WorldWideScience

Sample records for automobile insurance

  1. Price Variability in Automobile Insurance

    OpenAIRE

    Joseph A. Fields; Emilio C. Venezian; David Jou

    1992-01-01

    In this paper the causes of variation in automobile insurance prices are examined within a small and homogenous state. The central hypothesis of interest is the relation between the price of automobile insurance and the quality of the product. The findings here indicate that the market is one which contains substantial frictions, making the search for automobile insurance products a worthwhile activity for consumers.

  2. Telematics Strategy for Automobile Insurers : Whitepaper

    OpenAIRE

    Paefgen, Johannes; Fleisch, Elgar; Staake, Thorsten; Ackermann, Lukas; Best, Jonas; Egli, Lukas

    2013-01-01

    This whitepaper investigates the business implications telematics services and Pay-as-you-drive (PAYD) insurance in particular, from the perspective of automobile insurance providers. Specifically, it discusses - the PROFITABILITY and competitive dynamics of PAYD insurance, - a simplified BUSINESS CASE for a new market entrant with a PAYD product, - the present STRUCTURE OF INTERNATIONAL MARKETS for insurance telematics services, - DRIVERS AND BARRIERS for the focus markets Swit...

  3. Estimation of Claim Numbers in Automobile Insurance

    OpenAIRE

    Arató, Miklós; Martinek, László

    2012-01-01

    The use of bonus-malus systems in compulsory liability automobile insurance is a worldwide applied method for premium pricing. If certain assumptions hold, like the conditional Poisson distribution of the policyholders claim number, then an interesting task is to evaluate the so called claims frequency of the individuals. Here we introduce 3 techniques, two is based on the bonus-malus class, and the third based on claims history. The article is devoted to choose the method, which fits to the ...

  4. The Impact of Price Controls on Mandatory Automobile Insurance Markets

    OpenAIRE

    Strauss, Jason

    2006-01-01

    This is a theoretical paper that models a mandatory automobile insurance market using a partial equilibrium concept where automobile insurance is one good and a composite good represents all others. Price controls, heterogeneous service, administrative, and adjusting costs, as well as capital reserves and capital costs are all included in this simple model.

  5. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Science.gov (United States)

    2010-07-01

    ... regarding tort liability. In addition, the provisions of 28 CFR part 43 (Department of Justice regulations... 32 National Defense 2 2010-07-01 2010-07-01 false Special rules for automobile liability insurance and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of...

  6. Profit and Concentration in Commercial Automobile Insurance Losses

    OpenAIRE

    Vickie L. Bajtelsmit; Raja Bouzouita

    1998-01-01

    Pricing of commercial insurance has generally been thought to be more competitive than that of personal insurance. For this reason, there has been little academic interest in the impact of market structure on insurer profitability for these lines, despite findings of such a relationship in other lines. This study examines whether such a relationship exists for commercial automobile insurance and finds that states with higher levels of concentration have higher average profit margins. This is ...

  7. 32 CFR 552.73 - Minimum requirements for automobile insurance policies.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 3 2010-07-01 2010-07-01 true Minimum requirements for automobile insurance policies. 552.73 Section 552.73 National Defense Department of Defense (Continued) DEPARTMENT OF THE ARMY... Military Reservations § 552.73 Minimum requirements for automobile insurance policies. Policies sold...

  8. Stacking of Uninsured Motorist Benefits Within a Single Automobile Insurance Policy

    OpenAIRE

    Julie-Ann Gasper; Barry B. Schweig; James P. Scott

    1986-01-01

    This paper presents a model to determine the change in probability of payoff of an uninsured motorist's benefit when an additional vehicle is added to an existing automobile insurance policy. The hypothesis to be tested is that there is no increase in this probability and that, therefore, any increase in premium for uninsured motorist coverage should be construed as paying for increased coverage. The courts have called this "stacking" or coverage, implying that the injured insured could colle...

  9. An expert system for detecting automobile insurance fraud using social network analysis

    CERN Document Server

    Šubelj, Lovro; Bajec, Marko; 10.1016/j.eswa.2010.07.143

    2011-01-01

    The article proposes an expert system for detection, and subsequent investigation, of groups of collaborating automobile insurance fraudsters. The system is described and examined in great detail, several technical difficulties in detecting fraud are also considered, for it to be applicable in practice. Opposed to many other approaches, the system uses networks for representation of data. Networks are the most natural representation of such a relational domain, allowing formulation and analysis of complex relations between entities. Fraudulent entities are found by employing a novel assessment algorithm, \\textit{Iterative Assessment Algorithm} (\\textit{IAA}), also presented in the article. Besides intrinsic attributes of entities, the algorithm explores also the relations between entities. The prototype was evaluated and rigorously analyzed on real world data. Results show that automobile insurance fraud can be efficiently detected with the proposed system and that appropriate data representation is vital.

  10. Services as Experience Goods: An Empirical Examination of Consumer Learning in Automobile Insurance

    OpenAIRE

    Mark Israel

    2005-01-01

    Theoretical work on experience goods sets out three empirical questions. How accurate is information at initial purchase? How rapidly do consumers learn from product experiences? And how much impact does learning have on purchase decisions? I answer these questions for the case of automobile insurance, using a panel of 18,595 consumers from one firm. My principal findings are: patterns of consumer departures following claims point to learning; consumers enter the firm overly optimistic about ...

  11. About Insurance.

    Science.gov (United States)

    Pieslak, Raymond F.

    The student manual for high school level special needs students was prepared to acquaint deaf students with the various types of insurance protection that will be available to them in their future life. Seven units covering the topics of what insurance is, automobile insurance, life insurance, health insurance, social security, homeowner's…

  12. Evaluation of the Policy Holders' Premium Affordability in Automobile Insurance Markets%车险市场中投保人保费负担能力评估

    Institute of Scientific and Technical Information of China (English)

    胡宏兵; 龙骧

    2012-01-01

    The marketization of automobile premium rating is in progress under the promotion of CIRC (China Insurance Regulatory Commission). However,the present defection that automobile-deflected rating system can hardly meet people's demand, especially the problem of policy holders' premium affordability are worthy of consideration. Based on defining premium affordability, this paper evaluate the present affordability of automobile insurance policy holders from different angels, and then proposes several policy countermeasures on the future direction of the reform of the rating system.%目前,我国车险市场的费率市场化工作正在保监会的推动下逐步开展。以“从车主义”为主的我国现行车险费率制度在满足投保人需求方面存在的缺陷,特别是投保人对保费的负担能力问题是费率市场化过程中需要考虑的重要内容。本文基于对机动车辆保险保费负担能力的设定,从不同的角度对投保人车险保费负担能力进行了评估,并在分析投保人负担能力的基础上,对车险费率改革的未来方向提出政策建议。

  13. Nonpolluting automobiles

    Energy Technology Data Exchange (ETDEWEB)

    Hoolboom, G.J.; Szabados, B. [McMaster Univ., Hamilton, Ontario (Canada). Dept. of Electrical and Computer Engineering

    1994-11-01

    The advantages/disadvantages of energy storage devices, which can provide nonpolluting automobile systems are discussed. Four types of storage devices are identified: electrochemical (batteries); hydrogen; electromechanical (flywheels); and molten salt heat storage. A high-speed flywheel with a small permanent magnet motor/generator has more advantages than any of the other systems and might become a real competitor to the internal combustion engine. A flywheel/motor/generator system for automobiles now becomes practical, because of the technological advances in materials, bearings and solid state control circuits. The motor of choice is the squirrel cage induction motor, specially designed for automobile applications. The preferred controller for the induction motor is a forced commutated cycloconverter, which transforms a variable voltage/variable frequency source into a controlled variable-voltage/variable-frequency supply. A modulation strategy of the cycloconverter elements is selected to maintain a unity input displacement factor (power factor) under all conditions of loads voltages and frequencies. The system is similar to that of the existing automobile, if only one motor is used: master controller-controller-motor-gears (fixed)-differential-wheels. In the case of two motors, the mechanical differential is replaced by an electric one: master controller-controller-motor-gears (fixed)-wheel. A four-wheel drive vehicle is obtained when four motors with their own controllers are used. 24 refs.

  14. The effectiveness of the direct response advertising. The case of an automobile insurance company; Eficacia de la publicidad de respuesta directa. El caso de una compania de seguros para la automocion

    Energy Technology Data Exchange (ETDEWEB)

    Garcia Guardia, M. L.; Garcia Garcia, F.; Nunez Gomez, P.

    2012-07-01

    Although there are many advertising effectiveness research and the existence of several variables that affect its measurement, we cannot find enough research about specific cases over direct marketing and its relationship with efficacy. Actually, there are a large number of advertising direct response in commercial media, related with the development and implementation of interactive tools that allows us to measure the results between the request of information by consumers and the sale of product. This research aims to measure the effectiveness of advertising in relation to the direct response in a particular case: the automobile insurance industry. The campaign that has been analyzed consisted in a set of direct response commercials for television programmed in general channels broadcasts in Spanish territory. Key words: Effectiveness, direct response, return of investment. (Author)

  15. 两类零膨胀负二项回归模型在汽车保险定价中的应用%Application of two types of negative binomial regression models in automobile insurance ratemaking

    Institute of Scientific and Technical Information of China (English)

    徐昕; 郭念国

    2011-01-01

    The paper discusses two types of distribution forms zero-inflated negative binomial regression models, and applies the two models to a set of actual automobile insurance loss data. The results show that the two types of zero-inflated negative binomial regression models can improve the goodness-of-fit effectively than the common claim frequency models when the loss data is zero-inflated.%讨论了两种分布形式的零膨胀负二项回归模型,并应用一组实际汽车保险损失数据对两类模型进行了实证比较.结果表明,对于具有零膨胀特征的损失数据,零膨胀负二项回归模型的拟合结果优于普通索赔频率回归模型.

  16. Voice control in automobiles; Sprachbedienung im Automobil

    Energy Technology Data Exchange (ETDEWEB)

    Aiello, D.; Sitter, W. [Siemens VDO Automotive AG (Germany). Div. Infotainment Solutions; Kaemmerer, B. [Siemens Corporate Technology (Germany). Fachzentrum Professional Speech Processing

    2006-06-15

    Voice control simplifies handling the growing number of assistance, communication and convenience systems in automobiles. Siemens VDO Automotive have used the company's comprehensive know-how in the field of voice and communications machines from other sectors - particularly the telecommunications sector - to develop a voice control system for automobiles. It is distinguished by its intelligent architecture with high performance and extremely user-friendly features. (orig.)

  17. The automobile share

    International Nuclear Information System (INIS)

    Out of a conversion of 120 billions metric tons of fossil carbon per year 1 billion are traffic related. But this amount is growing steadily. The global automobile density is about 10 automobiles per capita. It grows with 1.7% per year, as fast as the population. The number of automobiles doubles in 25 years. In all groups of developed countries the automobile density increased from 5 to 50 automobiles per capita in less than 50 years so far. Where is the fuel for the 1 billion automobiles of the year 2030 or 2050? Can one reduce this number or what chances does one have to reduce the adverse consequences? Whatever the number of motor vehicles will be, man will have the chance to reduce fuel consumption and therefore CO2-emission together with other emissions considerably

  18. Role of nuclear insurance in US

    International Nuclear Information System (INIS)

    Private insurance companies developed means to provide first-tier nuclear coverage to operators of power plants and other nuclear facilities; US Government initially provided second tier. US insurance companies chose 'pooling' technique as means to provide large amounts of insurance capacity by spreading the risk over a number of insurance companies. Classic example of nuclear risk that presents low frequency, high severity loss potential. Insurers usually spread their risk over a large, fairly stable premium base, as with automobile insurance. The American Nuclear Insurers (ANI) and its roles are introduced in this article

  19. Stirling engines for automobiles

    Science.gov (United States)

    Beremand, D. G.

    1979-01-01

    The results of recent and ongoing automobile Stirling engine development efforts are reviewed and technology status and requirements are identified. Key technology needs include those for low cost, high temperature (1300 - 1500 F) metal alloys for heater heads, and reliable long-life, low-leakage shaft seals. Various fuel economy projections for Stirling powered automobiles are reviewed and assessed.

  20. Solar Energy Automobile

    OpenAIRE

    HE Jianhua

    2014-01-01

    The thesis was to design a solar energy automobile, which is using solar power as energy re-source. At the moment, Finland was chosen as an example place. It was necessary to calculate the related data, which are the solar angle and the day length when designing the solar energy automobile. Also the seats and dashboard to improve the performance. Actually, in Finland it is possible to use solar energy automobile in summer. But in winter, the day length is so short and the solar constant i...

  1. The automobile in Japan

    OpenAIRE

    Lone, Stewart; Madeley, Christopher

    2005-01-01

    Lone: The 1920s saw the emergence in Kansai of modern industrial urban living with the development of the underground, air services; wireless telephones, super express trains etc. Automobiles dominated major streets from the early 1920s in the new Age of Speed. Using Kyoto city as an example, the article covers automobile advertising, procedures for taxis, buses and cars and traffic safety and regulation. Madeley: Nissan Motor Company had a longer connection with the British industry than any...

  2. Technology Demonstration of General Black box Standard for Automobiles (GBSA

    Directory of Open Access Journals (Sweden)

    Kishor R

    2014-05-01

    Full Text Available GBSA is an upcoming proposal towards Automobile industry and to the federal governing bodies around the world. Here we are intent to create a disciplinary system to save city sons from accident death and to abolish insurance piracy. The proposal is actually developed from the loss of mankind in society but pulled by technology and humanity facts..

  3. Code Recognition Device for Automobile, a Panacea for Automobiles Theft

    OpenAIRE

    Ozomata David AHMED

    2011-01-01

    Code Recognition Device is a security device for automobiles. It responds only to the right sequence of codes that are keyed from the key pad. This closes the electrical circuitry of the automobile and enables it to start. If a wrong key is touched, it resets the device which disengages the electrical circuit of the automobile from the power supply. The device works properly on closing all the doors of the automobile, otherwise it cannot start. Also, once the automobile is in operation, openi...

  4. Northeast:Automobile Feast

    Institute of Scientific and Technical Information of China (English)

    Janet

    2008-01-01

    @@ The northeast has a lot of firsts in the history of China's industrial development,including the first automobile factory-FAW.Due to the system problem and many other complicated factors,quite a number of the northeastern industry enterprises are out of date during the China's economic transition period.

  5. On the automobile lightweight

    Institute of Scientific and Technical Information of China (English)

    Ma Mingtu; Yi Hongliang; Lu Hongzhou; Wan Xinming

    2012-01-01

    The significance, description parameters, evaluation method, implement way and design for lightweight of au- tomobile are comprehensively reviewed. The relationship among the performances of auto parts & components, the prop- erties of materials and application of advanced technologies is also elaborated. According to recently related progress of lightweight and authors' research and developing work, lightweight of automobile is comprehensively and systematically overviewed.

  6. Insurance frauds

    OpenAIRE

    Lešková, Michaela

    2014-01-01

    This bachelor's thesis deals with the insurance fraud issue. The theoretical part of this paper work describes the characteristics of the insurance fraud, its classification which is extend of committing insurance fraud in insurance products of life insurance and non-life insurance. I illustrate some groups of insurance products by using the graphs, which will continue to the practical part of the work. In this part I focus mainly on how clients of Insurance Company feel about insurance fraud...

  7. Life insurance

    OpenAIRE

    Topič, Jakub

    2009-01-01

    The topic of this bachelor's project is life insurance. The theoretical part consists of literary research focussed not only on life insurance. The research begins with general introduction to the insurance issue, the basic division of insurance, its rules of law and as well some historical facts. The rest of the theoretical part is focussed on life insurance, where we can find basic division of life insurance, description of particular insurance types and various supplementary insurances. In...

  8. 49 CFR 523.4 - Passenger automobile.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 6 2010-10-01 2010-10-01 false Passenger automobile. 523.4 Section 523.4... ADMINISTRATION, DEPARTMENT OF TRANSPORTATION VEHICLE CLASSIFICATION § 523.4 Passenger automobile. A passenger automobile is any automobile (other than an automobile capable of off-highway operation)...

  9. 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.

  10. Code Recognition Device for Automobile, a Panacea for Automobiles Theft

    Directory of Open Access Journals (Sweden)

    Ozomata David AHMED

    2011-06-01

    Full Text Available Code Recognition Device is a security device for automobiles. It responds only to the right sequence of codes that are keyed from the key pad. This closes the electrical circuitry of the automobile and enables it to start. If a wrong key is touched, it resets the device which disengages the electrical circuit of the automobile from the power supply. The device works properly on closing all the doors of the automobile, otherwise it cannot start. Also, once the automobile is in operation, opening of any door will disengage the device and the engine will stop. To restart the engine, the doors must be closed and the codes rendered sequentially-in this case the codes are 1974.

  11. 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...

  12. 48 CFR 3052.228-70 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... of Provisions and Clauses 3052.228-70 Insurance. As prescribed in (HSAR) 48 CFR 3028.310-70 and 3028... liability. The contractor shall, as a minimum, meet the requirements specified at (FAR) 48 CFR 28.307-2(a...) 48 CFR 28.307-2(b). (c) Automobile liability. The contractor shall, as a minimum, meet...

  13. 19 CFR 148.39 - Rented automobiles.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 2 2010-04-01 2010-04-01 false Rented automobiles. 148.39 Section 148.39 Customs... automobiles. (a) Importation for temporary period. An automobile rented by a resident of the United States... (HTSUS) (19 U.S.C. 1202), without payment of duty. The automobile shall be used for the transportation...

  14. 49 CFR 523.3 - Automobile.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 6 2010-10-01 2010-10-01 false Automobile. 523.3 Section 523.3 Transportation..., DEPARTMENT OF TRANSPORTATION VEHICLE CLASSIFICATION § 523.3 Automobile. (a) An automobile is any 4-wheeled... pounds and less than 10,000 pounds gross vehicle weight are determined to be automobiles: (1)...

  15. Chery Automobile: Chinese Firms catching up

    OpenAIRE

    Zhang, Ying; Yang, Sheng Yun

    2015-01-01

    textabstractChery Automobile Co., Ltd. is one of the few private automobile companies in China. Compared to state automobile companies, it lacks adequate resources and state support; compared to joint-venture brands, it cannot leverage popular and profitable international models. Despite these obstacles, Chery has developed dramatically over the last decade, becoming the top automobile exporter among all automobile companies in China. Strategic alliances served as the foundation of its amazin...

  16. The Linguistic Features of English Automobile Advertisements

    Institute of Scientific and Technical Information of China (English)

    李琼璐

    2014-01-01

    Household cars are largely demanded today, stimulating the economic development throughout the automobile industry. To enlarge market, all automobile producers pay great efforts to advertisements which result in a large quantity of automobile advertisements. Due to the rare analysis on the linguistic features of automobile advertisements, this essay makes a specific study on this. Analysis will be done through the perspectives of the lexical level, the syntactic level and the rhetoric level. Hence, valid references could be offered to future automobile advertisers.

  17. Automobile Driving and Aggressive Behavior

    OpenAIRE

    Novaco, Raymond W.

    1991-01-01

    Automobile driving and aggressive behavior have had an extensive association. Themes of dominance and territoriality have long been part of automobile driving, which has also involved flagrant assaultive actions. Recent episodes of roadway violence in metropolitan areas have raised community concern about aggressive behavior in driving, although common beliefs about why such violence occurs can be seen as pseudoexplanations. Various themes in the psychology of aggression are presented as they...

  18. 7 CFR 1788.11 - Minimum insurance requirements for contractors, engineers, and architects.

    Science.gov (United States)

    2010-01-01

    ... catastrophe form. c. Automobile liability insurance on all motor vehicles used in connection with the contract...)(b) and (a)(1)(c) of this section. In any such event, the additional premium or premiums...

  19. 48 CFR 752.228-7 - Insurance-liability to third persons.

    Science.gov (United States)

    2010-10-01

    ... of them purchase an automobile within the Cooperating Country, the Contractor agrees to make certain..., $5,000. The premium costs for such insurance shall not be a reimbursable cost under this...

  20. Measuring the Degree of Market Concentration in Thailand Insurance Industry

    Directory of Open Access Journals (Sweden)

    Sivalap Sukpaiboonwat

    2014-01-01

    Full Text Available This paper investigates market structure of life insurance and non-life insurance industry in Thailand. This paper uses the Concentration Ratio and the Herfindahl-Hirschman Index to measure the degree of market concentration. The paper also analyzes various data from all type of insurance premium, balance sheet and income statement to measure the concentration and competition trend. An analysis of life insurance premium, group market is unconcentrated where as ordinary and industry markets are concentrated. As for the life insurance balance sheet and income statement are concentrated market. An analysis of non-life insurance premium, fire, marine and transportation and automobile markets are unconcentrated. As for the non-life insurance balance sheet and income statement are unconcentrated market. In terms of the same sub-categorized product, personal accident and health insurance have difference concentrate degree. Personal accident in life insurance is near monopoly and highly concentrated market while personal accident in non-life insurance is loose oligopoly and moderate concentrated market. Health insurance in life and non-life insurance are tight oligopoly and concentrated market. The results conclude that the life insurance industry is more concentrated than the non-life insurance industry. In both segments of the insurance market, as well as in the overall insurance sector, there is a downward trend in market concentration, which indicates the success of the competition promoting process which allows a greater and better choice for customers.

  1. Health Insurance

    Science.gov (United States)

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

  2. Premium Forecasting of AN Insurance Company:

    Science.gov (United States)

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

    We present an analytical study of an insurance company. We model the company's performance on a statistical basis and evaluate the predicted annual income of the company in terms of insurance parameters namely the premium, the total number of insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence of a crossover premium pc below which the company is operating at a loss. Above pc, we also give a detailed statistical analysis of the company's financial status and obtain the predicted profit along with the corresponding risk as well as ruin probability in terms of premium. Furthermore we obtain the optimal premium popt which maximizes the company's profit.

  3. Sickness insurance

    OpenAIRE

    Mráčková, Věra

    2011-01-01

    "Sickness insurance" was selected as a theme of this bachelor work. The first part of this work focuses on the general conditions of the health insurance in the Czech Republic, including the current legislation and the identification of the institutions such as Czech Social Security Administration. In addition it focuses on the range of insured persons and of the detailed description of health insurance benefits, sick-benefits, nursing care, maternity benefits and compensatory allowance durin...

  4. Insurance crisis

    International Nuclear Information System (INIS)

    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

  5. INSURANCE GUARANTEE

    OpenAIRE

    Stanescu Catalin-Florinel; Simion Mircea-Laurentiu

    2013-01-01

    Providing security is designed to reduce uncertainty in the credit granting, offers a service or goods entrusted to a third persoane.Acest type of financial risk insurance is different from celelelte by the person who pays the insurance premium is not entitled direct insurance.

  6. The Hybrid Automobile and the Atkinson Cycle

    Science.gov (United States)

    Feldman, Bernard J.

    2008-01-01

    The hybrid automobile is a strikingly new automobile technology with a number of new technological features that dramatically improve energy efficiency. This paper will briefly describe how hybrid automobiles work; what are these new technological features; why the Toyota Prius hybrid internal combustion engine operates on the Atkinson cycle…

  7. 49 CFR 176.90 - Private automobiles.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 2 2010-10-01 2010-10-01 false Private automobiles. 176.90 Section 176.90 Transportation Other Regulations Relating to Transportation PIPELINE AND HAZARDOUS MATERIALS SAFETY... § 176.90 Private automobiles. A private automobile which is carrying any Class 1 (explosive)...

  8. Determinants of automobile loan default and prepayment

    OpenAIRE

    Sumit Agarwal; Ambrose, Brent W.; Souphala Chomsisengphet

    2008-01-01

    The authors examine whether a borrower’s choice of automobile reveals information about future loan performance. They find that loans on most luxury automobiles have a higher probability of prepayment, while loans on most economy automobiles have a lower probability of default, even when holding traditional risk factors, such as income and credit score, constant.

  9. Quantile regression modeling for Malaysian automobile insurance premium data

    Science.gov (United States)

    Fuzi, Mohd Fadzli Mohd; Ismail, Noriszura; Jemain, Abd Aziz

    2015-09-01

    Quantile regression is a robust regression to outliers compared to mean regression models. Traditional mean regression models like Generalized Linear Model (GLM) are not able to capture the entire distribution of premium data. In this paper we demonstrate how a quantile regression approach can be used to model net premium data to study the effects of change in the estimates of regression parameters (rating classes) on the magnitude of response variable (pure premium). We then compare the results of quantile regression model with Gamma regression model. The results from quantile regression show that some rating classes increase as quantile increases and some decrease with decreasing quantile. Further, we found that the confidence interval of median regression (τ = O.5) is always smaller than Gamma regression in all risk factors.

  10. ORGANIC EMISSIONS FROM AUTOMOBILE INTERIORS

    Science.gov (United States)

    The report gives results of an evaluation of six subcompact automobiles for the emission of vinyl chloride monomer (VCM) and other organics into the passenger compartment. Evaluated were a Ford Pinto, AMC Gremlin, GMC Vega, GMC Chevette, NMC Datsun 710, and VW Rabbit. VCM was qua...

  11. Nuclear insurance

    International Nuclear Information System (INIS)

    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)

  12. Captive insurance

    OpenAIRE

    Ambrosová, Simona

    2011-01-01

    This thesis has as its main goal the objective analysis of the potential for captive insurance risk management in specific situations and market analysis of captive insurance. It uses a description of the history and development of this sector, addressing the advantages and disadvantages, which helps to reflect on the usefulness of this tool. Furthermore, the analysis of that market, location options of captive insurance companies and types of captives are described here as well. A large part...

  13. Asymmetric Information, Self-selection, and Pricing of Insurance Contracts

    DEFF Research Database (Denmark)

    Donnelly, Catherine; Englund, Martin Kristian; Nielsen, Jens Perch;

    2014-01-01

    This article presents an optional bonus-malus contract based on a priori risk classification of the underlying insurance contract. By inducing self-selection, the purchase of the bonus-malus contract can be used as a screening device. This gives an even better pricing performance than both an exp...... experience rating scheme and a classical no-claims bonus system. An application to the Danish automobile insurance market is considered....

  14. Automobile accessories: Assessment and improvement

    Energy Technology Data Exchange (ETDEWEB)

    Jackson, M. [Univ. of Nevada, Las Vegas, NV (United States)

    1995-11-01

    With mandates and regulatory policies to meet both the California Air Resources Board (CARB) and the Partnership for a New Generation of Vehicles (PNGV), designing vehicles of the future will become a difficult task. As we look into the use of electric and hybrid vehicles, reduction of the required power demand by influential automobile components is necessary in order to obtain performance and range goals. Among those automobile components are accessories. Accessories have a profound impact on the range and mileage of future vehicles with limited amounts of energy or without power generating capabilities such as conventional vehicles. Careful assessment of major power consuming accessories helps us focus on those that need improvement and contributes to attainment of mileage and range goals for electric and hybrid vehicles.

  15. The automobile and environmental problems

    Energy Technology Data Exchange (ETDEWEB)

    Pocci, G.

    1979-10-01

    Actions taken by Expert's Group WP 29 of the United Nations Economic Commission for Europe concerning the protection of the environment from automobile pollution are reported. Regulation 15, adopted by the group, establishes tests and sets limits for the amounts of carbon monoxide, hydrocarbons and nitrogen oxides emitted from internal combustion engine automobile exhaust and crankcases under urban and idling conditions. Regulation 29 specifies limits to the same pollutants emitted from diesel engines, to be determined by measurements of the opacity of exhaust fumes during constant engine operation and acceleration. Regulations limiting pollutant emissions from motorcycles and mopeds have also been established, and, while adherence to these regulations has already reduced vehicle emissions, research is continuing on stricter controls, fuel conservation, test standardization for the United States and Japan, and analysis sampling methods.

  16. PROSPECTS OF AUTOMOBILE TIRE RECYCLING

    OpenAIRE

    A. D. Gusev; V. S. Demyanova

    2012-01-01

    Statement of the problem. The legislative system of legal handling of waste in the Russian Fed-eration is focused on governing the handling waste as an environment pollutant. There is almost no legal regulations for handling waste as secondary material resources. Therefore, there is a pressing need to describe directions to be taken in the recycling of automobile tires.Results and conclusions. The system of legal regulations for handling wastes has been analyzed. A growing need to utilize aut...

  17. Prelaunch Forecasting of New Automobiles

    OpenAIRE

    Urban, Glen L.; 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...

  18. Automobile technology of the future

    International Nuclear Information System (INIS)

    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

  19. The dynamics of automobile expenditures

    OpenAIRE

    Copeland, Adam

    2009-01-01

    This paper presents a dynamic model for light motor vehicles. Consumers solve an optimal stopping problem in deciding if they want a new automobile and when in the model year to purchase it. This dynamic approach allows for determining how the mix of consumers evolves over the model year and for measuring consumers' substitution patterns across products and time. I find that temporal substitution is significant, driving consumers' entry into and exit from the market. Through counterfactuals, ...

  20. Electric automobil - wishes and reality

    OpenAIRE

    Duchoň, Bedřich; Opava, Jaroslav

    2010-01-01

    The demands on cars energy resources are given by the following items: power, speed, acceleration, operation range. All these factors are under balance: future wishes and contemporary reality. The proposal is dedicated to the analysis of demands related to the electric automobiles. As a hopefulness solution of these transport means can be seen for city transport (forwarding, shopping, postal services etc). The technical and economic approaches are discussed, too.

  1. Hybrid Voltage Regulator for Automobiles

    OpenAIRE

    Sei-Ichi Denda; Tadashi Takahashi; Akihiro Sawamura

    1981-01-01

    In the course of the development of hybrid voltage regulators for automobile use, increasing the reverse blocking voltage with decreasing of saturation voltage for output power darlington transistors, the capability of monolithic IC chip against surge pulses generated in cars, and an improvement of the pattern design of thick film in order to withstand temperature cycling, have been important subjects. Power darlingtons have more than 150 V of reverse voltage as well as large secondary breakd...

  2. Quality Change in Brazilian Automobiles

    OpenAIRE

    Renato Fonseca

    2015-01-01

    In this paper I investigate the quality evolution of Brazilian autos. To measure the quality evolution of Brazilian autos, I have assembled a data set for Brazilian passenger cars for the period 1960/94, to which I have applied the hedonic pricing methodology. To the best of my knowledge, this is the first time an index of quality change has been constructed for the Brazilian automobile industry. The results presented here have two major implications. They allow a better understanding of prod...

  3. Environmental implications of the automobile

    International Nuclear Information System (INIS)

    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

  4. Nuclear insurance

    International Nuclear Information System (INIS)

    The DKVG (German nuclear power plant insurance association) has 104 member insurance companies, all registered in the Federal Republic of Germany. In 1991, the inland portfolio of the DKVG covered 21 contracts in the property insurance sector, and 22 contracts in the nuclear liability sector. There will be no new nuclear power plants to be insured in the Federal Republic of Germany within the foreseeable future. The home business in 1991 remained claim-free, as in the year before. The overall loss ratio went down to 2.9 per cent, after it had been 15.4 per cent in 1989. This very low loss ratio of 2.9 per cent should not deviate from the fact that nuclear insurers always have to reckon with a substantial damage. Such an event at present would cost them a maximum gross sum of DM 1.7 million, which would mean DM 730 million on account of DKVG. (orig./HSCH)

  5. 49 CFR 523.5 - Non-passenger automobile.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 6 2010-10-01 2010-10-01 false Non-passenger automobile. 523.5 Section 523.5... ADMINISTRATION, DEPARTMENT OF TRANSPORTATION VEHICLE CLASSIFICATION § 523.5 Non-passenger automobile. A non-passenger automobile means an automobile that is not a passenger automobile or a work truck and...

  6. The Automobile Buyer Behaviour: Emotional or Rational?

    OpenAIRE

    Economist Phd. Candidate CRUCERU Gheorghe; Assistant Professor Phd. Candidate MICUDA Dan

    2010-01-01

    The automobile buyer’s behaviour is a specific one and the knowledge and understanding of the motivations is important for the automobile manufacturers and distributors. Automobile buyers are the beneficiaries of complex high technology products, which have a long-term use. The paper is focused on understanding the mechanisms that underlie the buying process, the buyers’ expectations and needs, as essential elements for producers and distributors. When these mechanisms are controlled, the com...

  7. Automobile Fuel Economy: What is it Worth?

    OpenAIRE

    Nair, Santosh; Espey, Molly

    2004-01-01

    The marginal value of increased automobile fuel economy is estimated using a hedonic model of 2001 model year automobiles sold in the United States. This value is then compared to the average expected lifetime fuel savings attributable to increased fuel economy. Results indicate that automobile buyers fully internalize fuel cost savings attributable to improved fuel economy at low discount rates, and may partially internalize other perceived benefits of improved fuel economy such as reduction...

  8. Pulmonary function in automobile repair workers

    OpenAIRE

    Chattopadhyay O

    2007-01-01

    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 (...

  9. 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.......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....

  10. The Emergence of the Chinese Automobile Sector

    OpenAIRE

    Mark Baker; Markus Hyvonen

    2011-01-01

    The Chinese automobile sector has experienced rapid growth over the past decade, with China recently becoming the world’s largest producer of automobiles. Given the steel-intensive nature of automobile production, the expansion of China’s automobile sector has seen it become an important end-user of steel. With the number of cars in China still very low relative to its large population, car sales are likely to remain at a high level for the foreseeable future; accordingly, Chinese car mak...

  11. Nuclear insurance

    International Nuclear Information System (INIS)

    The annual report presents among other things the figures of the nuclear insurance line. The Association of Nuclear Insurers in the F.R.G., the DKVG, counts more than 100 member companies in the year 1989, who offer reinsurance protection for West German nuclear power stations up to DM 1.5 billions in the property insurance sector, and up to DM 200 millions in the nuclear liability sector. The inland portfolio of the DKVG' covers 22 nuclear power stations. The expenses to satisfy claims in 1988 amounted to DM 9 millions. (HP)

  12. Pension insurance

    OpenAIRE

    Procházková, Olga

    2010-01-01

    My diplom thesis focuses on the pension system in the Czech Republic because the additional pension insurance is a part of it. It briefly characterizes the current state of the pension system, especially of 1st pillar, with focus on its problems caused by the worsening demographic development of the population. Based on that, the current pension system in the Czech Republic is becoming unsustainable. I am also mentioning the basis principals of the pension insurance structure in developed Eur...

  13. Automobile

    OpenAIRE

    2008-01-01

    Le groupe Volkswagen, 1er constructeur européen, a récemment annoncé vouloir défier le leader mondial Toyota. Dans ce contexte, les conclusions du suivi scientifique des profondes réformes de l’organisation du travail chez VW tombent à point nommé. Le programme Auto 5000 adopté par les partenaires sociaux en juin 2006 pourrait être la réplique allemande à ce « toyotisme » sur lequel Toyota a construit sa nouvelle compétitivité. (ib)

  14. PROSPECTS OF AUTOMOBILE TIRE RECYCLING

    Directory of Open Access Journals (Sweden)

    A. D. Gusev

    2012-11-01

    Full Text Available Statement of the problem. The legislative system of legal handling of waste in the Russian Fed-eration is focused on governing the handling waste as an environment pollutant. There is almost no legal regulations for handling waste as secondary material resources. Therefore, there is a pressing need to describe directions to be taken in the recycling of automobile tires.Results and conclusions. The system of legal regulations for handling wastes has been analyzed. A growing need to utilize automobile tires has been indicated. Physical and mechanical indicators have been established and the residual durability of metal cord as a product of tire processing has been evaluated. The comparative analysis with an industrial fiber has been carried out. The most technological and economic directions to be taken in the recycling of rubber scraps in order to do-mestically manufacture tile and of metal cord to manufacture fiber-concrete of various types are suggested for a “floating floor” structure.

  15. Your Automobile Dollar, [Revised.] Money Management

    Science.gov (United States)

    Baran, Nancy H., Ed.; Law, Jean L., Ed.

    This booklet on automobile purchasing and maintenance, 1 in a series of 12, covers all the basic aspects of personal- and family-money management. Suitable for use by high school and college students as well as adults, this handbook discusses buying, maintaining, and operating cars. Section 1 discusses managing automobile dollars. Topics include…

  16. Study of automobile exhaust particles by spectromicroscopy

    International Nuclear Information System (INIS)

    In this paper,automobile exhaust particles of Gol and Santana 3000 were studied by spectro microscopy. The STXM results show that the single particulate is sized at 500 nm, with the mass distribution reducing towards the center. The N 1s NEXAFS spectra of automobile exhaust particles have similar structure with those of nitrates, which can be deduced as the main chemical species of nitrogen in automobile exhaust particles. There are minor amounts of ammonium and organic nitrogen compounds in automobile exhaust particles. A single Gol automobile exhaust particle was stack scanned in the energy range of 396-416 eV. By principal component analysis and cluster analysis, it can be deduced that there are main three chemical species of nitrogen. The particle surface consists of mainly nitrates, the inside consists of mainly ammonium and organic nitrogen compounds, and the middle layer is an inter gradation consisting of mainly nitrates and organic nitrogen compounds. (authors)

  17. Nuclear insurance

    International Nuclear Information System (INIS)

    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)

  18. 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.

  19. Health Insurance Basics

    Science.gov (United States)

    ... Can I Help a Friend Who Cuts? Health Insurance Basics KidsHealth > For Teens > Health Insurance Basics Print ... advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...

  20. Chinese Space Insurance Opportunities

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Jiang Tai Insurance Broker Co., Ltd and China Pacific Insurance (group) Co., Ltd jointly held a conference on Space and Space Insurance on January 13 and 14, 2005. About 50 representatives from 30 domestic insurance companies attended the event.

  1. Insurer vs. Insurance Fraud: Characteristics and Detection

    OpenAIRE

    Jerry D. Todd; Sandra T. Welch; Orion J. Welch; Holmes, Sarah A

    1999-01-01

    Despite concern over insurance fraud by customers, the federal Insurance Fraud Prevention Act primarily targets internal fraud, or insurer fraud, in which criminal acts such as embezzlement could trigger an insurer’s insolvency, rather than fraud perpetrated by policyholders such as filing false or inflated claims—insurance fraud. This study investigates whether insurers’ weapons against insurance fraud are also used effectively to combat insurer fraud.

  2. 20 CFR 416.1218 - Exclusion of the automobile.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Exclusion of the automobile. 416.1218 Section..., BLIND, AND DISABLED Resources and Exclusions § 416.1218 Exclusion of the automobile. (a) Automobile; defined. As used in this section, the term automobile includes, in addition to passenger cars,...

  3. 10 CFR 611.207 - Small automobile and component manufacturers.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Small automobile and component manufacturers. 611.207... VEHICLES MANUFACTURER ASSISTANCE PROGRAM Facility/Funding Awards § 611.207 Small automobile and component... individuals; and (2) Manufactures automobiles or components of automobiles. (b) Set Aside—Of the amount...

  4. The rolling and skidding of automobile tyres

    Science.gov (United States)

    Tabor, D.

    1994-09-01

    This article deals in simple terms with the rolling and skidding of automobile tyres. It shows that skid resistance on slippery road surfaces may be significantly increased by using tyre treads of high hysteresis loss.

  5. Information searches by consumers of miniature automobiles

    Institute of Scientific and Technical Information of China (English)

    CHEN Dao-ping; LIU Wei

    2008-01-01

    We studied the information search behaviors of Chinese consumers of miniature automobiles. First, we identified the main sources where consumers acquire or seek information about miniature automobiles and discussed their extent of information search. Then, based on logistic regression and optimal scaling regression of statistics, we studied the influences of characteristics of consumers of miniature automobiles on the extent of information search and on Internet usage. The results indicate that consumers often utilize four sources to obtain information about miniature automobiles. The dominant information source for consumers is their friends/family, followed by dealers, newspapers, and TV. Age, occupation, education and income significantly affect the extent of information search, but gender and city of residence do not have significant impacts. Age, city of residence, occupation, education and income produce significant influences on Internet usage. Gender has an insignificant influence on whether a consumer uses the Internet to search for information.

  6. 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.

  7. CHOICE OF STRATEGY DIVERSIFICATION ON AUTOMOBILE TRANSPORT

    OpenAIRE

    Bilichenko, V.; Tsymbal, S.

    2005-01-01

    The block diagram which with use of imitating modelling will allow to choose optimum strategy diversification the enterprises of automobile transport is developed, having received the maximal profit at the minimal expenses.

  8. The Honey Trap:The democratization of leisure through automobilism

    OpenAIRE

    Wagner, Michael

    2013-01-01

    Michael F. Wagner: The Honey Trap –The democratization of leisure through automobilismThe automobile has achieved a central position in modern everyday life as an essential artefact to mobility. This raises the question how automobiles have been mediated for mass consumption? The central thesis in the article is that the culture of Danish automobilism was constructed around and appropriated through leisure activities conducted primarily by the automobile consumer’s organisation Touring Club d...

  9. China's Automobile:Walk into Africa

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    @@ The press conference and flag presentation ceremony of the 6th China Auto International fAlgeria & Egypt)Exhibition Tour was held on November 3,2008 at China Council for the Promotion of International Trade (CCPIT),Beijing.An international exhibition automobile team,which is composed of China's independent brands and represents the independent research,development and manufacturing level of Chinese automobile industry,is ready to set out for Africa.

  10. Competition in the IndianAutomobile Industry

    OpenAIRE

    Singh, Gagandeep

    2009-01-01

    ABSTRACT “Following India's growing openness, the arrival of new and existing models, easy availability of finance at relatively low rate of interest and price discounts offered by the dealers and manufacturers all have stirred the demand for vehicles and a strong growth of the Indian automobile industry”. The main focus of my dissertation will be the Indian automobile industry due to its rich diversity and ever-changing patterns. The Research Question which I would follow would be t...

  11. HEALTH INSURANCE

    CERN Multimedia

    Division HR

    2000-01-01

    Change of name for AUSTRIA As of October 1, the AUSTRIA Assurances S.A. company will change its name to: UNIQA Assurances S.A. It inherits the same name as its parent Austrian company, which adopted it towards the end of 1999. This change has no effect on the contract which binds it to CERN for the administration of our Health Insurance Scheme. New insurance cards will be sent to you by UNIQA and the printed forms and envelopes will gradually be updated with the new name. Postal and phone addresses remain unaffected by the change. You should address your postal mail to: UNIQA Assurances rue des Eaux Vives 94 case postale 6402 1211 Genève 6 You may telephone your usual contact persons at the same numbers as before and send e-mails to the UNIQA office at CERN at: UNIQA.Assurances@cern.ch

  12. Export insurance

    International Nuclear Information System (INIS)

    These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions

  13. 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...

  14. Health Insurance, Treatment and Outcomes: Using Auto Accidents as Health Shocks

    OpenAIRE

    Joseph J. Doyle Jr.

    2005-01-01

    Previous studies find that the uninsured receive less health care than the insured, yet differences in health outcomes have rarely been studied. In addition, selection bias may partly explain the difference in care received. This paper focuses on an unexpected health shock -- severe automobile accidents where victims have little choice but to visit a hospital. Another innovation is the use of a comparison group that is similar to the uninsured: those who have private health insurance but do n...

  15. Estimating the Effect of a Change in Insurance Pricing Regime on Accidents with Endogenous Mobility

    OpenAIRE

    Georges Dionne; Benoit Dostie

    2007-01-01

    In this paper, we estimate the impact of introducing a bonus-malus system on the probability of having automobile accidents, taking into account contract duration or the client mobility between insurers. We show that the new incentive scheme reduces accident rates of all policyholders when contract duration is taken into account, but does not affect accident rates of movers that shirk the imposed incentive effects of the new insurance pricing scheme.

  16. Prescriptions and Insurance Plans

    Science.gov (United States)

    MENU Return to Web version Prescriptions and Insurance Plans Prescriptions and Insurance Plans Getting a prescription filled is usually easy. But because of the high cost of prescription medicines, most insurance ...

  17. Forestry Standardization & Forestry Insurance

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Forestry insurance of our country has developed slowly,of which the main difficulty lies in predicting and determining forestry risk,confirming the sum insured,raising the premiums, indemnity for property loss,coordinating forestry insurance and forestry protection,and lack of insurance legal system etc.With the implementation of forestry's standardized project,and overcoming effectively the technological obstacle existing in forestry's insurance,the development speed of forestry's insurance will be accelerated too.

  18. Decommissioning: an insurance perspective

    International Nuclear Information System (INIS)

    The nuclear insurance pools, through American Nuclear Insurers (ANI) and the Mutual Atomic Energy Liability Underwriters (MAELU), have been providing third-party nuclear liability insurance to the nuclear industry since 1957. Third-party liability and property damage coverage resulting from the nuclear hazard are provided by separate insurance policies issued by the nuclear insurance pools. A liability insurer's view of decommissioning is addressed by discussing the following: insurer's perspective of potential nuclear liability; insurance claim experience and trends; objectives and accomplishments of ANI/MAELU's involvement with facility decommissioning; and important nuclear liability considerations for facility decommissioning

  19. 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...

  20. Unemployment Insurance Management.

    Science.gov (United States)

    Pope, Daniel C.

    1979-01-01

    An insurance management system has the goal of minimizing unemployment insurance costs. Components of a model system should include general administration, claims management, and appeals process. (Author)

  1. 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 ...

  2. Modeling of Electromagnetic Damper for Automobile Suspension

    Science.gov (United States)

    Kawamoto, Yasuhiro; Suda, Yoshihiro; Inoue, Hirofumi; Kondo, Takuhiro

    In this paper, the modeling of the electromagnetic damper (EMD) for automobile suspension is presented and the validation of the model is demonstrated by comparing the numerical results with the experimental results obtained using shaker tests. EMD is used as an active suspension and controlled to have output force calculated from velocities of sprung and unsprung masses. The formulation of EMD system for active suspensions is first developed, and the validation of the EMD model is demonstrated by experiments of the EMD for automobile suspensions. The validity of the formulation of the EMD developed in this investigation is shown for the frequency responses as well as energy balance for its active use.

  3. Mechanisms of injury in automobile crashes.

    Science.gov (United States)

    Huelke, D F

    1972-02-01

    The only way to determine the causes of injury in automobile collisions is through examination of data collected in detailed investigation of crashes. Such data were gathered from a ten-year study of collisions that caused injury to the occupants of the cars. In a comparison of injuries in the newer model automobiles-vehicles equipped with the safety features-with those in older model cars not equipped with the present-day occupant protection devices, significant reduction in injury severity was noted. PMID:5059662

  4. Automobile Exhaust Pollution and Purification Methods

    OpenAIRE

    Tang, Dawei

    2014-01-01

    As we all know, the automobile gas exhaust pollution has become more and more severe at recent years. It influences both to the human beings health and to quality of environment. The purpose of this thesis is to find out what are the main components of the exhaust gases, and give a basic and effective way to solve the problem. In this thesis, first the danger of exhaust pollution and its components will be presented. Then the writer will give the general mechanism of automobile exhaust ...

  5. WAYS AND PERSPECTIVES OF TECHNICAL DEVELOPMENT ON AUTOMOBILE TRANSPORT

    OpenAIRE

    Bilichenko, V.; Smyrnov, E.

    2005-01-01

    Modern conditions of enterprise on automobile transport are analyzed. Technical development of enterprise on automobile transport as one of the ways of increasing competitive abilities and there profits is considered.

  6. A STUDY ON ASYNCHRONOUS SERIAL COMMUNICATON BETWEEN COMPONENTS IN AUTOMOBILES

    OpenAIRE

    ŞAHİN, Yaşar Güneri

    2010-01-01

    ABSTRACTIn connection with the developments in the automobile sector, the number of in-automobile components, the amount of cable used for providing in-automobile communication between these components and costs are increased gradually. In this study, a method is presented in which asynchronous serial connection is used for decreasing the initial and maintenance costs by means of decreasing the amount of cables used in middle and lower class automobiles. The electronic circuits required to es...

  7. The Strategic Transformation of Automobile Industry in China

    OpenAIRE

    Som Techakanjanakit; Meifang Huang

    2012-01-01

    In the past few years, the global automobile industry is developing difficultly because of the influence from the financial crisis. In contrast, China's automobile production and sales are still having a blowout type growth, and jumped into the world's largest automobile production and sales market. At the same time, Chinese automobile companies continue to deepen and join with international brand cooperation; independent research and development of the independent brand production, and their...

  8. Research on automobile culture and entertainment industry in China

    OpenAIRE

    Li Qing-song; Tang Lan; Cai Yun

    2012-01-01

    Rapid development of the automotive Industry and culture Industry is promoted the rapid rise of automobile industry of the culture and entertainment. With the further development of the automobile industry and people's living standards, automobile industry of the culture and entertainment in the proportion of China's economy is more and more important, but theoretical research in this area is nearly blank. With previous researches, automobile industry of the culture and entertainment in China...

  9. 49 CFR 529.4 - Requirements for incomplete automobile manufacturers.

    Science.gov (United States)

    2010-10-01

    ... determined by the incomplete automobile manufacturer for the automobile in accordance with 40 CFR part 600... economy label specified in paragaph (b)(2) of this section to that automobile in accordance with 40 CFR... take into account the presence of air conditioning. (2) A fuel economy label conforming with 40...

  10. 38 CFR 17.156 - Eligibility for automobile adaptive equipment.

    Science.gov (United States)

    2010-07-01

    ... automobile adaptive equipment. 17.156 Section 17.156 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS MEDICAL Automotive Equipment and Driver Training § 17.156 Eligibility for automobile adaptive equipment. Automobile adaptive equipment may be authorized if the Under Secretary for Health...

  11. 38 CFR 3.808 - Automobiles or other conveyances; certification.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Automobiles or other....808 Automobiles or other conveyances; certification. (a) Entitlement. A certificate of eligibility for financial assistance in the purchase of one automobile or other conveyance in an amount not exceeding...

  12. Life Insurance. Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    Universal-life insurance was created to address many of the problems associated with whole-life insurance. One problem with whole-life insurance is its lack of flexibility. A second problem with whole life is that it is much like a black box. The owner cannot see exactly how it works. Universal life provides solutions to these problems. To fully understand universal life, refer to "Life Insurance: Whole-Life Insurance", Virginia Cooperative Extension publication 354-145, for some backgroun...

  13. Insurance Premium Optimization: Perspective of Insurance Seeker and Insurance Provider

    Directory of Open Access Journals (Sweden)

    Nidhi Arora

    2014-03-01

    Full Text Available The paper proposes a utilitarian and newfangled design of life insurance premium payment. Insurance companies provide insurance to the policy holders and in turn the policy holders have to pay insurance premium periodically. In this paper, we study the important factors to be considered at the time of selecting the term of premium payment of insurance. The intention is to extend this study to a method which can machinate and assist users in deciding the term and amount of premium payment. Our aim here is twin-fold; one, to evoke a novel way to policy holder to decide the least premiums to be paid and second, to devise a manner for insurance provider to collect maximum premiums. With this twofold aim, we propose a hybrid soft computing optimization model using Neuro-Fuzzy approach and Particle Swarm Optimization.

  14. Popularity of Tracking Device as an Anti-theft Measure and Impact of its sales on Sales of Auto Insurance Policies: Evidence from Karachi, Pakistan

    OpenAIRE

    Syed Karamat Ullah Hussainy; Salman Bashir; Syed Luqman Hakim

    2009-01-01

    In this paper attempt has been made to examine the popularity of tracking devices and its impact on the sales of automobiles insurance policies. Literature review revealed that people insure their vehicles to protect them from theft as well as from other perils such as fire, SRCC, accidental losses and third party liability. The coverage is mainly obtained to prevent theft, which has the major significance. Insurance companies have been trying since a long time to curtail the cost of theft, w...

  15. 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.)

  16. American Automobile and Light Truck Statistics Update

    Science.gov (United States)

    Feldman, Bernard J.

    2014-01-01

    Given that transportation is an essential topic in any Physics and Society or Energy course, it is necessary to have useful statistics on transportation in order to have a reasoned discussion on this topic. And a major component of the transportation picture is the automobile. This paper presents updated transportation statistics for American…

  17. Women's Health Insurance Coverage

    Science.gov (United States)

    ... Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Feb 02, 2016 Facebook Twitter LinkedIn Email ... women’s coverage in future years. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57 million women ...

  18. 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.

  19. Hybridní pohon automobilů

    OpenAIRE

    Tvrdý, Josef

    2014-01-01

    Obsahem této bakalářské práce je přehled možných hybridních pohonů automobilů a jejich praktické využití. Je zaměřena na hlavní výhody a nevýhody hybridního pohonu a zabývá se dopadem takto vybavených automobilů na životní prostředí, především na produkci skleníkových plynů. Také uvádí pohled na hybridy z finančního hlediska. This bachelor thesis deals with an overview of all possible hybrid vehicle propulsion systems and their practical usage. It is focused on the main advantages and disa...

  20. Amarok Pikap: interactive percussion playing automobile

    OpenAIRE

    Artut, Selçuk Hüseyin; Artut, Selcuk Huseyin

    2013-01-01

    Alternative interfaces that imitate the audio-structure of authentic musical instruments are often equipped with sound generation techniques that feature physical attributes similar to those of the instruments they imitate. Amarok Pikap project utilizes an interactive system on the surface of an automobile that is specially modified with the implementation of various electronic sensors attached to its bodywork. Sur-faces that will be struck to produce sounds in percussive instrument modeling ...

  1. THE COST OF INACCURATE AUTOMOBILE MILEAGE INFORMATION

    OpenAIRE

    Sexauer, Benjamin; Roe, Terry L.; Kinsey, Jean D.

    1981-01-01

    The model in this paper integrates the possibility of misinformation into consumer utility theory. If the utility realized from a good differs from the utility anticipated at time of purchase, shifts in demand would occur, and thus changes in consumer surplus. These changes provide a measure of the cost of misinformation or value of improved information. The empirical analysis yields estimates of the private and social cost of inaccuracies in automobile buyers; pre-purchase mileage estimates....

  2. Statistical machine translation for automobile marketing texts

    OpenAIRE

    Läubli, Samuel; Fishel, Mark; Weibel, Manuela; Volk, Martin

    2013-01-01

    We describe a project on introducing an in-house statistical machine translation system for marketing texts from the automobile industry with the final aim of replacing manual translation with post-editing, based on the translation system. The focus of the paper is the suitability of such texts for SMT; we present experiments in domain adaptation and decompounding that improve the baseline translation systems, the results of which are evaluated using automatic metrics as well as manual evalua...

  3. New type air (automobile) gamma spectroscopic system

    International Nuclear Information System (INIS)

    A new type air (automobile) gamma spectroscopic system for identification and measuring of contamination with natural and artificial gamma isotopes is described. developed. Its main principle is a maximal use of the energy resolution of NaJ(Tl) detectors. The system consists of a spectrometer working simultaneously with a set of 1-16 scintillator blocks and a registration/ data processing unit. The operational mode, optimal performance and control subsystem are described

  4. 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.

  5. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    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

  6. Understanding health insurance plans

    Science.gov (United States)

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

  7. Corrosion protection and finishing of automobiles

    International Nuclear Information System (INIS)

    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

  8. Risks In Marine Insurance

    OpenAIRE

    Jelena Grdinic

    2008-01-01

    The author of this paper elaborates risks in marine insurance. Firstly, the author primarily specifies the concept, types and basic characteristics of risks, emphasizing specifics of marine risk in relation to general risks. The author particularly considers determination of risk according to our legal regulations and English Marine Insurance Act, as the most important act in this matter. Special attention is paid to insured risk according to the most recent standard conditions for insurance ...

  9. Multiple Peril Crop Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

    Multiple Peril Crop Insurance (MPCI) is a broad-based crop insurance program regulated by the U.S. Department of Agriculture and subsidized by the Federal Crop Insurance Corporation(FCIC). Crops eligible for MPCI coverage in Iowa include corn, sobyeans, oats, wheat, seed corn, popcorn, barley, potatoes, sweet corn, canning beans, dry beans, forages, grain sorghum, green peas, tomatoes, and nursery stocks. Not all of these crops can be insured in all counties.

  10. Credit risk insurance

    OpenAIRE

    Pospíšil, Marek

    2010-01-01

    Diploma thesis on the topic Credit risk insurance approximates the functioning of the security instrument on the commercial market for credit insurance and export markets. It maps the management process and describes the basic elements and principles of the trade credit insurance in detail. It also includes the evaluation of the commercial insurance in terms of benefits and shortcomings that this instrument represents. The following part describes the activity of the Export Guarantee and Insu...

  11. Insurance Contracts and Securitization

    OpenAIRE

    Doherty, Neil A.; Schlesinger, Harris

    2001-01-01

    High correlations between risks can increase required insurer capital and/orreduce the availability of insurance. For such insurance lines, securitizationis rapidly emerging as an alternative form of risk transfer. The ultimatesuccess of securitization in replacing or complementing traditional insuranceand reinsurance products depends on the ability of securitization to facilitateand/or be facilitated by insurance contracts. We consider how insuredlosses might be decomposed into separate comp...

  12. 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…

  13. 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...

  14. 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.

  15. Globalization of the Automobile Industry ; Traditional Locations under Pressure?

    OpenAIRE

    Spatz, Julius; Nunnenkamp, Peter

    2002-01-01

    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...

  16. Nuclear liability insurance

    International Nuclear Information System (INIS)

    Nuclear liability insurance, which exists in some countries, is provided by pools, which are groups of insurance companies that have voluntarily combined to share the insurance risk. Currently, 28 insurance pools operate worldwide. National pools are members of the international pool system. The pools cover both third party liability and material damage. Entities insured by pools include not only nuclear power plants but also fuel fabrication plants, research reactors, nuclear waste treatment plants, spent fuel reprocessing plants, facilities for protecting nuclear wastes before disposal, as well as nuclear fuel and facility carriers and suppliers. (J.B.)

  17. Risks and nuclear insurance

    International Nuclear Information System (INIS)

    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

  18. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    the debates 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......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...... 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...

  19. CAR INSURANCE – ENGINE FOR THE ROMANIAN INSURANCE MARKET

    OpenAIRE

    Gherasim Solovestru Domide; Alexandru Domide

    2013-01-01

    The paper presents the evolution of risk underwriting for the general insurance and motor insurance by the insurance companies with insurance activity in Romania during 2007 until 2012. In the analyzed period we have noted an increase and then a decrease in the risk underwriting value for all the classes of general insurance. During this period, within the classes of general insurance, the car insurance are holding values above 50% of total subscriptions. This fact has a negative impact over ...

  20. SLIDING MODE CONTROL FOR ACTIVE AUTOMOBILE SUSPENSIONS

    Institute of Scientific and Technical Information of China (English)

    1998-01-01

    Nonlinear control methods are presented based on theory of sliding mode control (SMC) or variable structure control (VSC) for application to active automobile suspensions. Requirements of reducing manufacturing cost and energy consumption of the active suspension system may be satisfiedby reasonable design of the sliding surface and hydraulic servo system. Emphasis is placed on the study of the discrete sliding mode control method (DSMC) applicable for a new sort of speed on-off solenoid valves of anti-dust capability and low price. Robustness and effectiveness of the feedback linearized controller in typical road conditions are demonstrated by numerical results fora quarter-car suspension model.

  1. WIND DRIVEN MOBILE CHARGING OF AUTOMOBILE BATTERY

    OpenAIRE

    SUDHIR KUMAR SINHA; SUMIT KUMAR JHA,; DR S.N. SINGH,

    2011-01-01

    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 15/40 km/hour has been used to eliminate gear box to achieve high efficiency. The output of three phase bridge rectifier is fed to boost converter which provides pulses of constant curren...

  2. WIND DRIVEN MOBILE CHARGING OF AUTOMOBILE BATTERY

    Directory of Open Access Journals (Sweden)

    SUDHIR KUMAR SINHA

    2011-01-01

    Full Text Available 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 15/40 km/hour has been used to eliminate gear box to achieve high efficiency. The output of three phase bridge rectifier is fed to boost converter which provides pulses of constant current to the battery.

  3. 76 FR 44402 - Proposed Information Collection (Application for Automobile or Other Conveyance and Adaptive...

    Science.gov (United States)

    2011-07-25

    ... AFFAIRS Proposed Information Collection (Application for Automobile or Other Conveyance and Adaptive...' eligibility for automobile adaptation equipment or other conveyance allowance. DATES: Written comments and... techniques or the use of other forms of information technology. Title: Application for Automobile or...

  4. Alternativní pohony automobilů

    OpenAIRE

    Filip, Vojtěch

    2016-01-01

    Náplní této bakalářské práce je analýza aktuálně používaných alternativních pohonů automobilů, jejich srovnání se současnými zážehovými a vznětovými spalovacími motory. Seznámení s technickým řešením jednotlivých pohonů a jejich kategorizace do několika základních skupin, podle charakteristických klíčových rysů. Dále obsahuje bližší seznámení s nejdůležitějšími komponenty automobilů, vyžívajících tyto alternativní pohony a současně jejich přednostmi ale také nedostatky, které nyní brzdí rozší...

  5. STRATEGY AND PROSPECTS OF UKRAINIAN AUTOMOBILE MOTOR INDUSTRY DEVELOPMENT

    OpenAIRE

    Kryvokon, A.; Bondarenko, A.

    2012-01-01

    Research of strategy and prospects of Ukrainian automobile motor industry development has been done: the measures of public policy, which must be realized for the development of national automobile industry, a car production volume and expected working place in motor industry under state support have been described.

  6. STRATEGY AND PROSPECTS OF UKRAINIAN AUTOMOBILE MOTOR INDUSTRY DEVELOPMENT

    Directory of Open Access Journals (Sweden)

    A. Kryvokon

    2012-01-01

    Full Text Available Research of strategy and prospects of Ukrainian automobile motor industry development has been done: the measures of public policy, which must be realized for the development of national automobile industry, a car production volume and expected working place in motor industry under state support have been described.

  7. 40 CFR 600.315-08 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

    ... accordance with 49 CFR part 523. (1) The Administrator will classify passenger automobiles by car line into... National Highway Traffic Safety Administration, Department of Transportation (DOT), 49 CFR 571.3. (ii... 40 Protection of Environment 29 2010-07-01 2010-07-01 false Classes of comparable automobiles....

  8. 40 CFR 600.315-82 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

    ... accordance with 49 CFR part 523. (1) The Administrator will classify passenger automobiles by car line into..., Department of Transportation (DOT), 49 CFR 571.3. (ii) Minicompact cars. Interior volume index less than 85... 40 Protection of Environment 29 2010-07-01 2010-07-01 false Classes of comparable automobiles....

  9. 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... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium:...

  10. Multivariate Frequency-Severity Regression Models in Insurance

    Directory of Open Access Journals (Sweden)

    Edward W. Frees

    2016-02-01

    Full Text Available In insurance and related industries including healthcare, it is common to have several outcome measures that the analyst wishes to understand using explanatory variables. For example, in automobile insurance, an accident may result in payments for damage to one’s own vehicle, damage to another party’s vehicle, or personal injury. It is also common to be interested in the frequency of accidents in addition to the severity of the claim amounts. This paper synthesizes and extends the literature on multivariate frequency-severity regression modeling with a focus on insurance industry applications. Regression models for understanding the distribution of each outcome continue to be developed yet there now exists a solid body of literature for the marginal outcomes. This paper contributes to this body of literature by focusing on the use of a copula for modeling the dependence among these outcomes; a major advantage of this tool is that it preserves the body of work established for marginal models. We illustrate this approach using data from the Wisconsin Local Government Property Insurance Fund. This fund offers insurance protection for (i property; (ii motor vehicle; and (iii contractors’ equipment claims. In addition to several claim types and frequency-severity components, outcomes can be further categorized by time and space, requiring complex dependency modeling. We find significant dependencies for these data; specifically, we find that dependencies among lines are stronger than the dependencies between the frequency and average severity within each line.

  11. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

    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)

  12. Insurance flood maps

    International Nuclear Information System (INIS)

    Dear Client, in half an hour you will be hit by a flood, please get ready. Your insurance company. Such a phone call or SMS could only mean two things: drunk friends or an insurance company using a flood map. In the second case, the best thing to do on receiving such a message is to act quickly. The advantage of flood maps do not necessarily have to start at the moment a flood becomes an immediate threat. The primary role of flood maps is to allow for a fairer calculation of insurance rates. Insurance companies can save on re-insurance costs as if the risk level is predictable re-insurance companies may offer better rates. The three largest insurance companies: Allianz - Slovenska poistovna, Kooperativa and Ceska poistovna Slovensko have begun introducing flood maps. These three companies control about 75% of the market. And if competition does not force other market participants to adopt the same approach, re-insurance companies certainly will. They will charge more for a less specifically defined risk level. So far insurance companies have not encountered this pressure, re-insurance companies are helping them set up the flood maps and in the coming years flood maps will become a common tool. Then the pressure will be there: if a insurance company uses a different calculation method, the final price may differ greatly from the competition's. If the price is higher, the company will lose clients and if the price is much lower, the risk has probably not been calculated correctly and the insurance company may suffer substantial losses in the event of a major flood. In short, the investment of several million Sk in a flood map is essential

  13. Active social insurance

    OpenAIRE

    Røed, Knut

    2012-01-01

    The paper argues that a comprehensive activation strategy is called for - in both unemployment and disability insurance - to minimize the conflict between income insurance and work incentives and to prevent the economic crisis from causing a long-lasting decline in labor force participation. A review of recent empirical evidence, particularly from the Scandinavian countries, indicates that 'mild' activation requirements effectively counteract moral hazard problems in social insurance. The pap...

  14. Health and disability insurance

    OpenAIRE

    Börsch-Supan, Axel

    2011-01-01

    "Disability insurance - the insurance against the loss of the ability to work - is a substantial part of social security expenditures in many countries. The benefit recipiency rates in disability insurance vary strikingly across European countries and the US. This paper investigates the extent of, and the causes for, this variation, using econometric analyses based on new data from SHARE, ELSA and HRS. We show that even after controlling for differences in the demographic structure and health...

  15. Managing Insurance Fraud

    OpenAIRE

    Miller, Gino

    2008-01-01

    After tax evasion, insurance fraud is considered the highest ranked among white-collar crimes perpetrated today (Coalition Against Insurance Fraud 2001). The complexity of the problem matches its magnitude which arises from a number of sources. Fraud is dynamic: when insurers uncover fraudulent activity and puts up barriers to prevent its reoccurrence, another takes its place. Motivation to commit fraud vary, from opportunistic individuals submitting fraudulent claims as a means of recovering...

  16. The insurance of nuclear installations

    International Nuclear Information System (INIS)

    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.)

  17. Theory of health insurance.

    Science.gov (United States)

    Nyman, J A

    1998-01-01

    The conventional explanation for purchasing insurance is to transfer risk. Psychologists, however, have shown that this explanation does not match actual behavior. They find that people generally prefer the risk of no loss at all to the certainty of a smaller actuarially equivalent loss, a situation exactly opposite to the one represented by the purchase of insurance. Nevertheless, people do purchase insurance, so there must be an explanation other than risk transfer for purchasing it. Of the explanations so far advanced, however, none have yet developed a wide acceptance. Regardless of risk issues, people will be more likely to purchase insurance when the premium is low compared to the value of the coverage to the consumer. Moral hazard raises the premium, as does adverse selection. The presence of either makes the purchase of insurance less likely. With health insurance, the tax subsidy can reduce the effective premium to less than the actuarially fair cost of insurance. This would increase the likelihood that health insurance is purchased. Finally, because of the value we place on our health, we desire access to a full range of health care. Health insurance is often the only affordable way of gaining access to this care, given the high costs of many of these procedures. PMID:10185500

  18. Taxes and Health Insurance

    OpenAIRE

    Jonathan Gruber

    2001-01-01

    A common prescription for reducing the number of uninsured is to increase the tax subsidization of health insurance in the U.S. Yet, we already provide over $100 billion per year in tax subsidies to health insurance. This paper provides an assessment of the past and potential impacts of taxation on health insurance coverage and costs. I begin by reviewing the central facts on health insurance and taxation. I then provide a framework for assessing the impacts of tax policies on health insuranc...

  19. Perception of risk from automobile safety defects.

    Science.gov (United States)

    Slovic, P; MacGregor, D; Kraus, N N

    1987-10-01

    Descriptions of safety engineering defects of the kind that compel automobile manufacturers to initiate a recall campaign were evaluated by individuals on a set of risk characteristic scales that included overall vehicle riskiness, manufacturer's ability to anticipate the defect, importance for vehicle operation, severity of consequences and likelihood of compliance with a recall notice. A factor analysis of the risk characteristics indicated that judgments could be summarized in terms of two composite scales, one representing the uncontrollability of the damage the safety defect might cause and the other representing the foreseeability of the defect by the manufacturer. Motor vehicle defects were found to be highly diverse in terms of the perceived qualities of their risks. Location of individual defects within the factor space was closely associated with perceived riskiness, perceived likelihood of purchasing another car from the same manufacturer, perceived likelihood of compliance with a recall notice, and actual compliance rates. PMID:3675807

  20. PRODUCT EFFICIENCY IN THE SPANISH AUTOMOBILE MARKET

    Directory of Open Access Journals (Sweden)

    González, Eduardo

    2013-01-01

    Full Text Available This paper evaluates product efficiency in the Spanish automobile market. We use non parametric frontier techniques in order to estimate product efficiency scores for each model. These scores reflect the minimum price for which each car could be sold, given the bundle of tangible features it offers in comparison to the best-buy models. Unlike previous research, we use discounted prices which have been adjusted by car dealerships to meet sale targets. Therefore, we interpret the efficiency scores as indicators of the value of the intangible features of the brand. The results show that Audi, Volvo, Volkswagen and Mercedes offer the greatest intangible value, since they are heavily overpriced in terms of price/product ratios. Conversely, Seat, Kia, Renault and Dacia are the brands that can be taken as referent in terms of price/product ratios.

  1. Analytical description of the modern steam automobile

    Science.gov (United States)

    Peoples, J. A.

    1974-01-01

    The sensitivity of operating conditions upon performance of the modern steam automobile is discussed. The word modern has been used in the title to indicate that emphasis is upon miles per gallon rather than theoretical thermal efficiency. This has been accomplished by combining classical power analysis with the ideal Pressure-Volume diagram. Several parameters are derived which characterize performance capability of the modern steam car. The report illustrates that performance is dictated by the characteristics of the working medium, and the supply temperature. Performance is nearly independent of pressures above 800 psia. Analysis techniques were developed specifically for reciprocating steam engines suitable for automotive application. Specific performance charts have been constructed on the basis of water as a working medium. The conclusions and data interpretation are therefore limited within this scope.

  2. 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

  3. Consumer preferences for automobile energy-efficiency grades

    International Nuclear Information System (INIS)

    Recently, increases in energy prices have made energy conservation and efficiency improvements even more essential than in the past. However, consumers experience difficulty in obtaining reliable information regarding energy efficiency, so that many countries have implemented regulations to enforce energy-efficiency grade labeling. In this study, consumer preferences regarding energy efficiency grades are analyzed by the mixed logit and MDCEV model based on the revealed preference data of past automobile purchases. Findings show that consumers rationally apply information on energy efficiency grades when purchasing automobiles. However, they tend to show inefficiency in automobile usage patterns. This study discusses political implications of energy efficiency policies as they might impact consumer behaviors of automobile purchase and usage. - Highlights: ► We model discrete choice model to evaluate energy-efficiency grade regulation. ► Consumers apply information on energy efficiency grades when purchasing automobiles. ► However, they tend to show inefficiency in automobile usage patterns. ► The policies for efficient automobile usage are discussed.

  4. 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...

  5. Profitability of Title Insurance Companies

    OpenAIRE

    Edwin H. Duett; Robert A. Hershbarger

    1992-01-01

    The research in this paper examines the profitability of title insurance companies in relationship to property/casualty, life/health insurance and non-insurance firms. A series of four profitability measures which have previously been tested in prior literature have been used to determine if title insurance companies are more or less profitable than the other types of insurance companies and non-insurance firms.

  6. 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.

  7. Insurance industry guide

    International Nuclear Information System (INIS)

    This listing is a guide to insurers for independent energy projects. The listing is in directory format and includes the insurance company name, the name of a company contact, the company address, telephone and FAX numbers and a description of the company and the types of coverage available for energy projects. The listing is international in scope

  8. Insurance industry guide

    International Nuclear Information System (INIS)

    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

  9. Understanding health insurance plans

    Science.gov (United States)

    Most insurance companies offer different types of health plans. And when you are comparing plans, it can sometimes seem ... Depending on how you get your health insurance, you may have a ... (HMOs). These plans offer a network of health care providers ...

  10. 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.

  11. Catastrophic Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

    Beginning in 1995 farmers were offered the chance to carry a minimum level of Multiple Peril Crop Insurance (MPCI) coverage at very little cost. This catastrophic or CAT insurance coverage replaces the protection offered to crop producers under federal disaster programs in recent years.

  12. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    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)

  13. Uninsured vs. insured population

    DEFF Research Database (Denmark)

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

    2003-01-01

    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 ana...

  14. A Study of the Translation of Automobile Trademark

    Institute of Scientific and Technical Information of China (English)

    刘硕

    2014-01-01

    Name is an interesting thing, almost everything has its name. Nowadays along with the rising of consumption levels in China, the brand name of the car becomes an important topic. And the translation of the name of the automobile is the primary task for establishing the global image of the brand. In this paper, I summarize the translation methods for automobile trademarks and point out the importance of the translation of automobile’s trademarks. In addition, this paper explores the trend in the trans-lation of automobile names in China.

  15. Standardization Boosts the Development ofCHANGAN AUTOMOBILE

    Institute of Scientific and Technical Information of China (English)

    2012-01-01

    In the past two decades,CHANGAN AUTOMOBILE has been sticking to its core value of "technology innovation and consistent care" and dedicating to lead the automobile culture by technology innovation.Till now,it has a complete product range of micro vehicles,passenger cars,buses,trucks,SUV,MPV,etc.,and engineplatforms ranging from 0.8L to 2.5L.CHANGAN AUTOMOBILE brand output ranked 13th in the world and first in China in 2009.Its brand value reached 30.515 billion RMB in 2011,among most valuable brands in China.

  16. 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 “...

  17. Nuclear insurance in Canada

    International Nuclear Information System (INIS)

    Many years ago, a group of insurance companies founded an organization offering nuclear insurance, called Nuclear Insurance Association of Canada. The passage of Order-in-Council P.C. 1960-555 gave Atomic Energy of Canada Ltd. the power to indemnify suppliers, contractors, etc. against liability claims. The situation has remained essentially unchanged. In 1970 Parliament passed the Nuclear Liability Act, but it has never been proclaimed. The act sets mandatory levels of nuclear insurance as high as $75 million for firms involved in nuclear activity. It is expected that agreement between the insurers and government will be reached later this year (1976), so that the act can be proclaimed. (N.D.H.)

  18. Travel insurance and health.

    Science.gov (United States)

    Leggat, P A; Carne, J; Kedjarune, U

    1999-12-01

    Travel insurance normally underwrites travel, medical, and dental expenses incurred by travelers abroad and arranges aeromedical evacuation of travelers under conditions specified by the travel insurance policy. Because of the costs of medical and dental treatment abroad and the high cost associated with aeromedical evacuation, all travelers should be advised of the need for comprehensive travel insurance and be advised to read their policies carefully to see what is covered and to check for any exclusions. In particular, those travelers who have known preexisting conditions, who are working overseas, or who are going to undertake any form of hazardous recreational pursuit may need to obtain a special travel insurance policy, which may attract a higher premium. Conservatively, it is estimated that between 30-50% of travelers become ill or injured whilst traveling. Relative estimated monthly incidence rates of various health problems have been compiled elsewhere. The risk of severe injury is thought to be greater for people when traveling abroad. These risks should be covered by travel insurance to protect the traveler, however it is not known what proportion of travel agents or airlines give advice routinely on travel insurance. Travel insurance is the most important safety net for travelers in the event of misadventure, and should be reinforced by travel health advisers. Although only 4% of general practitioners (GPs) in a late 1980's study in the United Kingdom would advise a traveler going to Turkey about travel insurance,4 more recent studies have shown about 60% of GPs in New Zealand and 39% of travel clinics worldwide usually advised travelers concerning travel insurance. In addition, 54% of GPs in New Zealand usually also advised travelers about finding medical assistance abroad, but only 19% of GPs recommended travel insurance companies as a source of medical assistance while traveling. PMID:10575173

  19. Life Insurance. Variable Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

    The term "variable" simply refers to "different investment options." Variable universal-life insurance allows the policy-owner to choose how the cash value is invested. Some variable policies have up to 50 different "sub-accounts" from which to choose.

  20. 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...

  1. Individual insurance: health insurers try to tap potential market growth.

    Science.gov (United States)

    November, Elizabeth A; Cohen, Genna R; Ginsburg, Paul B; Quinn, Brian C

    2009-11-01

    Individual insurance is the only source of health coverage for people without access to employer-sponsored insurance or public insurance. Individual insurance traditionally has been sought by older, sicker individuals who perceive the need for insurance more than younger, healthier people. The attraction of a sicker population to the individual market creates adverse selection, leading insurers to employ medical underwriting--which most states allow--to either avoid those with the greatest health needs or set premiums more reflective of their expected medical use. Recently, however, several factors have prompted insurers to recognize the growth potential of the individual market: a declining proportion of people with employer-sponsored insurance, a sizeable population of younger, healthier people forgoing insurance, and the likelihood that many people receiving subsidies to buy insurance under proposed health insurance reforms would buy individual coverage. Insurers are pursuing several strategies to expand their presence in the individual insurance market, including entering less-regulated markets, developing lower-cost, less-comprehensive products targeting younger, healthy consumers, and attracting consumers through the Internet and other new distribution channels, according to a new study by the Center for Studying Health System Change (HSC). Insurers' strategies in the individual insurance market are unlikely to meet the needs of less-than-healthy people seeking affordable, comprehensive coverage. Congressional health reform proposals, which envision a larger role for the individual market under a sharply different regulatory framework, would likely supersede insurers' current individual market strategies. PMID:19899193

  2. Fuzzy analytic network process based multi criteria decision making methodology for a family automobile purchasing decision

    OpenAIRE

    Yesim Yayla, A.; Yildiz, A

    2013-01-01

    Nowadays, in parallel with the advancing technology, automobiles that have substantially advanced technological properties are being manufactured. Intended uses of the automobiles have been changing in our days in contrast to 1960s when automobiles were only used for transportation. Consumers, in our day and age, expect profoundly different properties from an automobile. In this context, more than one criterion become effective on making decision on purchasing an automobile that has the requi...

  3. Application of the Engel, Kollat and Blackwell Model to Consumers of Automobile Insurance

    OpenAIRE

    Joseph C. Bonnice

    1985-01-01

    A significant stage of the analysis of consumer behavior was reached in the 1960s with the development of three models of consumer behavior in the following studies: Nicosia], Howard and Sheth, Engel Koolat, and Blackwell (EKB), all of which attempted to present a conceptual framework for the analysis of consumer behavior . This article focuses on the examination of these conceptual models of consumer behavior and the determination of whether these models accurately depict the behavior of con...

  4. Supply Chain Management Practices of Indian Automobile Industry

    OpenAIRE

    B. S. Sahay; Vikram Sharma; G. D. Sardana

    2011-01-01

    The automobile industry is a major contributor to India’s economy. The Indian automobile manufacturers face stiff international competition in the wake of all major US and European car manufacturers entering the Indian market. In the contemporary scenario, supply chain management practices can be adopted to improve operational efficiency and profits. This paper presents the current status of Indian automotive supply chains. For this, data was collected by conducting a nationwide survey. The...

  5. Measures of Technical Efficiency in Two Sectors: Banks and Automobiles

    OpenAIRE

    Rapacciuolo Ciro

    2007-01-01

    The aim of this paper is to evaluate technical efficiency in the automobile and the banking industry, using balance sheet data on businesses in the two sectors: the world leading automobile producers and the top-20 Italian banking groups. The measurement of inefficiency, a strand of literature started by Farrell (1957), is conducted by means of the Data Envelopment Analysis (DEA), which is one of the existing approaches in this field; Fare, Grosskopf e Lovell (1994) prepared the ground for th...

  6. Evolution of organizational structure and strategy of the automobile industry

    OpenAIRE

    Heng, S.H.; Wibbelink, R.

    2000-01-01

    This paper is a historically oriented study of the automobile industry. It sets out to understand why have the structure and strategy of the dominant companies in the automobile industry changed in the way they have done. Our findings suggest three factors at work, namely the knowledge of car production and of customers, the capability of the technological system, and the business environment. The knowledge system represents the level of know-how and the availability of information. In a sens...

  7. Computer Model for Automobile Climate Control System Simulation and Application

    Directory of Open Access Journals (Sweden)

    Emin Oker

    1999-06-01

    Full Text Available A software to simulate the dynamic operation of climate control system for a generic automobile has been developed. The transient nature of passenger cabin temperature and relative humidity are predicted using the principles of thermodynamics. Analysis include detailed simulations of every component of the automobile air conditioning network. The methodology is validated by comparing the simulation results with the experimental results.

  8. Characteristics of motorcyclists involved in accidents between motorcycles and automobiles

    OpenAIRE

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

    2015-01-01

    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 regio...

  9. Insurability of Terrorism Risks

    International Nuclear Information System (INIS)

    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)

  10. THEORETICAL ANALYSIS OF THE CONCEPT OF INSURANCE PORTFOLIO OF INSURER

    OpenAIRE

    Kondratenko, D.

    2014-01-01

    The article is devoted to the analysis of the different interpretations of the concept of "portfolio insurance". The examples of the essence understanding of the “portfolio insurance'' concept from the different scholars point of view was examined from the perspective of the aggregate insurance risks and the number of contracts or assets incepted for the insurance. The functions and principles of the insurance portfoli were designated. It has been established that the current legislation does...

  11. Particularity of Selling Insurance for Romanian Insurance Companies

    OpenAIRE

    Gavriletea Marius

    2008-01-01

    It is already known that marketing has a very important role for the success of each type business. Insurance sector is an industry with continuously modification towards insured risks, exclusions and quotations. The competition in the Romanian insurance industry is a really tough one, and the insurance companies that will adopt better marketing strategies will be successful and profitable ones. As a part of marketing field, distribution channels in insurance grew in importance in the last de...

  12. Vibro-acoustics of automobile engines; Vibro-acoustique des moteurs d'automobile

    Energy Technology Data Exchange (ETDEWEB)

    Leclere, Q.; Laulagnet, B.; Guyader, J.L. [Institut National des Sciences Appliquees (INSA), 69 - Villeurbanne (France); Polac, L. [Renault DM, 92 - Rueil Malmaison (France)

    2006-04-15

    This article treats of the vibro-acoustics of automobile engines. A presentation of the phenomena leading to noise emission is performed: internal sources, dynamical behaviour of the structure, acoustic radiation of the external engine envelope. The complexness of engines leads to multiple noise sources which are described, analyzed and quantified. The technical solutions for their abatement are presented. The following points are successively described: dynamical behaviour of the engine-propulsion system, acoustic radiation, inertia stresses, combustion noise, common rail diesel injection system noise, piston slap, distribution drive noise, turbo-charger whistle, gearbox noise. (J.S.)

  13. Crash test of a liquid hydrogen automobile

    Science.gov (United States)

    Finegold, J. G.; Van Vorst, W. D.

    1976-01-01

    Details of the conversion of a U.S. Postal Service mail truck to hydrogen-fueled operation are given. Specific reference is made to design safety considerations. A traffic accident is described that caused the mail truck (mounted on a trailer) to turn on its side at approximately 20 mph and to finally slide to a stop and turn upside down. No one was injured, and there was essentially no damage to the liquid hydrogen fuel system. The mail truck was driven away from the scene of the accident. Suggestions to insure the safety of hydrogen-fueled experimental vehicles are made.

  14. Insurance Risks – Hedging Techniques

    OpenAIRE

    Botea Elena Mihaela; Sahlian Daniela Nicoleta; Stanila Oana Georgiana

    2011-01-01

    Insurance companies by their specific activity and by the variety of operations are exposed to a multitude of risks. We can say that the risk is the basic condition of the insurance. If there were no risks, there would be no insurance. Therefore, risk insurance is a specific element, being subject to any insurance contract. Seeking a definition for risk, one can say that “risk is a danger, a threat faced by goods, people, businesses and insurance companies may provide”. The insurance companie...

  15. HUD Insured Multifamily Properties

    Data.gov (United States)

    Department of Housing and Urban Development — The FHA insured Multifamily Housing portfolio consist primarily of rental housing properties with five or more dwelling units such as apartments or town houses, but...

  16. HUD Insured Hospitals

    Data.gov (United States)

    Department of Housing and Urban Development — The Office of Healthcare Programs (OHP), previously known as the Office of Insured Health Care Facilities, is located within the Office of Housing and administers...

  17. M. Nuclear insurance

    International Nuclear Information System (INIS)

    Nuclear insurance and some of the features associated with it, such as the International Conventions and the operation of Atomic Risk Pools, are discussed both in general and with specific reference to the USA, Canada and the United Kingdom

  18. 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)

  19. Computer Crime and Insurance.

    Science.gov (United States)

    Beaudoin, Ralph H.

    1985-01-01

    The susceptibility of colleges and universities to computer crime is great. While insurance coverage is available to cover the risks, an aggressive loss-prevention program is the wisest approach to limiting the exposures presented by computer technology. (MLW)

  20. Revenue Crop Protection Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

    Insurance against poor crop yields has been available for many years. But income from crop production can be low even when yields are not. A new risk management tool known as crop revenue insruance addresses this problem. Revenue insurance guarantees a certain level of revenue rather than just production. It protects you from declines in both crop prices and yields. The guarantee is based on market prices and the actual yield on your farm.

  1. Product liability insurance for WECS

    Energy Technology Data Exchange (ETDEWEB)

    Noun, R.J.

    1979-10-01

    Preliminary findings from a sampling of manufacturers indicate that product liability insurance for WECS is still difficult to obtain in many cases. About half of the 21 WECS manufacturers contacted do not have product liability insurance at this time. About one manufacturer in three who has attempted to obtain insurance has been rejected by at least one insurance company. In some instances, although an insurer had offered to provide coverage, the manufacturer found the rates quoted to be prohibitively expensive.

  2. INSURANCE CONSUMER PROTECTION IN ROMANIA

    OpenAIRE

    MARIUS DAN GAVRILETEA

    2010-01-01

    A very active sector in recent years (2002-2008) fot Romania is the insurance industry. Both individuals and companies need protection that should become more accurate. Given these aspects, sustained by a steady growth of the insurance market, in Romania the issue of protection of policyholders - as consumers of services (insurance) appeared. Inside this paper we will focus on the regulatory body which supervise the insurance business in Romania and the insurance contract – the main factor fo...

  3. 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.

  4. Dental insurance! Are we ready?

    Science.gov (United States)

    Toor, Ravi S S; Jindal, R

    2011-01-01

    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. PMID:21525693

  5. New technologies - boundaries of insurability

    Energy Technology Data Exchange (ETDEWEB)

    Schimana, D. [Marsh GmbH, Duesseldorf (Germany)

    2005-07-01

    The insurance industry has always kept pace with advances in power station technology. Major development steps have been supported by an appropriate distribution of risk among developers, manufacturers, owners, investors and insurers. The main consideration is the extent to which the insurance market classifies damage to new technology as forseeable and therefore uninsurable. In the 1990s, insurers responded to this by making the answer clear in the terms of insurance for gas turbines, for example. More recently, we have seen a similar response for wind power and biogas plants. To avoid any nasty surprises when an insured event occurs, it is essential to conduct an early and frank discussion of new developments with all parties involved in a project, including lenders and insurers. This article will use examples to demonstrate criteria for classifications in the insurance market and the impact on the insurance protection for such plants in the opinion of an industry expert who is regularly involved in such projects. (orig.)

  6. 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.

  7. 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 of...... gasoline, diesel and other fuels used for automobiles. We note that significant uncertainties exist in values of both the number of automobiles in use and the distance each is driven, which together yield total automobile use. We present our own calculations for total automobile fuel use for a variety of...

  8. Exposure to emissions from gasoline within automobile cabins

    International Nuclear Information System (INIS)

    Gasoline is emitted from automobiles as uncombusted fuel and via evaporation. Volatile organic compounds (VOC) from gasoline are at higher levels in roadway air than in the surrounding ambient atmosphere and penetrate into automobile cabins, thereby exposing commuters to higher levels than they would experience in other microenvironments. Measurements of VOC concentrations and carbon monoxide were made within automobiles during idling, while driving on a suburban route in New Jersey, and on a commute to New York City. Concentrations of VOC from gasoline were determined to be elevated above the ambient background levels in all microenvironments while VOC without a gasoline source were not. The variability of VOC concentrations with location within the automobile was determined to be smaller than inter-day variability during idling studies. VOC and carbon monoxide levels within the automobile cabin differed among the different routes examined. The levels were related to traffic density and were inversely related to driving speed and wind speed. Overall, daily VOC exposure for gasoline-derived compounds during winter commuting in New Jersey was estimated to range between 5 and 20% and constituted between 15 and 40% of an individual's daily exposure based on comparison to urban and suburban settings, respectively. VOC exposure during commuting in Southern California was estimated to range between 15 and 60%

  9. Development of automobile tyre lateral runout measurement sensor

    Science.gov (United States)

    Ma, Xie; Ye, Lingjian; Yao, Guanghui; Wang, Di; Zhi, Xiongfei

    2013-10-01

    Automobile tyre lateral runout is one of the important indexes to measure the quality of the tyre, it will affect the safety of the automobile in moving. This paper introduces a sensor for automobile tyre lateral runout measurement. The variation of the automobile tyre lateral runout causes the change of guide rod probe displacement and deforms of the cantilever beam which connects with the guide bar. The deformation of the cantilever beam leads to the change of the resistance value of strain gauge which is pasted on the cantilever beam. Through measuring circuit, the resistance value of the strain gauge is converted into output voltage that has a certain relationship with automobile tyre lateral runout. Then, the voltage signal is transformed by A/D convertor and send to SCM to process and display the value of runout. Meanwhile, SCM output control signal to control the actuator and adjust the equipment running status in real time so as to ensure the tyre lateral runout is within the allowed range.

  10. 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 &...

  11. 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.

  12. 49 CFR 536.9 - Use of credits with regard to the domestically manufactured passenger automobile minimum standard.

    Science.gov (United States)

    2010-10-01

    ... manufactured passenger automobile minimum standard. 536.9 Section 536.9 Transportation Other Regulations... domestically manufactured passenger automobile minimum standard. (a) Each manufacturer is responsible for..., the domestically manufactured passenger automobile compliance category credit excess or shortfall...

  13. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    Portfolio insurance, as practiced in 1987, consisted of trading between an underlying stock portfolio and cash, using option theory to place a floor on the value of the position, as if it included a protective put. Constant Proportion Portfolio Insurance (CPPI) is an option-free variation on the...... theme, originally proposed by Fischer Black. In CPPI, a financial institution guarantees a floor value for the “insured” portfolio and adjusts the stock/bond mix to produce a leveraged exposure to the risky assets, which depends on how far the portfolio value is above the floor. Plain-vanilla portfolio...... insurance largely died with the crash of 1987, but CPPI is still going strong. In the frictionless markets of finance theory, the issuer’s strategy to hedge its liability under the contract is clear, but in the real world with transactions costs and stochastic jump risk, the optimal strategy is less obvious...

  14. 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)

  15. Anti-Insurance: Analysing the Health Insurance System in Australia

    OpenAIRE

    Joshua S. Gans; Stephen P. King

    2003-01-01

    This paper develops a model to analyse the Australian health insurance system when individuals differ in their health risk and this risk is private information. The Australian system involves mixed public and private health insurance with private insurance both duplicating and supplementing public insurance. We show that, absent any other interventions, the Australian system implicitly transfers wealth from those most at risk of adverse health to those least at risk. When considered over soci...

  16. 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...

  17. Tools and Equipment Modeling for Automobile Interactive Assembling Operating Simulation

    International Nuclear Information System (INIS)

    Tools and equipment play an important role in the simulation of virtual assembly, especially in the assembly process simulation and plan. Because of variety in function and complexity in structure and manipulation, the simulation of tools and equipments remains to be a challenge for interactive assembly operation. Based on analysis of details and characteristics of interactive operations for automobile assembly, the functional requirement for tools and equipments of automobile assembly is given. Then, a unified modeling method for information expression and function realization of general tools and equipments is represented, and the handling methods of manual, semi-automatic, automatic tools and equipments are discussed. Finally, the application in assembly simulation of rear suspension and front suspension of Roewe 750 automobile is given. The result shows that the modeling and handling methods are applicable in the interactive simulation of various tools and equipments, and can also be used for supporting assembly process planning in virtual environment.

  18. Tools and Equipment Modeling for Automobile Interactive Assembling Operating Simulation

    Science.gov (United States)

    Wu, Dianliang; Zhu, Hongmin

    2010-05-01

    Tools and equipment play an important role in the simulation of virtual assembly, especially in the assembly process simulation and plan. Because of variety in function and complexity in structure and manipulation, the simulation of tools and equipments remains to be a challenge for interactive assembly operation. Based on analysis of details and characteristics of interactive operations for automobile assembly, the functional requirement for tools and equipments of automobile assembly is given. Then, a unified modeling method for information expression and function realization of general tools and equipments is represented, and the handling methods of manual, semi-automatic, automatic tools and equipments are discussed. Finally, the application in assembly simulation of rear suspension and front suspension of Roewe 750 automobile is given. The result shows that the modeling and handling methods are applicable in the interactive simulation of various tools and equipments, and can also be used for supporting assembly process planning in virtual environment.

  19. Nuclear insurance and indemnity

    International Nuclear Information System (INIS)

    A brief account is given of insurance protection in the nuclear industry, and the legislation involved. Aspects discussed are: third part liability and the role of government in setting the maximum amount of compensation; the development and concept of channelling the liability exclusively to the operator; the development of nuclear insurance facilities in Europe and the USA; and the emergence in Europe of international agreements on third party liability for protection of neighbouring countries in the event of a major accident. The development of liability law in the USA from the time of the Price Anderson Act of 1957 through subsequent legislation is described. (U.K.)

  20. American nuclear insurers

    International Nuclear Information System (INIS)

    Nuclear liability insurance covers liability for damages directly caused by the nuclear energy hazard. This coverage includes offsite bodily injury and property damage sustained by members of the general public, and bodily injury to onsite third party personnel. Recent nuclear liability claims allege bodily injury and property damage resulting from releases or radioactive materials to the environmental and occupational radiation worker exposures. Routine reactor operations involving radioactive waste have the potential to result in such claims. The nuclear insurance Pools believe that one way such claims can be minimized is through the implementation of an effective radioactive waste management program

  1. Self Insurance and Other Trends in Insurance Management.

    Science.gov (United States)

    Addicks, R. C., Jr.

    When determining a school system insurance program, the school board should first set a general insurance management policy statement for administrators to carry out. Next an overview of all the system operations must be made. The risks must then be quantified in terms of all potential financial loss. When designing an insurance program, the…

  2. Adhesion coefficient of automobile tire and road surface

    Institute of Scientific and Technical Information of China (English)

    刘长生

    2008-01-01

    The adhesion coefficient of automobile tire and road surface was analyzed and the formula about it was derived.Some suggestions about highway construction,driving safety of the drivers and the judgment of the traffic accidents were presented.The results show that the adhesion coefficient is a function with the extreme value.If there is atmospheric pressure in the tire,the load of the vehicle and the degree of the coarse on the road surface is not selected properly,it will reach the least and affect the safety of the running automobile.

  3. 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.

  4. Atmospheric pollution coming from automobiles and public health

    International Nuclear Information System (INIS)

    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.)

  5. Insurance, risk, and magical thinking.

    Science.gov (United States)

    Tykocinski, Orit E

    2008-10-01

    The possession of an insurance policy may not only affect the severity of a potential loss but also its perceived probability. Intuitively, people may feel that if they are insured nothing bad is likely to happen, but if they do not have insurance they are at greater peril. In Experiment 1, respondents who were reminded of their medical insurance felt they were less likely to suffer health problems in the future compared to people who were not reminded of their medical insurance. In Experiment 2a, participants who were unable to purchase travel insurance judged the probability of travel-related calamities higher compared to those who were insured. These results were replicated in Experiment 3a in a simulation of car accident insurance. The findings are explained in terms of intuitive magical thinking, specifically, the negative affective consequences of "tempting fate" and the sense of safety afforded by the notion of "being covered." PMID:18612038

  6. 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)

  7. 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.

  8. Insurance search and switching behavior

    OpenAIRE

    Bolhaar, J.A.; Klaauw, van der, B.; Lindeboom, M.

    2010-01-01

    This discussion paper resulted in a publication in 'De Economist' , 2015, 163, 25-60. This paper looks into the search behavior of consumers in the market for health insurance contracts. We consider the recent health insurance reform in The Netherlands, where a private-public mix of insurance provision was replaced by a system based on managed competition. Although all insurers offer the same basic package (determined by the government), there is substantial premium dispersion. We develop a s...

  9. Managing Risk With Revenue Insurance

    OpenAIRE

    Dismukes, Robert; Coble, Keith H.

    2006-01-01

    Crop revenue insurance offers farmers a way to manage revenue variability that results from yield and price risks. Commodity-level revenue insurance, particularly for corn, soybeans, and wheat, has become a major part of the subsidized Federal crop insurance program. Whole-farm revenue insurance, based on combined revenue from all commodities produced on a farm, is a more broad-based approach, but is difficult to administer.

  10. Why Firms Purchase Property Insurance?

    OpenAIRE

    Daniel Aunon-Nerin; Paul Ehling

    2007-01-01

    We investigate whether corporate finance incentives aect the extent of corporate hedging with property insurance. Using a database that contains detailed insurance information, we show that rms buy property insurance to reduce the expected costs of distress. Further, we document a scale effect: large rms purchase less insurance per unit of property. This is consistent with the notion that expected bankruptcy costs fall as firm size increases. We also show that the dividend payout ratio exerts...

  11. Employment Turnover and Unemployment Insurance

    OpenAIRE

    Hassler, John; Vicente Rodríguez Mora, José

    1997-01-01

    Two features distinguish European and US labour markets. First, most European countries have a considerably more generous unemployment insurance system. Second, the duration of unemployment and employment spells are substantially higher in Europe – employment turnover is lower. We show that self-insurance, i.e. saving and borrowing, is a good substitute for unemployment insurance when turnover is as high as in the United States. If the insurance system is less than perfectly actuarially fair,...

  12. Insurance revolution within British gas

    Energy Technology Data Exchange (ETDEWEB)

    Rooke, R.W.

    1976-07-01

    With the transformation of the British gas industry from a manufacturing to a distribution role, British Gas Corp. questioned the whole function of insurance within the industry and arrived at a new approach of extended self-insurance. The basic questions posed were whether British Gas really needed insurance protection, what size of loss it could absorb within its own financial resources, and what catastrophic losses might occur that should be covered by insurance. In the past, each area board determined its own insurance requirements and obtained the best coverage available for its needs. With the formation of British Gas, however, insurance was investigated on an industry-wide basis by an insurance committee in which each region was represented by its insurance officer. This enabled the industry to negotiate from a position of strength in what would be a bulk purchase and permit the most flexible coverage to be obtained at the most economic cost. The committee proposed a system that made the figure of $3.6 million (pounds 2 million) the main criterion for self-insurance; risks not considered as having a real potential for a loss exceeding this figure would be borne uninsured. Where such potential existed, only amounts above this figure would be insured. The actual program that was eventually adopted cancelled the employer's liability insurance, retained third-party insurance for claims over $3.6 million, retained full-coverage fire insurance, reduced engineering coverage to an inspection service only, retained motor and personal accident insurance for further consideration, and cancelled all other forms of insurance. To implement this program of greater self-insurance, British Gas strengthened the claims-handling expertise within the regions and has incorporated greater risk management techniques to reduce or eliminate risks with loss-making potential.

  13. Evaluating the Economic Impacts of Technological Innovation in the Automobile Industry: The Input-Output Approach

    OpenAIRE

    Shibusawa, Hiroyuki; Sugawara, Takafumi

    2011-01-01

    In this paper, the economic impacts of technological innovation, such as electric and hybrid vehicles, in the automobile industry in Japan are examined. The automobile industry has to develop environmentally friendly vehicles in the face of the global warming issue and the exhaustion problem of petroleum. The conventional automobiles with gasoline and diesel oil don’t meet the demands of present age. The new generation automobiles will become popular for coming several decades. The indust...

  14. Insurance - Piper Alpha ''et al''

    International Nuclear Information System (INIS)

    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)

  15. 46 CFR Sec. 13 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance... respect to awarded work. Said Article 9 requires that the Contractor shall maintain insurance to...

  16. Insurance: Pupils' Pamphlet. II C.

    Science.gov (United States)

    University of the South Pacific, Suva (Fiji).

    The document presents a study guide for students learning insurance protection and the various types of insurance businesses. The pupils' pamphlet is to be used in coordination with the teacher's guide. Case studies, worksheets, description of basic principles, and examples of policy forms are provided for the different types of insurance: (1)…

  17. Portfolio Selection and Insurance Period

    OpenAIRE

    Aoba, Nobuko

    2001-01-01

    This paper examines market risks, portfolio selection and period of insurance in a life insurance market. Date from many countries indicate that over ninety percent of bankruptcies of life insurers are due of failures in financial risk management. Financial risk management is therefore central. ...

  18. 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...

  19. Aviation and insurance

    Science.gov (United States)

    Mayo, R H

    1922-01-01

    This article considers some of the causes which hinder the development of aircraft insurance. Different risks are discussed as well as the causes of aircraft accidents. Pilot error, poor airdromes, weather conditions, poorly adapted airplanes, and engine failures are all examined and some conclusions are made.

  20. HOUSING INSURANCE IN ROMANIA

    Directory of Open Access Journals (Sweden)

    FLOREA IANC MARIA MIRABELA

    2014-12-01

    Full Text Available Last few years have shown that Romania is not protected from the consequences of climate change. It is clear that type flood events may cause social problems and losses is difficult financing from public resources, especially in the context of the existence of budget constraints. The only viable system to cope with such disasters is insurance system that has the ability to spread risks by reinsurance Natural disasters - earthquakes, floods, landslides - are just some of the risks that may threaten your home. And if natural disasters can seem distant danger, think as fires, floods caused by broken pipes or theft of household goods are trouble can happen anytime to anyone. To protect yourself in such unpleasant situations, whose frequency is unfortunately on the rise, it is necessary to be assured. Thus, you will be able to recover losses in the event that they occur. The house is undoubtedly one of the most important assets we own. Therefore, the Romans began to pay increasingly more attention to domestic insurance products. Since 2011, voluntary home insurance, life insurance with, were the most dynamic segments of the market.

  1. Insurance: Teacher's Guide. IIC.

    Science.gov (United States)

    University of the South Pacific, Suva (Fiji).

    The document presents a guide for teaching insurance protection based on the needs of students in the South Pacific. It is presented as a unit of study within the area of consumer education. Suggestions for unit objectives, student activities, time allocation, teaching methods, and reference materials are offered. A lesson plan is outlined based…

  2. Need Health Insurance?

    Centers for Disease Control (CDC) Podcasts

    2013-12-23

    Sign up for affordable health insurance with free preventive services available beginning October 1, 2013 through March 31, 2014.  Created: 12/23/2013 by Office of the Associate Director for Policy (OADP), Office of the Associate Director for Communication (OADC).   Date Released: 12/23/2013.

  3. 40 CFR 600.311-86 - Range of fuel economy for comparable automobiles.

    Science.gov (United States)

    2010-07-01

    ... automobiles. 600.311-86 Section 600.311-86 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY... Regulations for 1977 and Later Model Year Automobiles-Labeling § 600.311-86 Range of fuel economy for comparable automobiles. (a) The Administrator will determine the range of city and the range of highway...

  4. 76 FR 61779 - Agency Information Collection (Application for Automobile or Other Conveyance and Adaptive...

    Science.gov (United States)

    2011-10-05

    ... AFFAIRS Agency Information Collection (Application for Automobile or Other Conveyance and Adaptive... refer to ``OMB Control No. 2900-0067.'' SUPPLEMENTARY INFORMATION: Title: Application for Automobile or..., servicepersons and their survivors complete VA Form 21-4502 to apply for automobile or other conveyance...

  5. 26 CFR 48.4061(a)-5 - Sale of automobile truck bodies and chassis.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 16 2010-04-01 2010-04-01 true Sale of automobile truck bodies and chassis. 48..., Tread Rubber, and Taxable Fuel Automotive and Related Items § 48.4061(a)-5 Sale of automobile truck bodies and chassis. (a) Sale of completed vehicle. An automobile truck (as defined by §...

  6. 17 CFR 256.309 - Automobiles, other vehicles, and related garage equipment.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Automobiles, other vehicles... § 256.309 Automobiles, other vehicles, and related garage equipment. This account shall include the delivered cost of all service company owned automobiles, vans, trucks, and other vehicles used by...

  7. 41 CFR 102-34.45 - How are passenger automobiles classified?

    Science.gov (United States)

    2010-07-01

    ... automobiles classified? 102-34.45 Section 102-34.45 Public Contracts and Property Management Federal Property... MANAGEMENT Obtaining Fuel Efficient Motor Vehicles § 102-34.45 How are passenger automobiles classified? Passenger automobiles are classified in the following table: Sedan class Station wagon class...

  8. 41 CFR 109-38.104 - Fuel efficient passenger automobiles and light trucks.

    Science.gov (United States)

    2010-07-01

    ... automobiles and light trucks. 109-38.104 Section 109-38.104 Public Contracts and Property Management Federal... Vehicles § 109-38.104 Fuel efficient passenger automobiles and light trucks. (a) (b) All requests to purchase passenger automobiles larger than class IA, IB, or II (small, subcompact, or compact) shall...

  9. Development of amorphous wire type MI sensors for automobile use

    Science.gov (United States)

    Honkura, Yoshinobu

    2002-08-01

    Amorphous wire type MI sensors have a high sensitivity compared to thin film MI sensors, but there have been reliability problems in developing an amorphous wire type MI sensor for automobile application because of the wide range of operating temperatures. It was difficult to achieve sufficient soldering strength between the amorphous wire and the electrode of the MI chip. In addition, stress is induced in the amorphous wire during soldering thus lowering the temperature stability characteristics. Therefore, we developed a new method for soldering the amorphous wire and a new method for assembly of the MI chip. Together with the redesign of the electronic circuit, these developments have yielded an MI sensor suitable for automobile application. This MI sensor has a sensitivity of 250 mV/Oe, has stable temperature characteristics between -40°C and 85°C and easily passed the thermal shock test, the most stringent durability test for automobile electronic parts. Two different types of products are under development; one is a standard type whose output is linear to the external magnetic field, and the other is a switch type whose output is ON or OFF relative to a threshold magnetic field. Future applications include an ABS sensor, an electronic compass, an automatic tracking system for automobiles and so on.

  10. A Review of the Fatigue Analysis of an Automobile Frames

    Directory of Open Access Journals (Sweden)

    Jadav Chetan S., Panchal Khushbu C., Patel Fajalhusen*

    2012-12-01

    Full Text Available In this paper an effort is made to review theinvestigations that have been made on the differentfatigue analysis techniques of automobile frames. Anumber of analytical and experimental techniquesare available for the fatigue analysis of theautomobile frames. Determination of the differentanalysis around different condition in anautomobile frames has been reported in literature.

  11. The Japanese Automobile Worker: A Microcosm of Japan's Success.

    Science.gov (United States)

    Kaderabeck, Elizabeth A.

    A teaching unit on the Japanese automobile worker was developed from a compilation of on-site interviews with Japanese company managers and production line employees, and official publications of the Japanese car industry. The unit is designed to present a balanced picture of Japan's economic success and labor relations and to develop global…

  12. ASE Program Certification Standards for Automobile Technician Training Programs.

    Science.gov (United States)

    National Automotive Technicians Education Foundation, Herndon, VA.

    This document presents and explains the development and application of the National Institute for Automotive Service Excellence (ASE) program certification standards that were developed to improve the quality of secondary- and postsecondary-level automobile technician training by implementing a certification program that certifies programs in…

  13. Hysteretic Current Controlled Zvs Dc/Dc Converter For Automobile

    DEFF Research Database (Denmark)

    Cernat, M.; Scortarul, P.; Tanase, A.;

    2007-01-01

    A novel bi-directional dc-dc converter with ZVS and interleaving for dual voltage systems in automobiles is presented. A variable frequency extended band hysteretic current control method is proposed. In comparison with classical fixed frequency current control PWM, the reverse polarity peak...

  14. 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,…

  15. Development of amorphous wire type MI sensors for automobile use

    International Nuclear Information System (INIS)

    Amorphous wire type MI sensors have a high sensitivity compared to thin film MI sensors, but there have been reliability problems in developing an amorphous wire type MI sensor for automobile application because of the wide range of operating temperatures. It was difficult to achieve sufficient soldering strength between the amorphous wire and the electrode of the MI chip. In addition, stress is induced in the amorphous wire during soldering thus lowering the temperature stability characteristics. Therefore, we developed a new method for soldering the amorphous wire and a new method for assembly of the MI chip. Together with the redesign of the electronic circuit, these developments have yielded an MI sensor suitable for automobile application. This MI sensor has a sensitivity of 250 mV/Oe, has stable temperature characteristics between -40 deg. C and 85 deg. C and easily passed the thermal shock test, the most stringent durability test for automobile electronic parts. Two different types of products are under development; one is a standard type whose output is linear to the external magnetic field, and the other is a switch type whose output is ON or OFF relative to a threshold magnetic field. Future applications include an ABS sensor, an electronic compass, an automatic tracking system for automobiles and so on

  16. Making cars smarter: The growing role of electronics in automobiles

    OpenAIRE

    Thomas H. Klier; James M. Rubenstein

    2011-01-01

    Electronics make up nearly 40% of the content of today’s average new automobile, and their share will continue to grow. On June 2, 2011, as part of the eighteenth annual Automotive Outlook Symposium (AOS), the Chicago Fed hosted a panel of experts at its Detroit Branch to examine the current and future roles of electronics in motor vehicles.

  17. BEGA-a biaxial excitation Generator for automobiles

    DEFF Research Database (Denmark)

    Scridon, S.; Boldea, Ion; Tutelea, L.;

    2005-01-01

    This paper presents the design and test results for a biaxial excitation generator/motor for automobiles (BEGA), which has a three-phase stator and a salient-pole excited heteropolar rotor with multiple flux barriers filled with low-cost permanent magnets (PMs). For this new generator, the low-vo...

  18. Classification of Surface Quality of Automobile Lamp—Reflector

    Institute of Scientific and Technical Information of China (English)

    袁旭军; 贺莉清; 等

    2002-01-01

    This paper introduces an installation for quickly classifying automobile's metal reflectors based on their roughness.The measuring principle and the mechanical structure are presented.Schematics of circuits and experimental results are given.Elimination and reduction of the effect of background lights or different bulbs on the measuring results are also described in detail.

  19. 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

  20. 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.

  1. Competence: sciences, clean engines: the automobile safety; Competences: sciences, moteurs propres: le salut de l'automobile

    Energy Technology Data Exchange (ETDEWEB)

    Quiret, M.

    2004-05-01

    In the framework of the greenhouse gases emission reduction in the automobile sector, this paper presents the possible technological innovations for the engines: an optimization prior to the combustion hopeful the electronic of the injections, the consumption decrease and the electromagnetic valves. (A.L.B.)

  2. Financing and insurance problems

    International Nuclear Information System (INIS)

    The author analyses the papers presented at the Paris Conference on the maturity of nuclear energy. It is evident that financing possibilities will be a determinant factor in the rate of development of nuclear power during the years to come. After having evaluated the capital requirements necessitated for the development of nuclear programmes, the parties intervening have examined the means at the disposal of electricity manufacturers to meet these needs (self-financing, recourse to external financing, regrouping, on an international scale of the electricity manufacturers of the setting up of high capacity plants). As concerns the insurance problems, they are becoming more and more involved as nuclear applications, are further diversified and intensified. The parties intervening have discussed new tarification techniques likely to be applied and pointed out the possibilities offered by regrouping or pooling of insurers (Market Pool) which allow for a maximum of risks to be covered without exceeding the means proper to each company concerned

  3. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    is an inferior good (Mossin, 1968). The behaviour reported by subjects in our study suggests that insurance is a normal good, while their verbal reports reveal desires to balance two conflicting goals in deductible decisions, keeping premiums “affordable” and keeping deductibles “affordable,” which suggests...... a cognitive model based on budgeting. Our findings emphasize the importance of budget constraints, which lead consumers to budget their income across consumption categories. We find also that a simple heuristic accounts for many collision coverage decisions: purchase coverage for cars worth more than some......Using interviews with 74 drivers, we elicit and analyse how people think about collision coverage and, more generally, about insurance decisions. We compare the judgments and behaviours of these decision makers to the predictions of a range of theoretical models: (a) A model developed by Lee (2007...

  4. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    It examines the technical, scientific and legal issues relating to the peaceful use of atomic energy in Turkey. The first fifteen chapters give a general overview of the atom and radioactivity; the chapters which follow this section are more technical and deal with the causes of nuclear accidents in reactors.A number of chapters cover legal issues, for example the conditions and procedures involved in the insurance market and the risks linked to operation of a nuclear power plant.The following subjects are examined in relation to nuclear insurance: risks during construction; fire during operation of the plants and other causes of accidents; risks due to the transport of radioactive materials and waste etc. The final chapters reproduce the principle legislative texts in force in Turkey in the field of nuclear energy, and also certain regulations which establish competent regulatory bodies

  5. Risk management and insurance

    OpenAIRE

    Kenneth A. Froot

    2012-01-01

    Ulm University is regarded as a pioneer in the establishment of Quantitative Economics. In 1977, it was Ulm that first introduced Mathematics and Management as a course of studies, which to this day still enjoys a great demand, and which has led to the establishment of similar study programs in other locations. This study course forms the basis for the successful research area of risk management and insurances established at the Ulm University.

  6. Life insurance mathematics

    CERN Document Server

    Gerber, Hans U

    1997-01-01

    This concise introduction to life contingencies, the theory behind the actuarial work around life insurance and pension funds, will appeal to the reader who likes applied mathematics. In addition to model of life contingencies, the theory of compound interest is explained and it is shown how mortality and other rates can be estimated from observations. The probabilistic model is used consistently throughout the book. Numerous exercises (with answers and solutions) have been added, and for this third edition several misprints have been corrected.

  7. Insurance contracts on tourism

    OpenAIRE

    Krasniqi, Armand

    2010-01-01

    The business life in the modern world is developed upon the logia of the domination of the rules and within them an important role play those that are related to implementation of the standards that are connected with he security and insurances. Due to the need for an economic transformation it resulted with the creating of a new set of new contracts which commencing from several general principles of the obligatory law, that regulate the situation which were not established insofar, which in...

  8. Unions and Wage Insurance

    OpenAIRE

    Burda, Michael C

    1995-01-01

    Existing theories of unions emphasize their impact on wage levels relative to the opportunity cost of leisure. This paper explores tha possibility that monopoly unions provide income insurance against idiosyncratic wage variability. An optimal union contract is characterized by real wage and other types of flexibility only in response to systematic changes in underlying uncertainty. Under such conditions, there is no presumption that the "union wage premium" relative to the free market wage i...

  9. Insurance in Tourism Industry

    OpenAIRE

    Taleski, Petar; Taskov, Nako

    2011-01-01

    The issue of cost and availability of insurance, particularly for tourism operators, has become a common issue for the tourism industry across European Union. It has been particularly problematic in those jurisdictions that have a high number of adventure and eco-tourism operators. The main challenge appears to be in relation to securing commercial general liability coverage and/or obtaining such coverage on a cost effective basis. One of the problems is that the tourism industry does not ...

  10. Hopes in the Crisis——Chinese Automobile Market in the World Auto manufacturing Industry Shuffle

    Institute of Scientific and Technical Information of China (English)

    Gao Shurong

    2009-01-01

    @@ Global automobile markets shuffle against the economic crisis The economic crisis spread rapidly around the world,making automobile industry one of the victims who are shocked hardest,leading to an industrial shuffle in global automobile industry.USA,EU and Japan,the traditional top three leading countries in global automobile industry,could not have their lucks to escape from the crisis.The weak global automobile market forces these transnational auto companies to be more cautious about the future than ever.As reflected in the latest performance reports,though governments took measures to maintain the market,the sharp decline in global automobile sales volume continued in the first quarter.Automobile market bottomed out in the second quarter.US auto industrywas affected the most,with two out of the top three manufacturers getting bankrupt and regrouped.

  11. 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...... 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....

  12. Limited Deposit Insurance Coverage and Bank Competition

    OpenAIRE

    Shy, Oz; Stenbacka, Rune; Yankov, Vladimir

    2014-01-01

    Deposit insurance designs in many countries place a limit on the coverage of deposits in each bank. However, no limits are placed on the number of accounts held with different banks. Therefore, under limited deposit insurance, some consumers open accounts with different banks to achieve higher or full deposit insurance coverage. We compare three regimes of deposit insurance: No deposit insurance, unlimited deposit insurance, and limited deposit insurance. We show that limited deposit insuranc...

  13. Claims expenses and insurance capacity in third party liability insurance

    International Nuclear Information System (INIS)

    The Chernobyl accident reminded insurers that the potential expenses connected with the handling and settlement of claims following a major nuclear accident can be very significant. These are a direct consequence of the accident and funds must be available to pay for these costs as well as for indemnities to victims. Claims expenses at present have to be borne by the insurers in addition to the sums insured for the compensation of third parties. If governments intend to increase the statutory amounts of liability, this would reduce the insurers' ability to make the maximum possible capacity available for indemnities to victims. Therefore, before increasing further the statutory limits of liability, governments should - in revising the Paris Convention - consider allowing insurers to include claims handling expenses in their total sums insured

  14. Insurance of nuclear power stations

    International Nuclear Information System (INIS)

    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)

  15. Optimal Taxation and Social Insurance with Endogenous Private Insurance

    OpenAIRE

    Chetty, Nadarajan; Saez, Emmanuel

    2008-01-01

    We characterize welfare gains from government intervention when the private sector provides partial insurance. We analyze models in which adverse selection, pre-existing information, or imperfect optimization create a role for government intervention. We derive formulas that map existing empirical estimates into quantitative predictions for optimal policy. When private insurance generates moral hazard, standard formulas for optimal government insurance must be modified to account for fiscal e...

  16. Claims prevention within home insurance : Insights from insurance customers

    OpenAIRE

    Skorna, Alexander C.H.; Paefgen, Johannes; von Watzdorf, Stephan

    2011-01-01

    The recent economic crisis has speeded up the concentration process within the European insurance sector. However, nowadays customers are more price sensitive, which increases pressure for the whole industry and in consequence leads to further premium erosions. Thus, some insurers are seeking new ways to differentiate their portfolio by offering innovative insurance products combined with prevention activities to compete with a high value-added service strategy. The objective of this research...

  17. Types and classes of insurance

    International Nuclear Information System (INIS)

    The German insurance pool for nuclear risks, the Deutsche Kernreaktor-Versicherungsgemeinschaft (DKVG), currently counts 105 members. In 1987, insurance protection provided for German nuclear power plants amounted to DM 1.5 thousand millions from property insurance, and DM 200 millions from nuclear liability insurance. The major part of financial security comes from the pool members, but some security also is provided by foreign nuclear insurance pools. In return, the DKVG signed a number of insurance policies as a reinsurance for nuclear installations abroad. The statistical survey presents facts and data for 1986 and 1987, and a brief review of 1986 events. The Chernobyl reactor accident did not affect the DKVG financially, as the Soviet nuclear industry does not co-operate in the international system of reinsurance. (orig./HSCH)

  18. 76 FR 45281 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2011-07-28

    ... private insurance companies (Companies) and to make available to the Companies the terms for subscription... private insurance companies participating under the current FY2011 Arrangement. Any private insurance... SECURITY Federal Emergency Management Agency National Flood Insurance Program (NFIP); Assistance to...

  19. LONGEVITY INSURANCE: A MISSING MARKET

    OpenAIRE

    ADAM CREIGHTON; HENRY HONGBO JIN; JOHN PIGGOTT; Emiliano A. Valdez

    2005-01-01

    More than half of the world's old live in Asia, and around 35% in India and China alone. As demographic transition proceeds regionally and globally, the development of a robust and reliable longevity insurance market will become essential. Although the need for such insurance is most pressing in Asia, longevity risk is poorly managed practically everywhere. This paper reviews theory and practice relating to longevity risk and insurance, amid a rapidly changing demographic and policy landscape...

  20. Managing Risk with Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

    Every year Iowa farmers face the threat of damage to their crops from drought, hail, flood, insects, and other natural disasters. The U.S.D.A. Risk Management Agency (RMA) and private crop insurance venders have developed a set of insurance programs to help control crop production risks at a reasonable cost. Crop insurance coverage is not mandatory, but it does provide a financial safety net in case of severe production losses.

  1. Should Governments Provide Catastrophe Insurance?

    OpenAIRE

    Jaffee, Dwight; Russell, Thomas

    2005-01-01

    Hurricane Katrina and the terrorist attacks of 9/11 2001 have focused attention on the appropriate role of government in providing insurance against catastrophes. This paper argues that wherever possible governments should follow policies which enable the continuation of a private insurance market. In the event that government must itself provide catastrophe insurance it should follow the same actuarially based pricing and reserving rules that would be followed by a competitive private market.

  2. Insurance for autonomous underwater vehicles

    OpenAIRE

    Griffiths, G; N Bose; Ferguson, J.; Blidberg, D.R.

    2007-01-01

    The background and practice of insurance for autonomous underwater vehicles (AUVs) are examined. Key topics include: relationships between clients, brokers and underwriters; contract wording to provide appropriate coverage; and actions to take when an incident occurs. Factors that affect cost of insurance are discussed, including level of autonomy, team experience and operating environment. Four case studies from industry and academia illustrate how AUV insurance has worked in practice. The p...

  3. Design of MEMS accelerometer based acceleration measurement system for automobiles

    Science.gov (United States)

    Venkatesh, K. Arun; Mathivanan, N.

    2012-10-01

    Design of an acceleration measurement system using a MEMS accelerometer to measure acceleration of automobiles in all the three axes is presented. Electronic stability control and anti-lock breaking systems in automobiles use the acceleration measurements to offer safety in driving. The system uses an ARM microcontroller to quantize the outputs of accelerometer and save the measurement data on a microSD card. A LabVIEW program has been developed to analyze the longitudinal acceleration measurement data and test the measurement system. Random noises generated and added with measurement data during measurement are filtered by a Kalman filter implemented in LabVIEW. Longitudinal velocity of the vehicle is computed from the measurement data and displayed on a graphical chart. Typical measurement of velocity of a vehicle at different accelerations and decelerations is presented.

  4. The Inherited Traditional Culture of Automobile Molding DNA Design Research

    Directory of Open Access Journals (Sweden)

    Song Qiang

    2013-01-01

    Full Text Available Design of automobile modeling DNA is the core that makes enterprises establish a good and unique brand image to win on market. This paper described the definition and meaning of production DNA, also discussed the composition of production DNA and researched the design ideas of production DNA from both macro and micro aspects. Finally, it recommended would research the traditional culture into the past, present and future of three periods, explored the idea of traditional culture that the automobile modeling DNA inherited under these three periods and analyzed with the red flag car as an example. This research provided a guideline to help automotive corporations to implement brand strategies, and helped to design autos with Chinese elements, sense of the times and fashion trends and can perform the modern mental outlook of Chinese people.

  5. AN FE ANALYSIS OF REINFORCED SUBGRADE UNDER AUTOMOBILE LOADING

    Institute of Scientific and Technical Information of China (English)

    YAN Shuwang; ZHANG Xinqiang; LIU Run

    2004-01-01

    An FE analysis procedure was presented to predict the behavior of soil-geogrid interaction under automobile loading. The dynamic interactions between the transverse bars, the longitudinal ribs and the soil were simulated by a system consisting of nonlinear springs, dashpots and masses, to study the deformation properties of the reinforced soil. The equivalent stiffness and damping ratios could be determined with the shaking table. The dynamic responses of a reinforced subgrade were analyzed with the 3D finite element approach. This approach is programmed and applied to analyze the soil-geogrid interaction under dynamic loading. The comparative analysis of the response of the reinforced subgrade and that of the subgrade without reinforcement shows that the geogrid placed at the bottom of the base layer may effectively reduce the accumulative plastic deformation due to the cyclic automobile loading.

  6. 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.

  7. Study on the Fuzzy COntrol Strategy of Automobile with CVT

    Institute of Scientific and Technical Information of China (English)

    HuJianjun; QINDatong; 等

    2002-01-01

    In order to study the dynamic characteristics of automobile with a CVT system, a bond graph analysis model of continuously variable transmission is established.On the base of the simulation state space equations that are established with bond graph theory,a fuzzy control strategy with an expert system of starting process has been introduced.Considering uncertain system parameters and exterior resistance disturbing,the effect of the profile of membership function and the defuzzification algorthm on the capacity of the fuzzy controller has been studied.The result of simulation proves that the proposed fuzzy controller is effective and feasible,Such controller has been employed in the actual control and has proved practicable.The study lays a foundation for design of the fuzzy controller for automobile with a CVT system.

  8. Automobile ride quality experiments correlated to iso-weighted criteria

    Science.gov (United States)

    Healey, A. J.; Young, R. K.; Smith, C. C.

    1975-01-01

    As part of an overall study to evaluate the usefulness of ride quality criteria for the design of improved ground transportation systems an experiment was conducted involving subjective and objective measurement of ride vibrations found in an automobile riding over roadways of various roughness. Correlation of the results led to some very significant relationships between passenger rating and ride accelerations. The latter were collapsed using a frequency-weighted root mean square measure of the random vibration. The results suggest the form of a design criterion giving the relationship between ride vibration and acceptable automobile ride quality. Further the ride criterion is expressed in terms that relate to rides with which most people are familiar. The design of the experiment, the ride vibration data acquisition, the concept of frequency weighting and the correlations found between subjective and objective measurements are presented.

  9. Reforming deposit insurance and FDICIA

    OpenAIRE

    Robert A. Eisenbeis; Larry D. Wall

    2002-01-01

    Current discussions about deposit insurance reform center on issues such as the size of insurance premiums, the size of the fund, and the size of the coverage limits-all issues that reflect a concern with how to allocate the losses arising from bank failures. The authors of this article argue that such issues, while important, do not affect the performance of the deposit insurance system nor should they be the focus of deposit insurance reform. They suggest that reform efforts should be direc...

  10. 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. PMID:23206642

  11. Insurability of export credit risks

    OpenAIRE

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms can insure such risks. To some extent, such export credit risks can be insured on the private market. There are private insurance companies that insure short-term risks. On the Dutch market, Gerlin...

  12. Design of a TFT-LCD Based Digital Automobile Instrument

    OpenAIRE

    Yunsong Xu; Shen Yin; Jinyong Yu; Hamid Reza Karimi

    2014-01-01

    The traditional mechanical instrument lacks the ability to satisfy the market with characters of favorable compatibility, easy upgrading, and fashion. Thus the design of a TFT-LCD (thin film transistor-liquid crystal display) based automobile instrument is carried out. With a 7-inch TFT-LCD and the 32-bit microcontroller MB91F599, the instrument could process various information generated by other electronic control units (ECUs) of a vehicle and display valuable driving parameters on the 7-in...

  13. A New Method for Estimation of Automobile Fuel Adulteration

    OpenAIRE

    Gupta, Anil; Sharma, R. K.

    2010-01-01

    The problem of increasing urban air pollution due to fast increasing number of auto mobiles and adulteration of automobile fuel has been pointed out in the context of developing countries. For prevention of the adulteration, the monitoring of fuel quality at the distribution point is essential. For the detection/estimation of the commonly used adulterants (i.e. diesel in petrol and kerosene in diesel), a number of possible methods have been reviewed. As such there is no standard method/equipm...

  14. Digital Laser Welding System for Automobile Side Panel

    OpenAIRE

    Park, Hong-Seok; Choi, Hung-Won

    2010-01-01

    The laser as economical and flexible tool has established a solid ground in industrial manufacturing area. Specially at welding BIW (Body In White) in automobile industry, the importance of it has been increased due to the technological characteristics such as high process speed, slim seam and good capability of automation and so on. For application of laser welding technique, welding principle and influential factors were investigated based on the analysis of laser welding processes. With th...

  15. A Flowchart Approach to Malaysia's Automobile Industry Cluster Policy

    OpenAIRE

    Kuchiki, Akifumi

    2007-01-01

    In this paper, we apply a flowchart approach to investigate Malaysia's automobile cluster policy. We investigate whether the industrial cluster policy has been successful or not, suggest policy prescriptions, and propose a way to prioritize policy measures. Our flowchart approach leads to the following three policy prescriptions: (1) Malaysian firms should establish sites for exporting compact cars with automatic transmissions; (2) actors in the public, semi-public and private sector should w...

  16. Life Cycle Assessment Practices: Benchmarking Selected European Automobile Manufacturers

    OpenAIRE

    Chanaron, Jean-Jacques

    2007-01-01

    With the rise of environmental concerns in the general public, re-appropriated by influential politicians, Life Cycle Assessment (LCA) has become a widely used set of tools for the management of all impacts on environment by industrial products. LCA is carried out at the very early stages of product research, development and design. This is particularly true in the automobile industry where vehicle manufacturers Original Equipment Manufacturers (OEMs) are launching several new or re-vamped mo...

  17. Automobile Fuel Economy Standards: Impacts, Efficiency, and Alternatives

    OpenAIRE

    Anderson, Soren; Parry, Ian; James M. Sallee; FISCHER, Carolyn

    2010-01-01

    This paper discusses fuel economy regulations in the United States and other countries. We first describe how these programs affect the automobile market, including their impacts on fuel use and other dimensions of the vehicle fleet. We then review different methodologies for assessing the costs of fuel economy regulations and discuss what the results of these methodologies imply for policy. Following that, we compare the welfare effects of fuel economy regulations to those of fuel taxes and ...

  18. STRATEGIC ENTREPRENEURSHIP: A CASE IN THE BRAZILIAN AUTOMOBILE INDUSTRY

    OpenAIRE

    Afonso Carneiro Lima; Edison Fernandes Polo; Fátima Regina Ney Matos

    2010-01-01

    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...

  19. "Uniqueness seeking and demand estimation in the German automobile industry"

    OpenAIRE

    Guerzoni, Marco; Soellner, René

    2009-01-01

    This paper empirically analyzes the determinants of demand in the German automobile industry. Our primary goal is to refine the existing literature on that topic by exploring the impact of uniqueness seeking behaviour of individuals on the demand schedule. Using a dataset on the segment of compact cars in the German market, we show that consumers have an intrinsic need for uniqueness seeking, and the degree a product satisfies this need is to be considered as an additional product characteris...

  20. Translation of Automobile Brands from the Perspective of Skopos Theory

    Institute of Scientific and Technical Information of China (English)

    刘竹林; 王俊

    2013-01-01

    With the steady growth of the Chinese economy, more and more countries are focusing on China. A great number of brands are entering the Chinese market and auto brand is one of them. Brand translation plays an important role for success of opening international market. This paper applies the Skopos theory to automobile brand translation, so as to provide a new angle to translation practice.

  1. Teamwork in the Automobile Industry - an Anglo-German Comparison

    OpenAIRE

    Niels-Erik Wergin

    2004-01-01

    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...

  2. Promoting automobile safety belt use by young children.

    OpenAIRE

    Sowers-Hoag, K M; Thyer, B A; Bailey, J S

    1987-01-01

    A program using behavioral practice, assertiveness training, and social and contrived reinforcers was developed to establish and maintain automobile safety belt use by young children. Sixteen children (ages 4.8 to 7 years) who never used their safety belts during a 5-day preexperimental observation period were randomly assigned to two groups of eight each. A multiple baseline design across groups was used to evaluate the effectiveness of the training program. During the 8-day baseline period ...

  3. 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...

  4. Market Analysis of RFID Systems in Indian Automobile Industry

    OpenAIRE

    Mariappan, Ramachandran

    2010-01-01

    RFID is an emerging hot technology in tracking and tracing physical objects. The market for RFID ranges from technological artefacts like tags and reader infrastructure to software solutions and supply chain services. One of the key business sectors that have seen the initial benefits of RFID applications is the Automobile sector through improvements in local processes related to better production control and increased handling efficiency. In recent years, there has been a palpable shift in t...

  5. DAARIA: Driver Assistance by Augmented Reality for Intelligent Automobile

    OpenAIRE

    George, Paul; Thouvenin, Indira; Fremont, Vincent; Cherfaoui, Véronique

    2012-01-01

    International audience Taking into account the drivers' state is a major challenge for designing new advanced driver assistance systems. In this paper we present a driver assistance system strongly coupled to the user. DAARIA 1 stands for Driver Assistance by Augmented Reality for Intelligent Automobile. It is an augmented reality interface powered by several sensors. The detection has two goals: one is the position of obstacles and the quantification of the danger represented by them. The...

  6. Hybrid GPS-GSM Localization of Automobile Tracking System

    OpenAIRE

    Mohammad A. Al-Khedher

    2012-01-01

    An integrated GPS-GSM system is proposed to track vehicles using Google Earth application. The remote module has a GPS mounted on the moving vehicle to identify its current position, and to be transferred by GSM with other parameters acquired by the automobile's data port as an SMS to a recipient station. The received GPS coordinates are filtered using a Kalman filter to enhance the accuracy of measured position. After data processing, Google Earth application is used to view the current loca...

  7. Comparative Frictional Analysis of Automobile Drum and Disc Brakes

    OpenAIRE

    H.P. Khairnar; V.M. Phalle; S. S. Mantha

    2016-01-01

    In the present work, a comparative frictional behaviour of drum brakes and disc brakes in automobiles has been investigated. The influential factors; contact force and friction radius were modeled for the estimation of the friction coefficient for drum as well as disc brakes. The effect of contact force and friction radius is studied with varying conditions of parameters; longitudinal force, caliper force and torque on piston side as well as non-piston side. The numerical results obtained hav...

  8. KEY FACTORS INFLUENCING PURCHASE INTENTIONS TOWARDS AUTOMOBILES IN PAKISTAN

    OpenAIRE

    SYED NAVEED ALTAF; NOOR AZMI HASHIM

    2016-01-01

    In this paper the authors identify and investigate the key factors which influence intentions to purchase passenger cars among consumers in Pakistan. A questionnaire was developed to check the significance of these key variables identified from previous studies, especially those conducted in the context of automobile purchasing in Asian countries. Faculty members from universities of two major cities in Pakistan were selected at random as respondents for this study. The findings of the study ...

  9. Determinants of Expenditure in Automobile Maintenance: Some Evidence from Greece

    OpenAIRE

    Bitros, George C.

    2004-01-01

    This paper derives a model of maintenance expenditures from an analytical framework in which maintenance, utilization and service life are appropriately integrated and estimates it with the help of automobile data from Greece. On the theoretical plain it is shown that the model allows endogenously for most of the variables that have been identified in the relevant literature as important determinants of maintenance expenditures. Also the model yields sharp sign predictions for the included va...

  10. 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.

  11. 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.

  12. 77 FR 11191 - Insurance Cost Information Regulation

    Science.gov (United States)

    2012-02-24

    ..., 58 FR 12545, NHTSA amended 49 CFR part 582, Insurance Cost Information Regulation, to require all... National Highway Traffic Safety Administration Insurance Cost Information Regulation AGENCY: National... insurance cost information booklet that all car dealers must make available to prospective...

  13. 78 FR 71726 - Comment Request; Insurance Survey

    Science.gov (United States)

    2013-11-29

    ... AFFAIRS Comment Request; Insurance Survey AGENCY: Veterans Benefits Administration, Department of Veterans... this notice. This notice solicits comments on information needed to determine how well the Insurance... use of other forms of information technology. Title: Insurance Survey. OMB Control Number:...

  14. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    OpenAIRE

    N. Prikazyuk; Motashko, T.

    2014-01-01

    The role of the Internet in the implementation of insurance products is investigated. It is founded the Internet in insurance performs presentable and realizable function. The benefits of using Internet technologies for business of insurance market are determined.

  15. Energy and economic evaluation of policies for accelerated investment in efficient automobiles. [Jack Faucett Automobile Sector Forecasting Model

    Energy Technology Data Exchange (ETDEWEB)

    Brooks, Walter; Carhart, Steven C.; McGranahan, Gordon; Mulherkar, Shirish S.

    1978-08-01

    This report examines the effect of an energy-conservation policy that imposes excise taxes on cars having low fuel efficiency, coupled with a rebate on cars having high fuel efficiency. Two oil price cases are considered. The Jack Faucett Automobile Sector Forecasting Model is used to measure direct effects. The Brookhaven National Laboratory-University of Illinois Input-Output/Linear Programming model is used for economy-wide effects and impact on employment.

  16. The insurance perspective

    Energy Technology Data Exchange (ETDEWEB)

    Young, J.A.

    1994-12-31

    There is a need for every environmental remediation contractor as well as any contractor with potential environmentally damaging operations to carry pollution liability insurance protection. No matter how experienced and safety conscious a contractor may be, equipment failures, human error or simply the inability to be 100% certain about all site conditions may result in an unexpected loss. The financial impact of a loss such as this may have very serious immediate effects on the contractors income and ability to stay in business. A million dollar loss would effectively put a small to medium sized contractor out of business while a larger concern would certainly feel the effects in terms of cash flow, the ability to retain key personnel and in the attraction new clients. Additionally, the contractor, small or large, is thrust into a situation involving environmental litigation and claims handling, two areas in which he most likely has no experience or expertise. This presentation will address the role that pollution liability insurance plays in assuring the proper completion of a remediation project without these negative effects, especially when the project goes awry.

  17. Health Care Incentives under Disability Insurance

    OpenAIRE

    Frederic P. Slade

    1981-01-01

    This paper examines one of the possible factors which has contributed to the significant recent growth in the Social Security Administration's Disability Insurance program: that of health care incentives under the program. The examination of health care incentives involves a 2-period, 2-state insurance model under uncertainty which incorporates two general types of insurance. One form of insurance is disability insurance, and the other is the individual; "own" insurance or own risk bearing --...

  18. "National Adversity: Managing Insurance and Protection"

    OpenAIRE

    Toshihiro Ihori; Martin McGuireb

    2008-01-01

    This paper concerns self-insurance and self-protection that countries may implement at a national level in pursuit of their security. The distinctions self-insurance, self-protection, and market insurance were first made by Ehrlich and Becker (1972). Nevertheless, extension of their models to international security where market insurance for entire countries is usually unavailable is surprisingly sparse. We show that, in the absence of market insurance, self-insurance alone raises important n...

  19. CONSIDERATIONS REGARDING EU LIFE INSURANCE MARKET

    OpenAIRE

    Ana Preda

    2012-01-01

    The main feature characterizing the development of the insurance system is globalization of world insurance market through a process of gradual liquidation of economic and legislative barriers between states. European insurance market analysis will be made through gross written premiums, insurance density and penetration, comparing European insurance market with the major regions markets of the world. The effects of financial crisis on the life insurance market of EU countries, and the place ...

  20. 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)

    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

  1. Business Cycle Dependent Unemployment Insurance

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Svarer, Michael

    The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive...

  2. Income insurance in European agriculture

    NARCIS (Netherlands)

    Meuwissen, M.P.M.; Huirne, R.B.M.; Skees, J.R.

    2003-01-01

    The agricultural risk environment in Europe is changing, for example because of WTO agreements and governments increasingly withdrawing from disaster assistance in case of catastrophic events. In this context, some form of income insurance may be a useful risk management tool for farmers. Insuring f

  3. The Dutch health insurance reform.

    NARCIS (Netherlands)

    Groenewegen, P.; Zee, J. van der

    2006-01-01

    On 1 January 2006 a number of far-reaching changes in Dutch health insurance came into effect. A standard package was introduced, compulsory for everyone. Price competition between insurers and health care providers, as well as freedom of choice for consumers were introduced or extended. The aim of

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

    International Nuclear Information System (INIS)

    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

  5. 41 CFR 301-10.310 - What will I be reimbursed if I am authorized to use a Government automobile and I use a privately...

    Science.gov (United States)

    2010-07-01

    ... reimbursed if I am authorized to use a Government automobile and I use a privately owned automobile instead... automobile and I use a privately owned automobile instead? (a) Reimbursement based on Government costs—Unless you are committed to using a Government automobile as provided in paragraph (b) of this section,...

  6. "Electronic Procurement networks and Parts Transaction Systems: A Case of the Automobile Industry"(in Japanese)

    OpenAIRE

    Je-Wheon Oh; Takahiro Fujimoto

    2001-01-01

    Inter-firm information systems in the automobile industry have evolved from firm-specific networks to industrial standard networks and further to internet. This paper examines how electronic parts procurement systems in the automobile industry affected its patterns of inter-firm transactions through empirical studies on information networks, transaction systems, and architectural characteristics of automobile parts. We argue that choice of a certain parts transaction system tends to affect ch...

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

    OpenAIRE

    2001-01-01

    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 the automobile in response to reduction of exhaust emissions and energy-efficiency improvement are analyzed. It is argued that consideration of externality costs shoul...

  8. The influence of globalisation on automobile manufacturers in South Africa / Kalanther Ishaq

    OpenAIRE

    Ishaq, Kanther

    2003-01-01

    The South African automobile manufacturing industry has grown since 1920 from an import and assembly industry to an import-substitute industry. From the inception, the automobile manufacturing industry developed under the careful monitoring of the Government to obtain the objectives of the economy of the country. Until 1960, all automobile manufacturers imported completely knocked down sets from abroad to assemble vehicles. These excessive imports drained the South African fore...

  9. The Relationship Between Cash Flow And Capital Expenditure: Evidence From German Automobile Sector

    OpenAIRE

    Saffarizadeh, Navid

    2014-01-01

    ABSTRACT: The present study investigates the long run equilibrium relationship between cash flow and capital expenditure in German automobile sector as one of the leaders of the automobile industry in the world. Johansen co-integration test confirmed the relationship between cash flow and capital expenditure in the long run. Cash flow has significant and inelastic impact on capital expenditure (-0.963). Error correction model reveals that capital expenditure in German automobile sector conver...

  10. “Separation -A Better Tomorrow-Economy” A Study of Marketing Strategies On Automobile

    OpenAIRE

    Ekta Chakravarty

    2013-01-01

    Automobile is one of the largest industries in global market. Being the leader in product and process technologies in the manufacturing sector, it has been recognized as one of the drivers of economic growth. During the last decade, well directed efforts have been made to provide a new look to the automobile policy for realizing the sector's full potential for the economy. Aggressive marketing by the auto finance companies have also played a significant role in boosting automobile demand, esp...

  11. The effects of automobile production and local government expenditure on poverty in alabama

    OpenAIRE

    Sooriyakumar Krishnapillai; Henry Kinnucan

    2012-01-01

    This paper studies the impact of automobile production on the poverty rate of Alabama's counties. The findings suggest that automobile production in Alabama significantly reduces the poverty rate in all counties. The impact of automobile production on poverty reduction in distressed black belt counties is greater than in other counties. The local government expenditure is not very effective in reducing the poverty. This implies that industrial development may be more effective in reducing pov...

  12. Folk Quantification of Transportation Energy: An initial investigation of perceptions of automobile energy use

    OpenAIRE

    Silvis, Julia; Leighty, Wayne; Karner, Alex

    2007-01-01

    In this paper we seek to document what, if any, divergences exist between how experts and ‘lay’ people conceptualize the energy used in automobiles, motivated by previously-documented divergences in the home energy sector. From a total of 15 interviews with 19 individuals, we identify several common ways ‘lay’ people think about automobile energy use, and draw a number of conclusions relevant to the development of transportation energy policy. In our informants’ minds, automobiles us...

  13. INTRODUCTION OF INSURANCE REPOSITORY AS AN ALTERNATIVE OF INTERNET INSURANCE IN CLASSICAL MEANING: LEGISLATION ASPECTS

    Directory of Open Access Journals (Sweden)

    M. Malik

    2016-04-01

    Full Text Available This paper examines the legislation and regulation of insurance repositories. The basic conditions and requirements of creating and functioning of the new insurance market institute were studied. The basic requirements for managing personal of insurance repository were noticed. The study reveals the interaction mechanism of insurers and insured at the book-entry insurance policies turnover market via creation of the new institute, which is set to issue and control electronic insurance coverage.

  14. Segmentation on Investment in Personal Insurance and Determination of Insurance Needs through Human Life Value Modeling

    OpenAIRE

    Subhasis Ray

    2007-01-01

    With privatization of insurance in India in 2000, the industry is witnessing the birth of numerous private players, mostly joint ventures between foreign insurance giants and Indian diversified conglomerates. There is an immense growth potential of Indian Insurance Industry when it is seen that only 35% of the insurable population is insured. However, this percentage is not going to go up unless people understand the necessity of life insurance and how much should they insure. The first part ...

  15. Comparison of travel insurance offered by selected insurance companies in the Czech Republic

    OpenAIRE

    Seimlová, Nikola

    2013-01-01

    The bachelor thesis is a comparison of offers of travel insurance offered by insurance companies on the Czech market. In the analysis were selected two insurance companies, and insurance company Allianz and Generali. The first chapter focuses on general characteristics of basic terms in the insurance industry and the characteristics of individual services of travel insurance. In the second part of the thesis is an analysis of services of travel insurance and a performance of selected insuranc...

  16. Incidence and severity of reported acute sports injuries in 35 sports using insurance registry data.

    Science.gov (United States)

    Åman, M; Forssblad, M; Henriksson-Larsén, K

    2016-04-01

    Acute injuries in sport are still a problem where limited knowledge of incidence and severity in different sports at national level exists. In Sweden, 80% of the sports federations have their mandatory injury insurance for all athletes in the same insurance company and injury data are systematically kept in a national database. The aim of the study was to identify high-risk sports with respect to incidence of acute and severe injuries in 35 sports reported to the database. The number and incidences of injuries as well as injuries leading to permanent medical impairment (PMI) were calculated during 2008-2011. Each year approximately 12,000 injuries and 1,162,660 licensed athletes were eligible for analysis. Eighty-five percent of the injuries were reported in football, ice hockey, floorball, and handball. The highest injury incidence as well as PMI was in motorcycle, handball, skating, and ice hockey. Females had higher risk of a PMI compared with males in automobile sport, handball, floorball, and football. High-risk sports with numerous injuries and high incidence of PMI injuries were motorcycle, handball, ice hockey, football, floorball, and automobile sports. Thus, these sports ought to be the target of preventive actions at national level. PMID:25850826

  17. 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

  18. 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.

  19. The use of weather radars to estimate hail damage to automobiles: an exploratory study in Switzerland

    Science.gov (United States)

    Hohl, Roman; Schiesser, Hans-Heinrich; Knepper, Ingeborg

    As the first of its kind, this study presents damage functions between two damage variables of hail-damaged automobiles and radar-derived hail kinetic energy for a total of 12 severe hailstorms that have occurred over the Swiss Mittelland (1992-1998). Hail kinetic energy is calculated from C-band Doppler radar CAPPIs at low storm level (1.5 km MSL) and is integrated per radar element ( EKINPIX) for entire hail cells. Hail damage claim data were available per Swiss community on a daily basis and transformed (Delaunay triangulation) along with EKINPIX to a regular 3×3 km grid, thereafter allowing cross-correlation between the variables. The results show nonlinear relationships between EKINPIX and both loss ratios and mean damages per hail-damaged car, differing between high hail season storms (15 June-15 August) and storms that occurred during the low season (before and after). A weighted logistic function provides correlation coefficients between EKINPIX and loss ratios of 0.71 (0.79) for high (low) season storms and 0.76 (0.40) for mean damages of high (low) season hailstorms. Maximally possible loss ratios reach 60% (40%) in high (low) season storms with maximum mean damages of CHF 6000 (CHF 3000) and average values around CHF 3100 (CHF 2100). Seasonal differences in hailfall intensities are discussed in terms of atmospheric conditions favoring convective activity and the likelihood of higher numbers of large hailstones (>20 mm in diameter) that induce more severe damage to cars during the high storm season. The results suggest that radar-derived hail kinetic energy could be used by insurance companies in the future to (1) assess hail damage to cars immediately after a storm has passed over a radar observation area and (2) to estimate potential maximal hail losses to car portfolios for parts of central Europe.

  20. 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.

  1. SCHEDULING OF MECHANICS IN AUTOMOBILE REPAIR SHOPS USING ANN

    Directory of Open Access Journals (Sweden)

    N. SHIVASANKARAN

    2014-05-01

    Full Text Available Scheduling problems are NP – Hard combinatorial optimization problems, since many algorithms have been developed which offers new promising insights for solving resource allocation problems. Considering the problems faced in automobile repair shops, who sets the customer due dates of the car based on processing time, jobs already waiting for processing and mechanic available time. Also the workload of the mechanic should be balanced and minimize the make-span of the work. So this paper is concerned with determination of optimal allocation of repair jobs to the mechanic using Artificial Neural Network and hence to determine the minimum Total cost and make span of repair.

  2. Relations de travail dans l’industrie automobile colombienne

    OpenAIRE

    Valero, Edgar Augusto

    2011-01-01

    Les secteurs d'assemblages d'automobiles et de fabrication de pièces de rechange en Colombie décrivent les pressions exercées par l'environnement compétitif international sur l'efficience et la qualité. Ces pressions ont entraîné l'adoption de nouvelles formes d'organisation du travail et le changement quasi général des politiques du personnel durant les quinze dernières années. Un ensemble de transformations significatives des relations de travail dans cette branche de l'industrie est...

  3. WHO KILLED SAAB AUTOMOBILE?:Obituary of an Automotive Icon

    OpenAIRE

    Oliver, Nick; Holweg, Matthias

    2011-01-01

    Saab Automobile AB was declared bankrupt on December 19, 2011. This marked the end of 62 years of car production for the iconic brand, which during its final years was beset with financial problems and changes of ownership. More than 3,700 workers lost their jobs when the Trollhättan factory finally closed its doors after producing a total of 4.5 million Saab vehicles over the years. But what was the root cause for the company’s demise? Was it preventable? And who was to blame? The failure o...

  4. Automated Sequencing and Subassembly Detection in Automobile Body Assembly Planning

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    The choice of the sequence in which parts or subass em blies are put together in the mechanical assembly of a product can drastical ly affect the efficiency of the assembly process. Unlike metal cutting operation s where computer aided system have been available for some 15 to 25 years to hel p manufacturing engineers in generating cutting sequences and NC programs, the m ajority of assembly planning tasks in automobile body design is still manually p erformed by assembly designers according to their pa...

  5. CUSTOMER IMPORTANCE RATING OF SERVICE QUALITY DIMENSIONS FOR AUTOMOBILE SERVICE

    Directory of Open Access Journals (Sweden)

    SATYENDRA SHARMA

    2014-12-01

    Full Text Available Customers are the center of an organization’s universe: they define quality. They expect performance, reliability, responsiveness, competitive prices, on-time delivery, service, clear and correct transaction processing and more. Customer satisfaction/Service quality management has become a strategic imperative for most firms. In the present circumstances, it is vital to measure customer perceptions and how well the company delivers on the critical factors/dimensions of the business. The main objective of this paper is to be acquainted with customer importance rating of service quality dimensions or Voice of Customers for an Automobile service centre. A questionnaire has been used for the purpose.

  6. Preparation of composite aluminum automobile radiator by inversion casting

    Institute of Scientific and Technical Information of China (English)

    2001-01-01

    The inversion casting technics of producing three-ply Al-Mn/Al-Si composite strap used in automobile radiator was studied. The physical processes of inversion casting, including the flux-supporting reacting and volatilizing at high temperature, the melting and solidification when the elements of solid and liquid fresh alloys meet with each other, the mutual diffusion of elements in solid and liquid, the crystallization and forming of metallurgical combination and the following rolling process, were analyzed. At the same time, the composite mechanism of this technique was also discussed.

  7. Differences between pickup truck and automobile driver-owners.

    Science.gov (United States)

    Anderson, C L; Winn, D G; Agran, P F

    1999-01-01

    This study compares pickup truck driver-owners and drivers who owned only automobiles with respect to demographic factors, conditions of use, risk-taking driving behavior, prior driving history and attitudes towards motor vehicle laws. A telephone survey conducted in Riverside County, CA determined that 36% of the households had a pickup truck. Pickup truck owners were primarily male, aged 30-39 years, married, reported lower restraint use and more risky driving behaviors, and had more traffic citations. Differences in behaviors and attitudes were largely a function of age and gender. There is a need to design appropriate occupant safety interventions for those most likely to own pickup trucks. PMID:10084620

  8. Community Essay: Sustainable approach to automobile society in Japan

    Directory of Open Access Journals (Sweden)

    Jun Fujimoto

    2013-02-01

    Full Text Available What is the difference between electric vehicles (EVs in society and an EV society? “EVs in society” means simply the replacement of gasoline-powered cars with EVs without taking into consideration pervasive social issues. By contrast, an “EV society” is a concept whereby EVs are more fundamentally woven into the fabric of society with the aim of solving a range of social problems, while at the same time questioning the meaning of what an automobile “is” and “can be.” It is this “game-changing” principle of integration that drives our research.

  9. Environmental pollution risk and insurance

    OpenAIRE

    Fragnelli, Vito; Marina, Maria Erminia

    2002-01-01

    We consider environmental risks that are evaluated too much heavy for a single insurance company, but they can be insured by n companies which a premium is assigned to.This is precisely the Italian scenario where a pool of companies co-insures these risks.Under a game theoretic approach we start by analyzing how they should split the risk and the premium in order to be better off. Under suitable hypotheses, there exists an optimal decomposition of the risk, that allow us to define a cooperati...

  10. An updated estimation of the stable carbon and oxygen isotopic compositions of automobile CO emissions

    Science.gov (United States)

    Tsunogai, Urumu; Hachisu, Yosuke; Komatsu, Daisuke D.; Nakagawa, Fumiko; Gamo, Toshitaka; Akiyama, Ken-ichi

    We estimate up-to-date values of the average isotopic compositions of CO emitted from automobiles. In the estimation, we determined the isotopic compositions of CO in tail pipe exhaust for four gasoline automobiles and two diesel automobiles under varying conditions of both idling and running. While the dependence on the automobile manufacturer is little, each automobile equipped with functional catalytic converter exhibits a large temporal δ13C and δ18O variation. They tend to show 13C and 18O enrichment in accordance with the reduction of CO in exhaust, suggesting that the functional catalytic converter in engines enhances the δ13C and δ18O values of CO from tail pipes through a kinetic isotope effect during CO destruction. Assuming that automobiles run a modeled driving cycle, we estimated the average δ13C and δ18O of CO to be -23.8±0.8‰ PDB and +25.3±1.0‰ SMOW, respectively, for recent gasoline automobiles, and -19.5±0.7‰ PDB and +15.1±1.0‰ SMOW, respectively, for recent diesel automobiles. While the δ13C and δ18O values of recent gasoline automobiles coincide well with the isotopic compositions of source CO in present trunk road atmosphere estimated in this study, those are +4-+6‰ ( δ13C) and +1-+3‰ ( δ18O) higher than those reported previously and also those emitted from old, non-catalyst automobiles determined in this study. Recent improvements in functional catalytic converters have enhanced and will enhance the δ13C and δ18O values of CO from automobiles.

  11. Unemployment Insurance and Disability Insurance in the Great Recession

    OpenAIRE

    Mueller, Andreas I.; Jesse Rothstein; Till M. von Wachter

    2013-01-01

    Disability insurance (DI) applications and awards are countercyclical. One potential explanation is that unemployed individuals who exhaust their Unemployment Insurance (UI) benefits use DI as a form of extended benefits. We exploit the haphazard pattern of UI benefit extensions in the Great Recession to identify the effect of UI exhaustion on DI application, using both aggregate data at the state-month and state-week levels and microdata on unemployed individuals in the Current Population Su...

  12. Insurance and Prevention: Why and How?

    Science.gov (United States)

    Ungarelli, Donald L.

    1984-01-01

    Stressing importance of insurance coverage for the buildings and contents of libraries, this article covers insurance history, the modern insurance industry, examples of loss experiences, prevention and preparedness, risk management, appraisals and valuations of property, insurance options, and lack of recognition of protective and preventive…

  13. 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... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Premiums § 241.805 Insurance premiums. (a) First premium....

  14. 46 CFR 308.502 - Additional insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional insurance. 308.502 Section 308.502 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance I-Introduction § 308.502 Additional insurance. The assured may place increased value...

  15. 7 CFR 1788.3 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... Flood Insurance Program (see 44 CFR part 59 et seq.) provides for a standard flood insurance policy... 7 Agriculture 12 2010-01-01 2010-01-01 false Flood insurance. 1788.3 Section 1788.3 Agriculture... (CONTINUED) RUS FIDELITY AND INSURANCE REQUIREMENTS FOR ELECTRIC AND TELECOMMUNICATIONS BORROWERS...

  16. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Flood insurance. 741.216 Section 741.216 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  17. 38 CFR 36.4329 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4329... GUARANTY Guaranty or Insurance of Loans to Veterans With Electronic Reporting § 36.4329 Hazard insurance. The holder shall require insurance policies to be procured and maintained in an amount sufficient...

  18. 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... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE AND INSURED IMPROVEMENT LOANS FOR URBAN RENEWAL AND CONCENTRATED DEVELOPMENT AREAS Contract...

  19. 7 CFR 4279.143 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... insurance is required in accordance with 7 CFR, part 1806, subpart B (FmHA Instruction 426.2, available in... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 4279.143 Section 4279.143 Agriculture... Insurance. (a) Hazard. Hazard insurance with a standard mortgage clause naming the lender as...

  20. 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...

  1. 12 CFR 741.212 - Share insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Share insurance. 741.212 Section 741.212 Banks... INSURANCE Regulations Codified Elsewhere in NCUA's Regulations as Applying to Federal Credit Unions That Also Apply to Federally Insured State-Chartered Credit Unions § 741.212 Share insurance. (a)...

  2. 24 CFR 201.31 - Insurance charge.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance charge. 201.31 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Insurance of Loans § 201.31 Insurance charge....

  3. 24 CFR 206.15 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance. 206.15 Section 206.15... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES HOME EQUITY CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement § 206.15 Insurance. Mortgages originated under...

  4. 78 FR 14034 - Health Insurance Providers Fee

    Science.gov (United States)

    2013-03-04

    ... applicable to student health insurance, see Student Health Insurance Coverage, 77 FR 16453, 16455-56 (March... definition of covered entity is also Sec. 2520.101-2(c)(2)(ii)(B) (RIN 1210-AB51). See 76 FR 76222. If and... health insurance coverage under the Public Health Service Act and ACA). 3. Travel Insurance The...

  5. 46 CFR 326.3 - Insured.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Insured. 326.3 Section 326.3 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.3 Insured. The insureds are: The United States of...

  6. INSURANCE PROTECTION AS A QUASISOCIETY GOOD

    OpenAIRE

    Bazilevich, K.

    2008-01-01

    The article deals with an interrelation between voluntary insurance that takes aim at personal gains and compulsory insurance that aspires social advantage in their unity and contradictory correlation. Importance of each of the insurance kinds is shown as to the broadest insurance coverage of the population of a country.

  7. 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.

  8. Insurance of tanker and bulk oil cargo against war risks in the Arab insurance market

    International Nuclear Information System (INIS)

    This article addresses war risks insurance, and war risks insurance in the Arab insurance market. The setting up of the Arab War Risks Insurance Syndicate in 1979, the Syndicate's targeted areas, insurance against war risks, and war on land cover are discussed in detail. (UK)

  9. 77 FR 3400 - Common Crop Insurance Regulations; Peach Crop Insurance Provisions

    Science.gov (United States)

    2012-01-24

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Insurance Regulations; Peach Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA... Common Crop Insurance Regulations, Peach Crop Insurance Provisions. The intended effect of this action...

  10. 77 FR 27658 - Common Crop Insurance Regulations; Processing Sweet Corn Crop Insurance Provisions

    Science.gov (United States)

    2012-05-11

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Insurance Regulations; Processing Sweet Corn Crop Insurance Provisions AGENCY: Federal Crop Insurance... amend the Common Crop Insurance Regulations, Processing Sweet Corn Crop Insurance Provisions....

  11. 75 FR 59057 - Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop...

    Science.gov (United States)

    2010-09-27

    ... March 30, 2010 (75 FR 15778-15891). Need for Correction As published, the final regulation contained... Insurance Corporation 7 CFR Part 457 RIN 0563-AB96 Common Crop Insurance Regulations, Cotton Crop Insurance Provisions and Macadamia Nut Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance...

  12. 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...

  13. Nuclear insurance problems in Spain

    International Nuclear Information System (INIS)

    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)

  14. Environmental insurance: research information support

    OpenAIRE

    Rykova Valentina V.

    2015-01-01

    he article describes information resources to support research on the issue of environmental insurance. It represents a brief analysis of a documentary flow, traces its dynamics and typical-thematic structures, shows the most productive journals 

  15. FEMA Flood Insurance Studies Inventory

    Data.gov (United States)

    Kansas Data Access and Support Center — This digital data set provides an inventory of Federal Emergency Management Agency (FEMA) Flood Insurance Studies (FIS) that have been conducted for communities and...

  16. 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.

  17. 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.

  18. BODY PRESSURE DISTRIBUTION OF AUTOMOBILE DRIVING HUMAN MACHINE CONTACT INTERFACE

    Institute of Scientific and Technical Information of China (English)

    CHEN Juan; HONG Jun; ZHANG E; LIANG Jian; LU Bingheng

    2007-01-01

    Aiming at the fatigue and comfort issues of human-machine contact Interface in automobile driving and based on physiological and anatomical principle, the physiological and biochemical process of muscles and nerves in the formation and development of fatigue is analyzed systematically. The fatigue-causing physiological characteristic Indexes are mapped to biomechanical Indexes like muscle stress-strain, the compression deformation of Wood vessels and nerves etc.from the perspective of formation mechanism. The geometrical model of skeleton and parenchyma is established by applying CT-scanned body data and MRI images. The general rule of comfort body pressure distribution is acquired through the analysis of anatomical structure of buttocks and femoral region. The comprehensive lest platform for sitting comfort of 3D adjustable contact Interface is constructed. The lest of body pressure distribution of human-machine contact interface and its comparison with subjective evaluation indicates that the biomechanical Indexes of automobile driving human-machine contact interface and body pressure distribution rule studied can effectively evaluate the fatigue and comfort issues of human-machine contact interface and provide theoretical basis for the optimal design of human-machine contact interface.

  19. Ergonomic and usability analysis on a sample of automobile dashboards.

    Science.gov (United States)

    Carvalho, Raíssa; Soares, Marcelo

    2012-01-01

    This is a research study based on an analysis which sets out to identify and pinpoint ergonomic and usability problems found in a sample of automobile dashboards. The sample consisted of three dashboards, of three different makes and characterized as being a popular model, an average model and a luxury model. The examination was conducted by observation, with the aid of photography, notes and open interview, questionnaires and performing tasks with users, the bases of which are on the principles laid down by methodologies. From this it was possible to point to the existence of problems such as: complaints about the layout, lighting, colors, available area, difficult access to points of interaction, such as buttons, and the difficult nomenclature of dials. Later, the findings and recommendations presented show the need for a further, deeper study, using more accurate tools, a larger sample of users, and an anthropometric study focused on the dashboard, since reading and understanding it have to be done quickly and accurately, and that more attention be given to the study of automobile dashboards, particularly in the most popular vehicles in order to maintain the standards of usability, and drivers' comfort and safety. PMID:22316929

  20. Designing Logistic Information Platform to Fostering Development Trend in China Automobile Manufacturing Group

    Institute of Scientific and Technical Information of China (English)

    Wang Yue

    2009-01-01

    The logistics resource in China's automobile group can't be optimized and allocated because of the "information island" problem in the group's logistics information platform in the whole group. In addition, it is the development trend of China's automobile group LIN to build a logistics e - market in the range of the group.

  1. La Securite des Enfants vs. la Circulation - Auto. (Children's Safety vs. Automobile Traffic).

    Science.gov (United States)

    Canada Mortgage and Housing Corp., Ottawa (Ontario).

    This report, the sixteenth in a series of twenty reports undertaken by the Children's Environments Advisory Service for the 1979 International Year of the Child, analyzes the difficulties of designing automobile traffic patterns for areas in which children reside. Automobile traffic and play patterns in 21 multiple-housing projects in the…

  2. 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…

  3. 75 FR 80350 - Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile...

    Science.gov (United States)

    2010-12-22

    ... date for the final rule published on November 29, 2010 at 75 FR 72965 remains November 29, 2010. The...-AJ09 Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile Mileage Reimbursement When Government Owned Automobiles Are Authorized; Miscellaneous...

  4. Automobile industry and Japan’s strategy for the global environment

    OpenAIRE

    Şerban Georgescu

    2007-01-01

    Japan’s automobile industry evolution for the last five years was a succes story, based on long-term strategy and strong innovative development. This article makes a review of the automobile industry’s main trends and challenges for the Japanese manufacturers.

  5. 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...

  6. 25 CFR 11.419 - Unauthorized use of automobiles and other vehicles.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of automobiles and other vehicles. 11... OF INDIAN OFFENSES AND LAW AND ORDER CODE Criminal Offenses § 11.419 Unauthorized use of automobiles and other vehicles. A person commits a misdemeanor if he or she operates another person's...

  7. PRESENT FRAMEWORK OF AGRICULTURAL INSURANCE

    OpenAIRE

    Narcis Eduard Mitu

    2007-01-01

    The international agricultural insurance market has an important dimension. The experience of economically developed countries revealed the fact that without a stable development of agricultural insurances, there is no chance for high performance agriculture. This will require the establishment of a framework for responding to severe systemic events affecting agricultural production, and establishing an appropriate regulatory environment to foster private sector innovation and investment in s...

  8. Unemployment insurance and the uninsured

    OpenAIRE

    Tali Regev

    2006-01-01

    Under federal-state law workers who quit a job are not entitled to receive unemployment insurance benefits. To show how the existence of the uninsured affects wages and employment, I extend an equilibrium search model to account for two types of unemployed workers: those who are currently receiving unemployment benefits and for whom an increase in unemployment benefits reduces the incentive to work, and those who are currently not insured. For these, work provides an added value in the form o...

  9. Business cycle dependent unemployment insurance

    OpenAIRE

    Andersen, Torben M.; Svarer, Michael

    2010-01-01

    The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive argument. Since benefits may be less distortionary in a recession than a boom, it follows that counter-cyclical benefits reduce average distortions compared to state independent benefits. We show t...

  10. Personal Values of Insurance Executives

    OpenAIRE

    Joe H. Murrey Jr.; Sami M. Abbasi; Kenneth W. Hollman

    1986-01-01

    Personal values are a basic component of our personality. When such values are held uncritically by those in powerful positions, but are not explicit and not articulated, they may contain the seeds of severe organizational and social disruption. In insurance, one need look no further than the Equity Funding fraud to find what can happen when values of insurance executives are misguided and they undertake irresponsible and unethical actions that undermine the public's confidence and trust in t...

  11. SERBIAN INSURANCE MARKET – SELECT ISSUES

    OpenAIRE

    Obadović Mirjana M.; Avdaliović Veselin; Obadović Milica D.

    2010-01-01

    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 insur...

  12. Wealth Effects on Demand for Insurance

    OpenAIRE

    Aase, Knut K.

    2007-01-01

    A standard result states that under decreasing absolute risk aversion the indifference premium of the insured is a decreasing function of wealth. This has been interpreted to mean that insurance is an inferior good, which has been considered as a puzzle in insurance theory, in particular since the result does not seem to explain observed behavior in insurance markets. We reformulate the standard model of risk sharing to incorporate the amount invested in the insurable asset. From this we ...

  13. Business Ethics in Insurance Industry in Nigeria

    OpenAIRE

    Isimoya O.

    2014-01-01

    This study conceptually x-rayed the insurance practice in Nigeria, particularly the non-adherence to business ethics philosophy in their operations. Though Nigeria potentially has the largest insurance market in the African continent, she trails behind South Africa, Egypt, and Morocco in insurance market premium volume in 2011. This study revealed that unethical practices holds sway in the industry, resulting in lost of confidence, poor insurance patronage and stunted growth for insurance ind...

  14. AUDITOR''S PROFESSIONAL LIABILITY INSURANCE

    OpenAIRE

    Dorosh, N.

    2008-01-01

    This article is devoted to positive experience insurance of auditing in different countries and how it to use in Ukraine. Insurance rates have risen considerably as a result of increasing litigation in many countries, professional liability insurance is still available for all CPAs. It is essential for a CPA firm in Ukraine to have adequate insurance protection in the event of lawsuit about performing quality audit. This article is described all the particulars of a insurance's agreement.

  15. Deposit insurance and international bank deposits

    OpenAIRE

    Harry Huizinga; Gaëtan Nicodème

    2003-01-01

    This paper examines how international depositors respond to national deposit insurance policies. Countries with explicit deposit insurance are found to be relatively attractive to international non-bank depositors. Deposit schemes characterized by co-insurance, a private administration, and a low deposit insurance premium appear to be particularly favored by these depositors. The sensitivity of non-bank deposits to deposit insurance policies opens up the possibility of international regulator...

  16. Environmental pollution and liability insurance

    International Nuclear Information System (INIS)

    By the declared will of the legislative bodies to give effect to the polluter pays principle on all levels those have to pay the costs of removing impairments of environmental media that are responsible for its occurence. Thus environmental pollution becomes a considerable financial risk for the polluter. Against this risk they try to protect themselves by the corresponding precautionary measures, e.g. by insurance. The insurance industry is consequently requested to meet this new demand. The legal bases are followed by the description of the insurance relationship under the aspect of the theory of risks, which follows, based on the basic model of decision theory, the objective of a quantitative representation of the situation of the decision. In the last chapter the author deals with the financial security for the risks of a third party liability insurance of environmental pollution as it is offered today in the Federal Republic of Germany. The elaboration of the existing financial security is then compared with the legal conditions of liability. In doing this the author describes cases not covered by financial security and its definition by comparison with findings of risk theory. As a result it becomes obvious that numerous exclusions of risks could quite good be included in the financial security and that the argument of the impossibility to insure often put forward by the insurers to justify the exclusion of risks can neither theoretically nor practically be uphold. (orig./HSCH)

  17. Buying greenhouse insurance

    International Nuclear Information System (INIS)

    A growing concern that the increasing accumulation of greenhouse gases will lead to undesirable changes in global climate has resulted in proposals, both in the United States and internationally, to set physical targets for reducing greenhouse gas emissions. But what will these proposals cost? This book outlines a way to think about greenhouse-effect decisions under uncertainty. It describes an insightful model for determining the economic costs of limiting CO2 emissions produced by burning fossil fuels and provides a solid analytical base for rethinking public policy on the far-reaching issue of global warming. It presents region-by-region estimates of the costs that would underlie an international agreement. Using a computer model known as Global 2100, they analyze the economic impacts of limiting CO2 emissions under alternative supply and conservation scenarios. The results clearly indicate that a reduction in emissions is not the sole policy response to potential climate change. Following a summary of the greenhouse effect, its likely causes, and possible consequences, this book takes up issues that concern the public at large. They provide an overview of Global 2100, look at how the U.S. energy sector is likely to evolve under business-as-usual conditions and under carbon constraints, and describe the concept of greenhouse insurance. They consider possible global agreements, including an estimate of benefits that might result from trading in an international market in emission rights. They conclude with a technical description directed toward modeling specialists

  18. INSURANCE SERVICES AS A PRODUCT OF BUSINESS ACTIVITY OF INSURANCE COMPANIES IN THE CONDITIONS OF MARKET

    OpenAIRE

    Gamankova, О.

    2008-01-01

    The article is devoted to the essence of insurance services as a product of business activity of insurance companies in the conditions of market. Specific properties of insurance services are examined which distinguish them from other goods and services.

  19. 78 FR 52780 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2013-08-26

    ... private insurance companies (Companies) and to make available to the Companies the terms for subscription... Arrangement, together with related materials and submission instructions, to all private insurance companies... Insurance Administration, Financial Assistance/Subsidy Arrangement, the Company is responsible for...

  20. 77 FR 36566 - National Flood Insurance Program (NFIP); Assistance to Private Sector Property Insurers...

    Science.gov (United States)

    2012-06-19

    ... private insurance companies (Companies) and to make available to the Companies the terms for subscription..., together with related materials and submission instructions, to all private insurance companies participating under the current FY 2012 Arrangement. Any private insurance company not currently...

  1. 40 CFR Table 1 to Subpart B of... - Volatile Organic Compound (VOC) Content Limits for Automobile Refinish Coatings

    Science.gov (United States)

    2010-07-01

    ... Limits for Automobile Refinish Coatings 1 Table 1 to Subpart B of Part 59 Protection of Environment... Automobile Refinish Coatings Pt. 59, Subpt. B, Table 1 Table 1 to Subpart B of Part 59—Volatile Organic Compound (VOC) Content Limits for Automobile Refinish Coatings Coating category Grams VOC per liter...

  2. 41 CFR 301-10.220 - What requirements must I meet to operate a Government automobile for official travel?

    Science.gov (United States)

    2010-07-01

    ... meet to operate a Government automobile for official travel? 301-10.220 Section 301-10.220 Public... ALLOWABLE TRAVEL EXPENSES 10-TRANSPORTATION EXPENSES Government Vehicle Government Automobiles § 301-10.220 What requirements must I meet to operate a Government automobile for official travel? You must...

  3. 29 CFR 779.371 - Some automobile, truck, and farm implement establishments may qualify for exemption under section...

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false Some automobile, truck, and farm implement establishments... OR SERVICES Exemptions for Certain Retail or Service Establishments Automobile, Truck, Farm Implement, Trailer, and Aircraft Sales and Services § 779.371 Some automobile, truck, and farm...

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

    OpenAIRE

    Wihlborg, Clas; Angkinand, Apanard

    2007-01-01

    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 sc...

  5. 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

  6. 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.

  7. Efficient controller area network data compression for automobile applications

    Institute of Scientific and Technical Information of China (English)

    Yu-jing WU; Jin-Gyun CHUNG

    2015-01-01

    Controller area networks (CANs) have been designed for multiplexing communication between electronic control units (ECUs) in vehicles and many high-level industrial control applications. When a CAN bus is overloaded by a large number of ECUs connected to it, both the waiting time and the error probability of the data transmission are increased. Thus, it is desirable to reduce the CAN frame length, since the duration of data transmission is proportional to the frame length. In this paper, we present a CAN message compression method to reduce the CAN frame length. Experimental results indicate that CAN transmission data can be compressed by up to 81.06%with the proposed method. By using an embedded test board, we show that 64-bit engine management system (EMS) CAN data compression can be performed within 0.16 ms;consequently, the proposed algorithm can be successfully used in automobile applications.

  8. Introduction. L’automobile, objet d’étude pluridisciplinaire

    OpenAIRE

    Garçon, Anne-Françoise

    2015-01-01

    « Révolutionnaire… ! » Cet adjectif, Citroën en fit un slogan publicitaire, il y a quelques années, pour imposer auprès de sa clientèle sa voiture dernière-née. Le constructeur résumait ainsi tout à la fois ce qui faisait la spécificité de la marque et d’une manière générale, ce qui fait la spécificité de l’objet. Et si le modèle, en tant que tel, n’a pas vraiment défrayé la chronique automobile, du moins, par la grâce du jeu publicitaire s’inséra-t-il dans la lignée des voitures innovantes –...

  9. A knowledge-based system for controlling automobile traffic

    Science.gov (United States)

    Maravas, Alexander; Stengel, Robert F.

    1994-01-01

    Transportation network capacity variations arising from accidents, roadway maintenance activity, and special events as well as fluctuations in commuters' travel demands complicate traffic management. Artificial intelligence concepts and expert systems can be useful in framing policies for incident detection, congestion anticipation, and optimal traffic management. This paper examines the applicability of intelligent route guidance and control as decision aids for traffic management. Basic requirements for managing traffic are reviewed, concepts for studying traffic flow are introduced, and mathematical models for modeling traffic flow are examined. Measures for quantifying transportation network performance levels are chosen, and surveillance and control strategies are evaluated. It can be concluded that automated decision support holds great promise for aiding the efficient flow of automobile traffic over limited-access roadways, bridges, and tunnels.

  10. ALGORITHM OF PRETREATMENT ON AUTOMOBILE BODY POINT CLOUD

    Institute of Scientific and Technical Information of China (English)

    GAO Feng; ZHOU Yu; DU Farong; QU Weiwei; XIONG Yonghua

    2007-01-01

    As point cloud of one whole vehicle body has the traits of large geometric dimension, huge data and rigorous reverse precision, one pretreatment algorithm on automobile body point cloud is put forward. The basic idea of the registration algorithm based on the skeleton points is to construct the skeleton points of the whole vehicle model and the mark points of the separate point cloud, to search the mapped relationship between skeleton points and mark points using congruence triangle method and to match the whole vehicle point cloud using the improved iterative closed point (ICP) algorithm. The data reduction algorithm, based on average square root of distance, condenses data by three steps, Computing datasets' average square root of distance in sampling cube grid, sorting order according to the value computed from the first step, choosing sampling percentage. The accuracy of the two algorithms above is proved by a registration and reduction example of whole vehicle point cloud of a certain light truck.

  11. CORPORATE SOCIAL RESPONSIBILITY IN THE AUTOMOBILE INDUSTRY IN SLOVAK REPUBLIC

    Directory of Open Access Journals (Sweden)

    Jana Vicianová

    2011-01-01

    Full Text Available At present, the corporate social responsibility should be seen not only in theory, but mainlyat the level of business practice. Companies that apply the concept of corporate socialresponsibility are aware not only of social and environmental benefits, but also theeconomic benefits that this approach brings. Assumptions of social responsibility are tomaximize the market value of the business provided that companies respect the laws andresponsibilities of owners, managers and employees. Benefits of the corporate socialresponsibility are not only companies and their stakeholders, but also society. This factinspires many large enterprises to start up a socially responsible business. The paper dealswith the corporate social responsibility concept and its implementation in the car industryin Slovak republic. The aim of the article is basically on the theories of corporate socialresponsibility to identify the level of application of this concept in automobile industry inSlovakia.

  12. Thermal energy storage for the Stirling engine powered automobile

    Science.gov (United States)

    Morgan, D. T. (Editor)

    1979-01-01

    A thermal energy storage (TES) system developed for use with the Stirling engine as an automotive power system has gravimetric and volumetric storage densities which are competitive with electric battery storage systems, meets all operational requirements for a practical vehicle, and can be packaged in compact sized automobiles with minimum impact on passenger and freight volume. The TES/Stirling system is the only storage approach for direct use of combustion heat from fuel sources not suitable for direct transport and use on the vehicle. The particular concept described is also useful for a dual mode TES/liquid fuel system in which the TES (recharged from an external energy source) is used for short duration trips (approximately 10 miles or less) and liquid fuel carried on board the vehicle used for long duration trips. The dual mode approach offers the potential of 50 percent savings in the consumption of premium liquid fuels for automotive propulsion in the United States.

  13. Insurance agreements covering the PAKS NPP

    International Nuclear Information System (INIS)

    The Hungarian Nuclear Insurance Pool was formed in the second half of 1996 with the expressed aim of covering the risks of nuclear installations on the territory of the Hungarian Republic. The Paks Nuclear Power Plant is the first Russian-designed nuclear power plant having nuclear liability insurance cover. Since starting the co-operation with Paks, three different type of insurance cover have been set up by the Pool. These are: nuclear third party liability insurance, liability insurance for nuclear accidents arising during transportation of nuclear fuels and material damage insurance. (N.C.)

  14. Retroactive insurance may fund TMI-2 cleanup

    International Nuclear Information System (INIS)

    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

  15. Risk Management and Insurance Decisions under Ambiguity

    DEFF Research Database (Denmark)

    Martínez-Correa, Jimmy

    I study the impact of ambiguity on insurance decisions and the optimality of insurance contracts. My tractable approach allows me to study the interaction between risk and ambiguity attitudes. When insurance decisions are made independently of other assets, for a given increase in wealth, both risk...... counterexample to a classical result in insurance economics where an insurance contract with straight deductible is dominated by a coinsurance contract. Finally, I find that a modified Borch rule characterizes the optimal insurance contract with bilateral risk and ambiguity attitudes and heterogeneity in beliefs....

  16. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2015-11-01

    Full Text Available In the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  17. Role of Data mining in Insurance Industry

    Directory of Open Access Journals (Sweden)

    K. Umamaheswari

    2014-06-01

    Full Text Available n the global era, Insurance systems rapidly a lot of tremendous development in our society. Due to the increased stress in day-to-day life, the growth of demand of insurance increased. Data mining helps insurance firms to discovery useful patterns from the customer database. The purpose of the paper aims to present how data mining is useful in the insurance industry, how its techniques produce good results in insurance sector and how data mining enhance in decision making using insurance data. The conceptual paper is written based on secondary study, observation from various journals, magazines and reports.

  18. 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.

  19. Nuclear power and nuclear insurance

    International Nuclear Information System (INIS)

    Fanned by the Chernobyl reactor accident the discussion about the safety and insurability of nuclear power plants has also been affecting the insurance companies. The related analyses of the safety concepts of German nuclear power plants have been confirming the companies' risk philosophy of maintaining the insurability of nuclear power plants either meeting German safety standards or equivalent safety standards. Apart from the technical evaluation of the safety of nuclear power plants the fundamental discussion about the pros and cons of nuclear power has also been stressing the damages and liability problem. The particular relevance of possible considerable transfrontier contaminations clearly reveals the urgency of establishing internationally standardized reactor accident liability regulations. (orig./HP)

  20. Effect of Air Velocity on Thermal Comfort in an Automobile Cabin

    Directory of Open Access Journals (Sweden)

    Mehmet Özgün Korukçu

    2011-06-01

    Full Text Available The aim of this study is to evaluate the effect of air velocity on thermal comfort during heating period in an automobile cabin with experiments. In the evaluation of comfort in automobiles, in general temperature, humidity, air velocity and radiant temperature measurements are taken. In the study, ambient temperature, relative humidity, mean radiant temperature and mean skin temperature of the driver inside the automobile cabin during heating for different vent air mass flow rates were measured in a parked car. Subjective survey was performed during the experiments to the driver. The results for different vent air mass flow rate values were compared with answers taken from the subject and discussed.

  1. 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.

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

    International Nuclear Information System (INIS)

    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.)

  3. New approaches for index insurance

    OpenAIRE

    Skees, Jerry R.; Collier, Benjamin

    2010-01-01

    The El Niño Southern Oscillation (ENSO) is a climate event associated with warming sea surface temperatures in the Pacific Ocean. In years of extreme El Niño events, areas in northern Peru experience catastrophic flooding. As of 2010, it is possible for stakeholders in northern Peru to purchase a new form of insurance that pays out just as flooding begins and stakeholders begin incurring extra costs and consequential losses. Given the high basis risk associated with selling index insurance to...

  4. Insurance, Reinsurance and Dividend Payment

    CERN Document Server

    Goreac, D

    2008-01-01

    The aim of this paper is to introduce an insurance model allowing reinsurance and dividend payment. Our model deals with several homogeneous contracts and takes into account the legislation regarding the provisions to be justified by the insurance companies. This translates into some restriction on the (maximal) number of contracts the company is allowed to cover. We deal with a controlled jump process in which one has free choice of retention level and dividend amount. The value function is given as the maximized expected discounted dividends. We prove that this value function is a viscosity solution of some first-order Hamilton-Jacobi-Bellman variational inequality. Moreover, a uniqueness result is provided.

  5. Unemployment duration and unemployment insurance

    DEFF Research Database (Denmark)

    Røed, Knut; Jensen, Peter; Thoursie, Anna

    2008-01-01

    Based on pooled register data from Norway and Sweden, we find that differences in unemployment duration patterns reflect dissimilarities in unemployment insurance (UI) systems in a way that convincingly establishes the link between economic incentives and job search behaviour. Specifically, UI...... benefits are relatively more generous for low-income workers in Sweden than in Norway, leading to relatively longer unemployment spells for low-income workers in Sweden. Based on the between-countries variation in replacement ratios, we find that the elasticity of the outflow rate from insured unemployment...

  6. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... exposure, but argued that it would adversely affect public relations. The commenter suggested that foreign... changes. \\15\\ 78 FR 11604 (February 19, 2013). II. Statutory Framework A. Definition of ``Insured Deposit....C. 1820(g); see, e.g., Unlimited Coverage for Noninterest- Bearing Transaction Accounts, 75 FR...

  7. Insure Kids Now (IKN) (Dental Care Providers)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Insure Kids Now (IKN) Dental Care Providers in Your State locator tool is provided, in accordance with the Children's Health Insurance Program Reauthorization...

  8. Nuclear materials transport: liability and insurance

    International Nuclear Information System (INIS)

    Regulations concerning civil and contractual liability for nuclear materials transport are reviewed, and damage repairs are provided by the insurance. Organization, guarantees for nuclear transport and operation of the nuclear insurance market are examined

  9. THE INSURANCE OF ECOLOGICAL RISKS IN UKRAINE

    OpenAIRE

    Pikus, R.; Lobova, O.

    2009-01-01

    The article defines the meaning and major tasks for ecological insurance in the society and economy. Its international experience and status in Ukraine is analyzed, a prospect for development of ecological insurance is determined.

  10. How to Shop for Health Insurance

    Science.gov (United States)

    ... and some preventive care. Most plans also offer discounts on prescription drugs and other services. Specific benefits ... child can start using the insurance. The insurance company should send you and everyone covered by your ...

  11. 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...

  12. Joint-venture Insurance Firm Born

    Institute of Scientific and Technical Information of China (English)

    2002-01-01

    @@ Generali China Life insurance Company Ltd.began operations in February this year in Guangzhou,capital of South China's Guangdong Province - the first joint-venture insurer since China joined the World Trade Organization.

  13. Insuring catastrophes and the role of governments

    Science.gov (United States)

    Boyer, M. M.; Nyce, C. M.

    2013-08-01

    In this paper we model the cost of providing insurance coverage against natural and man-made hazards. We propose an insurance market model that explains (1) the use of reinsurance to help finance the cost of catastrophic events and (2) the implicit (or explicit) presence of government entities acting as (re)insurers of last resort. Using an economic model, we show how insurance programmes should be designed to cover the losses due to a possible catastrophic natural hazard. Our results show that the optimal structure of a reinsurance programme minimizes the cost of offering insurance protection. We also show how government intervention can reduce the cost of insurance against natural catastrophes and increase policyholders' welfare. Our paper therefore offers public policy implications as to the role and presence of government as an insurer of last resort and the minimum insurance premium necessary to cover the cost of catastrophic events.

  14. Pre-Existing Condition Insurance Plan Data

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Affordable Care Act created the new Pre-Existing Condition Insurance Plan (PCIP) program to make health insurance available to Americans denied coverage by...

  15. Crop Insurance, Premium Subsidy and Agricultural Output

    Institute of Scientific and Technical Information of China (English)

    XU Jing-feng; LIAO Pu

    2014-01-01

    This paper studied the effects of crop insurance on agricultural output with an economic growth model. Based on Ramsey-Cass-Koopmans (RCK) model, a basic model of agriculture economic growth was developed. Extending the basic model to incorporate uncertainty and insurance mechanism, a risk model and a risk-insurance model were built to study the inlfuences of risk and crop insurance on agricultural output. Compared with the steady states of the three models, the following results are achieved:(i) agricultural output decreases if we introduce uncertainty into the risk-free model;(ii) crop insurance promotes agriculture economic growth if insurance mechanism is introduced into the risk model;(iii) premium subsidy constantly improves agricultural output. Our contribution is that we studied the effects of crop insurance and premium subsidy from the perspective of economic growth in a dynamic framework, and proved the output promotion of crop insurance theoretically.

  16. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

    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)

  17. 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...

  18. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

    U.S. Department of Health & Human Services — This tool will help you find the health insurance best suited to your needs, whether its private insurance for individuals, families, and small businesses, or...

  19. Health Insurance Marketplace Public Use Files

    Data.gov (United States)

    U.S. Department of Health & Human Services — A set of seven (7) public use files containing information on health insurance issuers participating in the Health Insurance Marketplace and certified qualified...

  20. 20 CFR 702.148 - Insurance carriers' and self-insured employers' responsibilities.

    Science.gov (United States)

    2010-04-01

    ... AND PROCEDURE General Provisions Commutation of Payments and Special Fund § 702.148 Insurance carriers' and self-insured employers' responsibilities. (a) Each carrier and self-insured employer shall make..., employers and insurance carriers are given the authority to monitor their claims in the special fund...

  1. 76 FR 75805 - Common Crop Insurance Regulations; Prune Crop Insurance Provisions

    Science.gov (United States)

    2011-12-05

    ..., published at 48 FR 29115, June 24, 1983. Executive Order 12988 This proposed rule has been reviewed in... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC36 Common Crop Insurance Regulations; Prune Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  2. 77 FR 41709 - Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions

    Science.gov (United States)

    2012-07-16

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC39 Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION:...

  3. 76 FR 43606 - Common Crop Insurance Regulations; Onion Crop Insurance Provisions

    Science.gov (United States)

    2011-07-21

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC29 Common Crop Insurance Regulations; Onion Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation,...

  4. 76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2011-11-17

    .... See the Notice related to 7 CFR part 3015, subpart V, published at 48 FR 29115, June 24, 1983... Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC35 Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed...

  5. Effectiveness of insurance risk management under crisis conditions

    OpenAIRE

    Goncharenko, I.G.

    2015-01-01

    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...

  6. Competition and Insurance Twenty Years Later

    OpenAIRE

    Michael Rothschild; Stiglitz, Joseph E

    1997-01-01

    We are honored to address the European Group of Risk and Insurance Economists and will take the opportunity to make some reflections on the rather uneasy relationship between insurance and competition.Economists generally prescribe competition as a solution for markets that do not work well. Competition allocates resources efficiently and encourages innovation and attention to what customers want. Insurance markets differ from most other markets because in insurance markets competition can de...

  7. On Corporate Risk Management and Insurance

    OpenAIRE

    MacMinn Richard D.

    2005-01-01

    Insurance contracts provide the corporation with an instrument to manage risk and create value. Insurance is designed to manage pure risk; a pure risk only yields a loss unlike speculative risks that may yield a gain or loss. Received theory does not provide the necessary distinction between pure and speculative risks that would allow the role of insurance to be investigated. Pure and speculative risks are modeled here as independent random variables. The role that insurance plays in determin...

  8. Insurance Law and Economics: an empirical perspective

    OpenAIRE

    Boom, Willem

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associated with moral hazard and adverse selection respectively, are firmly embedded in rational choice theory. This paper reviews empirical findings and addresses the question how close insurance law and economics theo...

  9. Medical Progress and Supplementary Private Health Insurance

    OpenAIRE

    Reiner Leidl

    2003-01-01

    In many welfare states, tightening financial constraints suggest excluding some medical services, including new ones, from social security coverage. This may create opportunities for private health insurance. This study analyses the performance of supplementary private health insurance (SPHI) in markets for excluded services in terms of population covered, risk selection and insurer profits. Using a utility-based simulation model, the insurance market is described as a composite of sub-market...

  10. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    Directory of Open Access Journals (Sweden)

    M. Malik

    2014-03-01

    Full Text Available The article outlines the main trends of compulsory insurance of civil liability in Russia : problems, trends and prospectsInsurance of civil liability – one of the popular forms of distribution and security in the world. The essence of compulsory insurance of civil responsibility is to protect the property interests of individuals. The development of liability insurance goes along with technological progress and reinforced by various laws and regulations, it touches almost all areas of life.

  11. Consumer price sensitivity in Dutch health insurance

    OpenAIRE

    Van Dijk, Machiel; Pomp, Marc; Douven, Rudy C.H.M.; Laske-Aldershof, Trea; Schut, Erik; Boer, Willem; de Boo, Anne

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: The price elasticity of residual demand for health insurance was low during the period 1993-2002, confirming earlier findings based on annual changes in market share. We find small but significant e...

  12. THE ESSENTIALS OF RAINFALL DERIVATIVES AND INSURANCE

    OpenAIRE

    Turvey, Calum G.

    1999-01-01

    This paper investigates the use of rainfall insurance to manage agricultural production risks. A number of rainfall insurance products are presented along with a raitonal model which identifies the economics of rainfall. The use of rainfall insurance will increase in future years as capital markets, financial institutions, reinsurance companies, crop insurance companies, and hedge funds collectively organize to share and distribute weather risks. The focus of this paper is in fact directed to...

  13. 2007 Saw Fresh Air for Insurance

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ What happened to China's insurance sector this year?Above all, this year was the first in the new Five-Year Plan for the Standardization of China's Insurance (2007-2011). The Five-Year Plan,released back in February, sets the first standards for the insurance industry in China; meanwhile, it also lays out a blueprint for future development. Additionally, the insurance sector is focused on meeting international standards and levels of service in 2015.

  14. Occupational injury insurance - A strategy for prevention?

    DEFF Research Database (Denmark)

    Jacobsen, Thomas

    1993-01-01

    Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French.......Can compulsory occupational injury insurance be used as a strategy for prevention in the work place? This is discussed on the basis of two different insurance systems - the Danish and the French....

  15. Theoretical and Economic Aspects of Deposit Insurance

    OpenAIRE

    Zbyněk Revenda

    2013-01-01

    The paper deals with deposit insurance schemes as an integral part of the present system of the banking regulation. Insurance premiums, limits and the rates of compensation and consequences of deposit insurance are then discussed from the theoretical and practical points of view. The moral hazard of banks and depositors and adverse selection are the main undesirable accompanying effects, which are directly connected with the scale of insurance protection in banks. The European Union unifi es ...

  16. THE FINANCIAL RESTORATION OF INSURANCE COMPANIES

    OpenAIRE

    LUMINITA TULEASCA

    2012-01-01

    The entire legal regulation of the insurance market is focused on the protection of the insurance policies holders, on keeping their trust in the insurance system and on the maintenance of the financial market steadiness. Noticing and solving the problems prior to the occurrence of insurers’ insolvency situation represents a fundamental aspect for the means of achieving such objective.By this survey we will analyse the financial restoration procedure of the insurance companies, Romanian legal...

  17. IFRS for Insurance: CFO Forum Proposals

    OpenAIRE

    Denis Duverne; Jacques Le Douit

    2007-01-01

    European insurers who have to establish financial statements under IFRS must apply a temporary international accounting standard for insurance contracts which provides a flawed picture of their business. The IFRS long-term project for insurance is still under preparation by the IASB. The standard should not be issued until mid-2009 following a discussion paper to be submitted for comments in the first quarter 2007. The insurance industry has been involved for several years in a proactive way,...

  18. Pricing General Insurance in a Competitive Market

    OpenAIRE

    Burcã Ana-Maria; Bãtrînca Ghiorghe

    2012-01-01

    In insurance industry, the lack of a proper pricing policy will generate suboptimal results. The price has to be competitive and actuarially adequate in order to reflect the dimension of risk. In a competitive market, the pricing policy of insurance companies acquires the capacities of a dynamic process. In this pricing war, the insurance company must analyze each component of pricing. Insurance companies use various statistical methods to set prices, taking in consideration the interaction b...

  19. Incomplete Derivative Markets and Portfolio Insurance

    OpenAIRE

    Charalambos Aliprantis; Brown, Donald J; J. Werner

    1997-01-01

    We present necessary and sufficient conditions on the asset span of incomplete derivative markets for insuring marketed portfolios. If the asset span is finite dimensional there exists a polynomial-time algorithm for deciding if every marketed portfolio is insurable, moreover this algorithm computes the minimum cost insurance portfolio. In addition, we extend the Cox-Leland characterization of optimal portfolio insurance in complete derivative markets to asset spans of incomplete derivative m...

  20. Measuring the efficiency of Serbian insurance companies

    OpenAIRE

    Snežana Knežević; Milanka Marković; Andrijana Brown

    2015-01-01

    The transition period, and the still ongoing economic crisis, amplify the volatility in the domestic insurance market and forces the management of insurance companies to continuously monitor changes in the market, i.e. to identify risks and opportunities, and therefore to undertake certain activities. The focus of the business of insurance companies is based on satisfying the needs of existing and potential clients. Respecting the current situation in the insurance market in anticipation of f...

  1. Specific aspects of insurance of nuclear risks

    International Nuclear Information System (INIS)

    The following questions are discussed in connection with the insurance of nuclear risks: insurance techniques, the nuclear operator's limitation of liability in amount and in time, its channelling, the principle of sole liability and exonerations, the insurers' position, the cover provided and state intervention beyond that amount. (NEA)

  2. 7 CFR 1724.6 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Insurance requirements. 1724.6 Section 1724.6... Insurance requirements. (a) Borrowers shall ensure that all architects and engineers working under contract with the borrower have insurance coverage as required by part 1788 of this chapter. (b) Borrowers...

  3. 32 CFR 766.9 - Insurance requirements.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 5 2010-07-01 2010-07-01 false Insurance requirements. 766.9 Section 766.9... DEPARTMENT OF THE NAVY AVIATION FACILITIES BY CIVIL AIRCRAFT § 766.9 Insurance requirements. (a) Control of insurance. The Commander, Naval Facilities Engineering Command, or his designee, shall be responsible...

  4. 7 CFR 1416.7 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 10 2010-01-01 2010-01-01 false Insurance requirements. 1416.7 Section 1416.7... PROGRAMS General Provisions for 2006 Emergency Agricultural Disaster Assistance Programs § 1416.7 Insurance... rates for producers who did not have crop insurance or coverage under the Noninsured Crop...

  5. 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. PMID:15744405

  6. Insurance Law and Economics: an empirical perspective

    NARCIS (Netherlands)

    W.H. van Boom (Willem)

    2008-01-01

    textabstractThe theory of insurance law and economics holds that the insured will display less care as a consequence of the insurance coverage. It also holds that bad risks are more likely than good risks to display demand for coverage. These behavioural predictions, which are associate

  7. 29 CFR 18.411 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Liability insurance. 18.411 Section 18.411 Labor Office of... OF ADMINISTRATIVE LAW JUDGES Rules of Evidence Relevancy and Its Limits § 18.411 Liability insurance... evidence of insurance against liability when offered for another purpose, such as proof of...

  8. 33 CFR 136.111 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 2 2010-07-01 2010-07-01 false Insurance. 136.111 Section 136...; DESIGNATION OF SOURCE; AND ADVERTISEMENT General Procedure § 136.111 Insurance. (a) A claimant shall provide the following information concerning any insurance which may cover the removal costs or damages...

  9. 38 CFR 36.4222 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Hazard insurance. 36.4222... General Provisions § 36.4222 Hazard insurance. (a) The holder shall require insurance policies to be... it may be subjected to the extent customary in the locality. The costs of such required...

  10. 28 CFR 36.212 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 1 2010-07-01 2010-07-01 false Insurance. 36.212 Section 36.212 Judicial... COMMERCIAL FACILITIES General Requirements § 36.212 Insurance. (a) This part shall not be construed to... benefit plan that is not subject to State laws that regulate insurance. (b) Paragraphs (a) (1), (2),...

  11. Health Insurance and Children with Disabilities

    Science.gov (United States)

    Szilagyi, Peter G.

    2012-01-01

    Few people would disagree that children with disabilities need adequate health insurance. But what kind of health insurance coverage would be optimal for these children? Peter Szilagyi surveys the current state of insurance coverage for children with special health care needs and examines critical aspects of coverage with an eye to helping policy…

  12. 22 CFR 145.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 145.31 Section 145.31 Foreign Relations DEPARTMENT OF STATE CIVIL RIGHTS GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  13. 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... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.443...

  14. 48 CFR 35.013 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Insurance. 35.013 Section... CONTRACTING RESEARCH AND DEVELOPMENT CONTRACTING 35.013 Insurance. Nonprofit, educational, or State institutions performing cost-reimbursement contracts often do not carry insurance. They may claim immunity...

  15. 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... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED...

  16. 22 CFR 62.14 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance. 62.14 Section 62.14 Foreign... § 62.14 Insurance. (a) Sponsors shall require each exchange visitor to have insurance in effect which... amount of $10,000; and (4) A deductible not to exceed $500 per accident or illness. (b) An...

  17. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Cooperative Share Loan Insurance AGENCY: Office of the Chief Information Officer, HUD... cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA insurance. This new publication will provide...

  18. 45 CFR 2543.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 false Insurance coverage. 2543.31 Section 2543.31 Public... ORGANIZATIONS Post-Award Requirements Property Standards § 2543.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  19. 32 CFR 32.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Insurance coverage. 32.31 Section 32.31 National... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 32.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  20. 15 CFR 14.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 15 Commerce and Foreign Trade 1 2010-01-01 2010-01-01 false Insurance coverage. 14.31 Section 14... COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 14.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  1. 13 CFR 120.170 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Flood insurance. 120.170 Section... to All Business Loans Requirements Imposed Under Other Laws and Orders § 120.170 Flood insurance.... 4000 et seq.)), a loan recipient must obtain flood insurance if any building (including mobile...

  2. 25 CFR 117.11 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Insurance. 117.11 Section 117.11 Indians BUREAU OF INDIAN... MEMBERS OF THE OSAGE TRIBE OF INDIANS WHO DO NOT HAVE CERTIFICATES OF COMPETENCY § 117.11 Insurance. The superintendent may obtain policies of insurance covering the restricted property, real or personal, of...

  3. 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...

  4. 30 CFR 778.18 - Insurance.

    Science.gov (United States)

    2010-07-01

    ... 30 Mineral Resources 3 2010-07-01 2010-07-01 false Insurance. 778.18 Section 778.18 Mineral... APPLICATIONS-MINIMUM REQUIREMENTS FOR LEGAL, FINANCIAL, COMPLIANCE, AND RELATED INFORMATION § 778.18 Insurance. An application shall contain either a certificate of liability insurance or evidence of...

  5. 24 CFR 320.11 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance coverage. 320.11 Section...-BACKED SECURITIES Pass-Through Type Securities § 320.11 Insurance coverage. The issuer shall maintain, for the benefit of the Association, insurance, errors and omissions, fidelity bond and other...

  6. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 36 Parks, Forests, and Public Property 3 2010-07-01 2010-07-01 false Insurance coverage. 1210.31 Section 1210.31 Parks, Forests, and Public Property NATIONAL ARCHIVES AND RECORDS ADMINISTRATION GENERAL....31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage...

  7. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Insurance coverage. 95.31 Section 95.31 Labor Office of the Secretary of Labor GRANTS AND AGREEMENTS WITH INSTITUTIONS OF HIGHER EDUCATION, HOSPITALS, AND OTHER NON... § 95.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance...

  8. 49 CFR 19.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 1 2010-10-01 2010-10-01 false Insurance coverage. 19.31 Section 19.31... Requirements Property Standards § 19.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  9. 19 CFR 351.520 - Export insurance.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 3 2010-04-01 2010-04-01 false Export insurance. 351.520 Section 351.520 Customs... Identification and Measurement of Countervailable Subsidies § 351.520 Export insurance. (a) Benefit—(1) In general. In the case of export insurance, a benefit exists if the premium rates charged are inadequate...

  10. 24 CFR 207.259 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... insurance pursuant to 24 CFR parts 251, 252, or 255, the amount of the fee set forth through Federal... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 207.259 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES...

  11. 40 CFR 30.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 1 2010-07-01 2010-07-01 false Insurance coverage. 30.31 Section 30.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 30.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  12. 20 CFR 627.415 - Insurance.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Insurance. 627.415 Section 627.415 Employees... UNDER TITLES I, II, AND III OF THE ACT Administrative Standards § 627.415 Insurance. (a) General. Each recipient and subrecipient shall follow its normal insurance procedures except as otherwise indicated...

  13. 45 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... 45 Public Welfare 1 2010-10-01 2010-10-01 false Insurance coverage. 74.31 Section 74.31 Public..., AND COMMERCIAL ORGANIZATIONS Post-Award Requirements Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  14. 48 CFR 970.2803 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Insurance. 970.2803 Section 970.2803 Federal Acquisition Regulations System DEPARTMENT OF ENERGY AGENCY SUPPLEMENTARY REGULATIONS DOE MANAGEMENT AND OPERATING CONTRACTS Bonds and Insurance 970.2803 Insurance....

  15. 33 CFR 401.23 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Liability insurance. 401.23....23 Liability insurance. (a) It is a condition of approval of an application for preclearance that the vessel is covered by liability insurance equal to or exceeding $100 per gross registered ton. (b)...

  16. 27 CFR 24.68 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Insurance coverage. 24.68... OF THE TREASURY LIQUORS WINE Administrative and Miscellaneous Provisions Claims § 24.68 Insurance... recompensed for such tax by any valid claim of insurance or otherwise. (Sec. 201, Pub. L. 85-859, 72...

  17. 22 CFR 226.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Insurance coverage. 226.31 Section 226.31...-GOVERNMENTAL ORGANIZATIONS Post-award Requirements Property Standards § 226.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  18. 2 CFR 215.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 2 Grants and Agreements 1 2010-01-01 2010-01-01 false Insurance coverage. 215.31 Section 215.31 Grants and Agreements OFFICE OF MANAGEMENT AND BUDGET CIRCULARS AND GUIDANCE Reserved UNIFORM... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  19. 17 CFR 256.924 - Property insurance.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Property insurance. 256.924... COMPANY ACT OF 1935 2. Expense § 256.924 Property insurance. (a) This account shall include the cost of insurance premiums to protect the service company against losses and damages to owned or leased...

  20. 24 CFR 232.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 232.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED...