies to concentrate more on present and potential buyers and their needs and force them to give their best to satisfy those needs in a way that will produce delighted customers.

The automobile and maps in the integration of the Mexican territory, 1929-1962

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Héctor Mendoza Vargas

2015-12-01

Full Text Available This article examines a new social geography opened by the use of the automobile and maps in the Mexican territory between 1929 and 1962. In this temporary scenery, the construction of roads during a considerable span of the 20th Century has been identified as part of the modernization plan of the revolutionary governments of Mexico. This infrastructure furnished the opportunity of getting to know the wide variety of landscapes of the country as never before. A set of new traveling experiences was offered to the middle class at the same time that such diversity of Mexican landscapes caused different emotions through the “pleasure” of ersonally contemplating the rivers, mountains, trees, vegetation, the sea, the hamlets, towns or cities. A central element of this perspective was occupied by the automobile; its presence in Mexico meant a cultural novelty with deep effects and changes in the Mexican society of the 20th Century. The new technological element worked as a new mechanism that started circulating by the roads to observe the landscape. Because of this, we propose the application of three key concepts of space analysis: the circulation territory, the visual territory and the experience territory. Each one of them represents the many sides of the landscape as one study object, and of geography interest, as described below. The territory of circulation came about when the railroads decline started in the twenties and consolidated in the sixties of the past century. That is why in this section we first place a comparative perspective of the motorization levels through the number of inhabitants per automobile in several Latin-American countries having available ordered historical statistics on the matter. Results show a long construction of the automobile culture in this geographic region; construction that incorporated new communication and evolution forms of social groups.

Supplementary insurance as a switching cost for basic health insurance: Empirical results from the Netherlands.

Science.gov (United States)

Willemse-Duijmelinck, Daniëlle M I D; van de Ven, Wynand P M M; Mosca, Ilaria

2017-10-01

Nearly everyone with a supplementary insurance (SI) in the Netherlands takes out the voluntary SI and the mandatory basic insurance (BI) from the same health insurer. Previous studies show that many high-risks perceive SI as a switching cost for BI. Because consumers' current insurer provides them with a guaranteed renewability, SI is a switching cost if insurers apply selective underwriting to new applicants. Several changes in the Dutch health insurance market increased insurers' incentives to counteract adverse selection for SI. Tools to do so are not only selective underwriting, but also risk rating and product differentiation. If all insurers use the latter tools without selective underwriting, SI is not a switching cost for BI. We investigated to what extent insurers used these tools in the periods 2006-2009 and 2014-2015. Only a few insurers applied selective underwriting: in 2015, 86% of insurers used open enrolment for all their SI products, and the other 14% did use open enrolment for their most common SI products. As measured by our indicators, the proportion of insurers applying risk rating or product differentiation did not increase in the periods considered. Due to the fear of reputation loss insurers may have used 'less visible' tools to counteract adverse selection that are indirect forms of risk rating and product differentiation and do not result in switching costs. So, although many high-risks perceive SI as a switching cost, most insurers apply open enrolment for SI. By providing information to high-risks about their switching opportunities, the government could increase consumer choice and thereby insurers' incentives to invest in high-quality care for high-risks. Copyright © 2017 Elsevier B.V. All rights reserved.

Serbian insurance market: Select issues

Directory of Open Access Journals (Sweden)

Obadović Mirjana M.

2010-01-01

Full Text Available Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insurance risk management directly related to insurance company risk, i.e. it is a model that can reliably determine the manner and intensity with which deviations in the initial insurance risk assessment affect insurance company operations, in the form of changes in operational risks and consequently in insurance companies’ business strategies. Additionally we present the implementation of the model in the Serbian market for the period 2005-2010.

[The epidemiological study of work-related musculoskeletal disorders and related factors among automobile assembly workers].

Science.gov (United States)

Wang, Zhong-Xu; Qin, Ru-Li; Li, Yu-Zhen; Zhang, Xue-Yan; Jia, Ning; Zhang, Qiu-Ling; Li, Gang; Zhao, Jie; Li, Huan-Huan; Jiang, Hai-Qiang

2011-08-01

To investigate the work-related musculoskeletal disorders among automobile assembly workers, to discusses the related risk factors and their relationship. The selected 1508 automobile assembly workers from a north car manufacturing company were regarded as the study object. The hazard zone jobs checklist, Nordic musculoskeletal symptom questionnaire (NMQ) and pain questionnaire were used to perform the epidemiological cross-sectional and retrospective survey and study for the General status, awkward ergonomics factors and related influencing factors, and musculoskeletal disorders of workers. The predominant body sites of occurring WMSDs among automobile assembly workers were mainly low back, wrist, neck and shoulders, the predominant workshop section of occurring WMSDs were mostly concentrated in engine compartment, interior ornament, door cover, chassis and debugging section. The predominant body site of WMSDs among engine compartment and chassis section workers was low back, interior ornament workers were low back and wrist, door cover workers was wrist, chassis workers was low back, debugging workers were neck and low back. Neck musculoskeletal disorders had the trend with the increase of a body height; Smoking may increase the occurrence of musculoskeletal disorders. The WMSDs appears to be a serious ergonomic proble assem among automobile assembly workers, predominant occurring site of WMSDs is with different workshop section, its characteristics is quite obvious, probably related to its existing awkward work position or activities. The worker height and smoking habits may be important factors which affect musculoskeletal disorders happen.

The Dynamics of Market Insurance, Insurable Assets, and Wealth Accumulation

OpenAIRE

Koeniger, Winfried

2002-01-01

We analyze dynamic interactions between market insurance, the stock of insurable assets and liquid wealth accumulation in a model with non-durable and durable consumption. The stock of the durable is exposed to risk against which households can insure. Since the model does not have a closed form solution we first provide an analytical approximation for the case in which households own abundant liquid wealth. It turns out that precautionary motives still matter because of fluctuations of the p...

Insurance dictionary

International Nuclear Information System (INIS)

Mueller-Lutz, H.L.

1984-01-01

Special technical terms used in the world of insurance can hardly be found in general dictionaries. This is a gap which the 'Insurance dictionary' now presented is designed to fill. In view of its supplementary function, the number of terms covered is limited to 1200. To make this dictionary especially convenient for ready reference, only the most commonly used translations are given for each key word in any of the four languages. This dictionary is subdivided into four parts, each containing the translation of the selected terms in the three other languages. To further facilitate the use of the booklet, paper of different colours was used for the printing of the German, English, French and Greek sections. The present volume was developed from a Swedish insurance dictionary (Fickordbok Foersaekring), published in 1967, which - with Swedish as the key language- offers English, French and German translations of the basic insurance terms. (orig./HP) [de

Development of automobile brake lining using pulverized cow hooves

Directory of Open Access Journals (Sweden)

Katsina C. BALA

2016-06-01

Full Text Available Asbestos has been used for so long as automobile brake lining material because of its good physical and chemical properties. However, due to the health hazard associated with its handling, it has lost favour and several alternative materials are being increasingly used. Asbestos-free brake lining was developed in this work using pulverized cow hooves along with epoxy resin, barium sulphate, graphite and aluminium oxide. This was with a view to exploiting the characteristics of cow hooves, which are largely discarded as waste materials to replace asbestos which has been found to be carcinogenic. Samples of brake linings were produced using compressive moulding in which the physical and mechanical properties of the samples were studied. The results obtained showed that proper bonding was achieved as the percentage by weight of epoxy resin increased and percentage by weight of pulverized cow hooves decreased. The hardness, compressive strength, coefficient of friction, water and oil absorption, relative density and wear rate of the brake linings were determined and compared with existing brake lining properties. The result indicates that pulverized cow hooves can be used as brake lining material for automobiles.

Wind driven mobile charging of automobile battery- A case study ...

African Journals Online (AJOL)

This paper deals with implementation of mobile wind driven generator technology to produce electricity in charging of two wheeler (12V) automobile battery. The use of PWM methodology with pulse charging method at a constant rate has been adopted for this purpose. The low speed PMSG driven by wind at speed of ...

Dental insurance! Are we ready?

Directory of Open Access Journals (Sweden)

Ravi SS Toor

2011-01-01

Full Text Available Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI bill which was put forward in the winter session of the Lok Sabha (2008 focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.

The insurance of nuclear installations

International Nuclear Information System (INIS)

Francis, H.W.

1977-01-01

A brief account is given of the development of nuclear insurance. The subject is dealt with under the following headings: the need for nuclear insurance, nuclear insurance pools, international co-operation, nuclear installations which may be insured, international conventions relating to the liability of operators of nuclear installations, classes of nuclear insurance, nuclear reactor hazards and their assessment, future developments. (U.K.)

Regulated Medicare Advantage And Marketplace Individual Health Insurance Markets Rely On Insurer Competition.

Science.gov (United States)

Frank, Richard G; McGuire, Thomas G

2017-09-01

Two important individual health insurance markets-Medicare Advantage and the Marketplaces-are tightly regulated but rely on competition among insurers to supply and price health insurance products. Many local health insurance markets have little competition, which increases prices to consumers. Furthermore, both markets are highly subsidized in ways that can exacerbate the impact of market power-that is, the ability to set price above cost-on health insurance prices. Policy makers need to foster robust competition in both sectors and avoid designing subsidies that make the market-power problem worse. Project HOPE—The People-to-People Health Foundation, Inc.

EVOLUTIONS IN GLOBAL AUTOMOBILES INDUSTRY

Directory of Open Access Journals (Sweden)

Viorel Pop

2013-09-01

Full Text Available This paper is a brief overview of the evolution of the global automotive industry during the 20th century, with reference to the main manufacturers, oil crises of 1970-1980, and also the global financial and economic crisis that began in 2008. The analyzed period covers the rise of the Asian Continent, beginning with Japan, then South Korea and more recently the emerging countries: China and India. What was predicted 20-25 years ago, became reality: Asia becomes the economic centre of the world, surpassing unexpectedly fast even the Euro-Atlantic area. Regarding Romania, the revival delay of the automobiles industry, led to the loss of the trucks and bus industry, and after a much awaited rehabilitation of car production, this has stuck now at an unsatisfactory level.

Group Life Insurance

CERN Multimedia

2013-01-01

The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance.   This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF.    The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll.   Upon retirement, the staff member can opt to maintain his membership under certain conditions.   More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...

Nuclear insurance fire risk

International Nuclear Information System (INIS)

Dressler, E.G.

2001-01-01

Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)

Risks and nuclear insurance

International Nuclear Information System (INIS)

Debaets, M.; Springett, G.D.; Luotonen, K.; Virole, J.

1988-01-01

When analysing the nuclear insurance market, three elements must be taken into account: the nuclear operator's liability is regulated by national laws and/or international Conventions, such operators pay large premiums to insure their nuclear installations against property damage and finally, the nuclear insurance market is made up of pools and is mainly a monopoly. This report describes the different types of insurance coverage, the system governing nuclear third party liability under the Paris Convention and the Brussels Supplementary Convention and several national laws in that field. The last part of the report deals with liability and insurance aspects of international transport of nuclear materials [fr

46 CFR 308.403 - Insured amounts.

Science.gov (United States)

2010-10-01

... total amount of war risk insurance obtainable from companies authorized to do an insurance business in a... MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.403 Insured amounts. (a) Prelaunching period. The amount insured during...

THE IMPACT OF COOPERATION BETWEEN INSURERS AND BANKS ON THE DEVELOPMENT OF THE INSURANCE SYSTEM

Directory of Open Access Journals (Sweden)

Nataliya Prikazyuk

2017-11-01

Full Text Available The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks, financial intermediaries’ unions often carry significant risks. Benefits from the cooperation of insurance companies and banks are disclosed with operational, marketing and financial aspects. The purpose of the article is to study the forms of cooperation between financial intermediaries and their impact on the insurance system. Methodology. The study is based on theoretical methods to study this problem. The theoretical and methodological basis of the study is works of scientists on the models of cooperation between insurers and banks. The dialectical method of cognition as well as such methods as logical generalization, structural and systematic analysis are used to study the methodological foundations of banks’ impact on the insurance companies and insurance system. Results. Banking activity has a significant impact on the insurance system. This impact is noticeable at the micro-level: insurers and banks can be clients of each other as well as they can sign cooperation agreements. A significant positive impact of the bancassurance on the activities of both financial institutions within the synergy that appears during their cooperation is highlighted in the article. Respectively, the insurance company and the bank are experiencing the benefits of cooperation along with savings on fixed, variable costs and obtaining additional profits; simplifying and optimization of the process of collecting and processing information; savings on advertising and

Individualized solutions to environmental problems: a case of automobile pollution

Energy Technology Data Exchange (ETDEWEB)

Urmetzer, P.; Blake, D. E.; Guppy, N. [British Columbia Univ., Vancouver, BC (Canada)

1999-09-01

Air pollution associated with motor vehicle use is one of the prime indicators of the tension between consumerism and the environment. The use of private automobiles seems so convenient, whereas the alternatives are off-putting enough to make significant changes in personal transportation behaviour well-nigh impossible. At the same time, combating the air pollution associated with extensive use of cars has become one of the major policy objectives for cities around the world. Available policy alternatives can be divided into two categories: (1) incentives, such as improved public transportation, and (2) disincentives, such as environmental tax on gasoline. This paper attempt to directly assess links between these two alternatives, associated attitudes towards them, the level of public support for command and control (i.e. regulatory) policy approaches as well as for economic incentive/disincentive policies. Answers are sought and findings discussed relative to the link between opinions about the environment and support for different types of environmental policies, the usefulness of a rational choice perspective in explaining support for environmental policy alternatives, the role that partisan political attachments play in support of environmental policy approaches, and the roles played by environmental activism, knowledge, and action in shaping support for environmental policy alternatives. Overall results indicate that while most people living in urban environments support the ideas of environmental protection and would be willing to incur costs to confront the problem, exposure to air pollution plays an inconsequential (actually nearly non-existent) role in support of automobile-related environmental problems. Automobile users act like 'free-riders' i.e. they tend to support policies that socialize the cost of solutions rather than policies that attempt to pass the cost of pollution directly on to individual car owners. A sample of the responses to

Characteristics of motorcyclists involved in accidents between motorcycles and automobiles

Directory of Open Access Journals (Sweden)

Amanda Lima de Oliveira

2015-02-01

Full Text Available Introduction: traffic accidents are one of the main causes of death and disability, with motorcyclists representing the great majority of both the victims and the perpetrators. Objective: this work studied the characteristics of motorcyclists injured in accidents involving motorcycles and automobiles. Method: this study sought to interview 100 motorcyclists who had been injured in collisions between motorcycles and automobiles, and who were undergoing emergency hospital treatment in the region of Belo Horizonte, Brazil. The questionnaires included demographic information (age, gender, skin color, education level, profession and questions about years of licensed driving practice, how often they would drive an automobile, how long they had had a motorcycle driver’s license, how often they would ride a motorcycle, the number of prior accidents involving a car, and the number of prior accidents not involving a car. Results: of the 100 consecutive accidents studied, 91 occurred with men and 9 with women, aged between 16 and 79 (m = 29 ± 11 years. Regarding their reason for using a motorcycle, 83% reported using it for transport, 7% for work, and 10% for leisure. Most of these accident victims had secondary or higher education (47%. Of the motorcyclists who held a car driver’s license, 68.3% drove the vehicle daily or weekly and held the license for more than one year. Sixty-seven percent of the accident victims used a motorcycle daily and had a motorcycle driver’s license for at least one year. Conclusion: among the motorcyclists injured, most were men aged 20 years or older, with complete secondary education, and experienced in driving both motorcycles and cars, indicating that recklessness while driving the motorcycle is the main cause of traffic accidents.

Counseling as an Insured Benefit: Perspectives from the Insurance Industry

Science.gov (United States)

Fulton, Wallace C.

1974-01-01

Article discusses the feasibility of marriage counseling as an insurance benefit in the future. It is suggested that the physician be used as a marriage counselor in that insurance companies will pay for medical services. (EK)

THE ROLE OF REINSURANCE IN INSURANCE

Directory of Open Access Journals (Sweden)

VĂDUVA MARIA

2018-02-01

Full Text Available Insurance companies carry out risk spreading through the co-insurance and reinsurance mechanism, consisting of the participation of more companies in the provision of high-value assets. Reinsurance is a form of insurance whereby an insurance organization can transfer to another reinsurer, partly or fully, its payment obligations arising from the insurance contracts that it has concluded. In the reinsurance ratios, the insurance companies appear in a double position - giving other insurance companies some of the risks assumed under direct insurance, being reinsured, but receiving different risks to reinsurance, acquiring the quality of reinsurers. Reinsurance intends to satisfy some multiple needs of the direct insurer and can provide means to counteract the risks associated with the fluctuations in compensation costs, the reinsurer will contribute to the payment of compensations on behalf of the reinsurer. Life insurance has characteristics that influence reinsurance: the average life of the insurance, the insurance is concluded for a fixed amount insured, the capital accumulation. In life reinsurance, almost all reinsurance arrangements are proportional agreements, and the largest share have the "surplus" agreements. Reinsurance plays an important role because it fulfills the following functions: it confers capacity, creates stability, helps to consolidate financial strength. The adjustment of the client portfolio in terms of the changes of reinsurance agreement, required by the reinsurer, can only be done by concluding the insurance contracts. In life insurance, reinsurance contracts contain provisions that meet the need of the insurer to have long-term protection.

76 FR 31467 - Guide Concerning Fuel Economy Advertising for New Automobiles

Science.gov (United States)

2011-06-01

... the Fuel Economy Guide \\1\\ in 1975 to prevent deceptive fuel economy advertising for new automobiles... Economy Guide. That rulemaking will increase the coverage of EPA's new fuel economy labels to include... issue to new vehicle advertisers in the FTC's Fuel Economy Guide. Therefore, the Commission has...

77 FR 22691 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

Science.gov (United States)

2012-04-17

... 1545-BK59 Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes... certain health insurance policies and plan sponsors of certain self-insured health plans to fund the... health insurance policies) or R. Lisa Mojiri-Azad at (202) 622-6080 (regarding self- insured health...

School Insurance.

Science.gov (United States)

1964

The importance of insurance in the school budget is the theme of this comprehensive bulletin on the practices and policies for Texas school districts. Also considered is the development of desirable school board policies in purchasing insurance and operating the program. Areas of discussion are: risks to be covered, amount of coverage, values,…

Likvidace pojistných událostí

OpenAIRE

Makešová, Veronika

2009-01-01

This Bachelor's thesis deal with the process of liquidation insured accident with externalization to motor-powered vehicle. The thesis is focused on procedure, practice and phase by which the insured accident passes by the liquidation. There are charted the process and the work load of the insurance surveyor. At first there are theoretically delimited individual sorts of automobile insurance, in fact accident insurance and the damage liability, their construction and the creation of reserves....

Loyalty marketing in automobile dealerships : case: car dealer X

OpenAIRE

Hyyryläinen, Heidi

2012-01-01

The purpose of this thesis is to study how customer loyalty is taken into account in automobile dealerships, what loyalty marketing means are used to improve customer loyalty, and what potential new loyalty marketing means can be implemented. The thesis is commissioned by Car dealer X. In the theoretical part, areas covered are customership and loyalty marketing. Customership includes customer satisfaction, customer loyalty, customer value and customer retention. Loyalty marketing contain...

Public health, autonomous automobiles, and the rush to market.

Science.gov (United States)

Kelley, Ben

2017-05-01

The USA has the worst motor vehicle safety problem among high-income countries and is pressing forward with the development of autonomous automobiles to address it. Government guidance and regulation, still inadequate, will be critical to the safety of the public. The analysis of this public health problem in the USA reveals the key factors that will determine the benefits and risks of autonomous vehicles around the world.

ENDOWMENT LIFE INSURANCE

Directory of Open Access Journals (Sweden)

Zeljko Sain

2013-06-01

Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.

A study of automobile exhaust noise preferences

Science.gov (United States)

Haire, Jay B.; Carney, Melinda J.; Cheenne, Dominique J.

2005-04-01

A study was conducted to investigate the relationship between preferences in automobile exhaust noise and the demographic factors of a listening jury. Noise samples of four different vehicles were recorded at idle as well as at 3000 RPM, and 1/3 octave sound spectra were acquired simultaneously. The recordings were presented to the jury using headphones and a preference survey was administered. Zwicker loudness was computed for all samples. Demographic factors such as gender, age, current and future vehicle ownership, were correlated to listening preferences, and unforeseen results were found, especially in regards to sport utility vehicles (SUV).

Study on the visibility of an electroluminescent display for automobiles; Jidoshayo EL display no shininsei

Energy Technology Data Exchange (ETDEWEB)

Matsumoto, N; Harada, M; Idogaki, T [Denso Corp., Aichi (Japan)

1997-10-01

This report explores the visibility of an Electroluminescent (EL) display for automotive use. Displays for automobiles are exposed to the direct rays of the sun and forced to operate in wide temperature range. Therefore, luminous flux density by the lighting on EL display panel and operating environment temperature must be considered for the visibility evaluation. Sensory evaluation on the visibility and physical measurements such as contrast, chromaticity difference in accordance with the viewing angle change indicate that the visibility of the EL display for automobiles is advantageous over other displays. 6 refs., 11 figs., 1 tab.

THE IMPACT OF COOPERATION BETWEEN INSURERS AND BANKS ON THE DEVELOPMENT OF THE INSURANCE SYSTEM

OpenAIRE

Nataliya Prikazyuk; Ganna Oliynik

2017-01-01

The article highlights how the cooperation of insurance companies and banks affects the insurance system. Defined the concept of bancassurance, provided a brief description of the main bancassurance models in the context of their impact on the insurance system. Defined the main benefits and risks that accompany cooperation of insurance companies and banks within different models of association. It is noted that despite the generally accepted benefits of cooperation between insurers and banks,...

The spillover effects of health insurance benefit mandates on public insurance coverage: Evidence from veterans.

Science.gov (United States)

Li, Xiaoxue; Ye, Jinqi

2017-09-01

This study examines how regulations in private health insurance markets affect coverage of public insurance. We focus on mental health parity laws, which mandate private health insurance to provide equal coverage for mental and physical health services. The implementation of mental health parity laws may improve a quality dimension of private health insurance but at increased costs. We graphically develop a conceptual framework and then empirically examine whether the regulations shift individuals from private to public insurance. We exploit state-by-year variation in policy implementation in 1999-2008 and focus on a sample of veterans, who have better access to public insurance than non-veterans. Using data from the Current Population Survey, we find that the parity laws reduce employer-sponsored insurance (ESI) coverage by 2.1% points. The drop in ESI is largely offset by enrollment gains in public insurance, namely through the Veterans Affairs (VA) benefit and Medicaid/Medicare programs. Copyright © 2017 Elsevier B.V. All rights reserved.

Nonlife Insurance Pricing:

Science.gov (United States)

Darooneh, Amir H.

We consider the insurance company as a physical system which is immersed in its environment (the financial market). The insurer company interacts with the market by exchanging the money through the payments for loss claims and receiving the premium. Here, in the equilibrium state, we obtain the premium by using the canonical ensemble theory, and compare it with the Esscher principle, the well-known formula in actuary for premium calculation. We simulate the case of car insurance for quantitative comparison.

Nuclear energy and insurance

International Nuclear Information System (INIS)

Dow, J.C.

1989-01-01

It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)

Forecasting Fire Insurance Loss Ratio in Misr Insurance Company

Directory of Open Access Journals (Sweden)

Tarek TAHA

2017-06-01

Full Text Available Loss ratio is one of the most important indicator that has many strategic decisions applications, such as pricing, underwriting, investment, reinsurance and reserving decisions. It serves as an early warning of financial solvency of insurance companies and it can be judged on the strength of the financial position of these companies. The aim of this study is to identify the reliable time series-forecasting model to forecast loss ratio estimates of fire segment in Misr insurance company. Box-Jenkins Analysis is applied on actual reported loss ratios data for Misr insurance company for the period 1980/1981– 2013/2014. The study concludes that the best forecasting model is ARMA(1,1.

Modern problems in insurance mathematics

CERN Document Server

Martin-Löf, Anders

2014-01-01

This book is a compilation of 21 papers presented at the International Cramér Symposium on Insurance Mathematics (ICSIM) held at Stockholm University in June, 2013. The book comprises selected contributions from several large research communities in modern insurance mathematics and its applications. The main topics represented in the book are modern risk theory and its applications, stochastic modelling of insurance business, new mathematical problems in life and non-life insurance, and related topics in applied and financial mathematics. The book is an original and useful source of inspiration and essential reference for a broad spectrum of theoretical and applied researchers, research students and experts from the insurance business. In this way, Modern Problems in Insurance Mathematics will contribute to the development of research and academy–industry co-operation in the area of insurance mathematics and its applications.

High-speed rail with emerging automobiles and aircraft can reduce environmental impacts in California’s future

International Nuclear Information System (INIS)

Chester, Mikhail; Horvath, Arpad

2012-01-01

Sustainable mobility policy for long-distance transportation services should consider emerging automobiles and aircraft as well as infrastructure and supply chain life-cycle effects in the assessment of new high-speed rail systems. Using the California corridor, future automobiles, high-speed rail and aircraft long-distance travel are evaluated, considering emerging fuel-efficient vehicles, new train designs and the possibility that the region will meet renewable electricity goals. An attributional per passenger-kilometer-traveled life-cycle inventory is first developed including vehicle, infrastructure and energy production components. A consequential life-cycle impact assessment is then established to evaluate existing infrastructure expansion against the construction of a new high-speed rail system. The results show that when using the life-cycle assessment framework, greenhouse gas footprints increase significantly and human health and environmental damage potentials may be dominated by indirect and supply chain components. The environmental payback is most sensitive to the number of automobile trips shifted to high-speed rail, and for greenhouse gases is likely to occur in 20–30 years. A high-speed rail system that is deployed with state-of-the-art trains, electricity that has met renewable goals, and in a configuration that endorses high ridership will provide significant environmental benefits over existing modes. Opportunities exist for reducing the long-distance transportation footprint by incentivizing large automobile trip shifts, meeting clean electricity goals and reducing material production effects. (letter)

Automobile exhausts as a source for the environmental pollution by polychloro-dibenzodioxins and -dibenzofurans

International Nuclear Information System (INIS)

Ballschmiter, K.; Bacher, R.; Riehle, U.; Swerev, M.

1990-01-01

This research project was focussed on the analysis of polyhalogenated dibenzodioxins (''dioxins'') and dibenzofurans (''furans'') emitted through automobile exhausts (halogen = chlorine or bromine). High-resolution selective capillary gas chromatography coupled with mass-selective detection was used. The two compound groups show basic differences in pattern and concentrations for traffic-related samples. In the ''dioxin''-series the higher-chlorinated dibenzodioxins (increasing from Cl 4 to Cl 8 ) are preferentially found, in contrast to the ''furane'', present in higher amounts, for which the lower-halogenated dibenzofurans are more important (decreasing from Cl 1 to Cl 6 and from Br 1 to Br 4 ). The distribution of the dioxin- and furan isomers produced corresponds closely to the so-called ''2,6-type'' pattern which is due to a retarded oxidation and/or a stabilization of phenoxy-intermediates containing the 2,6- or 2,4,6-substitution pattern. To what extent a particular dioxin/furan immission is due to automobile-related emissions can, in the light of the present results, be estimated only by taking several factors into account; source remoteness, the predominance of brominated or partly brominated dibenzofurans over the chlorinated congeners, the presence of other, also halogenated, polycyclic aromatics related to the automobile combustion engine. Areas close to traffic are primarily or completely influenced by the ''dioxin''-emissions of automobiles. For the calculation of the toxic equivalents (TE) for traffic-related emissions, the most important of the ''2,3,7,8''-substituted congeners are the furans 2,3,7,8-Cl 4 DF (F 83) and 2,3,4,7,8-Cl 5 DF (F 114) as well as the dioxins 1,2,3,4,6,7,8-Cl 7 DD (D 73) and octachlorodibenzodioxin (D-75). (orig.) [de

Implementing Automotive Telematics for Fleet Insurance

Directory of Open Access Journals (Sweden)

Marika Azzopardi

2013-12-01

Full Text Available The advantages of Usage-Based Insurance for automotive covers over conventional rating methods have been discussed in literature for over four decades. Notwithstanding their adoption in insurance markets has been slow. This paper seeks to establish the viability of introducing fleet Telematics-Based Insurance by investigating the perceptions of insurance operators, tracking service providers and corporate fleet owners. At its core, the study involves a SWOT-analysis to appraise Telematics-Based Insurance against conventional premium rating systems. Twenty five key stakeholders in Malta, a country with an insurance industry that represents others in microcosm, were interviewed to develop our analysis. We assert that local insurers have interests in such insurance schemes as enhanced fleet management and monitoring translate into an improved insurance risk. The findings presented here have implications for all stakeholders as we argue that telematics enhance fleet management, TBI improves risk management for insurers and adoption of this technology is dependent on telematics providers increasing the perceived control by insurers over managing this technology.

77 FR 28343 - Insurer Reporting Requirements; List of Insurers Required To File Reports

Science.gov (United States)

2012-05-14

... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An... vehicles not covered by theft insurance policies issued by insurers of motor vehicles, other than any... than any governmental entity) used for rental or lease whose vehicles are not covered by theft...

Health Insurance – Affiliation to LAMal insurance for families of CERN personnel

CERN Multimedia

Staff Association

2017-01-01

On May 16, the HR department published in the CERN Bulletin an article concerning cross-border workers (“frontaliers”) and the exercise of the right of choice in health insurance: « In view of the Agreement concluded on 7 July 2016 between Switzerland and France regarding the choice of health insurance system* for persons resident in France and working in Switzerland ("frontaliers"), the Swiss authorities have indicated that those persons who have not “formally exercised their right to choose a health insurance system before 30 September 2017 risk automatically becoming members of the Swiss LAMal system” and having to “pay penalties to their insurers that may amount to several years’ worth of contributions”. Among others, this applies to spouses of members of the CERN personnel who live in France and work in Switzerland. » But the CERN Health Insurance Scheme (CHIS), provides insuranc...

Forest insurance

Science.gov (United States)

Ellis T. Williams

1949-01-01

Standing timber is one of the few important kinds of property that are not generally covered by insurance. Studies made by the Forest Service and other agencies have indicated that the risks involved in the insurance of timber are not unduly great, provided they can be properly distributed. Such studies, however, have thus far failed to induce any notable development...

Optimization of a parity of brake forces of automobiles in view of a bias of road

International Nuclear Information System (INIS)

Davlatshoev, R.A.; Tursunov, A.A.

2006-01-01

In clause it is shown a method optimization of brake of forces in view of a bias road it is established, that in mountain conditions of loss of coupling weight of automobiles than 2-3 times concerning flat conditions therma are more. The degree of use of coupling weight in result use of a regulator of brake forces very much increases also efficiency of brake systems such a kind of automobiles is provided with definition of optimum factor of coupling at which value of loss of coupling weight is provided minimal

The Swiss automobile industry - Situation, structure, trends, challenges and chances; Automobilindustrie Schweiz. Branchenanalyse 2008

Energy Technology Data Exchange (ETDEWEB)

Schulze, A.

2008-07-01

This paper presented at the Swiss 2008 research conference on traffic takes a look at the situation of the Swiss automobile industry in 2008. The results of the study are presented and include figures on the automobile industry, its history, structure, turn-over, employment and its position from the international point of view. Research and development in the sector, investments and challenges faced are discussed. The products and services offered are looked at and the relevant strategies examined. The sector's competitive environment and possibilities for growth are looked at and the advantages offered by strategic partnerships and geographical location are noted. Finally, interviews with important actors in the business are presented.

Efficient using of automobile transport for the deep open-pit mines

OpenAIRE

Dastan MAHAMBETOV; Bayan RAKISHEV; Galymzhan SAMENOV; Aleksander SŁADKOWSKI

2013-01-01

In the paper the method is proposed of substantiation of the major parameters for zones of effective use of automobile transport of different load-carrying capacity by open cast development of the deep deposits. An efficient ratio is determined between the mining and transport equipment by zone-to -zone use.

75 FR 54041 - Insurer Reporting Requirements; List of Insurers Required To File Reports

Science.gov (United States)

2010-09-03

.... Each insurer's report includes information about thefts and recoveries of motor vehicles, the rating... state and; (3) Rental and leasing companies with a fleet of 20 or more vehicles not covered by theft...) used for rental or lease whose vehicles are not covered by theft insurance policies issued by insurers...

48 CFR 28.308 - Self-insurance.

Science.gov (United States)

2010-10-01

... REQUIREMENTS BONDS AND INSURANCE Insurance 28.308 Self-insurance. (a) When it is anticipated that 50 percent or... risks, limits of coverage, assignments of safety and loss control, and legal service responsibilities... projected average loss; and (10) A disclosure of all captive insurance company and re-insurance agreements...

On the contribution of polycyclic aromatic hydrocarbons to the carcinogenic impact of automobile exhaust condensate evaluated by local application onto mouse skin.

Science.gov (United States)

Grimmer, G; Brune, H; Deutsch-Wenzel, R; Naujack, K W; Misfeld, J; Timm, J

1983-11-01

The objective of this investigation was to identify the substances chiefly responsible for the carcinogenicity of automobile exhaust condensate using topical application onto the skin of mice. This was performed by comparing the carcinogenic effect of various fractions with that of an unseparated sample of automobile exhaust condensate, tested in 3 different doses. The probit and Weibull analysis of the result shows: (a) The condensate, emitted from a gasoline-driven automobile provokes local tumors after long-term application to the dorsal skin of mice. The tumor incidence demonstrates a clear cut dose-response relationship. (b) The fraction of polycyclic aromatic hydrocarbons (PAH) containing more than 3 rings accounts for about 84-91% of the total carcinogenicity of automobile exhaust condensate. This fraction represents only about 3.5% by wt of the condensate. (c) The content of benzo[a]pyrene (BaP) (0.414 mg/g) accounts for 6-7.6% of the total carcinogenicity of automobile exhaust condensate, 15 selected PAHs for about 41%. (d) Regarding the minor effect of the PAH-free fraction (about 83% by wt), no hints for a cocarcinogenic activity were observed.

Insurance of nuclear power stations

International Nuclear Information System (INIS)

Debaets, M.

1992-01-01

Electrical utility companies have invested large sums in the establishment of nuclear facilities. For this reason it is normal for these companies to attempt to protect their investments as much as possible. One of the methods of protection is recourse to insurance. For a variety of reasons traditional insurance markets are unable to function normally for a number of reasons including, the insufficient number of risks, an absence of meaningful accident statistics, the enormous sums involved and a lack of familiarity with nuclear risks on the part of insurers, resulting in a reluctance or even refusal to accept such risks. Insurers have, in response to requests for coverage from nuclear power station operators, established an alternative system of coverage - insurance through a system of insurance pools. Insurers in every country unite in a pool, providing a net capacity for every risk which is a capacity covered by their own funds, and consequently without reinsurance. All pools exchange capacity. The inconvenience of this system, for the operators in particular, is that it involves a monopolistic system in which there are consequently few possibilities for the negotiation of premiums and conditions of coverage. The system does not permit the establishment of reserves which could, over time, reduce the need for insurance on the part of nuclear power station operators. Thus the cost of nuclear insurance remains high. Alternatives to the poor system of insurance are explored in this article. (author)

Consumer in insurance law

Directory of Open Access Journals (Sweden)

Čorkalo Milena

2016-01-01

Full Text Available The paper analyses the notion of consumer in the European Union law, and, in particular, the notion of consumer in insurance law. The author highligts the differences between the notion of consumer is in aquis communautaire and in insurance law, discussing whether the consumer can be defined in both field in the same way, concerning that insurance services differ a lot from other kind of services. Having regarded unequal position of contracting parties and information and technical disadvantages of a weaker party, author pleads for broad definition of consumer in insurance law. In Serbian law, the consumer is not defined in consistent way. That applies on Serbian insurance law as well. Therefore, the necessity of precise and broad definition of consumes is underlined, in order to delimit the circle of subject who are in need for protection. The author holds that the issue of determination of the circle of persons entitled to extended protection as consumers is of vital importance for further development of insurance market in Serbia.

The National Insurance Academy: Serving India's Insurance Professionals and Researchers

Science.gov (United States)

Sane, Bhagyashree

2011-01-01

This article discusses how a special library can meet the needs of a specific industry. The author focuses on India's National Insurance Academy (NIA) Library, which serves the insurance industry of India and some neighboring countries. It is where the author serves as the chief librarian.

Dynamic interaction between markets for leasing and selling automobiles

OpenAIRE

Andrikopoulos, Athanasios; Markellos, Raphael N.

2015-01-01

We develop a model of dynamic interactions between price variations in leasing and selling markets for automobiles. Our framework assumes a differential game between multiple Bertrand-type competing firms which offer differentiated products to forward-looking agents. Empirical analysis of our model using monthly US data from 2002 to 2011 shows that variations in selling (cash) market prices lead rapidly dissipating changes of leasing market prices in the opposite direction. We discuss the pra...

75 FR 42766 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

Science.gov (United States)

2010-07-22

...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of... Financial Assistance/Subsidy Arrangement (Arrangement), (90 as of June 1, 2010) private sector property... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

76 FR 45281 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

Science.gov (United States)

2011-07-28

...] National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers, Availability of... Financial Assistance/Subsidy Arrangement (Arrangement), 87 (as of July 1, 2011) private sector property... Financial Assistance/ Subsidy Arrangement (Arrangement) to notify private insurance companies (Companies...

Direct strain energy harvesting in automobile tires using piezoelectric PZT-polymer composites

NARCIS (Netherlands)

Ende, D.A. van den; Wiel, H.J. van de; Groen, W.A.; Zwaag, S. van der

2012-01-01

Direct piezoelectric strain energy harvesting can be used to power wireless autonomous sensors in environments where low frequency, high strains are present, such as in automobile tires during operation. However, these high strains place stringent demands on the materials with respect to mechanical

Direct strain energy harvesting in automobile tires using piezoelectric PZT–polymer composites

NARCIS (Netherlands)

Van den Ende, D.A.; Van de Wiel, H.J.; Groen, W.A.; Van der Zwaag, S.

2011-01-01

Direct piezoelectric strain energy harvesting can be used to power wireless autonomous sensors in environments where low frequency, high strains are present, such as in automobile tires during operation. However, these high strains place stringent demands on the materials with respect to mechanical

Disposition of Insurance Allotment Payments

National Research Council Canada - National Science Library

Young, Shelton

2001-01-01

.... The request was prompted by action taken by the Florida Department of Insurance against two life insurance companies that had received large numbers of insurance allotments from Service members...

Health Insurance without Single Crossing

DEFF Research Database (Denmark)

Boone, Jan; Schottmüller, Christoph

2017-01-01

Standard insurance models predict that people with high risks have high insurance coverage. It is empirically documented that people with high income have lower health risks and are better insured. We show that income differences between risk types lead to a violation of single crossing...... in an insurance model where people choose treatment intensity. We analyse different market structures and show the following: If insurers have market power, the violation of single crossing caused by income differences and endogenous treatment choice can explain the empirically observed outcome. Our results do...

Oil prices, SUVs, and Iraq. An investigation of automobile manufacturer oil price sensitivity

Energy Technology Data Exchange (ETDEWEB)

Cameron, Ken [United States Navy (United States); Schnusenberg, Oliver [Department of Accounting and Finance, Coggin College of Business, The University of North Florida, 1 UNF Drive, Jacksonville, FL 32224 (United States)

2009-05-15

There has been much speculation about the recent upsurge in crude oil prices and the effect it will have on the economy and business. The objective of this paper is to investigate the relationship between oil prices and stock prices of automobile manufacturers. We add an oil price factor, measured alternatively by the excess change in WTI crude oil prices or the excess return on an energy ETF, to the Fama-French three-factor model over the period March 20, 2001 to September 30, 2008. Our dependent variable is the excess return on a price-weighted index of automobile manufacturers. Results indicate that oil prices add value to the pricing model, particularly for manufacturers specializing in SUVs and for a subperiod following the Iraq invasion on March 19, 2003. (author)

Investigating performance of microchannel evaporators for automobile air conditioning with different port structures

Directory of Open Access Journals (Sweden)

Guoliang Zhou

2017-08-01

Full Text Available Microchannel evaporator has been widely applied in automobile air conditioning, while it faces the problem of refrigerant maldistribution which deteriorates the thermal performance of evaporator. In this study, the performances of microchannel evaporators with different port structures are experimentally investigated for purpose of reducing evaporator pressure drop. Four evaporator samples with different port number and hydraulic diameter are made for this study. The performances of the evaporator samples are tested on a psychometric calorimeter test bench with the refrigerant R-134A at a real automobile air conditioning. The results on the variations of the evaporator pressure drop and evaporator surface temperature distribution are presented and analyzed. By studying the performance of an evaporator, seeking proper port structure is an approach to reduce refrigerant pressure drop as well as improve refrigerant distribution.

Integration of Bass Enhancement and Active Noise Control System in Automobile Cabin

Directory of Open Access Journals (Sweden)

Liang Wang

2008-01-01

Full Text Available With the advancement of digital signal processing technologies, consumers are more concerned with the quality of multimedia entertainment in automobiles. In order to meet this demand, an audio enhancement system is needed to improve bass reproduction and cancel engine noise in the cabins. This paper presents an integrated active noise control system that is based on frequency-sampling filters to track and extract the bass information from the audio signal, and a multifrequency active noise equalizer to tune the low-frequency engine harmonics to enhance the bass reproduction. In the noise cancellation mode, a maximum of 3 dB bass enhancement can be achieved with significant noise suppression, while higher bass enhancement can be achieved in the bass enhance mode. The results show that the proposed system is effective for solving both the bass audio reproduction and the noise control problems in automobile cabins.

75 FR 30106 - Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the...

Science.gov (United States)

2010-05-28

... DEPARTMENT OF THE TREASURY Terrorism Risk Insurance Program; Recordkeeping Requirements for... Budget. The Terrorism Risk Insurance Program Office within the Department of the Treasury is soliciting... original and two copies) to: Terrorism Risk Insurance Program, Public Comment Record, Suite 2100...

Uninsured vs. insured population

DEFF Research Database (Denmark)

Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H

2003-01-01

analyzed. Approximately 74 percent of uninsured Americans are nonelderly Americans. Among the nonelderly Americans, about 17 percent are uninsured. Our findings show that insurance status varies significantly by region, age, race, gender, marital status, income, education, employment status, and health......This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....

Unemployment Insurance and Inequality

DEFF Research Database (Denmark)

Larsen, Birthe; Waisman, Gisela

This paper examines the impact of higher unemployment insurance on the fraction of the work force paying into an unemployment insurance fond, wage differences and therefore inquality and education letting worker initial wealth being important for the decisions and implied values. As usually higher...... educated workers receive a lower fraction of their wages as unemployment insurance, we consider how the impact on labour market performance and wage differences and thereby inequality differ dependent on whether educated or uneducated workers receive higher benefits. The model can help shed light...... on the the puzzle why only some workers, for given educational level, pay into an unemployment insurance fond, the lower wealth mobility than income mobility as well as the relative compressed wage structure in countries with generous social assistance as well as unemployment insurance for low income workers...

The Effect of the Arab Boycott on Israel : The Automobile Market

NARCIS (Netherlands)

Fershtman, C.; Gandal, N.

1996-01-01

Recent progress towards a comprehensive peace in the Middle East has led to a relaxation of the enforcement of the Arab economic boycott of Israel.This in turn has led to the entry of all the major Japanese and Korean automobile manufacturers into the Israeli market.In this paper, we examine the

Disability Income Insurance

OpenAIRE

Hayhoe, Celia Ray; Smith, Mike, CPF

2009-01-01

The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.

Terrorism Risk Insurance: An Overview

National Research Council Canada - National Science Library

Webel, Baird

2005-01-01

.... Addressing this problem, Congress enacted the Terrorism Risk Insurance Act of 2002 (TRIA) to create a temporary program to share future insured terrorism losses with the property-casualty insurance industry and policyholders...

Optimal social insurance with linear income taxation

DEFF Research Database (Denmark)

Bovenberg, Lans; Sørensen, Peter Birch

2009-01-01

We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard in disab...... in disability insurance is absent. Imperfect insurance is optimal because it encourages workers to insure themselves against disability by working and saving more, thereby alleviating the distortionary impact of the redistributive income tax on labor supply and savings.......We study optimal social insurance aimed at insuring disability risk in the presence of linear income taxation. Optimal disability insurance benefits rise with previous earnings. Optimal insurance is incomplete even though disability risks are exogenous and verifiable so that moral hazard...

Barriers to implement green supply chain management in automobile industry using interpretive structural modeling technique: An Indian perspective

OpenAIRE

Sunil Luthra; Vinod Kumar; Sanjay Kumar; Abid Haleem

2011-01-01

Purpose: Green Supply Chain Management (GSCM) has received growing attention in the last few years. Most of the automobile industries are setting up their own manufacturing plants in competitive Indian market. Due to public awareness, economic, environmental or legislative reasons, the requirement of GSCM has increased.  In this context, this study aims to develop a structural model of the barriers to implement GSCM in Indian automobile industry.Design/methodology/approach: We have ident...

Imperfect Tests and Natural Insurance Monopolies

OpenAIRE

Emons, Winand

1997-01-01

This paper considers a housing insurance market in which buildings have different damage probabilities. Insurers use imperfect tests to find out about buildings’ damage types. The insurance market is a natural monopoly. If more than one insurer is active, high risk house owners continue to apply to insurers until they are eventually assigned to a low-risk class. First we show that the natural insurance monopoly need not be sustainable. Then we show that in the equilibrium industry structure t...

Automobile diesel exhaust particles induce lipid droplet formation in macrophages in vitro

DEFF Research Database (Denmark)

Cao, Yi; Jantzen, Kim; Gouveia, Ana Cecilia Damiao

2015-01-01

Exposure to diesel exhaust particles (DEP) has been associated with adverse cardiopulmonary health effects, which may be related to dysregulation of lipid metabolism and formation of macrophage foam cells. In this study, THP-1 derived macrophages were exposed to an automobile generated DEP (A...

The Normative Foundations of (Social) Insurance

DEFF Research Database (Denmark)

Landes, Xavier

Insurance mechanisms are prevalent in industrialized societies, in both public and private sectors. Insurance is offered for various risks ranging from fire to accident. They also constitute the core of the modern welfare state (public health insurance, unemployment benefits and public pensions......). The analysis of (public) insurance has however remained marginal in political theory because insurance is often perceived as a simple tool for pursuing equality, i.e. a tool without any moral significance proper. This text proposes an alternative view by drawing a continuum between insurance as a technology......, which is the common interpretation in economics, and insurance as a social practice, which characterizes social theory. The goal is to underline how the technology of insurance alters social practices by, for instance, promoting equal standing or transforming the paradigm of individual responsibility...

Competitive Cyber-Insurance and Internet Security

Science.gov (United States)

Shetty, Nikhil; Schwartz, Galina; Felegyhazi, Mark; Walrand, Jean

This paper investigates how competitive cyber-insurers affect network security and welfare of the networked society. In our model, a user's probability to incur damage (from being attacked) depends on both his security and the network security, with the latter taken by individual users as given. First, we consider cyberinsurers who cannot observe (and thus, affect) individual user security. This asymmetric information causes moral hazard. Then, for most parameters, no equilibrium exists: the insurance market is missing. Even if an equilibrium exists, the insurance contract covers only a minor fraction of the damage; network security worsens relative to the no-insurance equilibrium. Second, we consider insurers with perfect information about their users' security. Here, user security is perfectly enforceable (zero cost); each insurance contract stipulates the required user security. The unique equilibrium contract covers the entire user damage. Still, for most parameters, network security worsens relative to the no-insurance equilibrium. Although cyber-insurance improves user welfare, in general, competitive cyber-insurers fail to improve network security.

Information, complexity and efficiency: The automobile model

Energy Technology Data Exchange (ETDEWEB)

Allenby, B. [Lucent Technologies (United States)]|[Lawrence Livermore National Lab., CA (United States)

1996-08-08

The new, rapidly evolving field of industrial ecology - the objective, multidisciplinary study of industrial and economic systems and their linkages with fundamental natural systems - provides strong ground for believing that a more environmentally and economically efficient economy will be more information intensive and complex. Information and intellectual capital will be substituted for the more traditional inputs of materials and energy in producing a desirable, yet sustainable, quality of life. While at this point this remains a strong hypothesis, the evolution of the automobile industry can be used to illustrate how such substitution may, in fact, already be occurring in an environmentally and economically critical sector.

A utility theory approach for insurance pricing

Directory of Open Access Journals (Sweden)

Mohsen Gharakhani

2015-11-01

Full Text Available Providing insurance contract with “deductible” is beneficial for both insurer and insured. In this paper, we provide a utility modeling approach to handle insurance pricing and evaluate the tradeoff between discount benefit and deductible level. We analyze four different pricing problems of no insurance, full insurance coverage, insurance with β% deductible and insurance with D-dollar deductible based on a given utility function. A numerical example is also used to illustrate some interesting results.

75 FR 15777 - Common Crop Insurance Regulations, Basic Provisions; and Various Crop Insurance Provisions

Science.gov (United States)

2010-03-30

... (protection for production losses only) within one Basic Provisions and the applicable Crop Provisions to..., Macadamia Nut Crop Insurance Provisions, Onion Crop Insurance Provisions, Dry Pea Crop Insurance Provisions... (protection for production losses only) and revenue protection (protection against loss of revenue caused by...

Group life insurance

CERN Multimedia

2013-01-01

The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013:   The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address).   The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)

Evaluación de la eficiencia de una cartera de asegurados en el sector del automóvil = Efficiency Assessment in the Automobile Insurance Sector

Directory of Open Access Journals (Sweden)

Segovia González, M. Manuela

2009-01-01

Full Text Available La situación actual del sector del seguro del automóvil exige a las compañías aseguradoras diseñar productos cada vez más ajustados al tipo de cliente al que se dirige. En el presente trabajo analizamos los 80.000 registros ofrecidos por una entidad aseguradora con una importante cuota en el mercado español. Tras identificar una serie de perfiles en los clientes asegurados, se estudia la eficiencia de cada uno de ellos mediante la aplicación de Análisis Envolvente de Datos (DEA y estadística multivariante. Los resultados obtenidos permiten identificar aquellos clientes que mejor rendimiento ofrecen a la compañía. Mediante la aplicación de test estadísticos paramétricos y no paramétricos, se determinan, además, las similitudes y diferencias existentes entre grupos de clientes que comparten una determinada característica. = Insurance companies have to take risk and cost into account when pricing car insurance policies in order to design new products to cover the risk of private use of cars. In this paper we use data from 80,000 car insurance policies in order to assess, once risk and cost have been taken into account, the policies that generate the highest returns for the company. After different profiles of clients are identified, including among the characteristics the regional location of the clients, we use Data Envelopment Analysis and multivariate statistics. The results obtained not only permit us to identify the best groups of clients for the company but also to determine similarities and differences among profiles of clients.

26 CFR 1.831-1 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, and...

Science.gov (United States)

2010-04-01

... mutual), mutual marine insurance companies, and mutual fire insurance companies issuing perpetual... companies (other than life or mutual), mutual marine insurance companies, and mutual fire insurance... insurance companies and mutual fire insurance companies exclusively issuing either perpetual policies, or...

Competition between health maintenance organizations and nonintegrated health insurance companies in health insurance markets.

Science.gov (United States)

Baranes, Edmond; Bardey, David

2015-12-01

This article examines a model of competition between two types of health insurer: Health Maintenance Organizations (HMOs) and nonintegrated insurers. HMOs vertically integrate health care providers and pay them at a competitive price, while nonintegrated health insurers work as indemnity plans and pay the health care providers freely chosen by policyholders at a wholesale price. Such difference is referred to as an input price effect which, at first glance, favors HMOs. Moreover, we assume that policyholders place a positive value on the provider diversity supplied by their health insurance plan and that this value increases with the probability of disease. Due to the restricted choice of health care providers in HMOs a risk segmentation occurs: policyholders who choose nonintegrated health insurers are characterized by higher risk, which also tends to favor HMOs. Our equilibrium analysis reveals that the equilibrium allocation only depends on the number of HMOs in the case of exclusivity contracts between HMOs and providers. Surprisingly, our model shows that the interplay between risk segmentation and input price effects may generate ambiguous results. More precisely, we reveal that vertical integration in health insurance markets may decrease health insurers' premiums.

V-TECS Guide for Automobile Air Conditioning and Electrical System Technician.

Science.gov (United States)

Meyer, Calvin F.; Benson, Robert T.

This curriculum guide provides an outline for an eight-unit course to train automobile air conditioning and electrical system technicians. Each unit focuses on a duty that is composed of a number of performance objectives. For each objective, these materials are provided: a task, a standard of performance of task, source of standard, conditions…

The Complexity of E-Insurance

Directory of Open Access Journals (Sweden)

Marius GAVRILETEA

2006-01-01

Full Text Available The importance and increasing role of Internet in nowadays business area are officially recognized. No matter the industry a company is operating in, the distribution channels include direct sales through Internet. Following this idea, also the insurance companies decided to sell their insurance policy online. In this paper we analyze the advantages of Internet for insurance companies, the threats and the actual situation for Romanian insurers

VISUALIZATION OF MEMS STRUCTURES FOR EDUCATION OF AUTOMOBILE MICROSYSTEMS

Directory of Open Access Journals (Sweden)

Slavomír KARDOŠ

2017-09-01

Full Text Available The work is aimed at visualization of working principles of microelectromechanical sensors which are used in automobile electronic systems. Attention is paid to accelerometric, inclinometric, pressure and MAF devices. These are used in systems for stability control, passive and active safety as well as comfort management. The visualizations were realized using modern animation techniques initiated by the creation of virtual materials, 2D and 3D objects, through scene exposure, pending their animation and final cutting.

Social health insurance

CERN Document Server

International Labour Office. Geneva

1997-01-01

This manual provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. It also examines the design of health insurance schemes, health care benefits, financing and costs and considers the operational and strategic information requirements.

Evaluating the Welfare of Index Insurance

DEFF Research Database (Denmark)

Harrison, Glenn W.; Martínez-Correa, Jimmy; Ng, Jia Min

affects both the demand for the product and the welfare of individuals making take-up decisions. We study the impact of basis risk on insurance take-up and on expected welfare in a laboratory experiment with an insurance frame. We measure the expected welfare of index insurance to individuals while......Index insurance was conceived to be a product that would simplify the claim settlement process and make it more objective, reducing transaction costs and moral hazard. However, index insurance also exposes the insured to basis risk, which arises because there can be a mismatch between the index...... risks that are different from preferences exhibited for their actuarially-equivalent counterparts. We study the potential link between index insurance demand and attitudes towards compound risks. We test the hypothesis that the compound risk nature of index insurance induced by basis risk negatively...

The insurance of climatic risks

International Nuclear Information System (INIS)

Pauthier, Alice

2015-06-01

The United Nations Environment Programme assesses that the cost of adaptation to climate change could reach 150 billions dollars per year by 2025-2030 and 500 billions dollars by 2050. This raises the issues of financing of adaptation measures, and of compensations in case of natural disaster, and insurance companies here seem to have a major role to play. However, the modification of the climatic risk puts the viability of conventional insurance mechanisms into question again. While discussing these issues, the author outlines that a sustainable insurance against these evolving risks may threaten insurance companies to go to bankrupt, but also all their policyholders who are, for most of them, unable to cope by themselves with the consequences of an extreme climatic event. The author also discusses related aspects such as risk modelling, risk mutualization, a securing of insurance companies based on the financial market, the implementation of public-private partnership, and ways to insure climate anomalies. She also comments the commitment of the insurance sector in adaptation and mitigation policies

Aggravation of Risk and Precautionary Measures in Non-Life Insurance: A Tricky Scope for the Insurer?

Directory of Open Access Journals (Sweden)

Olavi-Jüri Luik

2015-12-01

Full Text Available Aggravation of risk and failure to take precautionary measures are focal issues in non-life insurance in terms of potential partial or full release of the insurer from the duty to perform. Not infrequently, it is difficult to draw a line between the aggravation of risk on the one hand, and non-compliance with precautionary measures on the other, since a particular action by a policyholder may present both situations. At the same time, the legal remedies available to the insurer regarding these two situations are different in scope. The aggravation of risk and non-compliance with precautionary measures are precisely the bases on which insurers actually reduce indemnity or refuse to compensate for damages. This article explores the differences between insurance laws in the Baltic states—specifically, the Estonian Law of Obligations Act, the Latvian Insurance Contract Law and Lithuanian rules contained in the Civil Code and Insurance Law. The article explores the differences between the Baltic states’ insurance laws and the Principles of European Insurance Contract Law (PEICL with regard to a policyholder’s duty in relation to aggravation of risk and precautionary measures, as the rights and obligations of policyholders do change where the optional instrument is applied. The article also includes comparisons to German, Finnish and Russian insurance law.

Nuclear power plants and their insurances

International Nuclear Information System (INIS)

Schludi, H.N.

1984-01-01

From the commencement of building to the time of decommissioning of nuclear power plants, the insurances provide continuous coverage, i.e. for construction, nuclear liability, nuclear energy hazards insurance, fire insurance, machinery insurance. The respective financial security is quantified. (DG) [de

75 FR 22578 - Proposed Agency Information Collection

Science.gov (United States)

2010-04-29

... about the potential fuel economy benefits of in-vehicle fuel economy feedback devices. The target population consists of 150 volunteer households who are AAA insurance policy holders who carry minimum automobile insurance coverage and hold a valid driver's license. If this testing confirms that fuel economy...

Nuclear insurance

International Nuclear Information System (INIS)

Anon.

1993-01-01

The German Nuclear Power Plant Insurance (DKVG) Association was able to increase its net capacity in property insurance to 637 million marks in 1993 (1992: 589 million). The reinsurance capacity of the other pools included, the total amount covered now amounts to 2 billion marks in property incurance and 200 million marks in liability incurance. As in the year before the pool can reckon with a stable gross premium yield around 175 million marks. The revival of the US dollar has played a decisive role in this development. In 1993 in the domestic market, the DKVG offered policies for 22 types of property risk and 43 types to third-party risk, operating with a gross target premium of 65 million marks and 16 million marks, respectively. The DKVG also participated in 540 foreign insurance contracts. (orig./HSCH) [de

Perspectives of Biogas Conversion into Bio-CNG for Automobile Fuel in Bangladesh

Directory of Open Access Journals (Sweden)

M. S. Shah

2017-01-01

Full Text Available The need for liquid and gaseous fuel for transportation application is growing very fast. This high consumption trend causes swift exhaustion of fossil fuel reserve as well as severe environment pollution. Biogas can be converted into various renewable automobile fuels such as bio-CNG, syngas, gasoline, and liquefied biogas. However, bio-CNG, a compressed biogas with high methane content, can be a promising candidate as vehicle fuel in replacement of conventional fuel to resolve this problem. This paper presents an overview of available liquid and gaseous fuel commonly used as transportation fuel in Bangladesh. The paper also illustrates the potential of bio-CNG conversion from biogas in Bangladesh. It is estimated that, in the fiscal year 2012-2013, the country had about 7.6775 billion m3 biogas potential equivalent to 5.088 billion m3 of bio-CNG. Bio-CNG is competitive to the conventional automobile fuels in terms of its properties, economy, and emission.

Development of Proportional Pressure Control Valve for Hydraulic Braking Actuator of Automobile ABS

Directory of Open Access Journals (Sweden)

Che-Pin Chen

2018-04-01

Full Text Available This research developed a novel proportional pressure control valve for an automobile hydraulic braking actuator. It also analyzed and simulated solenoid force of the control valves, and the pressure relief capability test of electromagnetic thrust with the proportional valve body. Considering the high controllability and ease of production, the driver of this proportional valve was designed with a small volume and powerful solenoid force to control braking pressure and flow. Since the proportional valve can have closed-loop control, the proportional valve can replace a conventional solenoid valve in current brake actuators. With the proportional valve controlling braking and pressure relief mode, it can narrow the space of hydraulic braking actuator, and precisely control braking force to achieve safety objectives. Finally, the proposed novel proportional pressure control valve of an automobile hydraulic braking actuator was implemented and verified experimentally.

Addressing Climate Change at the State and Local Level: Using Land Use Controls to Reduce Automobile Emissions

Directory of Open Access Journals (Sweden)

Rachel Medina

2010-06-01

Full Text Available Automobiles are a major source of CO2 emissions. Because there is no immediate technological fix to reduce these emissions, the most promising current strategy is to promote less automobile use. In the United States, this is difficult because federal programs such as the interstate highway system and local land use planning and regulation have encouraged suburban sprawl. In 2006, the state of California passed legislation to roll back greenhouse emissions to 1990 levels by 2020. This legislation did not link the roll back target with land use policies. However, NGOs and the state Attorney General used the state’s pre-existing environmental impact assessment act to sue a large county east of Los Angeles alleging that its revised land use plan was inconsistent with the 2006 legislation. The state and the county settled the suit after the county agreed to new greenhouse gas mitigation duties, and in 2008 California passed additional legislation to implement its 2006 statute. Communities are strongly encouraged to adopt compact, transit-oriented development strategies to limit automobile use. The new legislation gives the attorney general and NGOs additional legal authority to challenge local land use plans and regulatory decisions which fail to adopt these strategies. California’s important experiment has lessons for all urban areas struggling to reduce automobile CO2 emissions. It suggests that local land use controls can be added to the list of workable greenhouse gas mitigation strategies.

Health insurance for "frontaliers"

CERN Multimedia

2013-01-01

The French government has decided that, with effect from 1 June 2014, persons resident in France but working in Switzerland (hereinafter referred to as “frontaliers”) will no longer be entitled to opt for private French health insurance provision as their sole and principal health insurance.   The right of choice, which was granted by the Bilateral Agreement on the Free Movement of Persons between Switzerland and the European Union and which came into force on 1 June 2002, exempts “frontaliers” from the obligation to become a member of Switzerland’s compulsory health insurance scheme (LAMal) if they can prove that they have equivalent coverage in France, provided by either the French social security system (CMU) or a private French insurance provider. As the latter option of private health insurance as an alternative to membership of LAMal will be revoked under the new French legislation that will come into force on 1 June 2014, current “...

THE ROLE OF THE WORLD INSURANCE MARKET INFRASTRUCTURE

Directory of Open Access Journals (Sweden)

Antonina Sholoiko

2017-09-01

Full Text Available The purpose is to define a role and significance of elements of the world insurance market infrastructure. Tasks of the study are the next: to consider the dynamics of development of the world insurance market from 2012 to 2016; to define groups of elements of the world insurance market infrastructure; to characterize elements of the world insurance market infrastructure. Methodology. These tasks are done because of using such methods as: grouping of elements of the world insurance market infrastructure; a collection of information about elements of the world insurance market infrastructure; generalization to define role and significance of elements of the world insurance market infrastructure. Results. World insurance premiums were increasing and decreasing from 2012 to 2016 and did not exceed 6.3% of Gross Domestic Product. Lots of factors influence global insurance premium volume as an indicator of the development of world insurance market. One of them is an activity of the elements of the world insurance market infrastructure. It is necessary to divide them into some groups: A International insurance associations (associations of organizations connected with insurance but members of such associations do not provide insurance services – International Association of Insurance Supervisors, International Association of Insurance Fraud Agencies, Global Federation of Insurance Associations, International Insurance Foundation; B International associations of insurers (includes associations of insurers and other organizations in a certain area of insurance – International Association of Deposit Insurers, International Union of Credit and Investment Insurers, International Association of Agricultural Production Insurers, International Group of P&I Clubs, International Union of Aerospace Insurers, International Union of Marine Insurance, International Association of Engineering Insurers; C International associations of insurance experts

The Effects of Health Shocks on Employment and Health Insurance: The Role of Employer-Provided Health Insurance

Science.gov (United States)

Bradley, Cathy J.; Neumark, David; Motika, Meryl

2012-01-01

Background Employment-contingent health insurance (ECHI) has been criticized for tying insurance to continued employment. Our research sheds light on two central issues regarding employment-contingent health insurance: whether such insurance “locks” people who experience a health shock into remaining at work; and whether it puts people at risk for insurance loss upon the onset of illness, because health shocks pose challenges to continued employment. Objective To determine how men’s dependence on their own employer for health insurance affects labor supply responses and health insurance coverage following a health shock. Data Sources We use the Health and Retirement Study (HRS) surveys from 1996 through 2008 to observe employment and health insurance status at interviews two years apart, and whether a health shock occurred in the intervening period between the interviews. Study Selection All employed married men with health insurance either through their own employer or their spouse’s employer, interviewed in at least two consecutive HRS waves with non-missing data on employment, insurance, health, demographic, and other variables, and under age 64 at the second interview. We limited the sample to men who were initially healthy. Data Extraction Our analytical sample consisted of 1,582 men of whom 1,379 had ECHI at the first interview, while 203 were covered by their spouse’s employer. Hospitalization affected 209 men with ECHI and 36 men with spouse insurance. A new disease diagnosis was reported by 103 men with ECHI and 22 men with other insurance. There were 171 men with ECHI and 25 men with spouse employer insurance who had a self-reported health decline. Data Synthesis Labor supply response differences associated with ECHI – with men with health shocks and ECHI more likely to continue working – appear to be driven by specific types of health shocks associated with future higher health care costs but not with immediate increases in morbidity that

Considerations on Albanian Life Insurance Market

Directory of Open Access Journals (Sweden)

Gentiana Sharku

2011-03-01

Full Text Available The life insurance sector is an important sector of the economy all over the world. Life insurance provides the economy and the individuals as well, a variety of fundamental financial services.Regardless the importance it has all around the world, life insurance market in Albania is still underdeveloped comparing not only to the Western European countries, but to the region countries as well. The comparative analysis of insurance market is carried out by means of two indexes: insurance density and penetration index. The life insurance market in Albania is facing several problems which will be further explained in the paper, together with some recommendations to be taken in account by Albanian insurance companies and the Albanian government as well.

PREMIUMS CALCULATION FOR LIFE INSURANCE

Directory of Open Access Journals (Sweden)

ANA PREDA

2012-10-01

Full Text Available The paper presents the techniques and the formulas used on international practice for establishing the premiums for a life policy. The formulas are generally based on a series of indicators named mortality indicators which mainly point out the insured survival probability, the death probability and life expectancy at certain age. I determined, using a case study, the unique net premium, the annual net premium for a survival insurance, whole life insurance and mixed life insurance.

METHODICAL BASES OF MANAGEMENT OF INSURANCE PORTFOLIO

Directory of Open Access Journals (Sweden)

Serdechna Yulia

2018-01-01

Full Text Available Introduction. Despite the considerable arsenal of developments in the issues of assessing the management of the insurance portfolio remains unresolved. In order to detail, specify and further systematize the indicators for the indicated evaluation, the publications of scientists are analyzed. The purpose of the study is to analyze existing methods by which it is possible to formulate and manage the insurance portfolio in order to achieve its balance, which will contribute to ensuring the financial reliability of the insurance company. Results. The description of the essence of the concept of “management of insurance portfolio”, as the application of actuarial methods and techniques to the combination of various insurance risks offered for insurance or are already part of the insurance portfolio, allowing to adjust the size and structure of the portfolio in order to ensure its financial stability, achievement the maximum level of income of an insurance organization, preservation of the value of its equity and financial security of insurance liabilities. It is determined that the main methods by which the insurer’s insurance portfolio can be formed and managed is the selection of risks; reinsurance operations that ensure diversification of risks; formation and placement of insurance reserves, which form the financial basis of insurance activities. The method of managing an insurance portfolio, which can be both active and passive, is considered. Conclusions. It is determined that the insurance portfolio is the basis on which all the activities of the insurer are based and which determines its financial stability. The combination of methods and technologies applied to the insurance portfolio is a management method that can be both active and passive and has a number of specific methods through which the insurer’s insurance portfolio can be formed and managed. It is substantiated that each insurance company aims to form an efficient and

Unemployment Insurance Query (UIQ)

Data.gov (United States)

Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...

An investigation into onshore captive insurance companies

Directory of Open Access Journals (Sweden)

ME Le Roux

2015-01-01

Full Text Available Insurance provided by captive insurers is one of various forms of risk financing.  The nature and main types of captive insurance companies are discussed.  This is followed by the results of an empirical study that focused on South African onshore captive insurance companies.  The objectives in establishing and operating a captive insurer, the factors which determine the decision of the parent company to establish and operate a captive insurer and the future and usefulness of insurance provided by captive insurers are some of the aspects that are addressed.

Suggestion of Islamic Insurance Company Model

OpenAIRE

Abdullah Ibrahim Nazal

2015-01-01

This study is one of very few studies which have investigated Islamic Insurance Companies as solution. It explained its operations also comparing with Traditional Insurance Companies and theoretical Islamic insurance models. As result to this study Islamic Insurance companies are profit organization. It helps Islamic banks but it costs customer to face expect risk. Islamic Insurance companies have many ways to get profits and consider all customers installments grants. Its operation gap comes...

24 CFR 266.612 - Insurance endorsement.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 266.612... Rights and Obligations Insurance Endorsement § 266.612 Insurance endorsement. (a) Initial endorsement. The Commissioner shall indicate his or her insurance of the mortgage by endorsing the original credit...

Optimal non-linear health insurance.

Science.gov (United States)

Blomqvist, A

1997-06-01

Most theoretical and empirical work on efficient health insurance has been based on models with linear insurance schedules (a constant co-insurance parameter). In this paper, dynamic optimization techniques are used to analyse the properties of optimal non-linear insurance schedules in a model similar to one originally considered by Spence and Zeckhauser (American Economic Review, 1971, 61, 380-387) and reminiscent of those that have been used in the literature on optimal income taxation. The results of a preliminary numerical example suggest that the welfare losses from the implicit subsidy to employer-financed health insurance under US tax law may be a good deal smaller than previously estimated using linear models.

INSURANCE - A RISK COVERING STRATEGY

Directory of Open Access Journals (Sweden)

Marius Dan GAVRILETEA

2014-12-01

Full Text Available Insurance industry in Romania is facing for a few years a continuous decreasing in Gross Written Premium. The negative trend may be caused by the effects of financial crises for companies and also for individuals. In order to keep theirs market share, insurance companies must identify new opportunities to increase theirs’ GWP. Among these new market niches hospitality industry may represent an option to be followed. In this paper, we will analyze the types of insurance policies available for hospitality industry (except mandatory motors’ third party liability and motors’ own vehicle insurance. The conclusion represents solution both for insurance companies and for hotel as a part of theirs’ risk financing process.

Success of Saturn: A Case Study of the Saturn Automobile

Science.gov (United States)

1993-04-01

speed in production with nearly 20,000 cars per month coming off the assembly line.133 MARKETING THE PRODUCT ADVERTISING STRATEGY Saturn’s approach to...Satisfaction Index.𔄁 5 In the Sales Satisfaction category Saturn finished sixth behind Lexus, Cadillac, Infiniti, Lincoln and Mercedes Benz , all...quality, inexpensive, fuel efficient automobiles. They put their cars on the market in the U.S. and Americans bought Japanese instead of expensive

The Research of Scrapped Automobiles Recycling and Disassembling Industry Development Based on Auto Industry Chain

Directory of Open Access Journals (Sweden)

linhua Pang

2015-01-01

Full Text Available The number of China’s scrapped car is on an explosively growing trend, and the development of scrapped car recycling industry has a golden prospect. The current scrapped car recycling system is not perfect in our country, because related industries driven by market develop slowly, and there are some outstanding problems such as potential safety risks, environmental pollution and resource waste. The paper analyzes and studies the existing problems and countermeasures to investigate the development strategy of scrapped car recycling industry according to the whole automobile industry chain construction, technology and equipment conditions, policy guidance, etc. and at last explore the new industrial development pattern of serving automobile reverse design.

In-house Integration Model in the Indian Automobile Industry

OpenAIRE

Tachiki, Dennis S.

2012-01-01

　Since the mid―1980s, Indian automobile companies have been upgrading their technological knowhow to competitively respond to an increasing demand for higher value-added components from domestic and global assemblers. According to the Automotive Component Manufacturers Association of India (ACMA), the auto component market in India should grow at a CARG (compounded annual growth rate) of 11.7 per cent between 2011 and 2015, and the export market at a robust CARG of 18 per cent between 2011 a...

Effectiveness of insurance risk management under crisis conditions

Directory of Open Access Journals (Sweden)

I.G. Goncharenko

2015-06-01

Full Text Available In the article some historical aspects of insurance, domestic trends in insurance risk management with aspects of international experience, the modern role of insurance and insurance companies in a market economy, factors of risk management system and the nature of the insurance portfolio are analyzed. Factors of risk events in insurance, the spectrum of risks, imbalance of the insurance market in crisis conditions are outlined; expert’s estimations of the insurance market in recent years are examined. Problems of insurance business perform are determined, especially insurance risk management. The ability to use the provisions of European insurance regulation on internal domestic insurance market is analyzed, and also the aspects of integration of Ukrainian insurance market are determined.

Health Insurance: Understanding Your Health Plan's Rules

Science.gov (United States)

... to know what your insurance company is paying…Health Insurance: Understanding What It CoversRead Article >>Insurance & BillsHealth Insurance: Understanding What It CoversYour insurance policy lists a package of medical benefits such as tests, drugs, and treatment services. These ...

7 CFR 3560.105 - Insurance and taxes.

Science.gov (United States)

2010-01-01

...) Windstorm Coverage. (ii) Earthquake Coverage. (iii) Sinkhole Insurance or Mine Subsidence Insurance. (3) For... the coverage amount. (v) Sinkhole Insurance or Mine Subsidence Insurance. The deductible for sinkhole.... (10) Deductible amounts (excluding flood, windstorm, earthquake and sinkhole insurance or mine...

An efficiency analysis of modern and perspective methods and facilities to reduce of the automobile transport exhaust gases

Directory of Open Access Journals (Sweden)

Володимир Петрович Юдін

2015-09-01

Full Text Available The article studies the degree of atmosphere pollution with automobile transport exhaust gases, the evolution of their rating in the European Union, and the reasons why Ukrainian automobile transport exhaust gases lag behind in meeting emission standards. Constructive, organizational, and regulating techniques aimed at reducing the amount of exhaust gases are analyzed; non-standard propositions concerning cooperation of motor vehicle owners and regulatory authorities are offered; the examples of successful practices employed in Zaporizhia region are given

How did the Global Financial Crisis Influence the Automobile Industry: Comparison between the US and Japanese Auto Industry

OpenAIRE

SUN, YAN

2013-01-01

The 2008 global financial crisis was the worst one in seventy-five years and had great negative impact on the economy worldwide. Automobile industry, the pillar to the economic development, was hit most by the recession among the sectors. The purpose of this study is to analyze the financial crisis impacts on the automobile industry and find out strategies to decrease the occurrence rate and the loss if a similar crisis occurs. The study, firstly, describes the impact of financial crisis...

24 CFR 220.804 - Insurance premiums.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 220.804 Section... and Obligations-Projects Insured Project Improvement Loans § 220.804 Insurance premiums. (a) First premium. The lender, upon the initial endorsement of the loan for insurance, shall pay to the Commissioner...

76 FR 77455 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

Science.gov (United States)

2011-12-13

... and Veterans' Group Life Insurance--Slayer's Rule Exclusion AGENCY: Department of Veterans Affairs... Veterans' Group Life Insurance--Slayer's Rule Exclusion.'' Copies of comments received will be available...) (slayer's rule ``is undoubtedly an implicit provision of the Servicemen's Group Life Insurance Act of 1965...

Communications Centre Model in Insurance Business

Directory of Open Access Journals (Sweden)

Danijel Bara

2013-07-01

Full Text Available The aim of this paper is to define a communications centre model in an insurance company that essentially has two objectives. The first objective is focused on providing quality support with the sales process thereby creating a strategic advantage over the competition while the second objective is focused on improving the link between internal organizational units whose behaviour can often render decision-making at all levels difficult. The function of sales is fundamental for an insurance company. Whether an insurance company will fulfil its basic function, which is transfer of risk from the insured party to the insurer who agrees tonreimburse incidental damages to the damaged party and distribute them among all members of the risk group on the principles of reciprocity and solidarity, depends on successful sales and billing (Andrijašević & Petranović, 1999. For an insurance company to operate successfully in a demanding market, it is necessary to meet the needs of potential clients who then must be at the centre of all the activities of the insurer. A satisfied policy holder, who is respected by the insurer as a partner, is a guarantee that the sales of insurance services will be successful and that the insured party will come back to the same insurance company. In the era of globalization and all-pervading new technologies and modes of communication, policy holders need to be able to communicate with insurance company employees. Quality communication is a good foundation for a sales conversation. A fast flow of all types of information within an organisation using a single communication module makes decision-making at all levels quicker and easier.

You can't buy insurance when the house is on fire. Community rating kills health insurance.

Science.gov (United States)

Hartnedy, J A

1994-05-15

Why does health insurance cost so much? According to the vice president at the insurance company that pioneered high-deductible health insurance to go with medical savings accounts, a big factor is that insurance companies are being asked to solve social problems. Mr Hartnedy offers a solution to America's healthcare-delivery plight that includes empowerment of individuals and preservation of choice.

77 FR 72721 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

Science.gov (United States)

2012-12-06

... 1545-BK59 Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes... Patient Protection and Affordable Care Act on issuers of certain health insurance policies and plan... arrangements) or Rebecca L. Baxter at (202) 622-3970 (regarding health insurance policies). SUPPLEMENTARY...

78 FR 12623 - Insurer Reporting Requirements

Science.gov (United States)

2013-02-25

... NHTSA's regulation requiring motor vehicle insurers to submit information on the number of thefts and recoveries of insured vehicles and actions taken by the insurer to deter or reduce motor vehicle theft. NHTSA..., which requires insurers to submit information about the make, model, and year of all vehicle thefts, the...

Insurance industry guide

International Nuclear Information System (INIS)

Anon.

1992-01-01

This is an insurance industry guide for the independent power industry. The directory includes the insurance company's name, address, telephone and FAX numbers and a description of the company's area of expertise, products and services, and limitations. The directory is international in scope. Some of the companies specialize in independent power projects

46 CFR 308.300 - Insured amount-application.

Science.gov (United States)

2010-10-01

... Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE Second Seamen's War Risk Insurance § 308.300 Insured amount—application. An applicant for Second Seamen's war risk insurance shall not state the amount of insurance desired, which shall be as provided in...

Automobiles and global warming: Alternative fuels and other options for carbon dioxide emissions reduction

International Nuclear Information System (INIS)

Sagar, A.D.

1995-01-01

Automobiles are a source of considerable pollution at the global level, including a significant fraction of the total greenhouse gas emissions. Alternative fuels have received some attention as potential options to curtail the carbon dioxide emissions from motor vehicles. This article discusses the feasibility and desirability (from a technical as well as a broader environmental perspective) of the large-scale production and use of alternative fuels as a strategy to mitigate automotive carbon dioxide emissions. Other options such as improving vehicle efficiency and switching to more efficient modes of passenger transportation are also discussed. These latter options offer an effective and immediate way to tackle the greenhouse and other pollutant emission from automobiles, especially as the limitations of currently available alternative fuels and the technological and other constraints for potential future alternatives are revealed

26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

Science.gov (United States)

2010-04-01

... mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies operating on the basis of premium deposits; taxable years... fire insurance companies issuing perpetual policies, and mutual fire or flood insurance companies...

Measuring the environmental impacts and sustainability of automobiles

Energy Technology Data Exchange (ETDEWEB)

Lave, L B; Cobas Flores, E; McMichael, F C; Hendrickson, C T; Horvath, A; Joshi, S [Carnegie Mellon Univ., Pittsburgh, PA (United States)

1996-11-01

In the paper the following topics are discussed: - the need for public education and involvement in the decision process, - the difficulty of defining sustainability, - the occasional difference between the goals of sustainability and environmental quality, - the need for life cycle analysis to analyze the sustainability and environmental quality implications of a product, process, or material. The importance of environmental input-output analysis is stressed. This new tool can provide the life cycle information cheaply, quickly, and with much less uncertainty. Examples are presented for making an automobile, a seat out of plastic or aluminium, and an electric vehicle. (author) 4 tabs., refs.

Pricing unit-linked insurance with guaranteed benefit

Science.gov (United States)

Iqbal, M.; Novkaniza, F.; Novita, M.

2017-07-01

Unit-linked insurance is an investment-linked insurance, that is, the given benefit is the premium investment out-come. Recently, the most widely marketed insurance in the industry is unit-linked insurance with guaranteed benefit. With guaranteed benefit applied, the insurance benefits form is similar to the payoff form of European call option. Thereby, pricing European call option is involved in pricing unit-linked insurance with guaranteed benefit. The dynamics of investment outcome is assumed to follow stochastic interest rate. Hence, change of measure methods is used in pricing unit-linked insurance. The discount factor with stochastic interest rate needs to be modified as well to be zero coupon bond price. Eventually, the insurance premium is calculated by equivalence principle with guaranteed benefit and insurance period explicitly given.

77 FR 47573 - Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes...

Science.gov (United States)

2012-08-09

... DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Parts 40 and 46 [REG-136008-11] RIN 1545-BK59 Fees on Health Insurance Policies and Self-Insured Plans for the Patient-Centered Outcomes... on issuers of certain health insurance policies and plan sponsors of certain self-insured health...

7 CFR 1427.166 - Insurance.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance. 1427.166 Section 1427.166 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.166 Insurance. The seed cotton must be insured at the full loan value against loss or damage by fire. ...

24 CFR 207.259 - Insurance benefits.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... Contract of Insurance § 207.259 Insurance benefits. (a) Method of payment. Upon either an assignment of the... of mortgage. If the mortgage is assigned to the Commissioner, the insurance benefits shall be paid in...

34 CFR 682.505 - Insurance premium.

Science.gov (United States)

2010-07-01

... 34 Education 3 2010-07-01 2010-07-01 false Insurance premium. 682.505 Section 682.505 Education... § 682.505 Insurance premium. (a) General. The Secretary charges the lender an insurance premium for each Federal GSL Program loan that is guaranteed, except that no insurance premium is charged on a Federal...

HIAA's The Business of Insurance: An Introduction.

Science.gov (United States)

Rosen, Anita; Lynch, Margaret E.

This booklet is intended to help students gain a broad understanding of the meaning, characteristics, organization, products, and functions of the insurance industry. The following topics are discussed: the concept of and need for insurance; basic principles of insurance (risk assessment, insurability and insurable interest, determination of…

Directions of improving information system of insurance company

Science.gov (United States)

Kaigorodova, G. N.; Mustafina, A. A.; Alyakina, D. P.

2018-05-01

The article presents a study of the information technologies impact on the insurance industry development. At present, any business, especially business in the field of financial intermediation, can count on maintaining its positions only as a technology company. For the insurance business it is now especially important. Other segments of the financial market - the stock and credit market - are actively developing and applying IT-technologies. The insurance business at present is getting opportunities for a technological breakthrough. There is a growing demand for traditional insurance products - property insurance, motor insurance, health insurance. There is a rapidly growing demand for life insurance and insurance against cyber risks. To implement insurance protection in new conditions, the insurance company should actively use information systems. The article presents a possible variant of systematization of the insurer's business processes within the information system of the insurance company.

26 CFR 1.821-4 - Tax on mutual insurance companies other than life insurance companies and other than fire, flood...

Science.gov (United States)

2010-04-01

... life insurance companies and other than fire, flood, or marine insurance companies, subject to tax... Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... other than life insurance companies and other than fire, flood, or marine insurance companies, subject...

12 CFR 741.208 - Mergers of federally insured credit unions: voluntary termination or conversion of insured status.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Mergers of federally insured credit unions... Insured State-Chartered Credit Unions § 741.208 Mergers of federally insured credit unions: voluntary... 708a and 708b of this chapter concerning mergers and voluntary termination or conversion of insured...

24 CFR 241.805 - Insurance premiums.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 241.805 Section... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

The Nuclear Insurance Pools: Operations and Covers

International Nuclear Information System (INIS)

Tetley, M.

2008-01-01

Nuclear insurance pools have provided insurance for the nuclear industry for over fifty years and it is fair to say that the development of civil nuclear power would not have been possible without the support of the commercial insurance market. The unknown risks presented by the nascent nuclear power industry in the 1950s required a leap of faith by insurers who developed specialist pooled insurance capacity to ensure adequate capacity to back up the operators' compensation obligations. Since then, nuclear insurance pools have evolved to become comprehensive suppliers of most types of insurance for nuclear plant globally. This paper will outline the structure, development, products and current operations of nuclear insurance pools.(author)

Levels of polybrominated diphenyl ethers (PBDEs) in dust from personal automobiles in conjunction with studies on the photochemical degradation of decabromodiphenyl ether (BDE-209).

Science.gov (United States)

Lagalante, Anthony F; Shedden, Courtney S; Greenbacker, Peter W

2011-07-01

The levels of 21 PBDE congeners were detemined in the dust sampled from 66 personal automobiles. The dominant congener in automobile dust was BDE-209 with a median level of 8.12 μg g⁻¹. Personal vehicle dust samples contained the characteristic profile of the PBDE congeners that comprise the PentaBDE and DecaBDE commercial formulations. Levels of PBDEs in personal automobiles are generally reduced in comparison to our previously reported levels in resale vehicles on dealership lots presumably due to a dilution effect introduced by dust or debris that does not originate from the vehicle. Laboratory photochemical studies were conducted on both automobile dust collected from personal vehicles as well as BDE-209 adsorbed to sodium sulfate. No significant degradation occurred in the personal vehicle dust after 56 days of constant UVA irradiation while significant degradation did occur with BDE-209 adsorbed to sodium sulfate. PBDEs from the degradation of BDE-209 were identified and potential degradation pathways elucidated. Human exposure potential to PBDEs from automobile dust ingestion remains a serious concern in the U.S. population. Copyright © 2011 Elsevier Ltd. All rights reserved.

Macroprudential Insurance Regulation: A Swiss Case Study

OpenAIRE

Philippe Deprez; Mario V. Wüthrich

2016-01-01

This article provides a case study that analyzes national macroprudential insurance regulation in Switzerland. We consider an insurance market that is based on data from the Swiss private insurance industry. We stress this market with several scenarios related to financial and insurance risks, and we analyze the resulting risk capitals of the insurance companies. This stress-test analysis provides insights into the vulnerability of the Swiss private insurance sector to different risks and sho...

Estimation of exposed radiation dose in radiography of the chest. Mainly on the dose at health examination on automobiles

International Nuclear Information System (INIS)

Suzuki, Shoichi; Oda, Akiko; Ohkura, Masaki

1998-01-01

The exposure doses in radiography and photofluorography of the chest at health examination on automobiles were estimated and compared with those using other hospital equipments. The tube voltage, effective energy and half value layer under ordinary conditions for radiography and fluorography were measured by KYOKKO model 100 X-ray analyzer and output pulse shape was confirmed by the fluorometer (TOREKEY-1001 C). The dose at the body surface was measured by the ionization chambers (VICTOREEN RADCON 500 and 30-330) which had been equipped in the WAC chest phantom (JIS Z 4915, Kyoto Kagaku). Nine automobiles of 3 facilities were used, of which X-ray generating apparatuses of either condenser or inverter type were manufactured by Hitachi (5 machines), Toshiba (1) and Shimadzu (3). The examined apparatuses not for the automobile were Toshiba-20 and Hitachi SIRIUS-100 portable ones and Hitachi DH-1520 TM high-voltage one. The effective energy was found dependent on the tube voltage (100-130 kV) and X-ray generating system (35.1-54.37 keV in the condenser type and 41.1-43.9 keV in the inverter type). Pulse shape analysis revealed that the pulse height and area under the pulse height-time curve were larger in the inverter system. The mean doses in photofluorography and radiography on automobiles were 0.525 and 0.297 mGy, respectively. The mean dose of 0.61 mGy in radiography at home with the portable apparatus was the highest even when compared with that of 0.525 mGy for fluorography on the automobile. Thus, the inverter system on the car can guarantee the level of 0.4 mGy defined by IAEA guideline (Safety series No. 115, 1996). (K.H.)

Macroprudential Insurance Regulation: A Swiss Case Study

Directory of Open Access Journals (Sweden)

Philippe Deprez

2016-12-01

Full Text Available This article provides a case study that analyzes national macroprudential insurance regulation in Switzerland. We consider an insurance market that is based on data from the Swiss private insurance industry. We stress this market with several scenarios related to financial and insurance risks, and we analyze the resulting risk capitals of the insurance companies. This stress-test analysis provides insights into the vulnerability of the Swiss private insurance sector to different risks and shocks.

Health Insurance for Cancer Care in Asia: Thailand

OpenAIRE

Pongpak Pittayapan

2016-01-01

Thailand has a universal multi-payer system with two main types of health insurance: National Health Security Office or public health insurance and private insurance. National health insurance is designed for people who are not eligible to be members of any employment-based health insurance program. Although private health insurance is also available, all Thai citizens are required to be enrolled in either national health insurance or employees? health insurance. There are many differences be...

Life cycle models of conventional and alternative-fueled automobiles

Science.gov (United States)

Maclean, Heather Louise

This thesis reports life cycle inventories of internal combustion engine automobiles with feasible near term fuel/engine combinations. These combinations include unleaded gasoline, California Phase 2 Reformulated Gasoline, alcohol and gasoline blends (85 percent methanol or ethanol combined with 15 percent gasoline), and compressed natural gas in spark ignition direct and indirect injection engines. Additionally, I consider neat methanol and neat ethanol in spark ignition direct injection engines and diesel fuel in compression ignition direct and indirect injection engines. I investigate the potential of the above options to have a lower environmental impact than conventional gasoline-fueled automobiles, while still retaining comparable pricing and consumer benefits. More broadly, the objective is to assess whether the use of any of the alternative systems will help to lead to the goal of a more sustainable personal transportation system. The principal tool is the Economic Input-Output Life Cycle Analysis model which includes inventories of economic data, environmental discharges, and resource use. I develop a life cycle assessment framework to assemble the array of data generated by the model into three aggregate assessment parameters; economics, externalities, and vehicle attributes. The first step is to develop a set of 'comparable cars' with the alternative fuel/engine combinations, based on characteristics of a conventional 1998 gasoline-fueled Ford Taurus sedan, the baseline vehicle for the analyses. I calculate the assessment parameters assuming that these comparable cars can attain the potential thermal efficiencies estimated by experts for each fuel/engine combination. To a first approximation, there are no significant differences in the assessment parameters for the vehicle manufacture, service, fixed costs, and the end-of-life for any of the options. However, there are differences in the vehicle operation life cycle components and the state of technology

Understanding health insurance plans

Science.gov (United States)

... page: //medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... plan for you and your family. Types of Health Insurance Plans Depending on how you get your health ...

42 CFR 60.14 - The insurance premium.

Science.gov (United States)

2010-10-01

... 42 Public Health 1 2010-10-01 2010-10-01 false The insurance premium. 60.14 Section 60.14 Public... LOAN PROGRAM The Loan § 60.14 The insurance premium. (a) General. (1) The Secretary insures each lender... lender an insurance premium. The insurance premium is due to the Secretary on the date of disbursement of...

Modeling Cycle Dependence in Credit Insurance

Directory of Open Access Journals (Sweden)

Anisa Caja

2014-03-01

Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.

Biomonitoring of N-ethyl-2-pyrrolidone in automobile varnishers.

Science.gov (United States)

Koslitz, Stephan; Meier, Swetlana; Schindler, Birgit Karin; Weiss, Tobias; Koch, Holger Martin; Brüning, Thomas; Käfferlein, Heiko Udo

2014-12-01

N-alkyl-2-pyrrolidones are important organic solvents for varnishes in industry. This study investigates exposure to N-ethyl-2-pyrrolidone (NEP) in varnishing of hard plastic components in an automobile plant. Two specific biomarkers of exposure, 5-hydroxy-N-ethyl-2-pyrrolidone (5-HNEP) and 2-hydroxy-N-ethylsuccinimide (2-HESI), were analyzed in urine samples of 14 workers. For this purpose, pre-shift, post-shift and next day pre-shift urine samples were collected midweek. Twelve workers performed regular work tasks (loading, wiping and packing), whereas two workers performed special work tasks including cleaning the sprayer system with organic solvents containing N-alkyl-2-pyrrolidones. Spot urine samples of nine non-exposed persons of the same plant served as controls. Median post-shift urinary levels of workers with regular work tasks (5-HNEP: 0.15 mg/L; 2-HESI: 0.19 mg/L) were ∼5-fold higher compared to the controls (0.03 mg/L each). Continuously increasing metabolite levels, from pre-shift via post-shift to pre-shift samples of the following day, were observed in particular for the two workers with the special working tasks. Maximum levels were 31.01 mg/L (5-HNEP) and 8.45 mg/L (2-HESI). No clear trend was evident for workers with regular working tasks. In summary, we were able to show that workers can be exposed to NEP during varnishing tasks in the automobile industry. Copyright © 2014 Elsevier Ireland Ltd. All rights reserved.

Nuclear insurance and third-party liability. An overview

Energy Technology Data Exchange (ETDEWEB)

Rashid, Nahrul Khair

1986-04-01

As for any other insurance policy, nuclear insurance involves two parties, the insurer and the insured. The coverage provided for can be against any misfortune or peril; material or physical losses, financial losses, third party liability or even the insured himself as in the case of life or personal insurance. In property and liability insurance, the element of certainty does not exist. Accidents cannot be predicted, the insured will only be able to financially recover the present worth of the property insured as evaluated at the time of the accident and to the extent of the damage arising from the event insured against, which in most cases will be lower than the full value of the property.

STATE REGULATION OF INVESTMENT INSURANCE COMPANIES IN UKRAINE

Directory of Open Access Journals (Sweden)

О. Zaletov

2016-03-01

Full Text Available In the article the essence of investment insurance company. The role and importance of investment of insurance companies on formation of investment resources in the economy. The essence of the definition of "investment potential of insurance companies" and its relationship with the definition of "financial strength of insurance companies' insurance and potential insurance companies." By analyzing the structure and dynamics of aggregate investment portfolio of insurance organizations of Ukraine in 2008-2015 years defined contribution insurance sector in the formation of investment resources. The problems and prospects of the investment potential of the insurance market of Ukraine. Directions of improvement of state regulation of investment of insurance companies in Ukraine.

7 CFR 3019.31 - Insurance coverage.

Science.gov (United States)

2010-01-01

... recipient. Federally-owned property need not be insured unless required by the terms and conditions of the... Standards § 3019.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...

29 CFR 95.31 - Insurance coverage.

Science.gov (United States)

2010-07-01

... recipient. Federally-owned property need not be insured unless required by the terms and conditions of the... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...

Dissolution kinetics of Pd and Pt from automobile catalysts by naturally occurring complexing agents

Czech Academy of Sciences Publication Activity Database

Šebek, O.; Mihaljevič, M.; Strnad, L.; Ettler, V.; Ježek, J.; Štědrý, R.; Drahota, P.; Ackerman, Lukáš; Adamec, V.

2011-01-01

Roč. 198, December (2011), s. 331-339 ISSN 0304-3894 Institutional research plan: CEZ:AV0Z30130516 Keywords : automobile catalyst * Platinum group elements * mobilisation * leaching * kinetic Subject RIV: DD - Geochemistry Impact factor: 4.173, year: 2011

Survey of social health insurance structure in selected countries; providing framework for basic health insurance in Iran.

Science.gov (United States)

Mohammadi, Effat; Raissi, Ahmad Reza; Barooni, Mohsen; Ferdoosi, Massoud; Nuhi, Mojtaba

2014-01-01

Health system reforms are the most strategic issue that has been seriously considered in healthcare systems in order to reduce costs and increase efficiency and effectiveness. The costs of health system finance in our country, lack of universal coverage in health insurance, and related issues necessitate reforms in our health system financing. The aim of this research was to prepare a structure of framework for social health insurance in Iran and conducting a comparative study in selected countries with social health insurance. This comparative descriptive study was conducted in three phases. The first phase of the study examined the structure of health social insurance in four countries - Germany, South Korea, Egypt, and Australia. The second phase was to develop an initial model, which was designed to determine the shared and distinguishing points of the investigated structures, for health insurance in Iran. The third phase was to validate the final research model. The developed model by the Delphi method was given to 20 professionals in financing of the health system, health economics and management of healthcare services. Their comments were collected in two stages and its validity was confirmed. The study of the structure of health insurance in the selected countries shows that health social insurance in different countries have different structures. Based on the findings of the present study, the current situation of the health system, and the conducted surveys, the following framework is suitable for the health social insurance system in Iran. The Health Social Insurance Organization has a unique service by having five funds of governmental employees, companies and NGOs, self-insured, villagers, and others, which serves as a nongovernmental organization under the supervision of public law and by decision- and policy-making of the Health Insurance Supreme Council. Membership in this organization is based on the nationality or residence, which the insured by

The economics of health insurance.

Science.gov (United States)

Jha, Saurabh; Baker, Tom

2012-12-01

Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. Copyright © 2012 American College of Radiology. Published by Elsevier Inc. All rights reserved.

Ratio analysis and Piotroski scoring system in the automobile industry in Croatia

Directory of Open Access Journals (Sweden)

Morana Mesarić

2014-10-01

Full Text Available To gain insight into operational efficiency, sustainable profitability, the ability to fulfil commitments, use of funds borrowed or investment risk or operational self-sufficiency, it is necessary to conduct analyses of financial statements usually known as ratio analysis. The paper provides analyses of five Croatian general distributors of the automobile industry. Ratios used in the analyses are those used in the Piotroski f-scoring analyses, which are famous for assessing financial capacities of enterprises on the stock exchange market. Based on ratios used in Piotroski scoring systems the assessment of five enterprises, as well as the sector as a whole was carried out. The analysis covers the period 2007-2012. That is the period of the rise, falling and recovery of the automotive industry throughout the world as well as the rise, falling and recession of the whole economy including the automobile market. In general, the sector itself is financially unstable and consequently risk exposed. Results are used for preliminary analyses and prediction of the future financial strength of the auto industry in Croatia.

Creating a One-Stop-Shop for Automobile Solutions in Kolkata, India.

OpenAIRE

Kanoria, Shrivardhan

2009-01-01

This is a research lead business plan concerning making a one-stop-shop for automobile solutions in Kolkata, India, containing three elements of business. Firstly, it would involve restoration, buying and selling of vintage and classic cars. Secondly, it would contain modern car customisation. Thirdly, it would contain modern car servicing, buying and selling. These would be the core activities, having associates non core businesses as well.

State insurance exchanges face challenges in offering standardized choices alongside innovative value-based insurance.

Science.gov (United States)

Corlette, Sabrina; Downs, David; Monahan, Christine H; Yondorf, Barbara

2013-02-01

Value-based insurance is a relatively new approach to health insurance in which financial barriers, such as copayments, are lowered for clinical services that are considered high value, while consumer cost sharing may be increased for services considered to be of uncertain value. Such plans are complex and do not easily fit into the simplified, consumer-friendly comparison tools that many state health insurance exchanges are formulating for use in 2014. Nevertheless some states and plans are attempting to strike the right balance between a streamlined health exchange shopping experience and innovative, albeit complex, benefit design that promotes value. For example, agencies administering exchanges in Vermont and Oregon are contemplating offering value-based insurance plans as an option in addition to a set of standardized plans. In the postreform environment, policy makers must find ways to present complex value-based insurance plans in a way that consumers and employers can more readily understand.

Green commercial building insurance in Malaysia

Science.gov (United States)

Yang, Yu Xin Ou; Chew, Boon Cheong; Loo, Heoy Shin; Tan, Lay Hong

2017-03-01

Green building construction is growing tremendously globally even in Malaysia. Currently, there are approximate 636 buildings have registered and to be certified with Green Building Index. Among these buildings, 45 buildings have already fulfilled the requirements and fully certified. The other buildings still under provisional certification stage. Malaysia had adopted Green Building Index in 2009 to support a move to promote green building concept. Malaysia starts to move towards green building because Malaysian construction and building industry realizes that both energy consumed and waste produced are reduced without irreversible impacts to ecosystems. Consequently, insurance companies such as Fireman's Fund from America has started the green building insurance policies for their green building in the year of 2006, while Malaysia still remain the coverage for green buildings using conventional property insurance. There are lacks of efforts to be seen from insurance companies to propose green building insurance for these green buildings. There are a few factors which can take into consideration for insurance companies to start the very first green building insurance in Malaysia. Although there are challenges, some efficient strategies have been identified to overcome the problems. The methods used in this research topic is qualitative research. The results obtained shows that green commercial building insurance has a huge business opportunity in Malaysia because the number of green commercial buildings are increasing tremendously in Malaysia. It is a favor to implement green building insurance in Malaysia. Furthermore, insurance companies can consider to add in extra coverage in standard building policy to provide extra protection for non-certified green buildings which have the intention to rebuilt in green when damage happens. Generally, it is very important to introduce green commercial buildings insurance into Malaysia so that all of the green commercial

Perceived Relationships among Components of Insurance Service for Users of Complementary Health Insurance Service

OpenAIRE

Urban Sebjan

2013-01-01

This article explores the relationship between the components of the services provided by complementary voluntary health insurance (CVHI), to which users ascribe different levels of importance. Research model that consists of four constructs (importance of quality service, additional coverage, price discounts of CVHI and insurance company reputation) and an indicator of the importance of insurance premium of CVHI was tested with structural equation modelling (SEM) on the sample of 300 Sloveni...

Features of insurance evolution in the Internet expansion

Directory of Open Access Journals (Sweden)

A.Yu. Polchanov

2015-03-01

Full Text Available The article investigates the features of the development of insurance in the Internet expansion. Increasing the number of mobile subscribers, Internet users and social networking, as well as owners of smartphones changes the decision-making process on insurance, marketing of insurance services, the mechanism of interaction between participants of insurance relations. As a result, insurance companies and intermediaries should adjust strategies and innovate to maintain their competitive advantage. The research examined the functioning of the foreign experience of P2P insurance (for example «Friendsurance», microinsurance using mobile payment instruments (for example «Kilimo Salama», cyber-risks insurance (for example «AIG», and the possibility of using digital currencies in insurance in particular Bitcoin. According to the results of investigation the question asked to clarify a number of basic insurance terms, including money payment, the order of payment of insurance premiums, the insurance event and risk, the insurance intermediary.

Inflation Insurance

OpenAIRE

Zvi Bodie

1989-01-01

A contract to insure $1 against inflation is equivalent to a European call option on the consumer price index. When there is no deductible this call option is equivalent to a forward contract on the CPI. Its price is the difference between the prices of a zero coupon real bond and a zero coupon nominal bond, both free of default risk. Provided that the risk-free real rate of interest is positive, the price of such an inflation insurance policy first rises and then falls with time to maturity....

Deductibles in health insurance

Science.gov (United States)

Dimitriyadis, I.; Öney, Ü. N.

2009-11-01

This study is an extension to a simulation study that has been developed to determine ruin probabilities in health insurance. The study concentrates on inpatient and outpatient benefits for customers of varying age bands. Loss distributions are modelled through the Allianz tool pack for different classes of insureds. Premiums at different levels of deductibles are derived in the simulation and ruin probabilities are computed assuming a linear loading on the premium. The increase in the probability of ruin at high levels of the deductible clearly shows the insufficiency of proportional loading in deductible premiums. The PH-transform pricing rule developed by Wang is analyzed as an alternative pricing rule. A simple case, where an insured is assumed to be an exponential utility decision maker while the insurer's pricing rule is a PH-transform is also treated.

Health Insurance and Risk of Divorce: Does Having Your Own Insurance Matter?

Science.gov (United States)

Sohn, Heeju

2016-01-01

Most American adults under 65 obtain health insurance through their employers or their spouses’ employers. The absence of a universal healthcare system in the United States puts Americans at considerable risk for losing their coverage when transitioning out of jobs or marriages. Scholars have found evidence of reduced job mobility among individuals who are dependent on their employers for healthcare coverage. This paper finds similar relationships between insurance and divorce. I apply the hazard model to married individuals in the longitudinal Survey of Income Program Participation (N=17,388) and find lower divorce rates among people who are insured through their partners’ plans without alternative sources of their own. Furthermore, I find gender differences in the relationship between healthcare coverage and divorce rates: insurance dependent women have lower rates of divorce than men in similar situations. These findings draw attention to the importance of considering family processes when debating and evaluating health policies. PMID:26949269

Private health insurance: implications for developing countries.

Science.gov (United States)

Sekhri, Neelam; Savedoff, William

2005-02-01

Private health insurance is playing an increasing role in both high- and low-income countries, yet is poorly understood by researchers and policy-makers. This paper shows that the distinction between private and public health insurance is often exaggerated since well regulated private insurance markets share many features with public insurance systems. It notes that private health insurance preceded many modern social insurance systems in western Europe, allowing these countries to develop the mechanisms, institutions and capacities that subsequently made it possible to provide universal access to health care. We also review international experiences with private insurance, demonstrating that its role is not restricted to any particular region or level of national income. The seven countries that finance more than 20% of their health care via private health insurance are Brazil, Chile, Namibia, South Africa, the United States, Uruguay and Zimbabwe. In each case, private health insurance provides primary financial protection for workers and their families while public health-care funds are targeted to programmes covering poor and vulnerable populations. We make recommendations for policy in developing countries, arguing that private health insurance cannot be ignored. Instead, it can be harnessed to serve the public interest if governments implement effective regulations and focus public funds on programmes for those who are poor and vulnerable. It can also be used as a transitional form of health insurance to develop experience with insurance institutions while the public sector increases its own capacity to manage and finance health-care coverage.

Teamwork in the Automobile Industry Ð An Anglo-German Comparison

OpenAIRE

Niels-Erik Wergin

2003-01-01

Teamwork in the automotive industry varies significantly from plant to plant. This article compares teamwork in four automobile plants in Germany and Britain, and addresses two questions: (1) Do different models of teamwork fit into a bi-polar model of teamwork, being either innovative or structural conservative? (2) Do current models of teamwork signify a development towards post-fordism, or are they merely part of a neo-fordist rationalisation of production? The following answers are sugges...

Automobile inspection system based on wireless communication

Science.gov (United States)

Miao, Changyun; Ye, Chunqing

2010-07-01

This paper aims to research the Automobile Inspection System based on Wireless Communication, and suggests an overall design scheme which uses GPS for speed detection and Bluetooth and GPRS for communication. The communication between PDA and PC was realized by means of GPRS and TCP/IP; and the hardware circuit and software for detection terminal were devised by means of JINOU-3264 Bluetooth Module after analyzing the Bluetooth and its communication protocol. According to the results of debugging test, this system accomplished GPRS based data communication and management as well as the real-time detection on auto safety performance parameters in crash test via PC, whereby the need for mobility and reliability was met and the efficiency and level of detection was improved.

Risk segmentation in Chilean social health insurance.

Science.gov (United States)

Hidalgo, Hector; Chipulu, Maxwell; Ojiako, Udechukwu

2013-01-01

The objective of this study is to identify how risk and social variables are likely to be impacted by an increase in private sector participation in health insurance provision. The study focuses on the Chilean health insurance industry, traditionally dominated by the public sector. Predictive risk modelling is conducted using a database containing over 250,000 health insurance policy records provided by the Superintendence of Health of Chile. Although perceived with suspicion in some circles, risk segmentation serves as a rational approach to risk management from a resource perspective. The variables that have considerable impact on insurance claims include the number of dependents, gender, wages and the duration a claimant has been a customer. As shown in the case study, to ensure that social benefits are realised, increased private sector participation in health insurance must be augmented by regulatory oversight and vigilance. As it is clear that a "community-rated" health insurance provision philosophy impacts on insurance firm's ability to charge "market" prices for insurance provision, the authors explore whether risk segmentation is a feasible means of predicting insurance claim behaviour in Chile's private health insurance industry.

Insurance - Piper Alpha ''et al''

International Nuclear Information System (INIS)

Hales, K.

1995-01-01

This paper opens with some brief information about the Piper Alpha loss, how the loss was handled and its final cost. More importantly, it discusses the effect of the Piper Alpha loss on the world insurance market including the oil insurance captives such as O.I.L Limited. Finally, the insurance market current status and prognosis for the future are considered. (Author)

Modelling in life insurance a management perspective

CERN Document Server

Norberg, Ragnar; Planchet, Frédéric

2016-01-01

Focussing on life insurance and pensions, this book addresses various aspects of modelling in modern insurance: insurance liabilities; asset-liability management; securitization, hedging, and investment strategies. With contributions from internationally renowned academics in actuarial science, finance, and management science and key people in major life insurance and reinsurance companies, there is expert coverage of a wide range of topics, for example: models in life insurance and their roles in decision making; an account of the contemporary history of insurance and life insurance mathematics; choice, calibration, and evaluation of models; documentation and quality checks of data; new insurance regulations and accounting rules; cash flow projection models; economic scenario generators; model uncertainty and model risk; model-based decision-making at line management level; models and behaviour of stakeholders. With author profiles ranging from highly specialized model builders to decision makers at chief ex...

The Problem of Multiplicity of Insurance Contracts from the Fire to the Money of the Insured in the Jordanian Civil Law

Directory of Open Access Journals (Sweden)

Dr. Nabeel Farhan Al Shatanawi

2017-11-01

Full Text Available The insured, in some cases the conclusion of more than a decade of insurance against risk of fire to more than insurance companies, so as to increase the total amount of insurance cover for the value of the money of the insured, what is the extent of commitment by all insurance companies to pay compensation when the risk of fire? This study sheds light on the position of the Jordanian legislature to demonstrate the shortcomings and imperfections in the drawback of legislative texts the issue of multiple insurance contracts from the fire, and realized the need to restore the Jordanian legislature consideration of this legislative regulation in terms of the need to distinguish between the insurer and the good faith and bad faith in the case of multiple insurance contracts and their impact on the right to obtain compensation when the danger, and the provisions of the commitment of the insured to notify the insurance company in multiple insurance contracts.

Employability and Technical Skill Required to Establish a Small Scale Automobile Workshop

Science.gov (United States)

Olaitan, Olawale O.; Ikeh, Joshua O.

2015-01-01

The study focused on identifying the employability and technical skills needed to establish small-scale automobile workshop in Nsukka Urban of Enugu State. Five purposes of the study were stated to guide the study. Five research questions were stated and answered in line with the purpose of the study. The population for the study is 1,500…

75 FR 72965 - Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile...

Science.gov (United States)

2010-11-29

... rate based on the type of POV you actually use (privately owned airplane, privately owned automobile... HOUSEHOLD GOODS AND PROFESSIONAL BOOKS, PAPERS, AND EQUIPMENT (PBP&E) 0 29. The authority citation for 41...

FEATURES OF PROFESSIONAL LIABILITY INSURANCE REALIZATION IN UKRAINE

Directory of Open Access Journals (Sweden)

О. Lobova

2015-04-01

Full Text Available The signs of professional liability insurance are generalized in the article. It is the presence of losses, additional costs that require mechanisms and sources of compensation. The essence of the professional responsibility concept is determined and it is characterized like specialists material liability of different professions, lack of qualifications, errors and omissions are due to carelessness or negligence may cause harm to the client The main elements of the professional liability insurance contract, such as insurance objects, insurance compensation, insurance risks are described. The types of professional liability insurance are characterized. There are such types of the professional liability insurance: professional liability insurance of architect, lawyer, auditor (accountant, appraiser, notary, customs broker and doctor. It is determined, that the most widespread in Ukraine is the professional liability insurance of lawyer and customs broker because the policy is purchased for the sole purpose to obtain a license. The size of insurance rates in the provision of professional liability insurance in different insurance companies of Ukraine are analyzed. It is established that insurance rate depends on the type of professional activity, scope of service, qualifications and the other factors. The development impulse can only provide judicial and legal definition of professions wide list that are subject under mandatory professional liability insurance.

DETECTION RELEVANCY OF SOME FACTORS INFLUENCING ON AIR POLLUTION FROM AUTOMOBILE AND ROAD COMPLEX

Directory of Open Access Journals (Sweden)

Radkevich, M.

2013-01-01

Full Text Available The dependence between the pavement evenness and the emissions of air pollutants from automobile – road sector is detected. It is proposed to take the pavement evenness for the assessment criterion of greenhouse and other gases emissions.

Insurance. Part 3. Property, housing, and disaster insurance (a bibliography with abstracts). Report for 1964--Jun 1975

International Nuclear Information System (INIS)

Young, M.E.

1975-08-01

Several types of insurance are discussed in the three part bibliography. Part 3 includes citations on property and mortgage insurance, and insurance for such disasters as floods, fires, earthquakes, and nuclear accidents. (Contains 70 abstracts)

Determinants of health insurance and hospitalization

Directory of Open Access Journals (Sweden)

Tadashi Yamada

2014-12-01

Full Text Available Our paper empirically examines how the decision to purchase private insurance and hospitalization are made based on household income, socio-demographic factors, and private health insurance factors in both Japan and the USA. Using these two data-sets, we found some similarities and dissimilarities between Japan and the United States. As income of households rises, households have a positive effect on purchasing health insurance as a normal good. Another similarity between the two countries is seen in the income effect on risk of hospitalization, which is negative for both Japanese and US cases. For dissimilarity, the insurance premium effect on risk of hospitalization is positive for the Japanese case, while negative for the US case. Since the Japanese insurance data had variables such as payments per day of hospitalization if household gets hospitalized, insurance payments upon death of an insured person, and annuity payments at maturity, we tested to see if these characteristics affect the risk of hospitalization for households; we do not eliminate a possibility of adverse selection. For the US pure health issuance characteristics, an increase in premium of health insurance policies cause individuals to substitute more health capital investment which causes lower risk of hospitalization.

Automobile dependence in cities: An international comparison of urban transport and land use patterns with implications for sustainability

International Nuclear Information System (INIS)

Kenworthy, J.R.; Laube, F.B.

1996-01-01

Cities around the world are subject to increasing levels of environmental impact from dependence on the automobile. In the highly auto-dependent cities of the US and Australia, this is manifested in problems such as urban sprawl and its destruction of prime farming land and natural landscapes, photochemical smog that can be primarily attributed to auto emissions. On top of the more local impacts of the automobile, the global dimension should not be forgotten. Perhaps the two most pressing issues in this regard are the oil problem and the greenhouse problem. A comparison of global cities over the period 1980 to 1990 reveals large differences in automobile dependence with implications for the future sustainability of cities in different countries. This study explores some of the underlying land use, transport, and economic reasons for these different transport patterns. It briefly reviews what the sustainability agenda means for transport and land use patterns in cities and suggests a suite of targets or goals for sustainability by which cities might measure their current directions and plans

Nuclear property insurance: status and outlook

International Nuclear Information System (INIS)

1982-05-01

The report addresses the problem of the unavailability of adequate levels of property insurance for commercial power reactors to pay for decontamination and cleanup costs arising from accidents. The report is designed to answer six questions, as follows: (1) What has been the development of each principal source of nuclear property insurance used as of early 1982 by nuclear utilities in the United States; (2) What are some of the distinguishing features of nuclear property insurance as offered by the principal sources; (3) How much nuclear property insurance was offered by each of these sources as of January 1, 1982; (4) Assuming that present plans came to fruition, how much nuclear property insurance is likely to be offered by each of these sources as of January 1, 1983; (5) What, if any, principal sources of nuclear property insurance are likely to emerge in the private sector by January 1, 1983; (6) What problems serious enough to warrant action of the NRC exist with respect to nuclear property insurance and what action should NRC take in response to each problem

24 CFR 206.102 - General Insurance Fund.

Science.gov (United States)

2010-04-01

... Insurance Fund. [60 FR 42761, Aug. 16, 1995] Mortgage Insurance Premiums ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false General Insurance Fund. 206.102... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

HEALTH INSURANCE

CERN Multimedia

2000-01-01

The CERN-AUSTRIA Agreement, which implemented CERN's health insurance scheme, expired on 31 December 1999.In accordance with CERN's rules, a call for tenders for the management of the health insurance scheme was issued and the contract was once again awarded to AUSTRIA. In June 1999, the Finance Committee thus authorised the Management to conclude a new contract with AUSTRIA, which came into force on 1st January 2000.Continuity is thus assured on favourable conditions and the transition from one contract to the other will entail no substantial changes in the system for those insured at CERN except for a few minor and purely formal amendmentsWHAT REMAINS UNCHANGEDThe list of benefits, i.e. the 'cover' provided by the system, is not changed;Neither is the reimbursement procedure.AUSTRIA's office at CERN and its opening hours as well as its city headquarters remain the same. The envelopes containing requests for reimbursement have had to be sent (since the end of 1998) to :Rue des Eaux-Vives 94Case postale 64021...

The Role of Nuclear Insurance Pools

International Nuclear Information System (INIS)

Reitsma, S. M. S.

2006-01-01

Since fifty years insurers respond to the need of both governments and the electricity industry to provide financial protection to cover the perils presented by the use of nuclear energy for peaceful purposes. This paper aims at explaining what difficulties had to be solved in order to enable insurers to provide such protection, that as a solution to these difficulties Nuclear Insurance Pools were formed, how such pools operate and what security they provide. Thereby not only a number of universal principles underlying nuclear pool insurance will be explained, but also some differences in the characteristics of such insurance per group of countries. (author)

78 FR 71476 - Health Insurance Providers Fee

Science.gov (United States)

2013-11-29

.... The final regulations clarify that these benefits constitute health insurance when they are offered by... insurance. Limited Scope Dental and Vision Benefits The proposed regulations defined health insurance to... revising the definition of health insurance to exclude limited scope dental and vision benefits (sometimes...

17 CFR 256.924 - Property insurance.

Science.gov (United States)

2010-04-01

... insurance premiums to protect the service company against losses and damages to owned or leased property... covered, and the applicable premiums. Any dividends distributed by mutual insurance companies shall be credited to the accounts to which the insurance premiums were charged. ...

Talking about the Automobile Braking System

Science.gov (United States)

Xu, Zhiqiang

2017-12-01

With the continuous progress of society, the continuous development of the times, people’s living standards continue to improve, people continue to improve the pursuit. With the rapid development of automobile manufacturing, the car will be all over the tens of thousands of households, the increase in car traffic, a direct result of the incidence of traffic accidents. Brake system is the guarantee of the safety of the car, its technical condition is good or bad, directly affect the operational safety and transportation efficiency, so the brake system is absolutely reliable. The requirements of the car on the braking system is to have a certain braking force to ensure reliable work in all cases, light and flexible operation. Normal braking should be good performance, in addition to a foot sensitive, the emergency brake four rounds can not be too long, not partial, not ring.

Drivers of Finished-Goods Inventory in the U.S. Automobile Industry

OpenAIRE

Gérard P. Cachon; Marcelo Olivares

2010-01-01

Automobile manufacturers in the U.S. supply chain exhibit significant differences in their days of supply of finished vehicles (average inventory divided by average daily sales rate). For example, from 1995 to 2004, Toyota consistently carried approximately 30 fewer days of supply than General Motors. This suggests that Toyota's well-documented advantage in manufacturing efficiency, product design, and upstream supply chain management extends to their finished-goods inventory in their downstr...

Comparison study of multistep forging and injection forging of automobile fasteners

OpenAIRE

Chen Senyong; Qin Yi

2015-01-01

In order to improve production efficiency, injection forging as a feasible approach was introduced to automobile fasteners production. In the study reported in this paper, two forging approaches, traditional multistep forging and injection forging, were analysed by using a finite element method. Using ABAQUS and DEFORM, some significant factors, namely, forging force, energy consumption, component accuracy and stress distribution in the die, were compared to explore the potential and challeng...

Health Insurance Literacy: How People Understand and Make Health Insurance Purchase Decisions

Science.gov (United States)

Vardell, Emily Johanna

2017-01-01

The concept of health insurance literacy, which can be defined as "the extent to which consumers can make informed purchase and use decisions" (Kim, Braun, & Williams, 2013, p. 3), has only recently become a focus of health literacy research. Though employees have been making health insurance decisions for many years, the Affordable…

Entrepreneurial Moral Hazard in Income Insurance

NARCIS (Netherlands)

Ejrnaes, Mette; Hochguertel, Stefan

2008-01-01

We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a

How to Shop for Health Insurance

Science.gov (United States)

... health insurance kicks in. As a general rule, insurance plans with low premiums have high deductibles, and plans with high premiums ... other plans due to hardship. This type of insurance can have low premiums but very high deductibles. Plans generally cover less ...

Insurance Cover for Revised Nuclear Liability

International Nuclear Information System (INIS)

Reitsma, S. M. S.

2008-01-01

The financial security to be provided to victims of an incident at a nuclear installation is the main objective of international nuclear liability conventions. As from the introduction of the Paris Convention on Third Party Liability in the Field of Nuclear Energy in 1960 and the Vienna Convention on Liability for Nuclear Damage in 1963 insurers have been prepared to provide the financial capacity needed to cover the liability under both conventions. They did so in close co-operation with the competent national and international authorities, which has resulted in the insurability of as much of the nuclear liability under the conventions as possible. This tradition of co-operation between authorities and insurers was extended to include the revision negotiations regarding the above conventions, which were concluded in 1997 and 2004 respectively. This has resulted in the insurability of by far the largest part of the convention based liability. However, some heads of damage have been introduced about which insurers had expressed concerns as to their likelihood to attract insurance support. In view of the explicit choice by Convention States to include the uninsurable heads of damage into the revised conventions one would expect that liability for them would fall upon national Governments. This would reflect practice in a number of States, which already assume liability for uninsurable mandatory liabilities for a long time. Nonetheless some other States now seem reluctant to do so, the resulting deadlock having a tendency to manifest itself in a negative perception of the insurance industry. Insurers are therefore appreciative of the forum provided by the CNS to once again explain the areas where problems as regards insurability have arisen and why this is the case. This presentation will show that those areas are few in number and notably relate to a limited number of environmental damages as well as the extension of prescription periods. Furthermore, thoughts will

Liability and Insurance for Suborbital Flights

Science.gov (United States)

Masson-Zwaan, T.

2012-01-01

This paper analyzes and compares liability and liability insurance in the fields of aviation and spaceflight in order to propose solutions for a liability regime and insurance options for suborbital flights. Suborbital flights can be said to take place in the grey zone between air and space, between air law and space law, as well as between aviation insurance and space insurance. In terms of liability, the paper discusses air law and space law provisions in the fields of second and third party liability for damage to passengers and 'innocent bystanders' respectively, touching upon international treaties, national law and EU law, and on insurance to cover those risks. Although the insurance market is currently not ready to provide tailor-made products for operators of suborbital flights, it is expected to adapt rapidly once such flights will become reality. A hybrid approach will provide the best solution in the medium term.

Environmental strategies in the automobile industry; Umweltstrategien in der Automobilbranche

Energy Technology Data Exchange (ETDEWEB)

Bratzel, S.; Tellermann, R. [Center of Automotive, FHDW, Bergisch Gladbach (Germany)

2007-12-15

An actual market analysis on the environment strategies of the automobile industry concludes that the large companies react preferential with marketing measures to the climatic change debate and do not consequently support innovative environmental technology developments. The study show that the companies BMW, Toyota, and Volkswagen have the best environmental stategies, Daimler, Ford, Honda Porsche, Peugeot, Citroen show fragments of an environmental strategey, Chrysler, General Motors, Fiat, Mitsubishi and Nissan/Renault invest in marketing strategies, but not in environmental strategies.

Amplitude-phase characteristics of regulators of high -speed automobile diesels

OpenAIRE

Тырловой, С. И.

2009-01-01

The regulator frequency response has been analyzed to work out a strategy for repairing and renewal of fuel equipment used by foreign high-speed automobile diesels. For taking into consideration the heavy gradients of kinetic energy of the regulator elements the Lagrange equation of the second kind that includes the partial derivative of kinetic energy along the axis of motion of a gauge clutch was used.  Such a record, which was not kept for the known models, allowed for considerable clarifi...

Determinants of Health Insurance Coverage among People Aged 45 and over in China: Who Buys Public, Private and Multiple Insurance

Science.gov (United States)

Jin, Yinzi; Hou, Zhiyuan; Zhang, Donglan

2016-01-01

Background China is reforming and restructuring its health insurance system to achieve the goal of universal coverage. This study aims to understand the determinants of public, private and multiple insurance coverage among people of retirement-age in China. Methods We used data from the China Health and Retirement Longitudinal Survey 2011 and 2013, a nationally representative survey of Chinese people aged 45 and over. Multinomial logit regression was performed to identify the determinants of public, private and multiple health insurance coverage. We also conducted logit regression to examine the association between public insurance coverage and demand for private insurance. Results In 2013, 94.5% of this population had at least one type of public insurance, and 12.2% purchased private insurance. In general, we found that rural residents were less likely to be uninsured (Relative Risk Ratio (RRR) = 0.40, 95% Confidence Interval (CI): 0.34–0.47) and were less likely to buy private insurance (RRR = 0.22, 95% CI: 0.16–0.31). But rural-to-urban migrants were more likely to be uninsured (RRR = 1.39, 95% CI: 1.24–1.57). Public health insurance coverage may crowd out private insurance market (Odds Ratio = 0.55, 95% CI: 0.48–0.63), particularly among enrollees of Urban Resident Basic Medical Insurance. There exists a huge socioeconomic disparity in both public and private insurance coverage. Conclusion The migrants, the poor and the vulnerable remained in the edge of the system. The growing private insurance market did not provide sufficient financial protection and did not cover the people with the greatest need. To achieve universal coverage and reduce socioeconomic disparity, China should integrate the urban and rural public insurance schemes across regions and remove the barriers for the middle-income and low-income to access private insurance. PMID:27564320

ECONOMIC AND MANAGERIAL APPROACH OF HEALTH INSURANCES

Directory of Open Access Journals (Sweden)

Georgeta Dragomir

2007-05-01

Full Text Available The paper represents an analysis in the domain of the social insurances for health care. It emphasizesthe necessity and the opportunity of creating in Romania a medical service market based on the competingsystem. In Romania, the social insurances for health care are at their very beginning. The development of thedomain of the private insurances for health care is prevented even by its legislation, due to the lack of anormative act that may regulate the management of the private insurances for health care. The establishment ofthe legislation related to the optional insurances for health care might lead to some activity norms for thecompanies which carry out optional insurances for health care. The change of the legislation is made in order tocreate normative and financial opportunities for the development of the optional medical insurances. Thischange, as part of the social protection of people, will positively influence the development of the medicalinsurance system. The extension of the segment of the optional insurances into the medical insurance segmentincreases the health protection budget with the value of the financial sources which do not belong to thebudgetary funds.

Nuclear insurance problems in Spain

International Nuclear Information System (INIS)

Gomez del Campo, Julian.

1977-01-01

The purpose of this paper is to study the problems raised in Spain by third party liability insurance for nuclear damage. National law in this field is based on the Paris Convention on nuclear third party liability and defines the conditions of liability of operators of nuclear installations. The insurance contract requirements must comply with the regulations on cover for nuclear risks, under the control of the Finance Ministry's competent services. Certain exceptional nuclear risks which cannot be covered entirely by ordinary insurance policies, are taken over by the Consorcio de Compensacion de Seguros which belongs to this Ministry. From the insurance viewpoint, the regulations make a distinction between nuclear and radioactive installations and nuclear transport. (NEA) [fr

INSURANCE INDUSTRY IN ERITREA - ACHIEVEMENTS AND CHALLENGES

OpenAIRE

Rena, Ravinder

2007-01-01

The industrial revolution led to the birth of different types of insurance systems. Insurance business emerged and developed in Eritrea during the Italian period. The insurance industry in Eritrea has been huge profits from its inception in 1992. In spite of the consistent profits by the insurance, the Government privatised it recently due the policy and revenue requirements. An attempt is made in this paper to discuss the background of the insurance and it evolution and development. This pap...

Insurance considerations associated with radiation processing

International Nuclear Information System (INIS)

Boylan, F.X.

1979-01-01

Comments are made on nuclear insurance experience in the United States. The subject is discussed in more detail under the headings: direct physical damage insurance; workers' compensation insurance; third party liability (premises and operations considerations; products considerations); possible alternatives to the existing arrangement. (U.K.)

20 CFR 617.58 - Unemployment insurance.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment insurance. 617.58 Section 617.58 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TRADE ADJUSTMENT ASSISTANCE... Unemployment insurance. Unemployment insurance payable to an adversely affected worker shall not be denied or...

48 CFR 47.102 - Transportation insurance.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Transportation insurance... MANAGEMENT TRANSPORTATION General 47.102 Transportation insurance. (a) The Government generally (1) retains... assumed responsibility. The cost of this insurance to the carrier shall be part of the transportation cost...

24 CFR 200.100 - Insurance endorsement.

Science.gov (United States)

2010-04-01

... a commitment for insured advances, initial endorsement of the credit instrument shall occur before... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 200.100... Endorsement Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and...

Vaccines as Epidemic Insurance.

Science.gov (United States)

Pauly, Mark V

2017-10-27

This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines) in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs) but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage). It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.

Vaccines as Epidemic Insurance

Directory of Open Access Journals (Sweden)

Mark V. Pauly

2017-10-01

Full Text Available This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage. It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.

Retroactive insurance may fund TMI-2 cleanup

International Nuclear Information System (INIS)

Anon.

1981-01-01

A Pennsylvania task force recommended that nuclear utilities insure their plants with a mandatory national property insurance program. The proposed Nuclear Powerplant Property Damage Insurance Act of 1981 will cover the cleanup costs of onsite damage in excess of $350 million for a single accident ($50 million when private insurance is added on) and a ceiling of two billion dollars. Participation in the insurance pool would be in conjunction with licensing and would permit no grandfathering. Total payout for Three Mile Island-2 would cover 75% of the cleanup costs, the remainder to be apportioned among other parties. The insurance pool will have a $750 million goal supported by utility premiums

7 CFR 764.108 - General insurance requirements.

Science.gov (United States)

2010-01-01

... covered by hazard insurance if it is readily available (sold by insurance agents in the applicant's normal... for the insurance indemnity payment or as a beneficiary in the mortgagee loss payable clause. (b) Real estate security located in flood or mudslide prone areas must be covered by flood or mudslide insurance...

Knowledge and attitude towards dental insurance and utilization of dental services among insured and uninsured patients: A cross-sectional study

Directory of Open Access Journals (Sweden)

Radhika Maniyar

2018-01-01

Conclusion: Knowledge regarding dental insurance was poor in both groups, while the insured group showed a more positive attitude toward benefits of dental insurance. Utilization of dental services was seen more among insured group.

Nuclear power plant insurance - experience and loss statistics

International Nuclear Information System (INIS)

Feldmann, J.; Dangelmaier, P.

1982-01-01

Nuclear power plants are treated separately when concluding insurance contracts. National insurance pools have been established in industrial countries, co-operating on an international basis, for insuring a nuclear power plant. In combined property insurance, the nuclear risk is combined with the fire risk. In addition, there are the engineering insurances. Of these, the one of significance for nuclear power plants is the machinery insurance, which can be covered on the free insurance market. Nuclear power plants have had fewer instances of damage than other, conventional installations. (orig.) [de

Public and private health insurance premiums: how do they affect the health insurance status of low-income childless adults?

Science.gov (United States)

Guy, Gery P; Adams, E Kathleen; Atherly, Adam

2012-01-01

The Patient Protection and Affordable Care Act (ACA) will substantially increase public health insurance eligibility and alter the costs of insurance coverage. Using Current Population Survey (CPS) data from the period 2000-2008, we examine the effects of public and private health insurance premiums on the insurance status of low-income childless adults, a population substantially affected by the ACA. Results show higher public premiums to be associated with a decrease in the probability of having public insurance and an increase in the probability of being uninsured, while increased private premiums decrease the probability of having private insurance. Eligibility for premium assistance programs and increased subsidy levels are associated with lower rates of uninsurance. The magnitudes of the effects are quite modest and provide important implications for insurance expansions for childless adults under the ACA.

24 CFR 241.1245 - Insurance endorsement.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 241.1245... Rights and Obligations § 241.1245 Insurance endorsement. (a) Endorsement. The Commissioner shall indicate his insurance of the equity loan or acquisition loan by endorsing the original credit instrument and...

2 CFR 215.31 - Insurance coverage.

Science.gov (United States)

2010-01-01

... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided to property owned by the recipient. Federally-owned property need not be insured unless required by the terms and conditions of the award. ...

36 CFR 1210.31 - Insurance coverage.

Science.gov (United States)

2010-07-01

....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with NHPRC funds as provided to property owned by the recipient. Federally-owned property need not be insured unless required by the terms and conditions of the award. ...

24 CFR 221.254 - Mortgage insurance premiums.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premiums. 221... Cost Homes § 221.254 Mortgage insurance premiums. (a) All of the provisions of §§ 203.260 through 203.295 of this chapter relating to mortgage insurance premiums shall apply to mortgages insured under...

Health insurance--a challenge in India.

Science.gov (United States)

Presswala, R G

2004-01-01

In India, indemnity health insurance started about 3 decades ago. Mediclaim was the most popular product. Indian insurers and multinational companies have not been enthusiastic about starting health insurance in spite of the availability of a good market because health insurers have historically incurred losses. Losses have been caused by poor administration. Because it is a small portion of their total businesses, insurers have never tried sincerely to improve deficiencies or taken special interest. Hospital management and medical specialists have the spirit of entrepreneurship and are prepared to learn quickly and follow managed care principles, though they are not currently practiced in India. Actuarial data from the health insurance industry is sparse, but data from alternative sources will be helpful for starting managed healthcare. In my opinion, if properly administered, a "limited" managed care product with appropriate precautions and premium levels will be successful and profitable and will compete with present indemnity products in India.

Can universal access be achieved in a voluntary private health insurance market? Dutch private insurers caught between competing logics.

Science.gov (United States)

Vonk, Robert A A; Schut, Frederik T

2018-05-07

For almost a century, the Netherlands was marked by a large market for voluntary private health insurance alongside state-regulated social health insurance. Throughout this period, private health insurers tried to safeguard their position within an expanding welfare state. From an institutional logics perspective, we analyze how private health insurers tried to reconcile the tension between a competitive insurance market pressuring for selective underwriting and actuarially fair premiums (the insurance logic), and an upcoming welfare state pressuring for universal access and socially fair premiums (the welfare state logic). Based on primary sources and the extant historiography, we distinguish six periods in which the balance between both logics changed significantly. We identify various strategies employed by private insurers to reconcile the competing logics. Some of these were temporarily successful, but required measures that were incompatible with the idea of free entrepreneurship and consumer choice. We conclude that universal access can only be achieved in a competitive individual private health insurance market if this market is effectively regulated and mandatory cross-subsidies are effectively enforced. The Dutch case demonstrates that achieving universal access in a competitive private health insurance market is institutionally complex and requires broad political and societal support.

Research on embedded automobile collision avoidance system

Directory of Open Access Journals (Sweden)

TAO Feng

2016-08-01

Full Text Available Taking ARM embedded Linux operating system as the development platform,combined with AVR microcontroller,while optimizing the ranging algorithm and using air ultrasonic transducer,the measurement range of which can be up to 50 meter,this paper designs a high-precision,range far,low price,various models suitable automobile collision avoidance warning system.The system adopts Forlinx OK6410 development board for the master.AVR microcontroller is responsible for taking the data of traveling distance between vehicles,and with the ARM development board via RS232 communication transfers vehicle′s distance and speed information to the ARM development boards.The system uses the established collision avoidance model to get alarm information.Experiments show that the system can accurately send out alarm information within a certain range.It is innovative and practical.

BEHAVIORAL ASPECTS IN INSURANCE MARKET

Directory of Open Access Journals (Sweden)

Stroe Andreea

2013-07-01

In this paper there are showed and debated some situation in which psychological effects like loss aversion, reference point, status-quo and framming effects can influence the deccision of the consumer and are not consistent with the standard economic model.In addition to this aspects, Cumulative Prspect Theory enhance the fact that decision makers overestimate low peobabilities and underestimate high probabilities,thus buying inadequate insurance in many situation.in thiss sense, in order to support this idea I tried to make a qualitative presentation of the model used on the insurance market using Prelec function which is the function related with the Cumulative Prospect Theory which can be used in the insurance context.The weak points of the theory of expected utility are explained through this new perspectives and nevertheless aspects like insensivity to bad news concerning incomes,elasticity of price,displacements of status-quo and default,disposition effect and equity premium are taken into consideration.As example,I chose a Kunreuther experiment about insurance decision in with is underlyined the fact that for moderate risk people buy insurance with premiums that exceed the expected loss.There are demands for low deductibles in the the markets for extended guarantees and insurances for mobile phones where was observed that the insurance underwriting rate increases with the probability of loss keeping the expected loss constant.It is better to mention that the theory and the model that are presented here comes as complementary to the economic standard theory not as a substitute.

The imagine of establishing China nuclear insurance model

International Nuclear Information System (INIS)

Wu Yimin

2010-01-01

Nuclear power Insurance is one important technique for risk managements of Nuclear power Enterprises. At present, nuclear risk of Nuclear power plants in China has been mainly supported by China Nuclear Insurance pool (hereinafter called CNP) to get coverage from International Nuclear Insurance pool (hereinafter called NIP). CNIP has several advantages to confirm low-cost. Operation, such as large underwriting capacity, international approval and cession, direct writing without agents. However, there are both deficiencies, first, can not get rid of dependence on International markets ; second, in the absence of competition in Self- insurance organizations , tough and opaque premium offer greatly restricted the enthusiasm for Nuclear power plants insuring .But the next ten year is a golden decade for China Nuclear industry development; Nuclear power market is demonstrating tremendous growth potential. With new units put into operation, all kinds of nuclear insurance demand will release when subject-matter insured substantially increase. So, breaking the current bottleneck of China Nuclear Insurance and establishing China Nuclear Insurance (hereinafter called: Nuclear insurance) model adapting to China national conditions will play an important role in Nuclear power development. I made the advice that both domestic nuclear enterprises and general insurance companies initiate a 'Nuclear insurance company'. (authors)

24 CFR 241.570 - Insurance endorsement.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance endorsement. 241.570... § 241.570 Insurance endorsement. (a) Initial endorsement. The Commissioner shall indicate his/her insurance of the mortgage by endorsing the original credit instrument and identifying the section of the Act...

Statistical tools for non-life insurance

NARCIS (Netherlands)

Antonio, K.

2008-01-01

Within the actuarial profession a major challenge can be found in the construction of a fair tariff structure. In light of the heterogeneity within, for instance, a car insurance portfolio, an insurance company should not apply the same premium for all insured risks. Otherwise the so-called concept

On a Stochastic Model in Insurance

Indian Academy of Sciences (India)

Insurance mathematics today is considered a part of applied probability theory. Main objectives are modelling of claims that arrive in an insurance business, and decide how premiums are to be charged to avoid ruin of the insurance company. GENERAL I ARTICLE various results and the heuristics can be appreciated.

NEW VECTORS OF THE MOTOR INSURANCE DEVELOPMENT IN UKRAINE

Directory of Open Access Journals (Sweden)

N. Prikazyuk

2015-04-01

Full Text Available The essence and features of different forms of motor insurance are studied. As investigated, the motor insurance is one of the most popular types of insurance in many countries, and continues its further quality development. It is stated that the following new vectors of development has been recently observed in developed countries: Internet sales are getting significantly prevalent along with the traditional channels of insurance distribution; insurers’ websites provide a wide range of online features in motor insurance; innovations in motor insurance based on the use of telematics, particularly the usage-based insurance, are widely spread. Basic types of motor insurance, which represent the domestic market, are analyzed. It was found that the share of motor insurance in the insurance market of Ukraine is significant. As established, the proportion of net premiums of motor insurance is decreasing, because its development is significantly influenced by economic factors. Measures, applied by insurance companies in the domestic market of motor insurance to attract new customers and retain the existing ones, are defined. In particular, insurers are trying to develop the implementation of insurance services online, and use possibilities offered by mobile technologies. It was found that the domestic market of motor insurance is characterized by a high level of fraud, that is why some innovative measures in the domestic and international motor insurance agreements are taken to decrease it, such as the introduction of mandatory registration of insurance agents, who have the right to perform mediatory activity in compulsory civil liability insurance of owners of motor vehicles (CCLIOMV, and procedures for contracting the international insurance “Green Card” agreements with simultaneous entering the information on concluded agreement into a unified centralized database of Motor (transport insurance bureau of Ukraine using the “Green Card online�

Head-up and head-down displays integration in automobiles

Science.gov (United States)

Betancur, J. Alejandro; Osorio-Gómez, Gilberto; Agudelo, J. David

2014-06-01

In automotive industry, the dashboard has been ergonomically developed in order to keep the driver focused on the horizon while driving, but the possibility to access external electronic devices constraints the driver to turn away his face, generating dangerous situations in spite of the short periods of time. Therefore, this work explores the integration of Head-Up Displays and Head-Down Displays in automobiles, proposing configurations that give to drivers the facility to driving focused. In this way, some of the main ergonomic comments about those configurations are proposed; and also, some technical comments regarding the implemented arrangements are given.

Prevalence and predictors of home and automobile smoking bans and child environmental tobacco smoke exposure: a cross-sectional study of U.S.- and Mexico-born Hispanic women with young children

Directory of Open Access Journals (Sweden)

Kegler Michelle C

2006-10-01

Full Text Available Abstract Background Detrimental effects of environmental tobacco smoke (ETS exposure on child health are well documented. Because young children's primary exposure to ETS occurs in homes and automobiles, voluntary smoking restrictions can substantially reduce exposure. We assessed the prevalence of home and automobile smoking bans among U.S.- and Mexico-born Hispanics in the southwestern United States, and examined the influence of mother's country of birth and smoking practices on voluntary smoking bans and on child ETS exposure. Methods U.S.- and Mexico-born Hispanic mothers of children aged 2 through 12 years were systematically sampled from health clinics in Albuquerque, New Mexico. In-person interviews were conducted with 269 mothers (75.4% response rate to obtain information on main study outcomes (complete versus no/partial home and automobile smoking bans; child room and automobile ETS exposure and risk factors (mother's country of birth, maternal and household smoking behaviors. Data were analyzed with chi square tests and logistic regression models. Results Three-fourths (74–77% of U.S.-born and 90–95% of Mexico-born mothers reported complete automobile and home smoking bans. In multivariate analyses, mother's U.S nativity, mother's current smoking, and presence of other adult smokers in the home were associated with significantly increased odds of not having a complete home or automobile smoking ban. Mother's smoking was associated with child ETS exposure both indoors (odds ratio [OR] = 3.31 and in automobiles (OR = 2.97. Children of U.S.-born mothers had increased odds of exposure to ETS indoors (OR = 3.24; 95% confidence interval [CI]: 1.37–7.69, but not in automobiles. Having complete smoking bans was associated with substantially reduced odds of child ETS exposure both indoors (OR = 0.10; 95% CI: 0.04–0.27 and in automobiles (OR = 0.14; 95% CI: 0.05–0.36. Conclusion This study of Hispanic mothers in the southwestern U

Marketing of Insurance Products in Kenya

OpenAIRE

Adhiambo, Irene

2011-01-01

The purpose of the study is to find out and improve on strategy used in the Marketing of Insurance Products in Kenya; Case of African Merchants Assurance Company Ltd (AMACO). AMACO is one of the 44 insurance firms in Kenya. Among others it is a local incorporated company, which makes a difference in that it is not one of the leading insurance firms in Kenya, which is held by such firms as British-American insurance company. The methodology used is quantitative, qualitative methods, interview ...

Insurer risk control and nuclear liability

International Nuclear Information System (INIS)

DeMerchant, C.

2015-01-01

We specialize in high quality insurance risk management, underwriting and inspections for Canadian nuclear exposures. We provide true risk transfer, secure insurance capacity and collaborate with the world's nuclear experts to create innovative domestic solutions for our clients and members. The benefit of our experience works for all stake holders: insured clients, members, multi-level government agencies and all Canadians. NIAC has a 55-year history of partnering with insurers around the globe to create reliable risk management for the nuclear industry. We offer Canadian risk solutions, thought leadership and expertise that provides security and confidence to our customers and members. NIAC leads in the areas of nuclear insurance law, good governance and claims administration to create a true Centre of Excellence.

Insurer risk control and nuclear liability

Energy Technology Data Exchange (ETDEWEB)

DeMerchant, C. [Nuclear Insurance Association of Canada, Toronto, ON (Canada)

2015-07-01

We specialize in high quality insurance risk management, underwriting and inspections for Canadian nuclear exposures. We provide true risk transfer, secure insurance capacity and collaborate with the world's nuclear experts to create innovative domestic solutions for our clients and members. The benefit of our experience works for all stake holders: insured clients, members, multi-level government agencies and all Canadians. NIAC has a 55-year history of partnering with insurers around the globe to create reliable risk management for the nuclear industry. We offer Canadian risk solutions, thought leadership and expertise that provides security and confidence to our customers and members. NIAC leads in the areas of nuclear insurance law, good governance and claims administration to create a true Centre of Excellence.

Insurability of Terrorism Risks

International Nuclear Information System (INIS)

Harbruecker, D.

2006-01-01

Until 2001 losses caused by terrorist attacks have been covered under fire policies worldwide with two exceptions: Spain and UK where major and multiple losses caused by ETA and IRA had led to specific insurance solutions. The September 11, 2001 attacks on the World Trade Centre have changed the world in many aspects. This includes the insurance industry, which was compelled to exclude terrorism from coverage and to offer special solutions for extra premium. Nuclear power plants have been repeatedly called targets for terrorists as their destruction could cause a large catastrophe and more victims than the September 2001 attacks. How does the insurance industry respond? (author)

Evaluation of the harmonization process of the Czech insurance market with the single insurance market of the EU

Directory of Open Access Journals (Sweden)

Viktória Čejková

2004-01-01

Full Text Available For the Czech insurance industry, it has been 13 years since the passage of the Insurance Act in 1991, which did away with the monopoly and allowed competition in this business sector. In our evaluation, we can state that the positives outweigh the negatives. A relatively high pace of growth in total premiums written was achieved and the ratio of premiums written to GDP increased, up to 4,0% in 2002. In comparison with EU countries, the Czech insurance market is behind in 2 global indicators: the ratio of premiums written to GDP and the share of life insurance in total premiums written. The Czech insurance market must count on greater competition from foreign insurance companies, as the Czech Republic was May 1, 2004, accepted as a member of the European Union.

[Environmental pollution by products of wear and tear automobile-road complex].

Science.gov (United States)

Levanchuk, A V

2014-01-01

North-West State Medical University named after I.I. Mechnikov, Saint Petersburg, Russian Federation, 191015. There is supposed the method for the assessment of amounts of pollutants released into the environment during the operational wear of tyre treads, brake system of cars and the road pavement. There are presented results of chemical analysis of residues of combustion. The necessity of control of products of work wear of automobile-road complex has been substantiated.

Environmental and biological monitoring of benzene during self-service automobile refueling.

OpenAIRE

Egeghy, P P; Tornero-Velez, R; Rappaport, S M

2000-01-01

Although automobile refueling represents the major source of benzene exposure among the nonsmoking public, few data are available regarding such exposures and the associated uptake of benzene. We repeatedly measured benzene exposure and uptake (via benzene in exhaled breath) among 39 self-service customers using self-administered monitoring, a technique rarely used to obtain measurements from the general public (130 sets of measurements were obtained). Benzene exposures averaged 2.9 mg/m(3) (...

ESTIMATED RATE OF FATAL AUTOMOBILE ACCIDENTS ATTRIBUTABLE TO ACUTE SOLVENT EXPOSURE AT LOW INHALED CONCENTRATIONS

Science.gov (United States)

Acute solvent exposures may contribute to automobile accidents because they increase reaction time and decrease attention, in addition to impairing other behaviors. These effects resemble those of ethanol consumption, both with respect to behavioral effects and neurological mecha...

AUTOMATIC CONTROL SYSTEM OF WINTER AUTOMOBILE-ROAD MAINTENANCE

Directory of Open Access Journals (Sweden)

I. I. Leonovich

2008-01-01

Full Text Available In order to ensure a rational usage of financial and material resources directed on winter automobile-road maintenance in theRepublicofBelarusan automatic control system of winter maintenance is under its development and introduction.  The main purpose of the system is to obtain and use meteorological information on the state of a road network that allows to take necessary organizational and technological solutions ensuring safety and continuity of traffic during winter. This system also presupposes to ensure constant control over the state of roadway covering, expenditure of anti-glazed frost materials at all levels of management.The paper considers main aspects pertaining to introduction of the automatic control system of winter maintenance

75 FR 1548 - Insurer Reporting Requirements; List of Insurers Required To File Reports

Science.gov (United States)

2010-01-12

... vehicle insurers that are required to file reports on their motor vehicle theft loss experiences. An.... Each insurer's report includes information about thefts and recoveries of motor vehicles, the rating... state and; (3) rental and leasing companies with a fleet of 20 or more vehicles not covered by theft...

An Innovative Approach to Enhancing the Sustainable Development of Japanese Automobile Suppliers

Directory of Open Access Journals (Sweden)

Chia-Nan Wang

2016-04-01

Full Text Available The Japanese automobile industry has been hit sharply by the economic downturn of recent decades. The rise in costs and decline in sales have led to serious problems in the auto industry. In order to address these issues, most companies engage in downsizing and redesigning production operations. It is crucial to investigate the time wasted by replacing assembly boards occurring in manufacturing lines. Therefore, the aim of this study was to provide an integrated approach, Teoriya Resheniya Izobreatatelskih Zadatch (TRIZ, to providing efficient solutions for the automobile industry. The first step of this methodology is to detail the technical problems using the Function and Attribute Analysis (FAA model. Secondly, a contradiction matrix and the inventive principle were applied to find the solutions. In this study, an auto part supplier named Sumi-Hanel located in Hanoi, Vietnam, was taken as a case study; the empirical results showed that waste time had been reduced to 67%, nearly 8400 square meters was saved, and a 20% cost reduction was achieved by reusing old frames. The research proves that the combination of TRIZ and lean manufacturing successfully increases production performance and reduces waste due to technological advancements.

Research on simulation based material delivery system for an automobile company with multi logistics center

Science.gov (United States)

Luo, D.; Guan, Z.; Wang, C.; Yue, L.; Peng, L.

2017-06-01

Distribution of different parts to the assembly lines is significant for companies to improve production. Current research investigates the problem of distribution method optimization of a logistics system in a third party logistic company that provide professional services to an automobile manufacturing case company in China. Current research investigates the logistics leveling the material distribution and unloading platform of the automobile logistics enterprise and proposed logistics distribution strategy, material classification method, as well as logistics scheduling. Moreover, the simulation technology Simio is employed on assembly line logistics system which helps to find and validate an optimization distribution scheme through simulation experiments. Experimental results indicate that the proposed scheme can solve the logistic balance and levels the material problem and congestion of the unloading pattern in an efficient way as compared to the original method employed by the case company.

24 CFR 241.885 - Insurance benefits.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 241.885 Section... § 241.885 Insurance benefits. (a) Method of payment. Payment of claims shall be made in the following... acceptable assignment of the note and security instrument to the Commissioner, the insurance benefits shall...

24 CFR 203.443 - Insurance premium.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premium. 203.443 Section... premium. All of the provisions of §§ 203.260 through 203.269 1 concerning mortgage insurance premiums... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE...

24 CFR 232.805 - Insurance premiums.

Science.gov (United States)

2010-04-01

... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premiums. 232.805 Section... FACILITIES Contract Rights and Obligations Premiums § 232.805 Insurance premiums. (a) First premium. The... insurance premium equal to one percent of the original face amount of the note. (b) Second premium. The...

ETHICS IN THE INSURANCE INDUSTRY

OpenAIRE

Gavriletea Marius

2008-01-01

The present paper debates the main aspects related to ethics, into an industry that recorded exponential growth in Romania insurance field. A very important role for a good business is enhanced by the ethics. The specialists appreciate that ethics represent a key factor for business success. Obviously, the insurance field into a competition market must follow all the aspects related to ethics. The ethics should be an essential element of every insurance company management. If we talk about et...

Business intelligence for insurance companies

OpenAIRE

IGNATIUK A.

2016-01-01

The current state and future trends for the world and domestic insurance markets are analyzed. The description of business intelligence methodology, tools and their practical implication for insurance companies are provided.

Female identity discourse in automobile advertisements

Directory of Open Access Journals (Sweden)

Montserrat López Díaz

2012-01-01

Full Text Available The article analyzes the way in which the modern car-advertisement defines the identity of women as potential purchasers – to whom it is designed to get through. The research includes language and iconic instruments by which this type of advertisement aims to create a feminized market of products formerly recognized as traditionally masculine. The identification of the addressee of each publicity material might be subsumed under a set of stereotypes, thus enabling advertisers to get across their message using the code of addressee’s own values. The present paper concentrates on the linguistic specifity of the ads for high-tech goods (automobiles targeting the feminine public and eventually points out their high degree of markedness according to the sex of addressees. Discourse analysis and a closer look at linguistic means appearing in French, Spanish and Polish automotive commercials both reveals a stereotyped woman’s image and shows how they happen to perpetutate it.

Entrepreneurial Moral Hazard in Income Insurance

DEFF Research Database (Denmark)

Ejrnæs, Mette; Hochguertel, Stefan

We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI......-embedded, government-subsidized early retirement (ER) program, giving benefits that are unrelated to business risk. Indeed, we argue that the self-employeds' incentives to insure themselves stem from the ER plan rather than from the UI cover. We show how to use a policy reform to identify moral hazard in observed...

Development of the Health Insurance Literacy Measure (HILM): Conceptualizing and Measuring Consumer Ability to Choose and Use Private Health Insurance

Science.gov (United States)

Paez, Kathryn A.; Mallery, Coretta J.; Noel, HarmoniJoie; Pugliese, Christopher; McSorley, Veronica E.; Lucado, Jennifer L.; Ganachari, Deepa

2014-01-01

Understanding health insurance is central to affording and accessing health care in the United States. Efforts to support consumers in making wise purchasing decisions and using health insurance to their advantage would benefit from the development of a valid and reliable measure to assess health insurance literacy. This article reports on the development of the Health Insurance Literacy Measure (HILM), a self-assessment measure of consumers' ability to select and use private health insurance. The authors developed a conceptual model of health insurance literacy based on formative research and stakeholder guidance. Survey items were drafted using the conceptual model as a guide then tested in two rounds of cognitive interviews. After a field test with 828 respondents, exploratory factor analysis revealed two HILM scales, choosing health insurance and using health insurance, each of which is divided into a confidence subscale and likelihood of behavior subscale. Correlations between the HILM scales and an objective measure of health insurance knowledge and skills were positive and statistically significant which supports the validity of the measure. PMID:25315595

Patient satisfaction with primary health care - a comparison between the insured and non-insured under the National Health Insurance Policy in Ghana.

Science.gov (United States)

Fenny, Ama Pokuaa; Enemark, Ulrika; Asante, Felix A; Hansen, Kristian S

2014-04-01

Ghana has initiated various health sector reforms over the past decades aimed at strengthening institutions, improving the overall health system and increasing access to healthcare services by all groups of people. The National Health Insurance Scheme (NHIS) instituted in 2005, is an innovative system aimed at making health care more accessible to people who need it. Currently, there is a growing amount of concern about the capacity of the NHIS to make quality health care accessible to its clients. A number of studies have concentrated on the effect of health insurance status on demand for health services, but have been quiet on supply side issues. The main aim of this study is to examine the overall satisfaction with health care among the insured and uninsured under the NHIS. The second aim is to explore the relations between overall satisfaction and socio-demographic characteristics, health insurance and the various dimensions of quality of care. This study employs logistic regression using household survey data in three districts in Ghana covering the 3 ecological zones (coastal, forest and savannah). It identifies the service quality factors that are important to patients' satisfaction and examines their links to their health insurance status. The results indicate that a higher proportion of insured patients are satisfied with the overall quality of care compared to the uninsured. The key predictors of overall satisfaction are waiting time, friendliness of staff and satisfaction of the consultation process. These results highlight the importance of interpersonal care in health care facilities. Feedback from patients' perception of health services and satisfaction surveys improve the quality of care provided and therefore effort must be made to include these findings in future health policies.