WorldWideScience

Sample records for automobile insurance

  1. Bundled automobile insurance coverage and accidents.

    Science.gov (United States)

    Li, Chu-Shiu; Liu, Chwen-Chi; Peng, Sheng-Chang

    2013-01-01

    This paper investigates the characteristics of automobile accidents by taking into account two types of automobile insurance coverage: comprehensive vehicle physical damage insurance and voluntary third-party liability insurance. By using a unique data set in the Taiwanese automobile insurance market, we explore the bundled automobile insurance coverage and the occurrence of claims. It is shown that vehicle physical damage insurance is the major automobile coverage and affects the decision to purchase voluntary liability insurance coverage as a complement. Moreover, policyholders with high vehicle physical damage insurance coverage have a significantly higher probability of filing vehicle damage claims, and if they additionally purchase low voluntary liability insurance coverage, their accident claims probability is higher than those who purchase high voluntary liability insurance coverage. Our empirical results reveal that additional automobile insurance coverage information can capture more driver characteristics and driving behaviors to provide useful information for insurers' underwriting policies and to help analyze the occurrence of automobile accidents.

  2. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Science.gov (United States)

    2010-07-01

    ... 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 Defense... OF REASONABLE CHARGES FOR HEALTHCARE SERVICES § 220.11 Special rules for automobile...

  3. 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...

  4. Improving automobile insurance ratemaking using telematics : incorporating mileage and driver behaviour data

    OpenAIRE

    Ayuso, Mercedes

    2016-01-01

    We show how data collected from a GPS device can be incorporated in motor insurance ratemaking. The calculation of premium rates based upon driver behaviour represents an opportunity for the insurance sector. Our approach is based on count data regression models for frequency, where exposure is driven by the distance travelled and additional parameters that capture characteristics of automobile usage and which may affect claiming behaviour. We propose implementing a classical frequency model ...

  5. Separating Moral Hazard from Adverse Selection in Automobile Insurance : Longitudinal Evidence from France

    NARCIS (Netherlands)

    Dionne, G.; Michaud, P.C.; Dahchour, M.

    2004-01-01

    This paper uses longitudinal data to perform tests of asymmetric information in the French automobile insurance market for the 1995-1997 period.This market is characterized by the presence of a regulated experience-rating scheme (bonusmalus).We demonstrate that the result of the test depends crucial

  6. Study on the Automobile Insurance Damage Survey Model%汽车保险查勘定损模式的研究

    Institute of Scientific and Technical Information of China (English)

    唐洪杰

    2016-01-01

    The development of auto insurance damage survey technology for auto insurance industry has a very important role,the improvement of damage survey technology can affect the development and progress of automobile insurance industry. Based on the basic concepts of the modern automobile insurance survey,patterns,and the analysis of the survey process,this paper speculates the mode of the automobile insurance damage survey.%汽车保险查勘定损技术的发展对于汽车保险行业有着非常重要的作用,查勘定损技术的提高能够影响到汽车保险业的发展和进步。通过对当代汽车保险查勘定损的基本概念、模式和查勘流程的分析,从而构思我国未来汽车保险查勘定损的模式。

  7. 浅析我国汽车消费贷款保险%Analysis of automobile consumption loan insurance in China

    Institute of Scientific and Technical Information of China (English)

    朱彦林

    2016-01-01

    In recent years, with the improvement of people's consumption level, automobile consumption loan business gradually increased, to promote the automobile consumption loan guarantee insurance business rapid development. This paper describes the concept of car loan insurance, and detailed analysis of the problems faced by the car loan insurance, and finaly put forward the development of car loan insurance related countermeasures, to promote the rapid development of the automobile industry.%近年来,随着人们消费水平的提高,汽车消费贷款业务逐渐增多,推动汽车消费贷款保证保险业务快速发展起来。本文讲述了车贷险的概念,并详细分析了车贷险面临的问题,最后提出发展车贷险的相关对策,推动汽车产业的快速发展。

  8. 保险诈骗罪的立法缺陷及汽车保险欺诈的防治%Legislative flaws in insurance fraud crime and prevention of automobile insurance fraud

    Institute of Scientific and Technical Information of China (English)

    甘志梅; 李根发

    2012-01-01

    我国保险欺诈的形势非常严峻,车险赔款中有约20%的赔款属于欺诈索赔,保险欺诈成了我国保险业健康发展的重要威胁。分析保险欺诈罪的犯罪主体、犯罪客观、量刑标准及犯罪认定等方面的立法缺陷,提出相应的完善建议,并从八个方面探讨保险欺诈的防治措施。%The insurance fraud in China is extremely serious in contemporary society. About 20% of compensation in the automobile insurance is fraud indemnity. Insurance fraud threatens the healthy development of insurance indus- try. This paper analyzes the legislative flaws in insurance fraud crime from such perspectives as the crime subject, crime objective, penalty criteria and crime adjudication ,and proposes some suggestions to improve the situation ,and then explores the prevention measures of automobile insurance fraud from eight aspects.

  9. 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)

  10. 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.

  11. Automobile Driver Fingerprinting

    Directory of Open Access Journals (Sweden)

    Enev Miro

    2016-01-01

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

  12. 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...

  13. 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..

  14. 28 CFR 25.55 - Responsibilities of insurance carriers.

    Science.gov (United States)

    2010-07-01

    ... contain the following information: (1) The name, address, and contact information for the reporting entity... individual or entity acting as an insurance carrier conducting business within the United States shall... salvage automobile; (4) The name of the individual or entity from whom the automobile was obtained and...

  15. 我国汽车保险道德风险博弈研究--基于投保人道德风险角度%Research on the game of the moral risk of the automobile insurance in China--Based on the angle of moral hazard insured

    Institute of Scientific and Technical Information of China (English)

    赵丹娜

    2013-01-01

      从投保人的视角,利用博弈分析,研究我国车险市场存在的道德风险,力图通过为保险公司建立有效的调查机制、惩罚体系,减少车险公司因投保人一方的道德风险所引起的损失,增加车险的盈利能力。%From the perspective of the insured, with the game, the study of moral hazard existing in China's insurance market, tries to con-struct punishment investigation mechanism, effective system for the insurance company, insurance company to reduce the moral risk caused by the insured party's loss, increase the profitability of insurance.

  16. 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.

  17. Hydrogen storage for automobiles

    Energy Technology Data Exchange (ETDEWEB)

    Strickland, G.

    1979-01-01

    Results of an analysis of hydrogen-fueled automobiles are presented as a part of a continuing study conducted by Lawrence Livermore Laboratory (LLL) on Energy Storage Systems for Automobile Propulsion. The hydrogen is stored either as a metal hydride at moderate pressure in TiFe/sub 0/ /sub 9/Mn/sub 0/ /sub 1/H/sub x/ and at low pressure in MgH/sub x/ catalyzed with 10 wt % Ni, or it is stored in hollow glass microspheres at pressures up to about 400 atm. Improved projections are given for the two hydrides, which are used in combination to take advantage of their complementary properties. In the dual-hydride case and in the microsphere case where Ti-based hydride is used for initial operation, hydrogen is consumed in an internal-combustion engine; whereas in the third case, hydrogen from Ti-based hydride is used with air in an alkaline fuel cell/Ni-Zn battery combination which powers an electric vehicle. Each system is briefly described; and the results of the vehicle analysis are compared with those for the conventional automobile and with electric vehicles powered by Pb-acid or Ni-Zn batteries. Comparisons are made on the basis of automobile weight, initial user cost, and life-cycle cost. In this report, the results are limited to those for the 5-passenger vehicle in the period 1985-1990, and are provided as probable and optimistic values.

  18. Environmentally Benign Automobiles

    OpenAIRE

    Sperling, Daniel; Schipper, Lee; Deluchi, Mark; Wang, Quanlu

    1992-01-01

    His dream has come true. There's now more than one vehicle for every licensed driver in the United States, and other developed countries are not far behind. But has the car's success created the conditions for its own demise? Conventional wisdom of market researchers, consultants, and other experts is that the automobile and its petroleum-powered internal combustion engine will be with us for a long time and that any energy and environmental problems can be readily solved. T...

  19. 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)...

  20. Okoliš i automobil

    Directory of Open Access Journals (Sweden)

    Nada Štrumberger

    2012-10-01

    Full Text Available Constant increase of the number of automobiles causes demand for individual materials to get on the rise, thus giving an impulse to the development of recycling logistics. Used automobiles get disassembled and individual parts which can be used as raw materials or additives get recycled. Automobile tires can be reclaimed or vulcanized. In July 1978 the environmental-friendly "Blauer Engel" or "Blue Angel" symbol was first introduced for reclaimed tires. Later, emblems were introduced for other recycled automobile pans. The awarding of the emblem is being controlled and approved by authorized institutes, because the emblem rightfully designates traffic safety.

  1. 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.

  2. 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...

  3. Alternative propulsion for automobiles

    CERN Document Server

    Stan, Cornel

    2017-01-01

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

  4. 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)...

  5. 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...

  6. 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.

  7. Comfort model for automobile seat.

    Science.gov (United States)

    da Silva, Lizandra da; Bortolotti, Silvana Ligia Vincenzi; Campos, Izabel Carolina Martins; Merino, Eugenio Andrés Díaz

    2012-01-01

    Comfort on automobile seats is lived daily by thousands of drivers. Epistemologically, comfort can be understood under the theory of complexity, since it emerges from a chain of interrelationships between man and several elements of the system. This interaction process can engender extreme comfort associated to the feeling of pleasure and wellbeing or, on the other hand, lead to discomfort, normally followed by pain. This article has for purpose the development of a theoretical model that favours the comfort feature on automobile seats through the identification of its facets and indicators. For such, a theoretical study is resorted to, allowing the mapping of elements that constitute the model. The results present a comfort model on automobile seats that contemplates the (physical, psychological, object, context and environment) facets. This model is expected to contribute with the automobile industry for the development of improvements of the ergonomic project of seats to increase the comfort noticed by the users.

  8. 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, ...

  9. Probabilistic Insurance

    NARCIS (Netherlands)

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

    1997-01-01

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

  10. 40 CFR 600.315-82 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 29 2010-07-01 2010-07-01 false Classes of comparable automobiles. 600... 1977 and Later Model Year Automobiles-Labeling § 600.315-82 Classes of comparable automobiles. (a) The Secretary will classify automobiles as passenger automobiles or light trucks (nonpassenger automobiles)...

  11. 40 CFR 600.315-08 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 29 2010-07-01 2010-07-01 false Classes of comparable automobiles. 600... 1977 and Later Model Year Automobiles-Labeling § 600.315-08 Classes of comparable automobiles. (a) The Secretary will classify automobiles as passenger automobiles or light trucks (nonpassenger automobiles)...

  12. 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.

  13. 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…

  14. 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)...

  15. 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 experience rating scheme and a classical no-claims bonus system. An application to the Danish automobile insurance market is considered....

  16. Energy autonomous sensors in the automobile; Energieautarke Sensorik im Automobil

    Energy Technology Data Exchange (ETDEWEB)

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

    2013-04-01

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

  17. 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.

  18. 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...

  19. Roadway Automobile Stability. A Numerical Study

    OpenAIRE

    Nikolov, Svetoslav; Nedev, Valentin; Bachvarov, Stefan

    2008-01-01

    A mathematical model of the roadway automobile motion is numerically analyzed. This model is intended to describe the roadway automobile stability. A previous paper [6] described the model in detail and the general method of qualitative analysis. In the present paper, we continue the discussion of stability by numerical simulations and the specific question we attempted to answer is: which parameter(s) of automobile geometry and quality of the roadway can serve as a reliable predictor(s) for ...

  20. 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....

  1. Anhui Jianghuai Automobile Group Co., Ltd.

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

      Anhui Jianghuai Automobile Group Co., Ltd (hereafter referred to as "Jiangqi Group"),established on May 18, 1997 with approval of Anhui provincial government, is one of 12 key provincial owned enterprises. Its predecessor was Hefei Jianghuai Automobile Factory built in 1964.……

  2. Anhui Jianghuai Automobile Group Co., Ltd.

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    @@ Anhui Jianghuai Automobile Group Co., Ltd (hereafter referred to as "Jiangqi Group"),established on May 18, 1997 with approval of Anhui provincial government, is one of 12 key provincial owned enterprises. Its predecessor was Hefei Jianghuai Automobile Factory built in 1964.

  3. CRUISE FUZZY CONTROL FOR AUTOMOBILE WITH CVT

    Institute of Scientific and Technical Information of China (English)

    2001-01-01

    To develop cruise control system of an automobile with the metal pushing V-belt type CVT, the dynamic model of automobile travelling longitudinally is established, and the fuzzy controller of control system is designed. Considering uncertainty system parameter and exterior resistance disturbances, the stability of controller is investigated by simulating. The results of its simulation show that the fuzzy controller designed has practicability.

  4. 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.

  5. 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.

  6. 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...

  7. 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,...

  8. 49 CFR 529.4 - Requirements for incomplete automobile manufacturers.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 6 2010-10-01 2010-10-01 false Requirements for incomplete automobile... AUTOMOBILES § 529.4 Requirements for incomplete automobile manufacturers. (a) Except as provided in paragraph (c) of this section, §§ 529.5 and 529.6, each incomplete automobile manufacturer is considered,...

  9. Lessons from China’s automobile industry

    Institute of Scientific and Technical Information of China (English)

    刘世锦

    2009-01-01

    Two controversies have emerged in the development of China’s automobile industry.The first is the role of government approval in economy of scale,industrial concentration and redundant construction.Second is the role of foreign-funded companies in the growth of China’s automobile industry.Correct understanding of these matters offers a unique"intellectual asset"for approaching the institutional and policy matters of China’s automobile industry and other sectors.It also serves as guidance in the selection of growth patterns.

  10. Random torsional vibration in automobile transmissions

    Institute of Scientific and Technical Information of China (English)

    2003-01-01

    The action of a road profile to the torsional vibrations in automobile transmissions is studied. The model to calculate the random torsional vibrations in the transmissions is proposed and the values of the model parameters are determined by both computation and experiment. Furthermore, the dynamic characteristics and the responses of automobile transmissions to the random excitation of road profile are calculated. The results of road experiment demonstrate that the theoretic analyses and the calculation are correct, which imply that the low frequency torsional vibrations in automobile transmissions are caused by the random excitation of a road profile.

  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. 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...

  13. 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.

  14. 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.

  15. 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.

  16. 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.

  17. Federal Deposit Insurance Corporation (FDIC) Insured Banks

    Data.gov (United States)

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

  18. Future possibilities for energy-storage automobiles

    Energy Technology Data Exchange (ETDEWEB)

    O' Connell, L.G.

    1981-04-23

    Because of the potential threat of a future petroleum shortage, there is increased interest in developing alternative propulsion systems for automobiles, systems that will allow the nation to reduce its demand for petroleum by this part of the transportation sector. A four-year study which assessed the future of energy storage devices for use in automobile propulsion systems has been completed. Results of the energy storage device evaluation are presented. This includes projections of future device characteristics. In addition, the results of the propulsion system analysis are given. Future energy storage automobiles were conceptually designed and they are compared to each other and the baseline internal combustion engine vehicle for several levels of performance.

  19. Alternative health insurance schemes

    DEFF Research Database (Denmark)

    Keiding, Hans; Hansen, Bodil O.

    2002-01-01

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

  20. 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...

  1. 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...

  2. Active Engine Mount Technology for Automobiles

    Science.gov (United States)

    Rahman, Z.; Spanos, J.

    1996-01-01

    We present a narrow-band tracking control using a variant of the Least Mean Square (LMS) algorithm [1,2,3] for supressing automobile engine/drive-train vibration disturbances. The algorithm presented here has a simple structure and may be implemented in a low cost micro controller.

  3. 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…

  4. DESIGNING OF AN AUTOMOBILE FLEET NETWORK

    Directory of Open Access Journals (Sweden)

    R. B. Ivut

    2016-01-01

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

  5. 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.

  6. EVOLUTION OF INSURANCE DEFINITION

    Directory of Open Access Journals (Sweden)

    V. A. Gorb

    2011-03-01

    Full Text Available In the article the evolution of the concept of insurance from the earliest forms to contemporary ones is shown. The development of insurance in Ukraine is demonstrated. A review of transformation of the insurance concept is presented in tabular form.

  7. Insurance Sector Risk

    NARCIS (Netherlands)

    J.F. Slijkerman

    2006-01-01

    textabstractWe model and measure simultaneous large losses of the market value of insurers to understand the impact of shocks on the insurance sector. The downside risk of insurers is explicitly modelled by common and idiosyncratic risk factors. Since reinsurance is important for the capacity of ins

  8. 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…

  9. Automobile active suspension system with fuzzy control

    Institute of Scientific and Technical Information of China (English)

    刘少军; 黄中华; 陈毅章

    2004-01-01

    A quarter-automobile active suspension model was proposed. High speed on/off solenoid valves were used as control valves and fuzzy control was chosen as control method . Based on force analyses of system parts, a mathematical model of the active suspension system was established and simplified by linearization method. Simulation study was conducted with Matlab and three scale coefficients of fuzzy controller (ke, kec, ku) were acquired. And an experimental device was designed and produced. The results indicate that the active suspension system can achieve better vibration isolation performance than passive suspension system, the displacement amplitude of automobile body can be reduced to 55%. Fuzzy control is an effective control method for active suspension system.

  10. Application of Wireless Sensor Networks to Automobiles

    Science.gov (United States)

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

    2008-01-01

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

  11. Occupational injuries in automobile repair workers.

    Science.gov (United States)

    Vyas, Heer; Das, Subir; Mehta, Shashank

    2011-01-01

    Mechanics are exposed to varied work stressors such as hot noisy environments, strenuous postures, improperly designed tools and machinery and poor psycho-social environments which may exert an influence on their health and safety. The study aimed to examine the occupational injury patterns and identify work stressors associated with injury amongst automobile mechanics. A descriptive ergonomic checklist and questionnaire on general health and psycho-social issues were administered to male workers (N=153). The relative risk factors and correlation statistics were used to identify the work stressors associated with occupational injury. 63% of the workers reported injuries. Cuts were the chief injuries being reported. Poor work environment, machinery and tool characteristics, suffering from poor health and psycho-social stressors were associated with injury occurrence amongst automobile repair workers.

  12. 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.

  13. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily...... surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked...

  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. 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...

  16. 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.

  17. 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.

  18. Information, complexity and efficiency: The automobile model

    Energy Technology Data Exchange (ETDEWEB)

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

    1996-08-08

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

  19. Nonlife Insurance Pricing:

    Science.gov (United States)

    Darooneh, Amir H.

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

  20. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    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...

  1. 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...... analyzed. Approximately 74 percent of uninsured Americans are nonelderly Americans. Among the nonelderly Americans, about 17 percent are uninsured. Our findings show that insurance status varies significantly by region, age, race, gender, marital status, income, education, employment status, and health...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....

  2. 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.

  3. 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.

  4. Layoffs and Unemployment Insurance.

    Science.gov (United States)

    1979-02-01

    34 American Economic Review , December 1976, p. 754. Daniel S. Hamermesh: "Unemployment Insurance and Labor Supply," Mimeo 1978. No attempt is made in this...Unemployment Insurance on Temporary Layoff Unemployment," American Economic Review , December 1978, p. 834. Terry Halpin: "The Effect of Unemployment

  5. 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.

  6. 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 “...

  7. 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

  8. 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...

  9. Stability analysis of automobile driver steering control

    Science.gov (United States)

    Allen, R. W.

    1981-01-01

    In steering an automobile, the driver must basically control the direction of the car's trajectory (heading angle) and the lateral deviation of the car relative to a delineated pathway. A previously published linear control model of driver steering behavior which is analyzed from a stability point of view is considered. A simple approximate expression for a stability parameter, phase margin, is derived in terms of various driver and vehicle control parameters, and boundaries for stability are discussed. A field test study is reviewed that includes the measurement of driver steering control parameters. Phase margins derived for a range of vehicle characteristics are found to be generally consistent with known adaptive properties of the human operator. The implications of these results are discussed in terms of driver adaptive behavior.

  10. Methemoglobinemia secondary to automobile exhaust fumes

    Energy Technology Data Exchange (ETDEWEB)

    Laney, R.F.; Hoffman, R.S. (Department of Emergency Medicine, Morristown Memorial Hospital, NJ (United States))

    1992-09-01

    Methemoglobinemia is an uncommon cause of cyanosis. A 28-year-old male presented to the emergency department cyanotic and short of breath after exposure to noxious automobile fumes. He did not improve with the administration of 100% oxygen therapy. The initial arterial blood gas with cooximetry was: pH of 7.38, PaCO2 of 43 mm Hg, PaO2 of 118 mm Hg, measured oxygen saturation of 70%, and a methemoglobin level of 24.8%. Methylene blue was given (2 mg/kg intravenously) and the patient's symptoms resolved. On the following day he was discharged home without complication. A comprehensive review of the literature revealed no reported cases of methemoglobinemia secondary to accidental exposure to exhaust fumes.17 references.

  11. 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.

  12. Opportunities for energy harvesting in automobile factories

    Science.gov (United States)

    Adegoke, E. I.; Edwards, R. M.; Whittow, Will; Bindel, Axel; Peca, Marco

    2016-04-01

    This paper investigates the opportunities of deploying distributed sensors within the manufacturing environment of a large scale automobile plant using energy harvesting techniques. Measurements were taken in three domains at the plant in order to characterize ambient energy. Due to the location of the plant, the RF power density for radio access technologies present varied between -127 dBm/cm2 and -113 dBm/cm2. The maximum temperature difference measured within accessible distance from machine parts on the production lines surveyed was 10°C. Indoor lighting was dominant at the plant via fluorescent tubes, with average irradiance of 1 W/m2. The results obtained from this measurement campaign showed that indoor lighting was the most suitable ambient source for energy harvesting.

  13. Female identity discourse in automobile advertisements

    Directory of Open Access Journals (Sweden)

    Montserrat López Díaz

    2012-01-01

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

  14. 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.

  15. The ergonomics simulation and evaluation architecture for the automobile

    Science.gov (United States)

    Wu, Jianfeng; Yang, Ying; Sun, Shouqian; Liu, Tao

    2005-12-01

    The architecture of ergonomics simulation and evaluation for the automobile was described. Ergonomics analysis and evaluation is one of the most important processes in product design at present. This ergonomics simulation system based on the elements of ergonomics analysis and evaluation can provide an excellent solution to take human element into account earlier in the design phase and make proactive choices in automobile design than those traditional methods. Thinking of the characteristics of the automobile industry, this system adopted the anatomy-based and parameterized human model for Chinese, the simulation technique using motion editing and the mathematical models of ergonomics to solve real ergonomic design problems in the design phases.

  16. Reliability-based design for automobiles in China

    Institute of Scientific and Technical Information of China (English)

    Yimin ZHANG

    2008-01-01

    The level of automobile design and manufac-turing is an important sign of leadership in science and technology and economic power. The achievements of theories and methods for reliability-based design of auto-mobiles in China are reviewed. For reliability-based design, the theories and practices, optimization, sensitiv-ity, and robustness are estimated. The techniques of reli-ability-based design for automobiles are developed. The techniques service to the "hollow" phenomena of kernel technology, product innovative power, and independent development power can be solved.

  17. 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.

  18. 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.

  19. 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...

  20. 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...

  1. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    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......), which refines EU theory to incorporate income and predicts that property insurance is a normal good; (b) a mental accounting model based on the idea that consumers budget their income across consumption categories (Thaler, 1985); and (c) the baseline, classic EU theory, which predicts that insurance...... 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...

  2. 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...

  3. 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)

  4. Captive insurance companies.

    Science.gov (United States)

    Strauss, Peter

    2014-01-01

    The landscape of the business world is changing; and now, more than ever, business owners are recognizing that life is filled with risks: known risk, calculated risk, and unexpected risk. Every day, businesses thrive or fail based on understanding the risk of owning and operating their business, and business owners are recognizing that there are alternative risk financing mechanisms other than simply taking out a basket of standard coverage as recommended by your friendly neighborhood agent. A captive insurance company is an insurance company established to provide a broad range of risk management capabilities to affiliated companies. The captive is owned by the business owner and can provide insurance to the business for potential future losses, whether or not the losses are already covered by a commercial carrier or are "self-insured." The premiums paid by your business are tax deductible. Meanwhile, the premiums that your captive collects are tax-free up to $1.2 million annually.

  5. Analysis for the Dynamic Characteristic of the Automobile Transmission Gearbox

    Directory of Open Access Journals (Sweden)

    Fujin Yu

    2013-02-01

    Full Text Available Automobile transmission gearbox, as one of the major components, which will inevitably bring about the vibration and noise of automobile vehicle. The objective of this study to reduce the noise and vibration of automobile transmission by structural optimization of the gearbox in order to better control its functional operation and improve its performance. For this purpose, based on the working characteristics of the gearbox, modal analysis of automobile transmission gearbox is formulated using 3D graphics software Pro/E together with Finite Element Method. In addition, the modal test of gearbox is conducted also. Through comparing model analysis results to test results, test results verify the correctness of the finite element analysis results, thus provide the theoretic basis to analyze its dynamic characteristics of the gearbox structure as well as its improvement to reduce vibration and noise.

  6. Strength Check Analysis for Gear Shaft of Automobile Transmission

    OpenAIRE

    Yongxiang Li; Weiqiang Xia; Liwen Nan; Youjia Zhao; Fujin Yu

    2013-01-01

    As the main drive components of the automobile transmission, the performance of gear shaft plays an important role on transmission performance. Aiming at the existing problems of the traditional strength check method of gear shaft, the objective of this study is to take a five-speed transmission as an example, to accomplish the strength analysis of gear shaft of the automobile transmission based on the MASTA software. Furthermore, the simulation modeling of the transmission is built completel...

  7. Emissions reductions as a result of automobile improvement.

    Science.gov (United States)

    Pokharel, Sajal S; Bishop, Gary A; Stedman, Donald H; Slott, Robert

    2003-11-15

    Remote sensing of light duty vehicle on-road tailpipe exhaust has been used to measure on-road mass emissions of automobile fleets in Denver for 13 years and in two other U.S. cities for 5 years. Analysis of these fleets shows that newer automobiles, during a period of fairly constant new car standards, have become continually less polluting independent of measurement location. Improving emissions control technology spurred by federal regulations is thought to have brought about these trends.

  8. 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.

  9. Direct Numerical Simulation of Automobile Cavity Tones

    Science.gov (United States)

    Kurbatskii, Konstantin; Tam, Christopher K. W.

    2000-01-01

    The Navier Stokes equation is solved computationally by the Dispersion-Relation-Preserving (DRP) scheme for the flow and acoustic fields associated with a laminar boundary layer flow over an automobile door cavity. In this work, the flow Reynolds number is restricted to R(sub delta*) < 3400; the range of Reynolds number for which laminar flow may be maintained. This investigation focuses on two aspects of the problem, namely, the effect of boundary layer thickness on the cavity tone frequency and intensity and the effect of the size of the computation domain on the accuracy of the numerical simulation. It is found that the tone frequency decreases with an increase in boundary layer thickness. When the boundary layer is thicker than a certain critical value, depending on the flow speed, no tone is emitted by the cavity. Computationally, solutions of aeroacoustics problems are known to be sensitive to the size of the computation domain. Numerical experiments indicate that the use of a small domain could result in normal mode type acoustic oscillations in the entire computation domain leading to an increase in tone frequency and intensity. When the computation domain is expanded so that the boundaries are at least one wavelength away from the noise source, the computed tone frequency and intensity are found to be computation domain size independent.

  10. 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.

  11. 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.

  12. 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.

  13. (1) H-NMR with Multivariate Analysis for Automobile Lubricant Comparison.

    Science.gov (United States)

    Kim, Siwon; Yoon, Dahye; Lee, Dong-Kye; Yoon, Changshin; Kim, Suhkmann

    2017-02-23

    Identification of suspected automobile-related lubricants could provide valuable information in forensic cases. We examined that automobile lubricants might exhibit the chemometric characteristics to their individual usages. To compare the degree of clustering in the plots, we co-plotted general industrial oils that were highly dissimilar with automobile lubricants in additive compositions. (1) H-NMR spectroscopy was used with multivariate statistics as a tool for grouping, clustering, and identification of automobile lubricants in laboratory conditions. We analyzed automobile lubricants including automobile engine oils, automobile transmission oils, automobile gear oils, and motorcycle oils. In contrast to the general industrial oils, automobile lubricants showed relatively high tendencies of clustering to their usages. Our pilot study demonstrated that the comparison of known and questioned samples to their usages might be possible in forensic fields.

  14. 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 &...

  15. 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.

  16. 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...

  17. BUSINESS INTELLIGENCE FOR INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    A. Ignatiuk

    2016-06-01

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

  18. 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."

  19. 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.

  20. Insurance Incentives for Health Promotion.

    Science.gov (United States)

    Hosokawa, Michael C.

    1984-01-01

    To reduce the cost of reimbursements, many insurance companies have begun to use insurance incentives as a way to motivate individuals to participate in health promotion activities. Traditional health education, research and demonstration, and policy-premium incentives are methods of health promotion used by life and health insurance companies.…

  1. Retirement with Perfect Insurance

    NARCIS (Netherlands)

    G.J. Kula (Grzegorz)

    2003-01-01

    textabstractThis paper focuses on the relation between worker's productivity and retirement decision. Assuming that productivity follows geometric Brownian motion with drift, there exists such a level of productivity for which it is optimal to retire. The worker buys an insurance, which gives a cons

  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. 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.

  4. Voluntary Public Unemployment Insurance

    DEFF Research Database (Denmark)

    O. Parsons, Donald; Tranæs, Torben; Bie Lilleør, Helene

    Denmark has drawn much attention for its active labor market policies, but is almost unique in offering a voluntary public unemployment insurance program requiring a significant premium payment. A safety net program – a less generous, means-tested social assistance plan – completes the system...

  5. 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)

  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. 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.

  8. 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.

  9. Health Insurance without Single Crossing

    DEFF Research Database (Denmark)

    Boone, Jan; Schottmüller, Christoph

    2017-01-01

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

  10. 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

  11. 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.

  12. Insurance and prevention: ethical aspects.

    Science.gov (United States)

    Dubois, Mikael

    2011-02-01

    In recent decades, prevention policies--i.e., insurance policies constructed to give incentives to investments in prevention and thereby reduce reliance on insurance--have been much discussed both with regard to different kinds of market insurance and, albeit primarily within a European context and in relation to an ongoing discussion about the need for a shift towards an "active" welfare state, with regard to social insurance. The present contribution identifies normative issues that deserve attention in relation to a general introduction of prevention policies in market insurance and social insurance. It is argued that the importance of these normative issues suggests that arguments and distinctions drawn from moral and political philosophy should play a more prominent role both in the debate on the shift towards an active welfare state and the use of prevention policies in market insurance.

  13. [Medical insurance estimation of risks].

    Science.gov (United States)

    Dunér, H

    1975-11-01

    The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.

  14. 49 CFR 393.128 - What are the rules for securing automobiles, light trucks and vans?

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 5 2010-10-01 2010-10-01 false What are the rules for securing automobiles, light... automobiles, light trucks and vans? (a) Applicability. The rules in this section apply to the transportation of automobiles, light trucks, and vans which individually weigh 4,536 kg. (10,000 lb) or...

  15. 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...

  16. 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...

  17. 40 CFR 600.311-08 - Range of fuel economy for comparable automobiles.

    Science.gov (United States)

    2010-07-01

    ... automobiles. 600.311-08 Section 600.311-08 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY... Regulations for 1977 and Later Model Year Automobiles-Labeling § 600.311-08 Range of fuel economy for comparable automobiles. (a) The Administrator will determine the range of combined fuel economy values...

  18. 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...

  19. 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 §...

  20. 76 FR 31467 - Guide Concerning Fuel Economy Advertising for New Automobiles

    Science.gov (United States)

    2011-06-01

    ... CFR Part 259 Guide Concerning Fuel Economy Advertising for New Automobiles AGENCY: Federal Trade... Advertising for New Automobiles (``Fuel Economy Guide'' or ``Guide'') pending completion of ongoing review by... prevent deceptive fuel economy advertising for new automobiles and to facilitate the use of fuel...

  1. The impact of health insurance reform on insurance instability.

    Science.gov (United States)

    Freund, Karen M; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Kapoor, Alok; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Battaglia, Tracy A

    2014-02-01

    We investigated the impact of the 2006 Massachusetts health care reform on insurance coverage and stability among minority and underserved women. We examined 36 months of insurance claims among 1,946 women who had abnormal cancer screening at six community health centers pre-(2004-2005) and post-(2007-2008) insurance reform. We examined frequency of switches in insurance coverage as measures of longitudinal insurance instability. On the date of their abnormal cancer screening test, 36% of subjects were publicly insured and 31% were uninsured. Post-reform, the percent ever uninsured declined from 39% to 29% (p .001) and those consistently uninsured declined from 23% to 16%. To assess if insurance instability changed between the pre- and post-reform periods, we conducted Poisson regression models, adjusted for patient demographics and length of time in care. These revealed no significant differences from the pre- to post-reform period in annual rates of insurance switches, incident rate ratio 0.98 (95%- CI 0.88-1.09). Our analysis is limited by changes in the populations in the pre- and post-reform period and inability to capture care outside of the health system network. Insurance reform increased stability as measured by decreasing uninsured rates without increasing insurance switches.

  2. Insuring wind energy production

    Science.gov (United States)

    D'Amico, Guglielmo; Petroni, Filippo; Prattico, Flavio

    2017-02-01

    This paper presents an insurance contract that the supplier of wind energy may subscribe in order to immunize the production of electricity against the volatility of the wind speed process. The other party of the contract may be any dispatchable energy producer, like gas turbine or hydroelectric generator, which can supply the required energy in case of little or no wind. The adoption of a stochastic wind speed model allows the computation of the fair premium that the wind power supplier has to pay in order to hedge the risk of inadequate output of electricity at any time. Recursive type equations are obtained for the prospective mathematical reserves of the insurance contract and for their higher order moments. The model and the validity of the results are illustrated through a numerical example.

  3. 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....... Frequent rebalancing limits how badly the position can go off track, but costs more than infrequent rebalancing. Gap risk resulting from a down jump that penetrates the floor adds another hard-to-manage risk. In this article, Jessen comparescommon hedging strategies for CPPI and explores how well each does...

  4. Insurance with frequent trading

    OpenAIRE

    José Penalva

    1997-01-01

    This paper looks at the dynamic management of risk in an economy with discrete time consumption and endowments and continuous trading. I study how agents in such an economy deal with all the risk in the economy and attain their Pareto optimal allocations by trading in a few natural securities: private insurance contracts and a common set of derivatives on the aggregate endowment. The parsimonious nature of the implied securities needed for Pareto optimality suggests that in such contexts comp...

  5. 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.

  6. Market Energy efficient and new fuel automobile developments

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    <正>Tsinghua University develops mini electric car OUYANG Mingbao, dean of automotive engineering and director of the key national laboratory of automobile safety and energy efficiency, has recently delivered a speech on the development of mini electric car in the university.

  7. Vehicles motors and environment; Moteurs automobiles et environnement

    Energy Technology Data Exchange (ETDEWEB)

    Dionnet, F.

    2005-07-01

    This paper presents the problem of the pollutants emission by the motors of automobiles. The european regulations lead the automotive industry to develop research programs to decrease the emission level more and more difficult to raise. He discusses the new catalysts, the diesel engines, the direct injection and the natural gas fuels. (A.L.B.)

  8. Magnetic properties and heavy metal contents of automobile emission particulates

    Institute of Scientific and Technical Information of China (English)

    LU Sheng-gao; BAI Shi-qiang; CAI Jing-bo; XU Chuang

    2005-01-01

    Measurements of the magnetic properties and total contents of Cu, Cd, Pb and Fe in 30 automobile emission particulate samples indicated the presence of magnetic particles in them. The values of frequency dependent susceptibility (χfd)showed the absence of superparamagnetic (SP) grains in the samples. The IRM20 mT (isothermal remanent magnetization at 20 mT)being linearly proportional to SIRM (saturation isothermal remanent magnetization) (R2=0.901), suggested that ferrimagnetic minerals were responsible for the magnetic properties of automobile emission particulates. The average contents of Cu, Cd, Pb and Fe in automobile emission particulates were 95.83, 22.14, 30.58 and 34727.31 mg/kg, respectively. Significant positive correlations exist between the magnetic parameters and the contents of Pb, Cu and Fe. The magnetic parameters of automobile emission particulates reflecting concentration of magnetic particles increased linearly with increase of Pb and Cu content, showed that the magnetic measurement could be used as a preliminary index for detection of Pb and Cu pollution.

  9. 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 curr...

  10. 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.

  11. 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...

  12. Six changes with the new Regulations on Automobile Loans

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

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

  13. 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....

  14. Divorce your car: ending the love affair with the automobile

    Energy Technology Data Exchange (ETDEWEB)

    Alvord, K.

    2000-07-01

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

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

    Science.gov (United States)

    Stacey, Stephen; Kent, Richard

    2006-07-01

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

  16. 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.)

  17. Mind the gap; The vicious circle of measuring automobile fuel use

    Energy Technology Data Exchange (ETDEWEB)

    Schipper, L.; Figueroa, M.J.; Price, L. (Strategic Air Command, Offutt AFB, NE (United States). Aircraft Engineering Div.); Espey, M. (California Univ., Davis, CA (United States). Dept. of Agricultural Economics)

    1993-12-01

    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. 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 OECD countries. We comment briefly on the impact of these gaps on econometric estimates of the price and income elasticities of automobile fuel use. (author)

  18. 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.

  19. Bankruptcy as Implicit Health Insurance

    OpenAIRE

    Neale Mahoney

    2012-01-01

    This paper examines the interaction between health insurance and the implicit insurance that people have because they can file (or threaten to file) for bankruptcy. With a simple model that captures key institutional features, I demonstrate that the financial risk from medical shocks is capped by the assets that could be seized in bankruptcy. For households with modest seizable assets, this implicit “bankruptcy insurance” can crowd out conventional health insurance. I test these predictions u...

  20. Polímeros e a indústria automobilística Polymers and the automobile industry

    Directory of Open Access Journals (Sweden)

    Carlos A. Hemais

    2003-06-01

    Full Text Available Gradativamente, devido a razões econômicas e tecnológicas, nos últimos trinta anos, os plásticos passaram a ocupar um lugar de destaque como um dos materiais mais utilizados pela indústria automobilística. Este trabalho tem por objetivo identificar a intensidade do uso de polímeros pela indústria automobilística brasileira. Inicialmente é apresentada uma classificação dos polímeros, de acordo com suas características técnicas e econômicas. Em seguida, é feita uma breve explanação sobre a indústria de polímeros no Brasil, bem como sobre a indústria automobilística, com seu grande potencial de atrair inovações tecnológicas. São apresentados, também, os principais polímeros com aplicação no automóvel. Por último, é discutida a questão da inovação tecnológica na indústria brasileira de polímeros, tendo como fator catalisador a indústria automobilística.Gradually, owing to economic and technological reasons, in the last thirty years, plastics have gained an increasing presence in automobiles. This paper examines the use of plastics in the Brazilian car industry. First, polymers are classified according to their technical and economic characteristics. The paper then reports briefly on the Brazilian polymer industry, as well as on the auto industry, focusing on its great potential for attracting technological innovations. The main applications for plastics in cars are also outlined. Finally, the paper discusses the question of technological innovation in the Brazilian polymer industry, with the auto industry as a catalyst.

  1. 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.

  2. Insurance Giants Join In

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Opinions differ over the wisdom of insurance companies that have invested in the Beijing-Shanghai high-speed railway program After more than 10 years of careful ex- amination and research,construction of the Beijing-Shanghai high-speed railway will start soon.The line, which is expected to begin operation in 2010,will be built with the most advanced technology and the highest single investment in China’s railway building history. The budget for the 1,318-km track is about

  3. 78 FR 11604 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-02-19

    ... (``FDI Act'') depositor preference regime, and would therefore be on an equal footing with domestic... insured deposit. The FDI Act, 12 U.S.C. 1811, et seq., mandates the payment of deposit insurance ``as soon... the financial markets of the United States. See FDI Act section 11(f), 12 U.S.C. 1821(f). The...

  4. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... depositor has ever lost a penny of an insured deposit. The Federal Deposit Insurance Act (``FDI Act'') \\1... could affect deposits in a particular location. \\1\\ 12 U.S.C. 1811, et seq. \\2\\ See FDI Act section 11(f...(l) of the FDI Act.\\3\\ Since the establishment of the FDIC in 1933, Congress has made...

  5. 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.

  6. 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.

  7. 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.

  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. 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.

  10. 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...

  11. 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

  12. Research Into Automobile Movement on a Curve Under Winter Conditions

    Directory of Open Access Journals (Sweden)

    Kristina Kemzūraitė

    2012-01-01

    Full Text Available The article analyzes the movement of the car on the curve on the slippery and snowy road surface with asphalted ruts. The paper reviews literature related to lateral and longitudinal vehicle acceleration and dynamics of vehicle movement. The experimental facts of vehicle lateral acceleration are given in graphical charts. The article also describes the acceleration values and stability of the automobile depending on the speed in the curve. The findings are given based on the results.Article in Lithuanian

  13. 130 Modeling of the automobile suspension by the functional model

    OpenAIRE

    桐山, 啓; 角田, 鎭男; 長松, 昭男; 御法川, 学; 岩原, 光男; Kiriyama, Akira; Sumida, Shizuo; Nagamatsu, Akio; Minorikawa, Gaku; Iwahara, Mitsuo

    2003-01-01

    Modeling for an action simulation is performed focusing on the suspension system of a car using the modeling technique called the functional model that had been developed by one of the authors. Simulation analysis of the suspension system of a car was performed in the three dimensional field. It was shown that the method based on the modeling concept of functional model can express the general dynamic characteristic of the automobile suspension.

  14. Automobile shredder residue: some recycling, resource recovery and disposal options

    Energy Technology Data Exchange (ETDEWEB)

    Day, M. [National Research Council of Canada, Inst. for Chemical Process and Environmental Technology, Ottawa, ON (Canada)

    2001-07-01

    Obsolete automobiles are the most recycled high-volume consumer product, with a recovery rate of between 75 and 80 per cent by weight. Ferrous scrap metal from old automobiles in North America amounts to about 10 million tons per year. However, each ton of steel that is recovered, produces about 300 kg of automobile shredder residue (ASR), comprised of plastics, rubber, glass, foam, and textiles, contaminated by oil and other fluids. All combined, this represents about 0.3 million tons of waste materials from the 22 shredders in Canada. This amount is likely to increase as the amount of steel in automobiles decreases due to downsizing and weight reduction, emphasizing the need for new resource recovery and application techniques to deal with the ASR problem. This paper describes a number of new initiatives primarily in two areas: separation technologies, ranging from selective disassembly to physical/mechanical/chemical separation processes, and pyrolysis techniques for the recovery of valuable hydrocarbon resources contained in the plastics in the ASR. Recycling of the material into high performance composite materials, such as additives to concrete for increased tensile strength, shrinkage and crack resistance, without adverse effect on other properties such as durability and workability, also received attention. Energy recovery options and engineered landfilling wherein ASR is used as a landfill day cover material, are some other techniques that show considerable promise. In landfill applications the high absorption capacity of ASR for heavy metals such as lead, its high compressibility, erosion resistance, and good traction make it a highly desirable choice for use as day cover material. 25 refs.

  15. MANAGEMENT TOOLS USED IN THE AUTOMOBILE INDUSTRY IN BRAZIL

    OpenAIRE

    Beuren, Ilse Maria; Universidade Regional de Blumenau - FURB; Guth, Sérgio Cavagnoli; Universidade Regional de Blumenau - FURB

    2010-01-01

    The durability of business strategies is diminishing at the same rate as the rhythm of environmental changes is increasing, which implies the necessity for uninterrupted transformations and processes of restructuring within organizations. From this perspective, this work’s objective is to demonstrate the management tools that were, are or will be used in those automobile industries established in Brazil. To this purpose, an empirical descriptive study, in the form of a survey, was conducted e...

  16. Coatings Manufacturing Technology for China's Automobile Industry Conference

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    China's automobile industry is experiencing continued phenomenal growth with the first 11 months of 2003 seeing an output of over 4 million units.This has lead to a huge growth in the consumption of automotive coatings with a 30% growth expected in 2004,reaching 200,000 tons-compared to a 7% average growth for the coatings industry as a whole.Output is predieted to reach 300,000 tons by 2010!

  17. 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.

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

    Science.gov (United States)

    Kelley, Ben

    2017-01-23

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

  19. Chang Jiang and Her "Automobiles and China" Program

    Institute of Scientific and Technical Information of China (English)

    1996-01-01

    ANCHORWOMAN Chang Jiang of China Central Television (CCTV) enjoys popularity for her Automobiles and China program, which she writes and hosts. The program which started in 1994 aroused a comparatively strong response in the society because of its serious and deep thought about this absorbing topic. It took her twenty months to finish this program. Hundreds of people were interviewed and five notebooks were filled with reference materials. The script was revised seven times.

  20. FOREIGN EXPERIENCE IN INTERNET INSURANCE OPERATION

    Directory of Open Access Journals (Sweden)

    A. Tlusta

    2015-04-01

    Full Text Available This paper examines the current state and characteristics of the relationship between the insurance entities in the implementation of online insurance in foreign countries. Studied the basic conditions and development trends of the Internet insurance market in the process of informatization of insurance companies. The basic concept of interaction between the subjects of the insurance market through the website were noticed. The study reveals the necessity and expediency of using new approaches of the acquisition of insurance services via Internet. The problems of implementation and development of online insurance remains valid for all countries, regardless of the state of the insurance market and the financial market as a whole.

  1. INSURANCE - A RISK COVERING STRATEGY

    Directory of Open Access Journals (Sweden)

    Marius Dan GAVRILETEA

    2014-12-01

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

  2. Strength Check Analysis for Gear Shaft of Automobile Transmission

    Directory of Open Access Journals (Sweden)

    Yongxiang Li

    2013-09-01

    Full Text Available As the main drive components of the automobile transmission, the performance of gear shaft plays an important role on transmission performance. Aiming at the existing problems of the traditional strength check method of gear shaft, the objective of this study is to take a five-speed transmission as an example, to accomplish the strength analysis of gear shaft of the automobile transmission based on the MASTA software. Furthermore, the simulation modeling of the transmission is built completely to simulate the actual load conditions and complete the process of analysis for the gear shaft. Analytical results show that all gear shafts can fully meet the strength requirements, in addition to the input shaft which has any further improvements. Hence, it is indicated that a new design concept is put forward, that is, using specialized software MASTA for transmission modeling and simulation analysis can heavily improve the design level of the gear shaft, provide the theoretic basis to analyze the dynamic characteristics of gear shaft as well. Finally, it can provide references for the development and application of gear shaft of the automobile transmission.

  3. 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.

  4. Des automobiles et des hommes : les débuts de l'Automobile Club Dauphinois (1899-1904)

    OpenAIRE

    Arriola, Élodie

    2008-01-01

    Publication partielle du vol. 1 (22 p. sur 143).; Dès son invention, l'automobile passionne les hommes. Son introduction dans la société est le résultat de l'action de quelques hommes, des passionnés de modernité qui voient en ce nouveau moyen de transport une façon d'affirmer la suprématie de l'homme sur la machine et le temps. En Isère, ces hommes s'organisent autour de l'Automobile Club Dauphinois (ACD), dès la fin du XIXe siècle. L'aventure de l'ACD est remarquable. Cette association uniq...

  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. 75 FR 66806 - Nationwide Life Insurance Company, et al.,

    Science.gov (United States)

    2010-10-29

    ... COMMISSION Nationwide Life Insurance Company, et al., Notice of Application October 25, 2010. AGENCY...: Nationwide Life Insurance Company (``NWL''), Nationwide Life and Annuity Insurance Company (``NLAIC... contracts and/or variable life insurance policies issued by the Insurance Companies (collectively,...

  7. 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.

  8. Assessment of Lateral Driving Stability of Automobiles Passing by the Pylon Zone under Cross Wind

    OpenAIRE

    Dalei Wang; Airong Chen

    2012-01-01

    In order to explore the reason of lateral instability of automobile passing by the pylon zone of cablesupported bridge under cross wind, a new evaluation method of lateral driving stability of automobile considering alternative cross wind is established based on multi-objective driving stability criteria and subjective assessment. Typical driving control process and dynamic response of automobile passing by the pylon zone is given by numerical simulation based on steering wheel fixed-control ...

  9. Effect of automobile operating condition on the subjective equivalence of steering wheel vibration and sound

    OpenAIRE

    2007-01-01

    For the manufacturers of automobiles, automobile components and fuels, subjective equivalence relationships between vibration and sound can be used as a reference against which to plot the results from simulations or tests of specific operational conditions. The research described here was performed to define curves of subjective equivalence between steering wheel rotational vibration and sound using stimuli from different automobile operating conditions. The steering wheel acceleration stimu...

  10. High oil price compel automobile to 'slim',Light metal castings enjoy great popularity

    Institute of Scientific and Technical Information of China (English)

    2007-01-01

    @@ The fuel consumption of automobiles has a close relationship with their weight, and due to short supply and high prices of energy sources, numerous automakers are trying every means to make the automobile "slim" (or less heavy).According to available data, every 100-kg reduction in automobile weight will result in a 0.3-liter gasoline saving for every hundred kilometers of driving. Therefore, automobile parts with light weight, thin wall, excellent dimensional accuracy and high strength and toughness become the development trend.

  11. [The surgeons civil responsibility insurance].

    Science.gov (United States)

    Santovito, D

    2004-10-01

    After a short research in the field national insurances, the author analyses the professional physician insurance policy; the ambiguity and difficulty of contracts concerning the professional health activity of surgeon, whether as state employee or as independent professional are pointed put. With the introduction of the ministerial decree dated January 29,1992, the new labour agreement, the privacy law, the evolution of ''informed consent'', the esthetic injury concept, the safety regulations law and the administrative liability, surgeons must pay attention to draw up an insurance policy suitable to their profession.

  12. Monopoly Insurance and Endogenous Information

    DEFF Research Database (Denmark)

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2017-01-01

    We study a monopoly insurance model with endogenous information acquisi- tion. Through a continuous effort choice, consumers can determine the precision of a privately observed signal that is informative about their accident risk. The equilibrium effort is, depending on parameter values, either...... zero (implying symmetric information) or positive (implying privately informed consumers). Regardless of the nature of the equilibrium, all offered contracts, also at the top, involve underinsurance, which discourages information gathering. We identify a missorting effect that explains why the insurer...... wants to discourage information acquisition. Moreover, lower information gathering costs can hurt both consumer and insurer....

  13. Life insurance after malignant disease.

    Science.gov (United States)

    Fitzgerald, R H

    1981-11-01

    Forty-five life insurance companies responded to a questionnaire on insurance industry attitudes towards patients with a history of malignancy other than skin carcinoma. Although the criteria for acceptance, provisions of the policy, and philosophy about adjuvant treatment varied, all companies would underwrite such patients provided that at application there was no evidence of persistent or recurrent disease or severe complications of therapy. The concept of excess mortality (observed death rates versus standard expected death rates) is used with other factors in calculating premiums. Legal and ethical responsibilities of physicians associated with insurance applications are briefly discussed.

  14. 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...

  15. The insurance and risk management industries: new players in thedelivery of energy-efficient and renewable energy products andservices

    Energy Technology Data Exchange (ETDEWEB)

    Mills, Evan

    2001-11-26

    The insurance industry is typically considered to have little concern about energy issues. However, the historical involvement by insurers and allied industries in the development and deployment of familiar loss-prevention technologies such as automobile air bags, fire prevention/suppression systems, and anti-theft devices, shows that this industry has a tradition of utilizing technology to improve safety and otherwise reduce the likelihood of losses for which they would otherwise have to pay. Through an examination of the connection between risk management and energy efficiency, we have identified nearly 80 examples of energy-efficient and renewable energy technologies that offer''loss-prevention'' benefits, and have mapped these opportunities onto the appropriate segments of the very diverse insurance sector (life, health,property, liability, business interruption, etc.). Some insurers and risk managers are beginning to recognize these previously un-noticed benefits.This paper presents the business case for insurer involvement in energy efficiency and documents case studies of insurer efforts along these lines. We review steps taken by 52 forward-looking insurers and reinsurers, 5 brokers, and 7 insurance organizations, and 13non-insurance organizations in the energy-efficiency arena. The approaches can be grouped into the categories of: information, education,and demonstration; financial incentives; specialized policies and products; direct investment to promote energy efficiency and renewables; value-added customer services and inspections; efficient codes,standards, and policies; research and development; and in-house energy management in insurer-owned properties. Specific examples include reduced premiums for architects and engineers who practice building commissioning(reduces risk of property loss and liability-related claims), insurer promotion of improved indoor air quality practices (mitigating life,health, and liability risks), and

  16. WORLD INSURANCE MARKET DEVELOPMENT UNDER DIGITALIZATION

    Directory of Open Access Journals (Sweden)

    T. Motashko

    2016-06-01

    Full Text Available The role of digitalization in the insurance market is investigated, the advantages of digital technology to the insurance market are considered. The main trends of world insurance market under digitalization are analyzed. Key landmarks of insurance companies in modern conditions are distinguished.

  17. Trouble with Your Liability Insurance? Here's Why.

    Science.gov (United States)

    AGB Reports, 1985

    1985-01-01

    The insurance industry is in trouble, which means problems for colleges and universities--especially in the area of liability insurance. Some strategies for higher education are discussed, including risk-management programs, self-insurance, catastrophic or excess insurance, and risk-management consortia. (MLW)

  18. Willingness to Pay for Insurance in Denmark

    DEFF Research Database (Denmark)

    Hansen, Jan V.; Højbjerg Jacobsen, Rasmus; Lau, Morten I.

    We estimate the maximum amount that Danish households are willing to pay for three different types of insurance: auto, home and house insurance. We use a unique combination of claims data from the largest private insurance company in Denmark, measures of individual risk attitudes and discount rates...... of the insurance claims....

  19. 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.

  20. 76 FR 44199 - Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions

    Science.gov (United States)

    2011-07-22

    ... Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions; Proposed Rule... OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 407 RIN 0563-AC25 Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions AGENCY: Federal Crop...

  1. 78 FR 38483 - Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions

    Science.gov (United States)

    2013-06-26

    ... Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions; Final Rule #0...; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 407 RIN 0563-AC25 Area Risk Protection Insurance Regulations and Area Risk Protection Insurance Crop Provisions AGENCY: Federal...

  2. 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...

  3. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Science.gov (United States)

    2013-09-23

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life... Insurance (SGLI), Family SGLI, SGLI Traumatic Injury Protection, and Veterans' Group Life Insurance (all...-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information...

  4. HUD Insured Multifamily Properties (NGDA)

    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...

  5. 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...

  6. 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.

  7. 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

  8. Social insurance for health service.

    Science.gov (United States)

    Roemer, M I

    1997-06-01

    Implementation of social insurance for financing health services has yielded different patterns depending on a country's economic level and its government's political ideology. By the late 19th century, thousands of small sickness funds operated in Europe, and in 1883 Germany's Chancellor Bismarck led the enactment of a law mandating enrollment by low-income workers. Other countries followed, with France completing Western European coverage in 1928. The Russian Revolution in 1917 led to a National Health Service covering everyone from general revenues by 1937. New Zealand legislated universal population coverage in 1939. After World War II, Scandinavian countries extended coverage to everyone and Britain introduced its National Health Service covering everyone with comprehensive care and financed by general revenues in 1948. Outside of Europe Japan adopted health insurance in 1922, covering everyone in 1946. Chile was the first developing country to enact statutory health insurance in 1924 for industrial workers, with extension to all low-income people with its "Servicio Nacional de Salud" in 1952. India covered 3.5 percent of its large population with the Employees' State Insurance Corporation in 1948, and China after its 1949 revolution developed four types of health insurance for designated groups of workers and dependents. Sub-Saharan African countries took limited health insurance actions in the late 1960s and 1970s. By 1980, some 85 countries had enacted social security programs to finance or deliver health services or both.

  9. A Review of Voiture Minimum. Le Corbusier and the Automobile

    Directory of Open Access Journals (Sweden)

    Christoph Schnoor

    2013-03-01

    Full Text Available Here is a full-on celebration of cars and someone’s addiction to cars. In its midst drives Le Corbusier. The book, Voiture Minimum. Le Corbusier and the Automobile (Cambridge, Mass. and London: MIT Press, 2011, has recently been published by Spanish architect and academic Antonio Amado. What a curious book. It is something between a detective story circling around determining the date of a single drawing (1928 or 1936 and, simultaneously, it is “Everything you always wanted to know about Le Corbusier and cars but were afraid to ask”.

  10. 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.

  11. Wireless Monitoring of Automobile Tires for Intelligent Tires.

    Science.gov (United States)

    Matsuzaki, Ryosuke; Todoroki, Akira

    2008-12-09

    This review discusses key technologies of intelligent tires focusing on sensors and wireless data transmission. Intelligent automobile tires, which monitor their pressure, deformation, wheel loading, friction, or tread wear, are expected to improve the reliability of tires and tire control systems. However, in installing sensors in a tire, many problems have to be considered, such as compatibility of the sensors with tire rubber, wireless transmission, and battery installments. As regards sensing, this review discusses indirect methods using existing sensors, such as that for wheel speed, and direct methods, such as surface acoustic wave sensors and piezoelectric sensors. For wireless transmission, passive wireless methods and energy harvesting are also discussed.

  12. Automobile Transmission Shift Control Based on MMAS and BP Networks

    Directory of Open Access Journals (Sweden)

    Jianxue Chen

    2013-08-01

    Full Text Available The neural network control model of automobile automatic transmission has been developed, which make the optimum shift decision based on the vehicle velocity, the vehicle acceleration and the throttle opening. The MAX-MIN ant syste (MMAS is introduced to train the neural network weights and thresholds. The basic theory and steps of MMAS algorithm are given, and applied in the automatic transmission shift control. Experimental results show that the automatic transmission shift control system based on MMAS, comparing to the system based on ACO-BP, has better capability of gear recognition, and can make shift decision promptly and effectively.

  13. 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.

  14. 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...

  15. ABOUT CERTIFICATION IN THE AUTOMOBILE FIELD (in Russian

    Directory of Open Access Journals (Sweden)

    Victor NORDIN

    2012-07-01

    Full Text Available The transport industry development in the Russian Federation makes urgent the problem of transportation security, rendering qualitative services in the goods (passengers transportation field, checkup and repairing motor transport vehicle and etc. Certification is the basic mechanism the work of which should be directed not only at the conformity of service assessment at automobile transport to the specified requirements but also be a regulator of preventing negative developments due to implementing services quality and security improvement. Particularities and stages of conformity assessment are considered in the article also it is offered to differentiate transportation services in levels according to the value of their complex quality level.

  16. Wireless Monitoring of Automobile Tires for Intelligent Tires

    Directory of Open Access Journals (Sweden)

    Akira Todoroki

    2008-12-01

    Full Text Available This review discusses key technologies of intelligent tires focusing on sensors and wireless data transmission. Intelligent automobile tires, which monitor their pressure, deformation, wheel loading, friction, or tread wear, are expected to improve the reliability of tires and tire control systems. However, in installing sensors in a tire, many problems have to be considered, such as compatibility of the sensors with tire rubber, wireless transmission, and battery installments. As regards sensing, this review discusses indirect methods using existing sensors, such as that for wheel speed, and direct methods, such as surface acoustic wave sensors and piezoelectric sensors. For wireless transmission, passive wireless methods and energy harvesting are also discussed.

  17. 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.

  18. Photorealistic ray tracing to visualize automobile side mirror reflective scenes.

    Science.gov (United States)

    Lee, Hocheol; Kim, Kyuman; Lee, Gang; Lee, Sungkoo; Kim, Jingu

    2014-10-20

    We describe an interactive visualization procedure for determining the optimal surface of a special automobile side mirror, thereby removing the blind spot, without the need for feedback from the error-prone manufacturing process. If the horizontally progressive curvature distributions are set to the semi-mathematical expression for a free-form surface, the surface point set can then be derived through numerical integration. This is then converted to a NURBS surface while retaining the surface curvature. Then, reflective scenes from the driving environment can be virtually realized using photorealistic ray tracing, in order to evaluate how these reflected images would appear to drivers.

  19. 46 CFR 308.103 - Insured amounts under interim binder.

    Science.gov (United States)

    2010-10-01

    ... INSURANCE War Risk Hull and Disbursements Insurance § 308.103 Insured amounts under interim binder. (a... chapter. (b) Insurance risks. Insurance risks covered by the terms of the standard form of war risk hull... insurance additional to the war risk hull insurance provided under this subpart, and payment of claim......

  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. 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...

  2. 41 CFR 102-34.45 - How are passenger automobiles classified?

    Science.gov (United States)

    2010-07-01

    ... MANAGEMENT Obtaining Fuel Efficient Motor Vehicles § 102-34.45 How are passenger automobiles classified... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false How are passenger automobiles classified? 102-34.45 Section 102-34.45 Public Contracts and Property Management Federal...

  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. 77 FR 63917 - WTO Dispute Settlement Proceeding Regarding China-Certain Measures Affecting the Automobile and...

    Science.gov (United States)

    2012-10-17

    ... Subsidies and Countervailing Measures (``SCM Agreement''). In addition, it appears that China has failed to... Measures for the Administration of National Export Bases of Automobiles and Parts and Components (for Trial... Administration of National Export Bases of Automobiles and Parts and Components (Revised Draft); MOFCOM,...

  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. Application of high-strength steel sheets for automobiles in Japan; Utilisation des aciers a haute resistance dans l'industrie automobile au Japon

    Energy Technology Data Exchange (ETDEWEB)

    Takita, M.; Ohashi, H. [Nippon Steel Corporation (United Kingdom)

    2001-10-01

    In Japan, automobile and steel engineers are working together for automotive body weight reduction. They are focusing on weight reduction from the point of view of both body structure and material. In order to meet the increasingly severe requirements for weight reduction, aiming at the limitation of the fuel consumption, an expansion in the range of application of HSS is vital. To realize further reduction, joint research by steelmakers and automobile manufacturers will become increasingly important. (authors)

  7. 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.

  8. Automobile shredder residue : a waste or a resource

    Energy Technology Data Exchange (ETDEWEB)

    Day, M. [National Research Council of Canada, Ottawa, ON (Canada). Inst. for Chemical Process and Environmental Technology

    2000-07-01

    In recent years several recycling and resource recovery technologies have been tested for the challenging task of recycling automobile shredder residues (ASR) with varying degrees of success. ASR is the nonrecyclable residue that remains after recyclable metals are extracted from old automobiles. The use of ASR as a landfill day cover seems to be a viable alternative for this material. Scientific evidence suggests that ASR is capable of acting as a sponge for heavy metals. The absorption capacity of ASR for heavy metal lead was presented along with evaluations for both standard leaching test protocols and dynamic column testing. Compared to soil, ASR has a greater absorption capacity for heavy metals such as lead. ASR also has other desirable features that make it an ideal choice for landfill day cover. For example, ASR provides a stable mat for vehicle traffic, minimizes erosion due to rainfall run off and is less prone to dusting. ASR is also capable of compression to less than 5 cm when overfilled. This conserves landfill volume and allows excavated soil to be used for other purposes. In addition, the use of ASR could prevent contamination of groundwater by preventing the leaching of heavy metals from landfills. 12 refs., 5 tabs., 2 figs.

  9. Automobile shredded residue valorisation by hydrometallurgical metal recovery.

    Science.gov (United States)

    Granata, Giuseppe; Moscardini, Emanuela; Furlani, Giuliana; Pagnanelli, Francesca; Toro, Luigi

    2011-01-15

    The aim of this work was developing a hydrometallurgical process to recover metals from automobile shredded residue (or car fluff). Automobile shredded residue (ASR) was characterised by particle size distribution, total metal content and metal speciation in order to guide the choice of target metals and the operating conditions of leaching. Characterisation results showed that Fe is the most abundant metal in the waste, while Zn was the second abundant metal in the fraction with diameter lower than 500 μm. Sequential extractions denoted that Zn was easily extractable by weak acid attack, while Fe and Al required a strong acid attack to be removed. In order to recover zinc from leaching tests were operated using acetic acid, sulphuric acid and sodium hydroxide at different concentrations. Sulphuric acid determined the highest zinc extraction yield, while acetic acid determined the highest zinc extractive selectivity. Sodium hydroxide promoted an intermediate situation between sulphuric and acetic acid. Zn recovery by electro winning using acetic leach liquor determined 95% of Zn electro deposition yield in 1h, while using sulphuric leach liquor 40% yield in 1h and 50% yield in 2h were obtained. Simulation results showed that the sulphuric leaching process was more attractive than acetic leaching process.

  10. 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.

  11. ASSES SMENT OF PREVALENCE OF HEALTH PROBLEMS AMONG AUTOMOBILE WORKERS

    Directory of Open Access Journals (Sweden)

    Pradeep P.

    2015-06-01

    Full Text Available BACKGROUND: The global automotive repair and maintenance service industries are expected to be worth almost $306 billion by 2015. The automotive service sectors currently are having employees an estimated 787 , 77702 and increasing at rate of 12% per annum. AIMS & OBJECTIVES: ( 1 To assess the prevalence morbidities among automobile workers (2 To increase the awareness about safety (PPE at work place (3 To motivate about social security schemes coverage. MATERIAL & METHODS: A cross - sectional study was carried out in the territory area of IMSR M edical C ollage of Satara districts. The total no of 117 participants were included for the study. A pretested , predesigned Prof o rma was used to collect the Information’s under supervisi on & analyzed & interpreted with help of percentages & chi square test. RESULT: About 32.76% were only having less than 10 years of service. 68.41% of subjects have dropped their study before high school. Only 25.74% have their own garage , along with 29.25 % of subjects were having specialized training. PPE was available with 29.25% of subjects. Stress , Muscle/bony pain & dyspepsia along with bowl disorders were significant morbidities observed. CONCLUSION: P revalence of morbidities is significant in this st udy & need more medical attention towards automobile workers.

  12. 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.

  13. 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.

  14. Delegating to the automobile: experimenting with automotive restraints in the 1970s.

    Science.gov (United States)

    Wetmore, Jameson M

    2015-04-01

    This article explores the attempts in the United States in the 1970s to implement a new paradigm for automobile safety-crashworthiness, the idea that automobile passengers should be protected in the event of a crash. A large number of strategies were proposed, including air bags, seatbelt modifications, mandatory belt-use laws, and ignition interlocks. Many of these did not initially come to fruition, but they did give the automobile safety community a chance to experiment with different ways of distributing responsibilities between automobile occupants, automobile manufacturers, and, to a lesser extent, government agencies. These experiments helped pave the way for the successful implementation of a number of new strategies in the 1980s, 1990s, and 2000s.

  15. Drug coverage insurance as a novel element of private health insurance in Poland.

    Science.gov (United States)

    Czerw, Aleksandra; Religioni, Urszula

    2013-01-01

    In recent years, there have been observed increased costs of health care in Poland. The patient's out of pocket expenses on drug have grown too. To the above, the insurance companies have offered patients drug coverage insurance policies since recently. Drug insurance policy covers the cost of purchasing pharmaceutical products not reimbursed by the National Health Fund is a modern product on the Polish health insurance market. The aim of the article is to characterize drug coverage insurance policies on the health insurance market in Poland. The Polish insurance market and entities offered these types of insurance are also presented.

  16. 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...

  17. 40 CFR 52.2301 - Federal compliance date for automobile and light-duty truck coating. Texas Air Control Board...

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 4 2010-07-01 2010-07-01 false Federal compliance date for automobile... PROMULGATION OF IMPLEMENTATION PLANS (CONTINUED) Texas § 52.2301 Federal compliance date for automobile and..., automobile and light-duty truck coating operations were to have complied with final control limits of §...

  18. 77 FR 29922 - Guides for the Rebuilt, Reconditioned and Other Used Automobile Parts Industry, Request for Comments

    Science.gov (United States)

    2012-05-21

    ... CFR Part 20 Guides for the Rebuilt, Reconditioned and Other Used Automobile Parts Industry, Request... FTC's ``Guides for the Rebuilt, Reconditioned and Other Used Automobile Parts Industry.'' DATES... used parts (e.g., engines and transmissions). The Commission first addressed the used automobile...

  19. 19 CFR 123.51 - Commercial samples transported by automobile through Canada between ports in the United States.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Commercial samples transported by automobile... Commercial samples transported by automobile through Canada between ports in the United States. (a) General... samples by automobile through Canada to another place in the United States without displaying the...

  20. 19 CFR 123.52 - Commercial samples transported by automobile through the United States between ports in Canada.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Commercial samples transported by automobile... Commercial samples transported by automobile through the United States between ports in Canada. (a) General... sealed samples in his automobile without further sealing in the United States, upon compliance with...

  1. 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...

  2. 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...

  3. 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.

  4. 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.

  5. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, Mette; Hochguertel, Stefan

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  6. 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...... a 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....

  7. 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

  8. 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.

  9. 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...

  10. [Hypertension, smoking and life insurance].

    Science.gov (United States)

    Lund-Johansen, P

    1975-11-01

    The insurance companies' data on blood-pressure and longevity have certainly contributed to the trend among both laymen and doctors to take hypertension more seriously. Smoking is also of special interest, having proved to be a clear risk-factor in coronary disease. It holds a unique position, in that - at least theoretically - it would be possible to eliminate. The insurance companies could undoubtedly contribute to an altered attitude towards the problem of smoking. Non-smokers might be granted a bonus and heavy smokers be charged an additional premium.

  11. 75 FR 13147 - Integrity Life Insurance Company, et al.;

    Science.gov (United States)

    2010-03-18

    ... COMMISSION Integrity Life Insurance Company, et al.; Notice of Application March 10, 2010. AGENCY: Securities...: Integrity Life Insurance Company (``Integrity''), Separate Account I of Integrity Life Insurance Company (``Integrity Separate Account I''), Separate Account II of Integrity Life Insurance Company...

  12. 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...

  13. 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...

  14. 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...

  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 Normative Foundations of (Social) Insurance

    DEFF Research Database (Denmark)

    Landes, Xavier

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

  17. 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.

  18. 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...

  19. THE EVOLUTION OF INSURANCE MARKET IN ROMANIA

    Directory of Open Access Journals (Sweden)

    Florea Ianc Maria Mirabela

    2013-04-01

    Full Text Available Insurance is the economic activity that individuals and businesses are threatened by some danger that, if it would cause damage to health or even life or they can destroy property, agree to remove the financial effects of possible losses transfer to specialized companies in exchange for a sum of money. The specialized companies agree to take over and compensate the financial effects of production risk are called companies or insurance companies. The transfer of the possible financial losses from risk bearers insurance companies called insurance. The insurance and reinsurance operations are conducted in a regulated framework that brings together supply and demand of insurance, insurance market framework known. The insurance market is performing most specific contracts.

  20. 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 public...

  1. 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.

  2. Thermal valorisation of automobile shredder residue: injection in blast furnace.

    Science.gov (United States)

    Mirabile, Daphne; Pistelli, Maria Ilaria; Marchesini, Marina; Falciani, Roberta; Chiappelli, Lisa

    2002-01-01

    Wastes with residual heating value, according to the trend of the world legislation, could be thermally reused. The present study is conducted to verify the possibility of thermal valorisation of a waste, denominated fluff, by injection in blast furnace. The fluff, arising from the automobile shredder operations, is a waste characterised by a high organic matrix and is potentially dangerous due to the heavy metals, oils filter and halogenated plastics content. The first step of the work is the chemical, physical and toxicological characterisation of this material. Then the fluff injection in a blast furnace tuyere is theoretically analysed with a mathematical model. Finally, experimental trials are conducted in a pilot plant, simulating the most important part of the blast furnace: the raceway, in order to analyse process and industrial aspects. In view of an industrial application a first economical evaluation is carried out on the basis of model and experimental results.

  3. Mechanical behavior of plastic materials for automobile cockpit module

    Science.gov (United States)

    Woo, Changsu.; Park, Hyunsung.; Jo, Jinho.

    2013-12-01

    Engineering plastics are used in instrument panels, interior trims, and other vehicle applications, and the thermo-mechanical behaviors of plastic materials are strongly influenced by many environmental factors such as temperature, sunlight, and rain. As the material properties change, the mechanical parts create unexpected noise. In this study, the dynamic mechanical property changes of plastics used in automobiles are measured to investigate the effect of temperature. Visco-elastic properties such as the glass transition temperature and storage modulus and loss factors under temperature and frequency sweeps were measured. The data results were compared with the original ones before aging to analyze the behavioral changes. It was found that as the temperature increased, the storage modulus decreased and the loss factor increased slightly.

  4. 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.

  5. Catalytically and noncatalytically treated automobile exhaust: biological effects in rats

    Energy Technology Data Exchange (ETDEWEB)

    Cooper, G.P. (Univ. of Cincinnati); Lewkowski, J.P.; Hastings, L.; Malanchuk, M.

    1977-12-01

    Chronic exposure to catalytically treated or noncatalytically treated automobile exhaust significantly depressed the spontaneous locomotor activity (SLA) of rats. Exposure to H/sub 2/SO/sub 4/ alone or CO at comparable levels did not alter the SLA. Exposure to noncatalytically treated exhaust resulted in significant reductions in growth rate and food and water intake. However, these effects were not evident in the exposure to catalytically treated exhaust or in the control H/sub 2/SO/sub 4/ and CO exposures. Blood acid-base analyses indicated that exposure to either catalytically treated exhaust or H/sub 2/SO/sub 4/ elicits a metabolic alkalosis, while exposure to CO alone results in a metabolic acidosis. All acid-base parameters were within the normal range several weeks after the termination of exposure.

  6. PRIORITY DISPATCH SCHEDULING IN AN AUTOMOBILE REPAIR AND MAINTENANCE WORKSHOP

    Directory of Open Access Journals (Sweden)

    KOYEJO OYEBOLA T.

    2011-10-01

    Full Text Available This research work applied a simulation model in determining the optimal number of artisans to employ to carry out routine checks on vehicles on a waiting line. The waiting line under consideration is that of an automobile repair and maintenance workshop in South- Western Nigeria. The data collection was based on arrival pattern of vehicles and service pattern of artisans in the maintenance workshop. A discrete distribution was assumed for both the inter–arrival and service time patterns. An optimal number of 7 servers serving one queue were obtained as against 4 servers and 1 queue in the system in use. There was also a savings in cost of N2.45 Million per month when compared to the system in use. The results of this research work will be significant and important for decision making.

  7. Dynamic modelling of household automobile transactions within a microsimulation framework

    Energy Technology Data Exchange (ETDEWEB)

    Mohammadian, A.

    2002-07-01

    This thesis presents a newly developed dynamic model of household automobile transactions within an integrated land-use transportation and environment (ILUTE) modeling system framework. It is a market-based decision-making tool for use by individuals who have to choose between adding new vehicles to a fleet, disposing of vehicles, trading one of the vehicles of a fleet, or do-nothing. Different approaches were used within the model, including an artificial neural network, hedonic price, regression, and vehicle class and vintage choices. The model can also predict the complex activity of individuals' behaviour to become active in the market. An estimation approach was used to incorporate the vehicle type choice model into the main dynamic transaction choice model.

  8. 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.

  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. Development of High-Temperature Superconducting DC Motor for Automobiles

    Science.gov (United States)

    Oyama, Hitoshi; Shinzato, Tsuyoshi

    In recent years, electrification of automobiles is in progress. Following the advent of passenger electric vehicles, large size commercial vehicles with electric drive are also being developed. One of the problems in the development of large electric vehicles is the heavy weight which leads to short driving distances. Energy saving by the use of high-efficiency motors will be a solution. The authors have developed a prototype electric vehicle equipped with a high-temperature superconducting (HTS) motor and a refrigerator. The test results showed that the motor has torque of 136 Nm and an output of 30 kW, and the prototype vehicle obtains the maximum speed of 80 km/h.

  11. 76 FR 70510 - Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance...

    Science.gov (United States)

    2011-11-14

    ... MANAGEMENT Federal Employees' Group Life Insurance Program: New Federal Employees' Group Life Insurance... Management (OPM) is announcing changes in premiums for certain Federal ] Employees' Group Life Insurance... coincided with the implementation of the Federal Employees' Life Insurance Improvement Act, Public Law...

  12. 41 CFR 60-300.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-300.25 Section 60-300.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  13. 41 CFR 60-250.25 - Health insurance, life insurance and other benefit plans.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 1 2010-07-01 2010-07-01 true Health insurance, life insurance and other benefit plans. 60-250.25 Section 60-250.25 Public Contracts and Property Management..., life insurance and other benefit plans. (a) An insurer, hospital, or medical service company,...

  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. 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.

  16. COMPULSORY INSURANCE OF CIVIL LIABILITY IN RUSSIA

    OpenAIRE

    Malik, M.; I. Semenchuk

    2014-01-01

    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.

  17. The Complexity of E-Insurance

    Directory of Open Access Journals (Sweden)

    Marius GAVRILETEA

    2006-01-01

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

  18. 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.

  19. Life cycle optimization of automobile replacement: model and application.

    Science.gov (United States)

    Kim, Hyung Chul; Keoleian, Gregory A; Grande, Darby E; Bean, James C

    2003-12-01

    Although recent progress in automotive technology has reduced exhaust emissions per mile for new cars, the continuing use of inefficient, higher-polluting old cars as well as increasing vehicle miles driven are undermining the benefits of this progress. As a way to address the "inefficient old vehicle" contribution to this problem, a novel life cycle optimization (LCO) model is introduced and applied to the automobile replacement policy question. The LCO model determines optimal vehicle lifetimes, accounting for technology improvements of new models while considering deteriorating efficiencies of existing models. Life cycle inventories for different vehicle models that represent materials production, manufacturing, use, maintenance, and end-of-life environmental burdens are required as inputs to the LCO model. As a demonstration, the LCO model was applied to mid-sized passenger car models between 1985 and 2020. An optimization was conducted to minimize cumulative carbon monoxide (CO), non-methane hydrocarbon (NMHC), oxides of nitrogen (NOx), carbon dioxide (CO2), and energy use over the time horizon (1985-2020). For CO, NMHC, and NOx pollutants with 12000 mi of annual mileage, automobile lifetimes ranging from 3 to 6 yr are optimal for the 1980s and early 1990s model years while the optimal lifetimes are expected to be 7-14 yr for model year 2000s and beyond. On the other hand, a lifetime of 18 yr minimizes cumulative energy and CO2 based on driving 12000 miles annually. Optimal lifetimes are inversely correlated to annual vehicle mileage, especially for CO, NMHC, and NOx emissions. On the basis of the optimization results, policies improving durability of emission controls, retiring high-emitting vehicles, and improving fuel economies are discussed.

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

    Science.gov (United States)

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

    2014-12-01

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

  1. How Does Ambiguity Affect Insurance Decisions

    Science.gov (United States)

    1990-05-01

    Risks,"Journal of Risk and Insurance , 40, 231-243. [20] Stone, J., (1973b) "A Theory of Capacity and the Insurance of Catastrophic Risks,"Journal of Risk ... and Insurance 40, 339-355. [21] Hogarth, Robin and Kunreuther, Howard (1989a) "Risk, Ambiguity and In- surance" Journal of Risk and Uncertainty 2:5

  2. 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)....

  3. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2014-03-01

    Full Text Available 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.

  4. FUNDING OF ACCIDENT INSURANCE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    O. Gamankova

    2016-03-01

    Full Text Available The paper deals with the peculiarities of financial provision of public and private accident insurance. Analyzes the methodology of forming insurance premium rates in private accident insurance. The study examines the practice of reforming the financial security of the state social insurance against accidents. The results show need to implement scientifically proven approach to determining premium rates in the state social insurance based on mathematical statistics and actuarial calculations to ensure that such conditions on the one hand, can insure the risk, and the other - to provide the insurer the ability to perform insurance obligations' commitments. One of the promising areas of improvement Accident Insurance determines to define increasing the role of the private sector to create and attraction of investments, financing, reduce costs, and provision of insurance services on insurance against accidents at a qualitatively higher level. The results show the need to consider the usefulness of a mixed provision of services to accident insurance under state or non-state system, and the viability and effectiveness of the combination of these systems.

  5. Entrepreneurial Moral Hazard in Income Insurance

    NARCIS (Netherlands)

    Ejrnaes, Mette; Hochguertel, Stefan

    2008-01-01

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

  6. Cancer survival disparities by health insurance status.

    Science.gov (United States)

    Niu, Xiaoling; Roche, Lisa M; Pawlish, Karen S; Henry, Kevin A

    2013-06-01

    Previous studies found that uninsured and Medicaid insured cancer patients have poorer outcomes than cancer patients with private insurance. We examined the association between health insurance status and survival of New Jersey patients 18-64 diagnosed with seven common cancers during 1999-2004. Hazard ratios (HRs) with 95% confidence intervals for 5-year cause-specific survival were calculated from Cox proportional hazards regression models; health insurance status was the primary predictor with adjustment for other significant factors in univariate chi-square or Kaplan-Meier survival log-rank tests. Two diagnosis periods by health insurance status were compared using Kaplan-Meier survival log-rank tests. For breast, colorectal, lung, non-Hodgkin lymphoma (NHL), and prostate cancer, uninsured and Medicaid insured patients had significantly higher risks of death than privately insured patients. For bladder cancer, uninsured patients had a significantly higher risk of death than privately insured patients. Survival improved between the two diagnosis periods for privately insured patients with breast, colorectal, or lung cancer and NHL, for Medicaid insured patients with NHL, and not at all for uninsured patients. Survival from cancer appears to be related to a complex set of demographic and clinical factors of which insurance status is a part. While ensuring that everyone has adequate health insurance is an important step, additional measures must be taken to address cancer survival disparities.

  7. Forecasting claims in motor vehicle insurance

    NARCIS (Netherlands)

    Berridge, S.J.

    1998-01-01

    The forecasting of claims is central to the successful operation of an insurance company. Based on six years of claim and policy data for full cover car insurance from a major New Zealand insurance company, we set premiums for rating categories using a simple credibility method, a modified credibili

  8. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    Antonio, K.

    2008-01-01

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

  9. Stochastic Cooperative Games in Insurance and Reinsurance

    NARCIS (Netherlands)

    Suijs, J.P.M.; De Waegenaere, A.M.B.; Borm, P.E.M.

    1996-01-01

    This paper shows how problems in `non life'-insurance and `non life'-reinsurance can be modelled simultaneously as cooperative games with stochastic payoffs.Pareto optimal allocations of the risks faced by the insurers and the insureds are determined.It is shown that the core of the corresponding in

  10. 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 and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS REQUIREMENTS FOR... Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any...

  11. 49 CFR Appendix A- to Part 544... - Appendix A- to Part 544 Insurers of Motor Vehicle Insurance Policies Subject to the Reporting...

    Science.gov (United States)

    2010-10-01

    ... Family Insurance Group American International Group Auto Club Enterprise Insurance Group 1 Auto-Owners... American Family Insurance Group American International Group Auto Club Enterprise Insurance Group...

  12. The impact of insurance coverage during insurance reform on diagnostic resolution of cancer screening abnormalities.

    Science.gov (United States)

    Kapoor, Alok; Battaglia, Tracy A; Isabelle, Alexis P; Hanchate, Amresh D; Kalish, Richard L; Bak, Sharon; Mishuris, Rebecca G; Shroff, Swati M; Freund, Karen M

    2014-02-01

    We examined the impact of Massachusetts insurance reform on the care of women at six community health centers with abnormal breast and cervical cancer screening to investigate whether stability of insurance coverage was associated with more timely diagnostic resolution. We conducted Cox proportional hazards models to predict time from cancer screening to diagnostic resolution, examining the impact of 1) insurance status at time of screening abnormality, 2) number of insurance switches over a three-year period, and 3) insurance history over a three-year period. We identified 1,165 women with breast and 781 with cervical cancer screening abnormalities. In the breast cohort, Medicaid insurance at baseline, continuous public insurance, and losing insurance predicted delayed resolution. We did not find these effects in the cervical cohort. These data provide evidence that stability of health insurance coverage with insurance reform nationally may improve timely care after abnormal cancer screening in historically underserved women.

  13. AMERICAN SHARE INSURANCE: THE SOLE SURVIVING PRIVATE DEPOSIT INSURER IN THE UNITED STATES

    Directory of Open Access Journals (Sweden)

    Stephanie O. Crofton

    2010-01-01

    Full Text Available Founded in 1974, American Share Insurance (ASI is an insurer for deposits in credit unions and it is the sole surviving private primary deposit insurer in the US. We assess reasons why ASI survived when numerous other deposit insurance systems did not. These reasons include ASI’s policy of insuring only credit unions, its geographic diversification, its efforts to shed the quasi-governmental nature of other nonfederal deposit insurers, its covering only stronger depositories, its ability to draw funding from stronger insured institutions as needed, and its use of incentives for improved performance among its insured institutions. While the severity of the effects of the housing, financial, and economic crises on depositories and their insurers is yet to become fully clear, ASI’s performance up to the Summer of 2009 points to a set of practices that could help buttress other government and private deposit insurers in the US and abroad.

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

    Directory of Open Access Journals (Sweden)

    Abass, OlufemiAdebowale

    2016-11-01

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

  15. 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.

  16. Edge determination algorithm of game road for intelligent automobile based on plane array CCD

    Institute of Scientific and Technical Information of China (English)

    CHEN Zhi-kun; WANG Fu-bin; PAN Xiao-di; LIU Jie; HUANG Chang-fa

    2009-01-01

    The contribution factor of automobile movement stability on the structure feature of seek road intelligent automobile chassis was analyzed. The kinematic model of linear two-degree freedom for intelligent automobile was established. The noise influence to the image of game road on the image rebuilding of different acquisition data of game road was analyzed. The threshold for image division was determined by the statistical analysis to grey histogram of game road image. This method indicates its adaption to CCD image of low distinguish ability.

  17. 14 CFR 198.7 - Amount of insurance coverage available.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.7 Amount of insurance coverage available. (a) For... arising from any risk. In the case of hull insurance, the amount insured may not exceed the reasonable... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Amount of insurance coverage available....

  18. Consumer choice of social health insurance in managed competition.

    NARCIS (Netherlands)

    Kerssens, J.J.; Groenewegen, P.P.

    2003-01-01

    Objective: To promote managed competition in Dutch health insurance, the insured are now able to change health insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to

  19. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

    Objective To promote managed competition in Dutch health insurance, the insured are now able to change heaith insurers. They can choose a health insurer with a low flat-rate premium, the best supplementary insurance and/or the best service. As we do not know why people prefer one health insurer to a

  20. Life Insurance Basics: A Self-Help Workbook for Consumers.

    Science.gov (United States)

    Saskatchewan Consumer and Commercial Affairs, Regina.

    This booklet provides consumers with an overview of information about life insurance. Chapter 1, "Why Life Insurance?" outlines the primary purposes of life insurance coverage and presents basic facts about the Canadian life insurance industry. Chapter 2, "Do I Need Life Insurance?" discusses life insurance coverage at specific age levels and…

  1. PRIVATE OR PUBLIC PENSION INSURANCE?

    Directory of Open Access Journals (Sweden)

    Bogomil Manov

    2013-03-01

    Full Text Available The most recent trends in population dynamics and increased longevity risk have provoked a rigorous debate whether the private or the public pension insurance system should be predominant. The public pension insurance is dominated by the state that guarantees its stability, but is often compared to a pyramid or a Ponzi scheme. The private pension insurance provides personal retirement accounts and proper ownership of the accumulated funds, but its sustainability during prolonged market crises and inadequate risk sharing are often questioned. In order to address the issue, this study analyzes and compares a large set of arguments and popular opinions in favour and against both pension models. As a result of the study, a conclusion is drawn stating that both types of pension insurance, despite of their positive and negative features have their essential role nowadays. This study is part of a growing set of articles on the feasibility of using a proper combination of the two pension models and will contribute to future research on the topic and might benefit policymakers in taking an appropriate decision.

  2. Active Chinese Space Insurance Broker

    Institute of Scientific and Technical Information of China (English)

    LiuJie

    2005-01-01

    Aming to become a competitive world commercial launch service provider and satellite provider, Chineseto adapt itselfoperation. New space industry tries to the commercial ssues appear in various areas in the effort such as commercial insurance arrangement for satellites and launch services.

  3. Dynamic Insurance and Adverse Selection

    NARCIS (Netherlands)

    M.C.W. Janssen (Maarten); V.A. Karamychev (Vladimir)

    2001-01-01

    textabstractWe take a dynamic perspective on insurance markets under adverse selection and study a generalized Rothschild and Stiglitz model where agents may differ with respect to the accidental probability and their expenditure levels in case an accident occurs. We investigate the nature of dynami

  4. Risk transfer solutions for the insurance industry

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2009-01-01

    Full Text Available The paper focuses on the traditional and alternative mechanisms for insurance risk transfer that are available to global as well as to domestic insurance companies. The findings suggest that traditional insurance risk transfer solutions available to insurance industry nowadays will be predominant in the foreseeable future but the increasing role of alternative solutions is to be expected as the complementary rather than supplementary solution to traditional transfer. Additionally, findings suggest that it is reasonable to expect that future development of risk transfer solutions in Serbia will follow the path that has been passed by global insurance industry.

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

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1996-11-01

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

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

    Directory of Open Access Journals (Sweden)

    Radkevich, M.

    2013-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

    Gan, Lin

    2001-08-01

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

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

    OpenAIRE

    Radkevich, M.

    2013-01-01

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

  9. Main factors influencing the fall of sales in the Russian automobile market

    Directory of Open Access Journals (Sweden)

    Anastasiya A. Kurilova

    2016-01-01

    Full Text Available Objective to identify the negative factors affecting the development of the Russian automobile market. Methods systemic approach generalization and comparison of results method of induction. The findings are based on the research results and observations obtained with the comparativehistorical dialecticalsynthetic and abstractlogical methods. Results basing on data of the International organization of motor vehicle manufacturers OICA the rate of vehicles overproduction worldwide was determined the analysis of motorization index in various countries allowed to form the forecast for the development of automotive fleet in Russia basing on the analysis of macroeconomic data the main factors influencing the development of the Russian automobile market were determined. Scientific novelty the regularities of dynamics of development of the global and Russian automobile markets were revealed. The factors influencing the Russian car market were identified. Practical significance the Russian car manufacturers can use information about the development of the global and Russian automobile markets to create plans for their activities. nbsp

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

    Science.gov (United States)

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

  11. Entrepreneurial Moral Hazard in Income Insurance

    DEFF Research Database (Denmark)

    Ejrnæs, Mette; Hochguertel, Stefan

    We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI......-embedded, government-subsidized early retirement (ER) program, giving benefits that are unrelated to business risk. Indeed, we argue that the self-employeds' incentives to insure themselves stem from the ER plan rather than from the UI cover. We show how to use a policy reform to identify moral hazard in observed...... transitions to unemployment when insurance is a choice variable. We use administrative (register) panel data covering 10% of the Danish population. We find that the insured are indeed more likely to transit into unemployment than the uninsured, once we properly instrument for the insurance choice....

  12. Considerations on Albanian Life Insurance Market

    Directory of Open Access Journals (Sweden)

    Gentiana Sharku

    2011-03-01

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

  13. Insuring catastrophes and the role of governments

    Directory of Open Access Journals (Sweden)

    M. M. Boyer

    2013-08-01

    Full Text Available 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 (reinsurers 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. Recent developments in health insurance, life insurance, and disability insurance case law.

    Science.gov (United States)

    Hasman, Joseph J; Chittenden, William A; Doolin, Elizabeth G; Wall, Julie F

    2008-01-01

    This survey reviews significant state and federal court decisions from 2006 and 2007 involving health, life, and disability insurance. Also reviewed is a June 2008 Supreme Court decision in the disability insurance realm, affirming that a conflict of interest exists when an ERISA plan sponsor or insurer fulfills the dual role of determining plan benefits and paying those benefits but noting that the conflict is merely one factor in considering the legality of benefit denials. In addition, this years' survey includes compelling decisions in the life and health arena, including cases addressing statutory penalties and mandated benefits, as well as some ERISA decisions of note. This year, the Texas Supreme Court held that Texas's most recent version of the prompt payment statute abolished the common law interpleader exception and allowed the prevailing adverse claimant in an interpleader action filed beyond the sixty-day statutory period to recover statutory interest and attorney fees from the insurer. Meanwhile, the Court of Appeals of New York upheld the constitutionality of a statute mandating coverage for contraceptives in those employer-sponsored health plans that offer prescription drug coverage, including those plans sponsored by faith-based social service organizations. In the ERISA context, litigants continue to fight over the standard of review with varying results. In a unique assault on the arbitrary and capricious standard of review, the Fourth Circuit found that an ERISA plan abused its discretion when it failed to apply the doctrine of contra proferentem to construe ambiguous plan terms against itself. In more hopeful news for plan insurers, the Tenth Circuit held that claimants are not entitled to review and rebut medical opinions generated during the administrative appeal of a claim denial before a final decision is reached unless such reports contain new factual information.

  15. Research on Integrated Casting and Forging Process of Aluminum Automobile Wheel

    OpenAIRE

    Zhang, Qi; Cao, Miao; ZHANG, DAWEI; Zhang, Shuai; Sun, Jue

    2014-01-01

    Integrated casting and forging process (ICFP) is a new manufacturing method combining the advantages of both casting and forging. Aluminum structure parts, such as aluminum alloy automobile wheel, with complex shape and excellent mechanical properties can be produced by this process. The effects of different process parameters on the ICFP of the automobile wheel were simulated by Forge software. Microstructure of forging region and the nonforging region were studied by experiment. The results...

  16. Self-Healing Concept for Damaged Composite Structure of Automobile Bonnet

    Directory of Open Access Journals (Sweden)

    Park Hyunbum

    2016-01-01

    Full Text Available In this work, a structural design and analysis on automobile bonnet using natural flax fiber composite is performed. Through the structural analyses using commercial FEM software, it is confirmed that the designed automobile bonnet using natural composite is acceptable for structural safety. And also, the damage is a critical problem in composites during their service in structural applications. Therefore, study on self-healing concept of bonnet structure was performed.

  17. The Feasibility Study of the Waste Heat Air—Conditioning System for Automobile

    Institute of Scientific and Technical Information of China (English)

    Gui-pingLin; Xiu-ganYuan; 等

    1994-01-01

    In this paper,the feasibility of application of a solid-absorption system using ammonia and chlorides as working pair to automobile air-conditioning system is investigated.This system has the advantages of minimum environmental problem and utilizing waste heat from the automobile engine as thermal energy input.Analyses show that the main problem associated with the application of solid-absorption system is the size of the reactors.Techniques to solve this problem are discussed.

  18. Studies on pyrolysis and gasification of automobile shredder residue in China.

    Science.gov (United States)

    Ni, Feijian; Chen, Ming

    2014-10-01

    With increasing automobile ownerships in China, the number of end-of-life vehicles has also rapidly increased. However, the automobile shredder residue generated during the dismantling of end-of-life vehicles in China is not treated properly and has caused great resource waste and environmental problems. In this work, automobile shredder residue from a domestic end-of-life vehicles dismantling company was comprehensively studied through element analysis, combustion heat experiment, proximate analysis, and thermogravimetric analysis. The feasibility of using pyrolysis combined with gasification to treat and recycle automobile shredder residue was investigated. The produced gas, oil, and residue yield was measured and the correlation between their yield and the experimental temperature and ratio of air to automobile shredder residue feed was studied. It is found that when ratio of air and experimental temperature are 1.5 mol kg(-1) and 900 °C, respectively, the heat energy of the gas produced per kilogram treated automobile shredder residue reaches a maximum value of 11.28 MJ. The characteristics of pyrolysis oil and solid residue were studied. The solid residue takes up 4.65%~5.57% of the original end-of-life vehicles weight. This greatly helps to reach the target of a 95% recycling rate.

  19. 76 FR 24572 - Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment Request

    Science.gov (United States)

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Application for Ordinary Life Insurance) Activity: Comment... Insurance, Replacement Insurance for Modified Life Reduced at Age 65, National Service Life Insurance, VA Form 29-8485. b. Application for Ordinary Life Insurance, Replacement Insurance for Modified...

  20. Car insurance information management system

    OpenAIRE

    Sun, Yu

    2015-01-01

    A customer information system is a typical information management system. It involves three aspects, the backstage database establishment, the application development and the system maintenance. A car insurance information management system is based on browser/server structure. Microsoft SQL Server establishes the backstage database. Active Server Pages, from Microsoft as well is used as the interface layer. The objective of this thesis was to apply ASP to the dynamic storage of a web page...

  1. Earthquake Disaster Management and Insurance

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    As one of the most powerful tools to reduce the earthquake loss, the Earthquake Disaster Management [EDM] and Insurance [EI] have been highlighted and have had a great progress in many countries in recent years. Earthquake disaster management includes a series of contents, such as earthquake hazard and risk analysis, vulnerability analysis of building and infrastructure, earthquake aware training, and building the emergency response system. EI, which has been included in EDM after this practice has been...

  2. REPORTING OF COMMERCIAL INSURANCE COMPANIES: EVIDENCE FROM THE CZECH REPUBLIC

    OpenAIRE

    Jiřina Bošková

    2007-01-01

    The subject of insurance companies is to provide insurance protection based on commercial principles. All changes in the society are directly reflected in the insurance activity. New risks apperar and therfore new insurance products appear as well. The insurance business intervenes into all areas of the economic and social life in the Czech Republic. Insurance companies cannot be treated only as companies offering insurance protection, but also as important investors who, as a result of their...

  3. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

    This book is different from all other books on Life Insurance by at least one of the following characteristics 1-4. 1. The treatment of life insurances at three different levels: time-capital, present value and price level. We call time-capital any distribution of a capital over time: (*) is the time-capital with amounts Cl, ~, ... , C at moments Tl, T , ..• , T resp. N 2 N For instance, let (x) be a life at instant 0 with future lifetime X. Then the whole oO oO life insurance A is the time-capital (I,X). The whole life annuity ä is the x x time-capital (1,0) + (1,1) + (1,2) + ... + (I,'X), where 'X is the integer part ofX. The present value at 0 of time-capital (*) is the random variable T1 T TN Cl V + ~ v , + ... + CNV . (**) In particular, the present value ofA 00 and ä 00 is x x 0 0 2 A = ~ and ä = 1 + v + v + ... + v'X resp. x x The price (or premium) of a time-capital is the expectation of its present value. In particular, the price ofA 00 and äx 00 is x 2 A = E(~) and ä = E(I + v + v + ... + v'X...

  4. Comparative Frictional Analysis of Automobile Drum and Disc Brakes

    Directory of Open Access Journals (Sweden)

    H.P. Khairnar

    2016-03-01

    Full Text Available 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 have been compared with the similar obtained from virtual Matlab/Simulink models for drum and disc brakes. The results evidenced that friction radius predominantly affects brake pressure and thus the friction coefficient, also the increase in contact force resulted with decrease in friction coefficient both for drum and disc brakes. Further it has been found that disc brakes exhibit gradual decrease of friction coefficient due to the equitable distribution of braking effort while drum brake presents sudden variations in friction coefficient. It can be revealed that frictional behaviour of disc brake is more consistent than drum brake.

  5. Automobile Shredder Residues in Italy: characterization and valorization opportunities.

    Science.gov (United States)

    Fiore, S; Ruffino, B; Zanetti, M C

    2012-08-01

    At the moment Automobile Shredder Residue (ASR) is usually landfilled worldwide, but European draft Directive 2000/53/CE forces the development of alternative solutions, stating the 95%-wt recovery of an End of Life Vehicle (ELV) weight to be fulfilled by 2015. This work describes two industrial tests, each involving 250-300 t of ELVs, in which different pre-shredding operations were performed. The produced ASR materials underwent an extended characterization and some post-shredding processes, consisting of dimensional, magnetic, electrostatic and densimetric separation phases, were tested on laboratory scale, having as main purpose the enhancement of ASR recovery/recycling and the minimization of the landfilled fraction. The gathered results show that accurate depollution and dismantling operations are mandatory to obtain a high quality ASR material which may be recycled/recovered and partially landfilled according to the actual European Union regulations, with particular concern for Lower Heating Value (LHV), heavy metals content and Dissolved Organic Carbon (DOC) as critical parameters. Moreover post-shredding technical solutions foreseeing minimum economic and engineering efforts, therefore realizable in common European ELVs shredding plants, may lead to multi-purposed (material recovery and thermal valorization) opportunities for ASR reuse/recovery.

  6. Weight Penalty Incurred in Thermoelectric Recovery of Automobile Exhaust Heat

    Science.gov (United States)

    Rowe, D. M.; Smith, J.; Thomas, G.; Min, G.

    2011-05-01

    Thermoelectric recovery of automobile waste exhaust heat has been identified as having potential for reducing fuel consumption and environmentally unfriendly emissions. Around 35% of combustion energy is discharged as heat through the exhaust system, at temperatures which depend upon the engine's operation and range from 800°C to 900°C at the outlet port to less than 50°C at the tail-pipe. Beneficial reduction in fuel consumption of 5% to 10% is widely quoted in the literature. However, comparison between claims is difficult due to nonuniformity of driving conditions. In this paper the available waste exhaust heat energy produced by a 1.5 L family car when undergoing the new European drive cycle was measured and the potential thermoelectric output estimated. The work required to power the vehicle through the drive cycle was also determined and used to evaluate key parameters. This enabled an estimate to be made of the engine efficiency and additional work required by the engine to meet the load of a thermoelectric generating system. It is concluded that incorporating a thermoelectric generator would attract a penalty of around 12 W/kg. Employing thermoelectric modules fabricated from low-density material such as magnesium silicide would considerably reduce the generator weight penalty.

  7. Optimization of Thermoelectric Components for Automobile Waste Heat Recovery Systems

    Science.gov (United States)

    Kumar, Sumeet; Heister, Stephen D.; Xu, Xianfan; Salvador, James R.

    2015-10-01

    For a typical spark ignition engine approximately 40% of available thermal energy is lost as hot exhaust gas. To improve fuel economy, researchers are currently evaluating technology which exploits exhaust stream thermal power by use of thermoelectric generators (TEGs) that operate on the basis of the Seebeck effect. A 5% improvement in fuel economy, achieved by use of TEG output power, is a stated objective for light-duty trucks and personal automobiles. System modeling of thermoelectric (TE) components requires solution of coupled thermal and electric fluxes through the n and p-type semiconductor legs, given appropriate thermal boundary conditions at the junctions. Such applications have large thermal gradients along the semiconductor legs, and material properties are highly dependent on spatially varying temperature profiles. In this work, one-dimensional heat flux and temperature variations across thermoelectric legs were solved by using an iterative numerical approach to optimize both TE module and TEG designs. Design traits were investigated by assuming use of skutterudite as a thermoelectric material with potential for automotive applications in which exhaust gas and heat exchanger temperatures typically vary from 100°C to over 600°C. Dependence of leg efficiency, thermal fluxes and electric power generation on leg geometry, fill fractions, electric current, thermal boundary conditions, etc., were studied in detail. Optimum leg geometries were computed for a variety of automotive exhaust conditions.

  8. KEY FACTORS INFLUENCING PURCHASE INTENTIONS TOWARDS AUTOMOBILES IN PAKISTAN

    Directory of Open Access Journals (Sweden)

    SYED NAVEED ALTAF

    2016-04-01

    Full Text Available 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 will be useful to both managers in the auto industry as well as policy makers. It will help managers in the auto industry to gain a better understanding of consumer intentions and identify the factors which influence them. Policy makers in Pakistan’s auto sector would benefit from the insights of this study when developing the long overdue Auto Policy. Analysis of the data collected has revealed that the three key factors identified from studies in other Asian countries are also relevant for Pakistani auto consumers.

  9. Keep the driver in control: Automating automobiles of the future.

    Science.gov (United States)

    Banks, Victoria A; Stanton, Neville A

    2016-03-01

    Automated automobiles will be on our roads within the next decade but the role of the driver has not yet been formerly recognised or designed. Rather, the driver is often left in a passive monitoring role until they are required to reclaim control from the vehicle. This research aimed to test the idea of driver-initiated automation, in which the automation offers decision support that can be either accepted or ignored. The test case examined a combination of lateral and longitudinal control in addition to an auto-overtake system. Despite putting the driver in control of the automated systems by enabling them to accept or ignore behavioural suggestions (e.g. overtake), there were still issues associated with increased workload and decreased trust. These issues are likely to have arisen due to the way in which the automated system has been designed. Recommendations for improvements in systems design have been made which are likely to improve trust and make the role of the driver more transparent concerning their authority over the automated system.

  10. (Auto-)mobile data acquisition and measurement data management

    Energy Technology Data Exchange (ETDEWEB)

    Kneuer, E.; Schwartze, S. [Werum Datenverarbeitungssysteme GmbH, Lueneburg (Germany)

    2001-07-01

    This lecture introduces a concept of measurement technology with video integration for commercial vehicles. We would like to present DAVIS-CAR, a system for mobile data acquisition. It enables the simultaneous evaluation of video data and test data and consists of mobile as well as of stationary components in a client/server architecture. The product DAVIS-CAR is suitable not only for testing entire vehicles but for external suppliers developing vehicle components or for analysing a person's driving performance. Even for completely stationary systems DAVIS-CAR provides advantages in situations when video data are recorded to get additional information on tests. The mobile server collects the data of the driving car. The storage of these data can be triggered either manually or by events derived from signal states. The stationary system is capable of administering the measurement data and the associated Meta information from several mobile systems at the same time and of providing this information to the connected clients. The ASAM-ODS interface facilitates the integration of DAVIS-CAR in environments typically found in the automobile industry. The overall architecture also enables the integration of data provided by other measurement systems. (orig.)

  11. Synthesis of a Novel High Solid Coating Used in Automobile

    Institute of Scientific and Technical Information of China (English)

    LIANG Lu; CHEN Hua-lin; LIANG Shou-tian; LIU Bai-ling

    2004-01-01

    High solid coating is one of the most important environmental friendly coatings, and has been obtained great attention since 70s' last century. For there are high volatile organic compounds(VOCs) in the conventional coatings, which cause both a serious pollution and consume of a plentiful of natural resource, such as petroleum. The development and production of high solid coatings is pressing target for all the countries, especially for China due to our heavy population and short of resources. Based on the requirement, a novel coating with high solid content has been developed in our lab. The solid content of the resin is 80%, compared to the 55% of conversional resin. This coating is characterized by its unique molecular architecture, it is a kind of hyper-branched polymer with uniform distribution of the reactive groups along the molecular backbone, which can react with other chemicals to form a cross-linking structure at high temperature.The coating has a lower viscosity and lower Tg corresponding to its branched structure( scheme 1).This coating has been applied in the automobile finishing. The experimental results indicated that the developed coating presented high performance properties in fastness, mar resistance, and hardness, it also reduced the baking temperature, resulting in a energy saving.

  12. Critical factors in fatal collisions of adult cyclists with automobiles.

    Science.gov (United States)

    Bíl, Michal; Bílová, Martina; Müller, Ivo

    2010-11-01

    This article evaluates, by means of multivariate regression, critical factors influencing the collisions of motor vehicles with adult (over 17 years) cyclists that result in fatal injury of cyclists. The analysis is based on the database of the Traffic Police of Czech Republic from the time period 1995-2007. The results suggest that the most consequential categories of factors under study are: inappropriate driving speed of automobile; the head-on crash; and night-time traffic in places without streetlights. The cyclists' faults are of most serious consequence on crossroads when cyclists deny the right of way. Males are more likely to suffer a fatal injury due to a collision with a car than females. The most vulnerable age group are cyclists above 65 years. A fatal injury of a cyclist is more often driver's fault than cyclist's (598 vs. 370). In order to reduce the fatal risk, it is recommended to separate the road traffic of motor vehicles from bicyclists in critical road-sections; or, at least, to reduce speed limits there.

  13. Automobile, construction and entertainment business sector influences on sedentary lifestyles.

    Science.gov (United States)

    Parra, Diana C; de Sá, Thiago H; Monteiro, Carlos A; Freudenberg, Nicholas

    2016-08-25

    Sedentary lifestyles contribute to premature death and health inequalities. Researchers have studied personal and community-level determinants of inactivity but few have analyzed corporate influences. To reframe the public health debate on inactivity and open new doors for public sector intervention, we conducted a scoping review of evidence from several disciplines to describe how the business and political practices of the automobile, construction, and entertainment sectors have encouraged sedentary lifestyles. In the last 50 years, these industries have found it profitable to produce motor vehicles, housing, and entertainment, which intentionally or unintentionally discourage physical activity. Ceding primary authority for policy decisions in these sectors to the market-based economy has enabled the growth of powerful lobbies that encourage and maintain sedentary lifestyles. To counteract these influences, public health and civil society need to confront more upstream economic and social determinants of sedentary lifestyles. Building on evidence from efforts to change harmful tobacco, alcohol and food industry practices, we propose the creation of research and policy agendas that contribute to public health practice that can modify corporate practices that contribute to physical, social and political environments that discourage physical activity.

  14. OFF-ROAD CAPABILITY IMPROVEMENT OF MAZ-AUTOMOBILE HAVING AGRICULTURAL MODIFICATION

    Directory of Open Access Journals (Sweden)

    A. I. Bobrovnik

    2014-01-01

    Full Text Available The paper contains requirements to parameters of an automobile being designed with axle arrangement 6x4 and technically permissible mass of 25 tons with its all year round operation in agricultural industry with the purpose to ensure in-time load transportation and technological cycle in crop production of the agricultural complex in accordance with time schedule of the executed mechanized works. The future automobile should also have a power takeoff device.The paper presents operation chart flowsheets for cultivation of main crops on mineral and peat soils with indication of automobile motion modes and type of transported loads. Specific properties of peat-bog soils are given in the paper. The paper considers off-road capability of mobile machines when they are moving on soils with low bearing capacity. The paper indicates field applications of automobiles with limited and high off-road capability. Description of wheel interaction with bearing surface area, values of soil resistivity after multiple automobile passages have been given in the paper.The paper specifies values of rolling resistance coefficient and adhesion coefficient of the automobile undercarriage systems in spring and autumn for wheeled and crawler units. Schemes of the automobile front axle drives (electric, hydraulic, mechanical and their characteristics have been analyzed in the paper. An elastic flexible drive with separation of flow power has been proposed for reduction of dynamic loads in a power transmission drive. The paper describes a drive system of auto-analogue steering wheels with hydraulic hydrostatic drive which is located within a front wheel hub that ensure additional thrust. Recommendations for MAZ-automobile modernization with axle arrangement 6x4 have been given with the purpose to improve its off- road capability.Metallic anti-skid chain, segment and small link, track and crawler chains, wideners have obtained a wide application for improvement of automobile

  15. Interests of Insurance Business and Agricultural Producers: Metamorphoses of Agricultural Insurance with State Support

    Directory of Open Access Journals (Sweden)

    Oleg Nikolaevich Efimov

    2015-12-01

    Full Text Available The paper studies the basic aspects of the system of agricultural insurance with state support in the Russian Federation at the present stage. The relevance of the study is related to the presence of enduring problem that lies in the fact that, despite some efforts by the State of legislative, organizational and economic measures, insurance of agricultural risks in Russia does not give the desired effect. The authors provide clear arguments about the necessity of state support for agriculture, particularly insurance, analyze the volume of subsidized funds from the federal budget for the payment of premiums to insurance companies. The article contains the analysis of the amount of insurance premiums for agricultural insurance in the world and the proportion of premiums collected by Russian agro-stakeholders. The nonoptimality of structure types of agricultural insurance with state support is indicated. The authors describe the main problems and disadvantages of the existing system of agricultural insurance with state support (lack of awareness, a small number of insurance products, high rates of insurance rates, etc., as well as some of the contradictions of the current legislation (the “double subsidies”. As a good example, a model of agricultural insurance in the United States is shown. The reasoned conclusions are made about the imperfection of the current legislation in the area of agricultural insurance, which largely meets the interests of the insurer, not of the insured. It was noted that agricultural insurance with state support in the Russian Federation is insignificant in scale of agricultural areas and in the country as a whole. The authors also make contradictory conclusions on the development of agricultural insurance market in Russia, mainly related to the fact that the system of agricultural insurance in the Russian Federation is only in its infancy.

  16. Micro-insurance as the Basis for Development of Voluntary Medical Insurance in Ukraine

    Directory of Open Access Journals (Sweden)

    Pahnenko Olena M.

    2014-01-01

    Full Text Available The article analyses the modern state of development of medical insurance in Ukraine and also studies advantages and shortcomings of the use of micro-insurance for popularisation of programmes of voluntary medical insurance and satisfaction of needs in high quality medical services for all layers of the population. It identifies that as of today the Ukrainian healthcare system is at the stage of reformation, mandatory medical insurance is not yet introduced and main consumers of the programmes of voluntary medical insurance are corporate clients. The article considers main constraints of development of medical insurance in Ukraine, including: low level of income of the population; absence of high quality providers of medical services in regions; and insufficient degree of trust of the population to the insurance sphere. The article shows that introduction of micro-insurance would positively influence the development of insurance medicine in the country, would facilitate provision of medical services even for poor citizens and would allow reduction of state budget expenditures on healthcare. The conducted study of restrictions and shortcomings of introduction of micro-insurance allowed identification of the fact that main of them are information asymmetry (unfavourable selection of risks, moral risk and insurance fraud, significant limitation of insurance coverage and difficulties in identifying optimal insurance tariffs.

  17. Risk and insurance management for biogas plants

    Energy Technology Data Exchange (ETDEWEB)

    Haerig, M. [Marsh GmbH, Duesseldorf (Germany)

    2007-07-01

    The continuing negative experiences of insurers with biogas plants make it difficult for operators to get appropriate insurance cover. There are different reasons for this big number of damages. Especially in the beginning components have been rebuilt for biogas without sufficient experiences. Other damages have emerged due to improper or disregardful plant management. For that reason the insurers' standards for the biogas plant and the plant management have risen up. The following report deals with experiences of insurance for biogas plants and the resulting consequences. For that reason Marsh carried out a research project and analyzed all reported claims in the All Risk Insurance. The necessary technical minimum requirements for installation and operation are geared to the experiences with damages. But they also account for the interests of the insured. (orig.)

  18. Effectiveness of insurance risk management under crisis conditions

    Directory of Open Access Journals (Sweden)

    I.G. Goncharenko

    2015-06-01

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

  19. 76 FR 41138 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2011-07-13

    ... consideration of the following questions: Have we organized the material to suit the public's needs? Are the... ; or Fax: (202) 493-2990 List of Subjects in 49 CFR Part 544 Crime insurance, Insurance,...

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

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

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

    Science.gov (United States)

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

    2017-01-01

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

  2. RETROSPECTION OF INSURANCE: ORIGIN, EVOLUTION, TOPICALITY

    Directory of Open Access Journals (Sweden)

    Cristina UNGUR

    2014-03-01

    Full Text Available Any human activity implies the existence of certain dangers for life, health or property. The need to protect them has led to insurance. In this article we present the chronological evolution of the phenomenon of insurance from its origin in antiquity to the contemporary period. We also show the interdependence of development of human civilization and the diversification and development of insurance services in various historical eras.

  3. HEALTH INSURANCE IN HEALTH REFORM IN UKRAINE

    Directory of Open Access Journals (Sweden)

    H. Tlusta

    2014-03-01

    Full Text Available The author of the article researched the teoretical and methodological approaches to the formation and development of the health insurance market conditions, also investigated the condition and features of the functioning of the health system in Ukraine and abroad, reasonable prospects of introducing mandatory and dissemination of voluntary health insurance, as well as ways of improving financial provide health insurance system in Ukraine.

  4. Application of Actuarial Modelling in Insurance Industry

    OpenAIRE

    Burcã Ana-Maria; Bãtrînca Ghiorghe

    2011-01-01

    In insurance industry, the financial stability of insurance companies represents an issue of vital importance. In order to maintain the financial stability and meet minimum regulatory requirements, actuaries apply actuarial modeling. Modeling has been at the center of actuarial science and of all the sciences from the beginning of their journey. In insurance industry, actuarial modeling creates a framework that allows actuaries to identify, understand, quantify and manage a wide range of risk...

  5. New Kind of Insurance University under Building

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    Dec 11th, 2004 saw foreign capital formally entering into the native insurance field. Now a giant concussion and challenge face directly the native insurance companies and are sure to bring about more fury competition. How to win? The native insurance companies fix their eyes on the talents which are far lack in our country. Setting up university may be a good plan to explore talents.

  6. Communications Centre Model in Insurance Business

    Directory of Open Access Journals (Sweden)

    Danijel Bara

    2013-07-01

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

  7. Satellite power system (SPS) initial insurance evaluation

    Energy Technology Data Exchange (ETDEWEB)

    None

    1980-09-01

    The beginning of a process to educate the insurance industry about the Satellite Power System is reported. The report is divided into three sections. In the first section a general history describes how space risks are being insured today. This is followed by an attempt to identify the major risks inherent to the SPS. The final section presents a general projection of insurance market reactions to the Satellite Power System.

  8. Insurance payment process for HANDI 2000 business management system

    Energy Technology Data Exchange (ETDEWEB)

    Wilson, D.

    1998-08-24

    The Pensions and Savings group handles three types of payment into and out of Fluor Daniel Hanford related to insurance benefits: Premium payment to insurance company; Application of employee insurance withholding against insurance costs; Remittance of insurance claims, and administrative fees. General approach in making and recording the remittance is by forwarding payment information to Accounts Payable Master.

  9. 46 CFR 308.404 - Application for insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Application for insurance. 308.404 Section 308.404 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.404 Application for insurance. Application for insurance shall...

  10. 14 CFR 198.3 - Basis of insurance.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Basis of insurance. 198.3 Section 198.3 Aeronautics and Space FEDERAL AVIATION ADMINISTRATION, DEPARTMENT OF TRANSPORTATION (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.3 Basis of insurance. (a) Premium insurance may be issued by the FAA...

  11. 14 CFR 198.9 - Applicant for insurance.

    Science.gov (United States)

    2010-01-01

    ...) WAR RISK INSURANCE AVIATION INSURANCE § 198.9 Applicant for insurance. (a) Application for premium or non-premium insurance must be made in accordance with the applicable form supplied by the FAA. (b... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Applicant for insurance. 198.9 Section...

  12. 14 CFR 198.5 - Types of insurance coverage available.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) WAR RISK INSURANCE AVIATION INSURANCE § 198.5 Types of insurance coverage available. Application may be made for insurance against loss or damage to the following persons, property, or interests: (a... 14 Aeronautics and Space 3 2010-01-01 2010-01-01 false Types of insurance coverage available....

  13. 12 CFR 614.4945 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Forced placement of flood insurance. 614.4945... OPERATIONS Flood Insurance Requirements § 614.4945 Forced placement of flood insurance. If a System... not covered by flood insurance or are covered by flood insurance in an amount less than the...

  14. 44 CFR 71.3 - Denial of flood insurance.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Denial of flood insurance. 71... OF HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program IMPLEMENTATION OF COASTAL BARRIER LEGISLATION § 71.3 Denial of flood insurance. (a) No new flood insurance...

  15. 44 CFR 64.3 - Flood Insurance Maps.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Flood Insurance Maps. 64.3... HOMELAND SECURITY INSURANCE AND HAZARD MITIGATION National Flood Insurance Program COMMUNITIES ELIGIBLE FOR THE SALE OF INSURANCE § 64.3 Flood Insurance Maps. (a) The following maps may be prepared by...

  16. 5 CFR 870.301 - Eligibility for life insurance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.301... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Eligibility § 870.301 Eligibility for life insurance. (a) Each nonexcluded employee is automatically insured for Basic insurance unless...

  17. 78 FR 54691 - American General Life Insurance Company, et al.

    Science.gov (United States)

    2013-09-05

    ... COMMISSION American General Life Insurance Company, et al. August 29, 2013, AGENCY: The Securities and... Life Insurance Company (``American General''), The United States Life Insurance Company in the City of New York (``US Life'') (each, an ``Insurance Company'' and together, the ``Insurance Companies''),...

  18. 5 CFR 870.701 - Eligibility for life insurance.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Eligibility for life insurance. 870.701... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Annuitants and Compensationers § 870.701 Eligibility for life insurance. (a) When an insured employee retires, Basic life insurance...

  19. 7 CFR 457.158 - Apple crop insurance provisions.

    Science.gov (United States)

    2010-01-01

    ... date. (2) If you relinquish your insurable share on any insurable acreage of apples on or before the... insurable share on any insurable acreage of apples after the acreage reporting date for the crop year... inability to market the apples for any reason other than actual physical damage from an insurable...

  20. Life Insurance Actuarial Model with Returnable Premium

    Institute of Scientific and Technical Information of China (English)

    YanhuaiLang

    2004-01-01

    Insurance is the important aspect of finance. It has been fully developed in the western developed countries. With the fast development of market economy in our country,it is necessary to introduce the alien modern theories and techniques, and at the same time,adapt them to our concrete situation. The model of general life insurance product is to be established in this paper, including deferred life annuities, increasing whole life insurance and returnable premiums. Then through the regulation of various parameters, we can obtain various insurance products.

  1. Congressional Statistics: Disability Insurance for December 2014

    Data.gov (United States)

    Social Security Administration — While Social Security is best known for providing retirement benefits, the program also provides Disability Insurance (DI) protection to workers and their families...

  2. MARKETING CHARACTERISTICS OF INSURANCE MARKET IN UKRAINE

    Directory of Open Access Journals (Sweden)

    А. Sabirova

    2014-03-01

    Full Text Available The current state of the insurance market of Ukraine in the post-crisis period, by comparison with the pre-crisis was investigated in the paper. The insurance market in the pre-crisis period grew rapidly, but was unable to withstand the economic crisis and suffered a crushing blow. The economic crisis of 2008-2009 led to a decrease of the demand for financial services in general and insurance services in particular. The lack of development of the insurance market created high barriers for responding and adapting to changes that occurred during the crisis.

  3. Comparative analysis of life insurance market

    Directory of Open Access Journals (Sweden)

    Malynych, Anna Mykolayivna

    2011-05-01

    Full Text Available The article deals with the comprehensive analysis of statistic insight into development of the world and regional life insurance markets on the basis of macroeconomic indicators. The author located domestic life insurance market on the global scale, analyzed its development and suggested the methods to calculate the marketing life insurance index. There was also approbated the mentioned methods on database of 77 countries all over the world. The author also defined the national rating on the basis of marketing life insurance index.

  4. Agriculture loan insurance contract and performance

    OpenAIRE

    Ozaki,Vitor Augusto

    2011-01-01

    Agricultural loan insurance is one of the main risk transfer mechanisms used by the producers in some regions of the country. This insurance guarantees a percentage of the loan budget, thus assuring the payment of the agreed financing. Initially the present article analyzes the State of São Paulo Insurance Company (Companhia de Seguros do Estado de São Paulo - Cosesp) loan insurance origins and evolution, and later on its expansion to other States. Moreover, it details the main features of th...

  5. INSURANCE AND THE CORPORATE COST OF CAPITAL

    Directory of Open Access Journals (Sweden)

    Monika Wieczorek-Kosmala

    2012-04-01

    Full Text Available The purpose of the paper is to provide some support to the thesis that insurance may reduce the cost of capital in a company by influencing both the cost of capital components and the need for rising capital. The problem is here perceived from two perspectives – the classical concept related to the weighted average cost of capital (WACC and a novel concept related to the risk-based capital structure model with the total average cost of capital (TACC. The paper explains the idea of insurance as a retrospective (post-loss risk financing tool and the risk transfer mechanism upon it. As the risk financing tool insurance reduces the need for the balance-sheet capital in a company and thus the financial distress costs. Also, insurance may reduce the level of operating risk and thus influences the required returns of the capital providers. These observations allow emphasising the impact of insurance on the WACC. However, according to the novel concept of the risk-based capital structure, insurance (as a risk financing tool represents an off-balance sheet capital component. As a consequence, it extends the volume of total capital. The presented conceptual model, based on the TACC concept, indicates that large volume of insurance (the insurance sum and its relatively low cost (the insurance premium gives the possibility to the significant reduction of the cost of capital on average. The concluding remarks discuss some dilemmas over the utility of the TACC concept.

  6. Incentive and insurance effects of income taxation

    DEFF Research Database (Denmark)

    Andersen, Torben M.

    2015-01-01

    Tax distortions cause a trade-off between efficiency and equity. However, taxes not only affect incentives; they also provide implicit insurance, and this may critically affect the efficiency–equity relationship. For a standard labour supply problem it is shown that the insurance effect mutes...... the sensitivity of labour supply to taxes, which tends to reduce tax distortions and lower the marginal costs of public funds. The relation between incentives and insurance and thus efficiency and equity is flattened by the insurance effect and it may even be non-monotone. However, the optimal utilitarian policy...

  7. ECONOMIC AND MANAGERIAL APPROACH OF HEALTH INSURANCES

    Directory of Open Access Journals (Sweden)

    Georgeta Dragomir

    2007-05-01

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

  8. 77 FR 28343 - Insurer Reporting Requirements; List of Insurers Required To File Reports

    Science.gov (United States)

    2012-05-14

    ... Appendices A, B, or C are construed to be a small entity within the definition of the RFA. ``Small insurer... National Highway Traffic Safety Administration 49 CFR Part 544 RIN 2127-AL22 Insurer Reporting Requirements... amend appendices to NHTSA regulations on Insurer Reporting Requirements. The appendices list...

  9. 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... Provisions and Macadamia Nut Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance Corporation... make corrections relating to the insurance of cotton and macadamia nuts that published March 30,...

  10. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Science.gov (United States)

    2010-04-01

    ... years. However, X has an actual age of 64 as of the date the face amount of the contract is increased... 26 Internal Revenue 13 2010-04-01 2010-04-01 false Attained age of the insured under a life... age of the insured under a life insurance contract. (a) In general. This section provides guidance...

  11. 75 FR 30106 - Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the...

    Science.gov (United States)

    2010-05-28

    ... Terrorism Risk Insurance Program; Recordkeeping Requirements for Insurers Compensated Under the Program... extension approval by the Office of Management and Budget. The Terrorism Risk Insurance Program Office... triacomments@do.treas.gov or by mail (if hard copy, preferably an original and two copies) to: Terrorism...

  12. The promise of fuel cell-based automobiles

    Indian Academy of Sciences (India)

    A K Shukla; C L Jackson; K Scott

    2003-02-01

    Fuel cell-based automobiles have gained attention in the last few years due to growing public concern about urban air pollution and consequent environmental problems. From an analysis of the power and energy requirements of a modern car, it is estimated that a base sustainable power of $ca$. 50 kW supplemented with short bursts up to 80 kW will suffice in most driving requirements. The energy demand depends greatly on driving characteristics but under normal usage is expected to be 200 Wh/km. The advantages and disadvantages of candidate fuel-cell systems and various fuels are considered together with the issue of whether the fuel should be converted directly in the fuel cell or should be reformed to hydrogen onboard the vehicle. For fuel cell vehicles to compete successfully with conventional internal-combustion engine vehicles, it appears that direct conversion fuel cells using probably hydrogen, but possibly methanol, are the only realistic contenders for road transportation applications. Among the available fuel cell technologies, polymer–electrolyte fuel cells directly fueled with hydrogen appear to be the best option for powering fuel cell vehicles as there is every prospect that these will exceed the performance of the internal-combustion engine vehicles but for their first cost. A target cost of $ 50/kW would be mandatory to make polymer–electrolyte fuel cells competitive with the internal combustion engines and can only be achieved with design changes that would substantially reduce the quantity of materials used. At present, prominent car manufacturers are deploying important research and development efforts to develop fuel cell vehicles and are projecting to start production by 2005.

  13. Automobile air-conditioning. Its energy and environmental impact

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    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 (maximum 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 international 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-conditioning (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-led 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. (author)

  14. Application of solar flat plate collector in automobile industry

    Energy Technology Data Exchange (ETDEWEB)

    Wawge, P. [Peenya Alloys Pvt. Ltd., Parvati, Pune (India)

    2004-07-01

    In any industry, heating, cooling and compressed air the costliest part, which affects the production cost of any product. There are three types of indirect heat requirement or the requirement of heat can be divided in the three main categories. (1) low temp. 40 - 60 Deg. (2) Medium temp. 80 - 150 deg. (3) High Temp applications - above 150. Solar Flat Collectors have been proven for the use of solar energy for medium temp. application in hotels, boiler feed water preheating, dairy for pasteurization and some other indirect heating applications. There is another neglected area of application of Solar Flat Plate collector is heat treatment for powder coating plants where heat requirement is bet 50 Deg C - 70 Deg C. In any automobile industry the aesthetic or look of the vehicle place a very important role as far as the sale is concern (after the mechanical performance). The aesthetic means the body and colour of the vehicle. To get a long lasting good quality color, the powder coating procedure plays a major role. Before powder coating there is requirement of different chemical treatment for the removal of rust, grease and other cleaning of the specific sheet metal body parts. The time duration and chemical composition is depends on the selection of body material. A proven method of a chemical treatment is seven / eight tank process. The common system of heating chemicals is by way of electrical heaters, by diesel or other fuel fired boilers. This increases the cost of heat treatment process due the high cost of electricity (for industries rate of electricity is 1.5 to 2 times than the domestic rate) or oils. This can be replaced by Solar water heating system which can efficiently generate the temp of liquid upto 85 Deg C. (orig.)

  15. Automobile materials competition: energy implications of fiber-reinforced plastics

    Energy Technology Data Exchange (ETDEWEB)

    Cummings-Saxton, J.

    1981-10-01

    The embodied energy, structural weight, and transportation energy (fuel requirement) characteristics of steel, fiber-reinforced plastics, and aluminum were assessed to determine the overall energy savings of materials substitution in automobiles. In body panels, a 1.0-lb steel component with an associated 0.5 lb in secondary weight is structurally equivalent to a 0.6-lb fiber-reinforced plastic component with 0.3 lb in associated secondary weight or a 0.5-lb aluminum component with 0.25 lb of secondary weight. (Secondary weight refers to the combined weight of the vehicle's support structure, engine, braking system, and drive train, all of which can be reduced in response to a decrease in total vehicle weight.) The life cycle transportation energy requirements of structurally equivalent body panels (including their associated secondary weights) are 174.4 x 10/sup 3/ Btu for steel, 104.6 x 10/sup 3/ Btu for fiber-reinforced plastics, and 87.2 x 10/sup 3/ Btu for aluminum. The embodied energy requirements are 37.2 x 10/sup 3/ Btu for steel, 22.1 x 10/sup 3/ Btu for fiber-reinforced plastics, and 87.1 x 10/sup 3/ Btu for aluminum. These results can be combined to yield total energy requirements of 211.6 x 10/sup 3/ Btu for steel, 126.7 x 10/sup 3/ Btu for fiber-reinforced plastics, and 174.3 x 10/sup 3/ Btu for aluminum. Fiber-reinforced plastics offer the greatest improvements over steel in both embodied and total energy requirements. Aluminum achieves the greatest savings in transportation energy.

  16. Pyrolysis and gasification-melting of automobile shredder residue.

    Science.gov (United States)

    Roh, Seon Ah; Kim, Woo Hyun; Yun, Jin Han; Min, Tae Jin; Kwak, Yeon Ho; Seo, Yong Chil

    2013-10-01

    Automobile shredder residue (ASR) from end-of-life vehicles (ELVs) in Korea has commonly been disposed of in landfills. Due to the growing number of scrapped cars and the decreasing availability of landfill space, effective technology for reducing ASR is needed. However ASR is a complex mixture, and finding an appropriate treatment is not easy on account of the harmful compounds in ASR. Therefore, research continues to seek an effective treatment technology. However most studies have thus far been performed in the laboratory, whereas few commercial and pilot studies have been performed. This paper studies the pyrolysis and gasification-melting of ASR. The pyrolyis characteristics have been analyzed in a thermogravimetric analyzer (TGA), a Lindberg furnace, and a fixed-bed pyrolyzer to study the fundamental characteristics of ASR thermal conversion. As a pilot study, shaft-type gasification-melting was performed. High-temperature gasification-melting was performed in a 5000 kg/day pilot system. The gas yield and syngas (H2 and CO) concentration increase when the reaction temperature increases. Gas with a high calorific value of more than 16,800 kJ/m3 was produced in the pyrolyzer. From the gasification-melting process, syngas of CO (30-40%) and H2(10-15%) was produced, with 5% CH4 produced as well. Slag generation was 17% of the initial ASR, with 5.8% metal content and 4% fly ash. The concentration of CO decreases, whereas the H2, CO2, and CH4 concentrations increase with an increase in the equivalence ratio (ER). The emission levels of dioxin and air pollution compounds except nitrogen oxides (NO(x)) were shown to satisfy Korean regulations.

  17. 38 CFR 8.7 - Reinstatement of National Service Life Insurance except insurance issued pursuant to section 1925...

    Science.gov (United States)

    2010-07-01

    ... Service Life Insurance except insurance issued pursuant to section 1925 of title 38 U.S.C. 8.7 Section 8.7 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS NATIONAL SERVICE LIFE INSURANCE Reinstatement § 8.7 Reinstatement of National Service Life Insurance except insurance issued pursuant to...

  18. 26 CFR 1.831-3 - Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Tax on insurance companies (other than life or mutual), mutual marine insurance companies, mutual fire insurance companies issuing perpetual policies...-3 Tax on insurance companies (other than life or mutual), mutual marine insurance companies,...

  19. SOCIAL RESPONSABILITY OF INSURANCE COMPANIES

    Directory of Open Access Journals (Sweden)

    MĂRĂCINE MIHAELA SIMONA

    2013-06-01

    Full Text Available The role of corporate social responsibility has increased significantly nowadays. The studies conducted have shown that consumers are increasingly no longer interested only in buying good quality and reliable products, but they are also interested whether they were produced in a socially responsible manner. In the recent years investors have increasingly realised that investing in social responsibility regarding the social and environmental areas, greatly contributes to the growth of the internal and external image of management. This paper aims at presenting a number of interesting issues related to social responsibility manifested by the insurance companies.

  20. Health insurance for the "uninsurable".

    Science.gov (United States)

    Schneck, L H

    2000-01-01

    State-sponsored health insurance plans for people labeled "uninsurable" by commercial carriers provide financial lifelines for those who qualify. In 28 states, individuals suffering from cancer, AIDS, multiple sclerosis, emotional disorders, cystic fibrosis, para- or quadriplegia and other chronic or recurrent health problems receive benefits--for reasonable premiums--from innovative programs that can literally make the difference between life and death, solvency or indigence. Medical practices and other health care facilities can play a pivotal role in informing patients of these coverage options--and by doing so, increase their revenue, as well.

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

    Science.gov (United States)

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

    2014-04-01

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

  2. Summary of semi-initiative and initiative control automobile engine vibration

    Science.gov (United States)

    Qu, Wei; Qu, Zhou

    2009-07-01

    Engine vibration accounts for around 55% of automobile vibration, separating the engine vibration from transmitting to automobile to the utmost extent is significant for improving NVH performance. Semi-initiative and initiative control of engine vibration is one of the hot spots of technical research in domestic and foreign automobile industry, especially luxury automobiles which adopt this technology to improve amenity and competitiveness. This article refers to a large amount of domestic and foreign related materials, fully introduces the research status of semi-initiative and initiative control suspension of engine vibration suspension and many kinds of structural style, and provides control policy and method of semi-initiative and initiative control suspension system. Compare and analyze the structural style of semi-initiative and initiative control and merits and demerits of current structures of semi-initiative and initiative control of mechanic electrorheological, magnetorheological, electromagnetic actuator, piezoelectric ceramics, electrostriction material, pneumatic actuator etc. Models of power assembly mounting system was classified.Calculation example indicated that reasonable selection of engine mounting system parameters is useful to reduce engine vibration transmission and to increase ride comfort. Finally we brought forward semi-initiative and initiative suspension which might be applied for automobiles, and which has a promising future.

  3. Features of insurance evolution in the Internet expansion

    Directory of Open Access Journals (Sweden)

    A.Yu. Polchanov

    2015-03-01

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

  4. 75 FR 30106 - Terrorism Risk Insurance Program; Litigation Management Submissions

    Science.gov (United States)

    2010-05-28

    ... Terrorism Risk Insurance Program; Litigation Management Submissions AGENCY: Departmental Offices. ACTION..., the Terrorism Risk Insurance Program Office is seeking comments regarding Litigation Management..., preferably an original and two copies) to: Terrorism Risk Insurance Program, Public Comment Record,...

  5. The consequence of financial crises in Albanian insurance market

    Directory of Open Access Journals (Sweden)

    Edmira Cakrani

    2010-06-01

    Full Text Available The Albanian insurance market is not influenced considerably from current financial crisis. Early yet phase of development with the very low penetration level explains steadiness of insurance market to exposure influence of global financial crisis. Another factor contributed to stability of insurance market is focusing insurance businesses more on the compulsory insurance segment which is not fully liberalized. Conservative investment policies of Albanian insurers also contributed to avoiding influence of market risks induced by world financial crisis.

  6. The Dutch health insurance reform: consumer mobility.

    NARCIS (Netherlands)

    Jong, J.D. de; Groenewegen, P.P.; Rijken, M.

    2006-01-01

    On 1 January 2006, a number of far-reaching changes in the Dutch health insurance system came into effect. There is now one type of health care insurance for all. The standard package is compulsory for everyone who lives in The Netherlands or pays wage tax in The Netherlands. In the new system of ma

  7. Right insurance for renewables; Erneuerbare richtig versichern

    Energy Technology Data Exchange (ETDEWEB)

    Ziegler, Helmuth

    2011-03-15

    In the overall stagnant German insurance market, the power generation from renewable energy sources is a promising field of growth. The contribution under consideration reports on specific aspects of risk insurance of geothermal plants, solar panels, wind turbines and biogas plants.

  8. Visualization tools for insurance risk processes

    OpenAIRE

    Krzysztof Burnecki; Rafal Weron

    2006-01-01

    This chapter develops on risk processes which, perhaps, are most suitable for computer visualization of all insurance objects. At the same time, risk processes are basic instruments for any non-life actuary – they are vital for calculating the amount of loss that an insurance company may incur.

  9. FIRE INSURANCE AND WOOD SCHOOL BUILDINGS.

    Science.gov (United States)

    PURCELL, FRANK X.

    A COMPARISON OF FIRE INSURANCE COSTS OF WOOD, MASONRY, STEEL AND CONCRETE STRUCTURES SHOWS FIRE INSURANCE PREMIMUMS ON WOOD STRUCTURES TEND TO BE HIGHER THAN PREMIUMS ON MASONRY, STEEL AND CONCRETE BUILDINGS, HOWEVER, THE INITIAL COST OF THE WOOD BUILDINGS IS LOWER. DATA SHOW THAT THE SAVINGS ACHIEVED IN THE INITIAL COST OF WOOD STRUCTURES OFFSET…

  10. Smart Questions To Ask Your Insurance Agent.

    Science.gov (United States)

    Cohen, Abby J.

    1997-01-01

    Provides advice on insurance coverage for child care centers. Suggests that before purchasing insurance you inquire about the agent's qualifications, company's financial stability, and corporate ratings; and obtain written answers to questions about specific coverage issues such as volunteers, legal defense costs, special events, and…

  11. Geothermal reservoir insurance study. Final report

    Energy Technology Data Exchange (ETDEWEB)

    1981-10-09

    The principal goal of this study was to provide analysis of and recommendations on the need for and feasibility of a geothermal reservoir insurance program. Five major tasks are reported: perception of risk by major market sectors, status of private sector insurance programs, analysis of reservoir risks, alternative government roles, and recommendations.

  12. Determinants of health insurance and hospitalization

    Directory of Open Access Journals (Sweden)

    Tadashi Yamada

    2014-12-01

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

  13. 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 136.111 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) MARINE...; DESIGNATION OF SOURCE; AND ADVERTISEMENT General Procedure § 136.111 Insurance. (a) A claimant shall...

  14. Life insurance: genomic stratification and risk classification.

    Science.gov (United States)

    Joly, Yann; Burton, Hilary; Knoppers, Bartha Maria; Feze, Ida Ngueng; Dent, Tom; Pashayan, Nora; Chowdhury, Susmita; Foulkes, William; Hall, Alison; Hamet, Pavel; Kirwan, Nick; Macdonald, Angus; Simard, Jacques; Van Hoyweghen, Ine

    2014-05-01

    With the development and increasing accessibility of new genomic tools such as next-generation sequencing, genome-wide association studies, and genomic stratification models, the debate on genetic discrimination in the context of life insurance became even more complex, requiring a review of current practices and the exploration of new scenarios. In this perspective, a multidisciplinary group of international experts representing different interests revisited the genetics and life insurance debate during a 2-day symposium 'Life insurance: breast cancer research and genetic risk prediction seminar' held in Quebec City, Canada on 24 and 25 September 2012. Having reviewed the current legal, social, and ethical issues on the use of genomic information in the context of life insurance, the Expert Group identified four main questions: (1) Have recent developments in genomics and related sciences changed the contours of the genetics and life insurance debate? (2) Are genomic results obtained in a research context relevant for life insurance underwriting? (3) Should predictive risk assessment and risk stratification models based on genomic data also be used for life insurance underwriting? (4) What positive actions could stakeholders in the debate take to alleviate concerns over the use of genomic information by life insurance underwriters? This paper presents a summary of the discussions and the specific action items recommended by the Expert Group.

  15. Insuring Life : Value, Security and Risk

    NARCIS (Netherlands)

    Lobo-Guerrero, Luis

    2016-01-01

    This book is a contribution to the scholarly engagement with the wider problem of governing through risk and the politics of uncertainty. It takes life insurance as an empirical site from which to ask: what is the kind of governance created through insurance an instance of, and how does it contribut

  16. Willingness to Pay for Insurance in Denmark

    DEFF Research Database (Denmark)

    Hansen, Jan V.; Højbjerg Jacobsen, Rasmus; Lau, Morten

    2016-01-01

    We estimate how much Danish households are willing to pay for auto, home, and house insurance. We use a unique combination of claims data from a large Danish insurance company, measures of individual risk attitudes and discount rates from a field experiment with a representative sample of the adult...

  17. Economic and Managerial Approach of Health Insurances

    Directory of Open Access Journals (Sweden)

    Marinela BOBOC

    2005-10-01

    Full Text Available The paper represents an analysis in the domain of the social insurances for health care. It emphasizes the necessity and the opportunity ofcreating in Romania a medical service market based on the competing system. In Romania, the social insurances for health care are at their verybeginning. The development of the domain of the private insurances for health care is prevented even by its legislation, due to the lack of a normativeact that may regulate the management of the private insurances for health care. The establishment of the legislation related to the optional insurancesfor health care might lead to some activity norms for the companies which carry out optional insurances for health care. The change of the legislationis made in order to create normative and financial opportunities for the development of the optional medical insurances. This change, as part of thesocial protection of people, will positively influence the development of the medical insurance system. The extension of the segment of the optionalinsurances into the medical insurance segment increases the health protection budget with the value of the financial sources which do not belong tothe budgetary funds.

  18. Establishment of life insurance benefits, 1986.

    Science.gov (United States)

    1988-01-01

    In 1986, Nanjing County in Fujian Province, China, established life insurance policies for only children. Families with only one child paying insurance premiums of 40 yuan will be refunded medical expenses exceeding 200 yuan incurred in caring for the child from birth to age 16.

  19. Predictivity, genetic tests and insurance law.

    Science.gov (United States)

    Romeo Casabona, Carlos Maria

    2009-01-01

    An increasing discussion today consists of whether emerging genetic tests will provide a powerful tool for individual risk assessments for the life, health, disability and accident policies underwritten by private insurance companies and what could be the consequences of this for the insurance contract system built throughout the last decades. Thus, access to such risk information will facilitate more precise actuarial premium assessments.

  20. Defining the key-parameters of insurance product in Islamic insurance

    Directory of Open Access Journals (Sweden)

    Galim Zaribzyanovich Vakhitov

    2015-06-01

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

  1. Comparison of energy-storage devices for use in future automobiles

    Energy Technology Data Exchange (ETDEWEB)

    O' Connell, L.G.

    1981-06-20

    The Transportation System Research Program of the Lawrence Livermore National Laboratory (LLNL) conducted a study over a four year period to determine which energy-storage devices and their associated propulsion systems are likely to be capable of providing credible alternatives to current type automotive propulsion systems between now and the year 2000. It was found that a complete spectrum of automotive performance levels can be achieved by energy storage automobiles during this time period. These range from automobiles with general-purpose performance equivalent to internal combustion engine (ICE) performance to performance suitable for vehicles with specific missions. These automobiles will likely be more expensive to purchase than their ICE counterparts. Large scale introduction of such vehicles can be constrained not only by the development of energy storage technology, but also by the abailability of the required manufacturing capability and service infrastructure.

  2. Shaanxi Automobile Group Co.,Ltd.—China’s Heavy Truck Giant

    Institute of Scientific and Technical Information of China (English)

    2008-01-01

    Shaanxi Automobile Group Co.,Ltd. (formerly Shaanxi Automobile Manufacturing Plant) was originally a weak enterprise. Relying on the reorganization of assets,the introduction of the"Double Best"project and opportunities for development,it has entered the fast track of development by es- tablishing a brand image and implementing a forward-looking strategy.In 1990,Shaanxi Automobile Group Co.Ltd.was a loss- making enterprise with an annual sales of 100 million yuan ($14.1 million).In 2007,its sales income surpassed 10 billion yuan ($1.4 billion),and it was not only listed among China’s top 500 companies,but also ranked 37th among the top 500 machinery companies of China and came first in Shaanxi Province

  3. Assessment of Lateral Driving Stability of Automobiles Passing by the Pylon Zone under Cross Wind

    Directory of Open Access Journals (Sweden)

    Dalei Wang

    2012-08-01

    Full Text Available In order to explore the reason of lateral instability of automobile passing by the pylon zone of cablesupported bridge under cross wind, a new evaluation method of lateral driving stability of automobile considering alternative cross wind is established based on multi-objective driving stability criteria and subjective assessment. Typical driving control process and dynamic response of automobile passing by the pylon zone is given by numerical simulation based on steering wheel fixed-control model and straight driving ideal-driver model. Finally, taking a medium-size commercial bus as an example, the reason of its lateral instability is interpreted and the influence of cross wind speed and driving speed on its lateral driving stability is shown by parameter study.

  4. Effects of automobile steering characteristics on driver vehicle system dynamics in regulation tasks

    Science.gov (United States)

    Mcruer, D. T.; Klein, R.

    1975-01-01

    A regulation task which subjected the automobile to a random gust disturbance which is countered by driver control action is used to study the effects of various automobile steering characteristics on the driver/vehicle system. The experiments used a variable stability automobile specially configured to permit insertion of the simulated gust disturbance and the measurement of the driver/vehicle system characteristics. Driver/vehicle system dynamics were measured and interpreted as an effective open loop system describing function. Objective measures of system bandwidth, stability, and time delays were deduced and compared. These objective measures were supplemented by driver ratings. A tentative optimum range of vehicle dynamics for the directional regulation task was established.

  5. Computer simulations and experimental study on crash box of automobile in low speed collision

    Science.gov (United States)

    Liu, Yanjie; Ding, Lin; Yan, Shengyuan; Yang, Yongsheng

    2008-11-01

    Based on the problems of energy-absorbing components in the automobile low speed collision process, according to crash box frontal crash test in low speed as the example, the simulation analysis of crash box impact process was carried out by Hyper Mesh and LS-DYNA. Each parameter on the influence modeling was analyzed by mathematics analytical solution and test comparison, which guaranteed that the model was accurate. Combination of experiment and simulation result had determined the weakness part of crash box structure crashworthiness aspect, and improvement method of crash box crashworthiness was discussed. Through numerical simulation of the impact process of automobile crash box, the obtained analysis result was used to optimize the design of crash box. It was helpful to improve the vehicles structure and decrease the collision accident loss at most. And it was also provided a useful method for the further research on the automobile collision.

  6. The Dualism of Asymmetric Information in Agricultural Insurance

    Directory of Open Access Journals (Sweden)

    Xuemei Yang

    2013-07-01

    Full Text Available Asymmetric information objectively exists in the insurance market, especially in agricultural insurance, which has a great impact on the insurance contract and market operation. This paper designs two game models to analyse the dualism of asymmetric information in agricultural insurance and its reasons of forming. We find that, the particularity of agricultural production, the agricultural risk diversification and the benefits’ spillover of the agricultural insurance are the main causes of asymmetric information. Therefore, this paper puts forward that establishment of appropriate agricultural insurance mode, optimization of insurance policy design and increasing investment in science and technology, increasing farmers’ insurance consciousness and establishing supervision system

  7. REPORTING OF COMMERCIAL INSURANCE COMPANIES: EVIDENCE FROM THE CZECH REPUBLIC

    Directory of Open Access Journals (Sweden)

    Jiřina Bošková

    2007-06-01

    Full Text Available The subject of insurance companies is to provide insurance protection based on commercial principles. All changes in the society are directly reflected in the insurance activity. New risks apperar and therfore new insurance products appear as well. The insurance business intervenes into all areas of the economic and social life in the Czech Republic. Insurance companies cannot be treated only as companies offering insurance protection, but also as important investors who, as a result of their activity, dispose with temporary available resources of their customers. As situations and existance of time discordance between provision creation and their usage are occasional, insurance companies carry business with these provisions resources.

  8. Conceptualising the lack of health insurance coverage.

    Science.gov (United States)

    Davis, J B

    2000-01-01

    This paper examines the lack of health insurance coverage in the US as a public policy issue. It first compares the problem of health insurance coverage to the problem of unemployment to show that in terms of the numbers of individuals affected lack of health insurance is a problem comparable in importance to the problem of unemployment. Secondly, the paper discusses the methodology involved in measuring health insurance coverage, and argues that the current method of estimation of the uninsured underestimates the extent that individuals go without health insurance. Third, the paper briefly introduces Amartya Sen's functioning and capabilities framework to suggest a way of representing the extent to which individuals are uninsured. Fourth, the paper sketches a means of operationalizing the Sen representation of the uninsured in terms of the disability-adjusted life year (DALY) measure.

  9. The adequacy of college health insurance coverage.

    Science.gov (United States)

    McManus, M; Brauer, M; Weader, R; Newacheck, P

    1991-01-01

    This analysis of private health insurance plans offered in 100 four-year colleges and universities in 1988 indicates a tremendous diversity in plan options, benefits covered, cost-sharing requirements, and catastrophic protections. Consistent with relatively low premium prices, most student health insurance plans offer limited benefits and expose students to significant out-of-pocket medical cost liabilities. Only a minority of schools use financial incentives, such as preferred provider arrangements, to integrate their health insurance plans with their university health service system. We conclude that universities should carefully reexamine the adequacy of their health insurance plans and their relationship to student health centers. As more students rely on student health insurance as their only source of coverage, the quality of these plans assumes an even greater importance.

  10. Optimal non-linear health insurance.

    Science.gov (United States)

    Blomqvist, A

    1997-06-01

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

  11. Internet Activities among Malaysian Insurance Companies

    Directory of Open Access Journals (Sweden)

    Tee Chee Kiat

    2005-01-01

    Full Text Available Many studies have been conducted to study Internet usage. Most of them focused on SMI/SME, individuals, services organisations including the financial sector. Previous studies on Internet usage in the financial sector in Malaysia were more focused towards the banking institutions. Not much information is available with regards to the Internet usage among insurance companies. Recognizing the potential of the Internet to insurance companies, the Central Bank of Malaysia (Bank Negara of Malaysia has established guidelines that allow insurers to offer their services online. This study describes the extent of Internet usage among Malaysian insurers. Some insurers have already begun to use the Internet to conduct their daily business transactions, some are in the midst of planning to use and some do not have plan to use at all. Many of them stated that security, customer readiness and cost of initial investment were important considerations when deciding to adopt Internet technologies.

  12. Evaluating the Welfare of Index Insurance

    DEFF Research Database (Denmark)

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

    accounting for their risk preferences, and structurally decompose the sources of the welfare effects of index insurance. Our results show that the compound risk in index insurance decreases the welfare of index insurance choices made by individuals. The behavioral inability to process compound risks...... decreases welfare when there is a compound risk of loss, whereas loss probability, basis risk and premium only impact the welfare of insurance choices when the risk of loss is expressed in its reduced, non-compound form. We also see, again, that take-up is not a reliable indicator of welfare. Furthermore......, the drivers of increased welfare from index insurance are not be the same drivers of increased take-up, so take-up is not even a useful proxy for guiding policy to improve welfare....

  13. Public health insurance under a nonbenevolent state.

    Science.gov (United States)

    Lemieux, Pierre

    2008-10-01

    This paper explores the consequences of the oft ignored fact that public health insurance must actually be supplied by the state. Depending how the state is modeled, different health insurance outcomes are expected. The benevolent model of the state does not account for many actual features of public health insurance systems. One alternative is to use a standard public choice model, where state action is determined by interaction between self-interested actors. Another alternative--related to a strand in public choice theory--is to model the state as Leviathan. Interestingly, some proponents of public health insurance use an implicit Leviathan model, but not consistently. The Leviathan model of the state explains many features of public health insurance: its uncontrolled growth, its tendency toward monopoly, its capacity to buy trust and loyalty from the common people, its surveillance ability, its controlling nature, and even the persistence of its inefficiencies and waiting lines.

  14. Court rules insurer must honor its promise.

    Science.gov (United States)

    1998-10-01

    Monumental Life Insurance Co. has to pay more than $230,000 to a beneficiary whose partner died of AIDS, shortly after paying the monthly premium for a life insurance policy. Unaware of the health status of the policy holder, a representative from the insurance company granted coverage and gave the policy holder a written statement that showed the amount of coverage of the policy. After the death of the partner, the insurance company told the beneficiary that the amount of coverage promised was a mistake. The beneficiary sued, and it was ruled that the company's letter, and the payment of the monthly premium, constituted a contract that the insurance company was obligated to uphold.

  15. A life-cycle comparison of alternative automobile fuels.

    Science.gov (United States)

    MacLean, H L; Lave, L B; Lankey, R; Joshi, S

    2000-10-01

    We examine the life cycles of gasoline, diesel, compressed natural gas (CNG), and ethanol (C2H5OH)-fueled internal combustion engine (ICE) automobiles. Port and direct injection and spark and compression ignition engines are examined. We investigate diesel fuel from both petroleum and biosources as well as C2H5OH from corn, herbaceous bio-mass, and woody biomass. The baseline vehicle is a gasoline-fueled 1998 Ford Taurus. We optimize the other fuel/powertrain combinations for each specific fuel as a part of making the vehicles comparable to the baseline in terms of range, emissions level, and vehicle lifetime. Life-cycle calculations are done using the economic input-output life-cycle analysis (EIO-LCA) software; fuel cycles and vehicle end-of-life stages are based on published model results. We find that recent advances in gasoline vehicles, the low petroleum price, and the extensive gasoline infrastructure make it difficult for any alternative fuel to become commercially viable. The most attractive alternative fuel is compressed natural gas because it is less expensive than gasoline, has lower regulated pollutant and toxics emissions, produces less greenhouse gas (GHG) emissions, and is available in North America in large quantities. However, the bulk and weight of gas storage cylinders required for the vehicle to attain a range comparable to that of gasoline vehicles necessitates a redesign of the engine and chassis. Additional natural gas transportation and distribution infrastructure is required for large-scale use of natural gas for transportation. Diesel engines are extremely attractive in terms of energy efficiency, but expert judgment is divided on whether these engines will be able to meet strict emissions standards, even with reformulated fuel. The attractiveness of direct injection engines depends on their being able to meet strict emissions standards without losing their greater efficiency. Biofuels offer lower GHG emissions, are sustainable, and

  16. Health-insurance products and plan options.

    Science.gov (United States)

    Youkstetter, W D

    1990-10-01

    Trends in health insurance are discussed, with emphasis on insurers' efforts to offer an array of cost-effective plans tailored to the needs of employers and subscribers. Health-insurance companies, responding to employers' demands to curtail the rising costs of premiums, now offer a variety of insurance products. While indemnity plans, health maintenance organizations (HMOs), and preferred-provider organizations (PPOs) remain as the three basic types of plans, insurers are combining these elements in different ways, creating dual- and triple-option plans that consist of indemnity insurance and an HMO, a PPO and an HMO, or other variations. Insurers offering multiple options may effect internal cost savings through shared personnel and administrative expenses. Four factors influence the development and marketing of insurance products: cost and volume of healthcare services, adverse selection, competition, and the profit incentive. Many of the insurance products have been developed in response to requests for maximum freedom of choice of provider; as an example, the fastest-growing HMO product in 1989 was the point-of-service HMO, which allows the subscriber to seek care from a provider who is not part of the HMO network. PPOs and exclusive-provider organizations (EPOs) are growing; these are often organized by hospitals or physician networks. Among the new trends in product-line development are "riders" for specialty services such as vision care and prescription drugs. As competition intensifies, marketing efforts are focusing on previously overlooked groups such as the small employer and certain ethnic communities. Cost and freedom of choice will remain important criteria in the selection of insurance products.(ABSTRACT TRUNCATED AT 250 WORDS)

  17. MARKETING STRATEGY OF COMMERCIAL HEALTH INSURANCE COMPANY

    Directory of Open Access Journals (Sweden)

    Cut Zaraswati

    2017-01-01

    Full Text Available The objectives of this research are to: 1 compare the effect of premium earnings products of health insurances after the launching of national social health insurance (JKN-BPJS (Badan Penyelenggara Jaminan Sosial for health; 2 analyze the internal and external factors of private/commercial health insurance companies; 3 formulate a marketing strategyy for health insurance product after the operation of JKN-BPJS for health.  It is a challenge for commercial health insurance to survive and thrive with the existence of JKN-BPJS for health which is compulsory to Indonesia’s citizens to be a member. The research begins by analyzing premium earnings of the commercial health insurance company one year before and after the implementation of JKN-BPJS for health, the intensive interviews and questionnaires to the chosen resource person (purposive samplings, the analysis on Internal Factor Evaluation (IFE, External Factor Evaluation (EFE, Matrix IE and SWOT are used in the research. Then it is continued by arranging a strategic priority using Analytical Hierarchy Process (AHP.  The result from the research is there is totally no decreasing premium earnings for the commercial health insurance company although the growth trend shows a slight drop.  The appropriate strategy for the health insurance company in the commercial sector is the differentiation where the implication is involving customer service quality improvement, product innovation, and technology and infrastructure development.      Keywords:  commercial health insurance company, Marketing Strategy, AHP Analysis, national social health insurance

  18. Development of model for insurance risk management and its application to insurance companies operating in the Serbian market

    OpenAIRE

    Mirjana M. Ilic; Veselin Avdalovic; Milica D. Obadovic

    2011-01-01

    The literature on the topic of risk management in insurance generally separately treat insurance risk and insurance company risk, however such a separate treatment of risk excludes a third type of risk which is defined here, that is the risk of incorrectly calculating insurance risk, which causes uncertainties and disruptions in the operations of an insurance company and its concept of risk management arising from its activities. This paper presents a Model developed for insurance risk manage...

  19. 40 CFR Appendix I to Part 600 - Highway Fuel Economy Driving Schedule (Applicable to 1978 and Later Model Year Automobiles)

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 29 2010-07-01 2010-07-01 false Highway Fuel Economy Driving Schedule (Applicable to 1978 and Later Model Year Automobiles) I Appendix I to Part 600 Protection of Environment... to 1978 and Later Model Year Automobiles) SEC MPH SEC MPH SEC MPH SEC MPH SEC MPH SEC MPH SEC MPH...

  20. Organizational and economic aspects of benchmarking innovative products at the automobile industry enterprises

    Directory of Open Access Journals (Sweden)

    L.M. Taraniuk

    2016-06-01

    Full Text Available The aim of the article. The aim of the article is to determine the nature and characteristics of the use of benchmarking in the activity of domestic enterprises of automobile industry under current economic conditions. The results of the analysis. The article identified the concept of benchmarking, examining the stages of benchmarking, determination the efficiency of benchmarking in work automakers. It is considered the historical aspects of the emergence of benchmarking method in world economics. It is determined the economic aspects of the benchmarking in the work of enterprise automobile industry. The analysis on the stages of benchmarking of innovative products in the modern development of the productive forces and the impact of market factors on the economic activities of companies, including in the enterprise of automobile industry. The attention is focused on the specifics of implementing benchmarking at companies of automobile industry. It is considered statistics number of owners of electric vehicles worldwide. The authors researched market of electric vehicles in Ukraine. Also, it is considered the need of benchmarking using to improve the competitiveness of the national automobile industry especially CJSC “Zaporizhia Automobile Building Plant”. Authors suggested reasonable steps for its improvement. The authors improved methodical approach to assessing the selection of vehicles with the best technical parameters based on benchmarking, which, unlike the existing ones, based on the calculation of the integral factor of technical specifications of vehicles in order to establish better competitive products of companies automobile industry among evaluated. The main indicators of the national production of electric vehicles are shown. Attention is paid to the development of important ways of CJSC “Zaporizhia Automobile Building Plant”, where authors established the aspects that need to pay attention in the management of the

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

    Energy Technology Data Exchange (ETDEWEB)

    Zhang Zhang, Y.

    2010-07-01

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

  2. The 'Overly-Broad' Selden Patent, Henry Ford and Development in the Early US Automobile Industry

    DEFF Research Database (Denmark)

    Howells, John; Katznelson, Ron D

    A current policy concern is that the alleged uncertainty over the enforceability of “overly-broad” patents of “dubious validity” may retard innovation. We take the Selden patent on the automobile as a classic of this type of patent. We review the evidence of commercial development during its term...... not support the broad construction of those claims. Ford’s and the Ford Motor Co.’s confidence in their understanding was powerfully illustrated by their Company’s public offer to indemnify purchasers of Ford automobiles against the threatened suits for infringement under the Selden patent. This and other...

  3. Attitudes and decisions of the motor insurance buyers in Poland

    Directory of Open Access Journals (Sweden)

    Marta Borda

    2012-12-01

    Full Text Available Motor insurance constitutes the most popular type of insurance products purchased in Poland and consequently the largest part of non-life insurance sector. In this paper the selected results of the questionnaire survey concerning attitudes and choices of the motor insurance buyers on the Polish market are presented. First, the current situation on the Polish motor insurance market is discussed. Next, the scope of the motor insurance held by respondents, their forms and used distribution channels are analysed. The stress is put on the level of the customers` loyalty to the current insurer, as well as the factors influencing the choice of a specific insurance company and its offer. Finally, the results of the analysis concerning the statistical interdependencies between selected characteristics of the respondents are considered.The conducted research can be useful in practice for the insurance companies, interested in improving their motor insurance offer, as well as the insurance intermediaries serving individual customers

  4. [Quantum physics, medicine and insurance].

    Science.gov (United States)

    Lambeck, M

    2007-12-01

    Medicine based on natural sciences explains the action of remedies by the chemical bonding of the molecules of the remedy and of the body. This bonding takes place at distances of about 10(-10) m. Several insurance companies pay all medical treatments listed in the Hufeland catalogue of special therapeutical methods. Many of these methods contradict the mechanism mentioned above: Homoeopathy and anthroposophical medicine use substances in which the remedy is not present as matter. Bioenergetic methods like electroacupuncture according to Voll (EAV) and bioresonance use the remedies not inside the body but outside of it. They claim to substitute the chemical bonding of matter waves with the information of electromagnetic waves. The explanation given in the Hufeland catalogue by means of quantum physics is discussed and further investigations are proposed.

  5. Demystifiying state health insurance marketplaces.

    Science.gov (United States)

    Hahn, Joyce A; Sheingold, Brenda Helen; Ott, Karen M

    2013-01-01

    The state health insurance exchanges, mandated under the Patient Protection and Affordable Care Act, will impact how health care is delivered and reimbursed, and will touch the lives of nurses in all professional roles. The dynamics of how each model will operate within each state is currently a work in progress. Nurses have a tradition of providing voice and leadership in the health care reform arena from the unique position as both consumers and health care professionals. The time is right to contact state legislators and advocate for nurses to sit on the governing boards of the state health care exchanges. Communication between nurses in all states should be an ongoing dialogue through specialty and state nursing organizations to ensure nursing is aware of both issues and best practices nationwide.

  6. THE PERSISTENCE OF INSURERS PROFITABILITY

    Directory of Open Access Journals (Sweden)

    Maja Pervan

    2013-02-01

    Full Text Available Most of the academic researches have analyzed the persistence of profit for the manufacturing and (non-financial services sector. These studies were mainly conducted in advance market economies. In order to shed some light on the issue of persistence in corporate rates of return, this research aims to examine the persistence of profitability of financial entities i.e. non-life insurance companies operating in an emerging market economy, Croatia. In order to determine persistence of insurers’ profitability, a Markov Chains stochastic process is applied on the profitability classes that were formulated based on the changes of insurers’ ROA (return on assets indicator during the period from 2002 to 2011. The empirical results showed that profit persistence was more likely to occur within moderate profit classes/states.

  7. 78 FR 68103 - Transamerica Life Insurance Company, et al; Notice of Application

    Science.gov (United States)

    2013-11-13

    ... COMMISSION Transamerica Life Insurance Company, et al; Notice of Application November 6, 2013. AGENCY: The.... Applicants: Transamerica Life Insurance Company (``TLIC''), Transamerica Financial Life Insurance Company...: Transamerica Life Insurance Company and Separate Account VA B, Transamerica Financial Life Insurance......

  8. DEVELOPMENT OF INSURANCE INTERMEDIARIES IN THE DEVELOP EUROPEAN COUNTRIES

    Directory of Open Access Journals (Sweden)

    D. Nesterova

    2016-03-01

    Full Text Available The article presents theoretical and practical approaches in determining the features of insurance intermediation. It characterizes the traditional model of selling insurance products and modern multi-channel sales model of insurance services. It identifies the main legal acts that regulate the activities of insurance intermediaries in the European Union. In the article analyzed the activity of insurance intermediaries in the EU. The main channels of sales of insurance products are determined. The shares of premiums of insurance intermediaries in the volume of insurance premiums and in the GDP of the insurance markets of European countries are defined. The number of employees who are involved in insurance intermediary in the European countries is investigated. The European experience of insurance agents and insurance brokers in non-life insurance and life insurance is considered. It's analyzed the activity of insurance brokers in the Ukraine. The main trends and problems of the development of insurance intermediaries in the insurance market of Ukraine are defined.

  9. 40 CFR Appendix A to Subpart IIIi... - Determination of Capture Efficiency of Automobile and Light-Duty Truck Spray Booth Emissions From...

    Science.gov (United States)

    2010-07-01

    ... Automobile and Light-Duty Truck Spray Booth Emissions From Solvent-borne Coatings Using Panel Testing A... CATEGORIES National Emission Standards for Hazardous Air Pollutants: Surface Coating of Automobiles and Light... Efficiency of Automobile and Light-Duty Truck Spray Booth Emissions From Solvent-borne Coatings Using...

  10. 41 CFR 301-10.453 - What is my liability for unauthorized use of a rental automobile obtained with Government funds?

    Science.gov (United States)

    2010-07-01

    ... unauthorized use of a rental automobile obtained with Government funds? 301-10.453 Section 301-10.453 Public... ALLOWABLE TRAVEL EXPENSES 10-TRANSPORTATION EXPENSES Special Conveyances Rental Automobiles § 301-10.453 What is my liability for unauthorized use of a rental automobile obtained with Government funds?...

  11. Effects of Regional Automobile Maintenance Level on Automobile Marketing%区域汽车维修水平对汽车营销的作用

    Institute of Scientific and Technical Information of China (English)

    郭琳; 李剑

    2011-01-01

    Taking Shangluo as an example,automobile market and maintenance level in small town were investigated,and the relationship between automobile maintenance and marketing was studied.The results indicated that maintenance level was the key factor in the after service of automobile,which plays an important role in sales promotion.Several ways of enhancing maintenance level are proposed and the market would be expanded by meeting the consumers' after service demands.%以小型城镇商洛为例,实证考察汽车市场和维修水平,研究维修与营销之间的关系。研究发现,在竞争激烈的市场环境里,汽车维修水平是售后服务过程中的关键因素,对促进营销具有重要作用。最后找到几种提高维修水平的途径,通过满足消费者的售后服务需求寻求扩大市场。

  12. Does health insurance continuity among low-income adults impact their children's insurance coverage?

    Science.gov (United States)

    Yamauchi, Melissa; Carlson, Matthew J; Wright, Bill J; Angier, Heather; DeVoe, Jennifer E

    2013-02-01

    Parent's insurance coverage is associated with children's insurance status, but little is known about whether a parent's coverage continuity affects a child's coverage. This study assesses the association between an adult's insurance continuity and the coverage status of their children. We used data from a subgroup of participants in the Oregon Health Care Survey, a three-wave, 30-month prospective cohort study (n = 559). We examined the relationship between the length of time an adult had health insurance coverage and whether or not all children in the same household were insured at the end of the study. We used a series of univariate and multivariate logistic regression models to identify significant associations and the rho correlation coefficient to assess collinearity. A dose response relationship was observed between continuity of adult coverage and the odds that all children in the household were insured. Among adults with continuous coverage, 91.4% reported that all children were insured at the end of the study period, compared to 83.7% of adults insured for 19-27 months, 74.3% of adults insured for 10-18 months, and 70.8% of adults insured for fewer than 9 months. This stepwise pattern persisted in logistic regression models: adults with the fewest months of coverage, as compared to those continuously insured, reported the highest odds of having uninsured children (adjusted odds ratio 7.26, 95% confidence interval 2.75, 19.17). Parental health insurance continuity is integral to maintaining children's insurance coverage. Policies to promote continuous coverage for adults will indirectly benefit children.

  13. Modeling Cycle Dependence in Credit Insurance

    Directory of Open Access Journals (Sweden)

    Anisa Caja

    2014-03-01

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

  14. Experiences obtaining insurance after live kidney donation.

    Science.gov (United States)

    Boyarsky, B J; Massie, A B; Alejo, J L; Van Arendonk, K J; Wildonger, S; Garonzik-Wang, J M; Montgomery, R A; Deshpande, N A; Muzaale, A D; Segev, D L

    2014-09-01

    The impact of kidney donation on the ability to change or initiate health or life insurance following donation is unknown. To quantify this risk, we surveyed 1046 individuals who donated a kidney at our center between 1970 and 2011. Participants were asked whether they changed or initiated health or life insurance after donation, and if they had any difficulty doing so. Among 395 donors who changed or initiated health insurance after donation, 27 (7%) reported difficulty; among those who reported difficulty, 15 were denied altogether, 12 were charged a higher premium and 8 were told they had a preexisting condition because they were kidney donors. Among 186 donors who changed or initiated life insurance after donation, 46 (25%) reported difficulty; among those who reported difficulty, 23 were denied altogether, 27 were charged a higher premium and 17 were told they had a preexisting condition because they were kidney donors. In this single-center study, a high proportion of kidney donors reported difficulty changing or initiating insurance, particularly life insurance. These practices by insurers create unnecessary burden and stress for those choosing to donate and could negatively impact the likelihood of live kidney donation among those considering donation.

  15. Selection on Moral Hazard in Health Insurance

    Science.gov (United States)

    Einav, Liran; Finkelstein, Amy; Ryan, Stephen; Schrimpf, Paul

    2012-01-01

    We use employee-level panel data from a single firm to explore the possibility that individuals may select insurance coverage in part based on their anticipated behavioral (“moral hazard”) response to insurance, a phenomenon we label “selection on moral hazard.” Using a model of plan choice and medical utilization, we present evidence of heterogeneous moral hazard as well as selection on it, and explore some of its implications. For example, we show that, at least in our context, abstracting from selection on moral hazard could lead to over-estimates of the spending reduction associated with introducing a high-deductible health insurance option. PMID:24748682

  16. EXPERT SYSTEMS - DEVELOPMENT OF AGRICULTURAL INSURANCE TOOL

    Directory of Open Access Journals (Sweden)

    NAN Anca-Petruţa

    2013-07-01

    Full Text Available Because of the fact that specialty agricultural assistance is not always available when the farmers need it, we identified expert systems as a strong instrument with an extended potential in agriculture. This started to grow in scale recently, including all socially-economic activity fields, having the role of collecting data regarding different aspects from human experts with the purpose of assisting the user in the necessary steps for solving problems, at the performance level of the expert, making his acquired knowledge and experience available. We opted for a general presentation of the expert systems as well as their necessity, because, the solution to develop the agricultural system can come from artificial intelligence by implementing the expert systems in the field of agricultural insurance, promoting existing insurance products, farmers finding options in depending on their necessities and possibilities. The objective of this article consists of collecting data about different aspects about specific areas of interest of agricultural insurance, preparing the database, a conceptual presentation of a pilot version which will become constantly richer depending on the answers received from agricultural producers, with the clearest exposure of knowledgebase possible. We can justify picking this theme with the fact that even while agricultural insurance plays a very important role in agricultural development, the registered result got from them are modest, reason why solutions need to be found in the scope of developing the agricultural sector. The importance of this consists in the proposal of an immediate viable solution to correspond with the current necessities of agricultural producers and in the proposal of an innovative solution, namely the implementation of expert system in agricultural insurance as a way of promoting insurance products. Our research, even though it treats the subject at an conceptual level, it wants to undertake an

  17. Benefit Reentitlement Conditions in Unemployment Insurance Schemes

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Christoffersen, Mark Strøm; Svarer, Michael

    Unemployment insurance schemes include conditions on past employment history as part of the eligibility conditions. This aspect is often neglected in the literature which primarily focuses on benefit levels and benefit duration. In a search-matching framework we show that benefit duration...... and employment requirements are substitute instruments in affecting job search incentives and thus gross unemployment. We analyse the optimal design of the unemployment insurance system (benefit levels, duration and employment requirements) under a utilitarian social welfare function. Simulations show...... that a higher insurance motive captured by more risk aversion implies higher benefit generosity and more lax employment requirements but also shortened benefit duration....

  18. Preferences and design in insurance and pensions

    DEFF Research Database (Denmark)

    Bruhn, Kenneth

    Life insurance and pension decisions are of the more important fnancial settlements to be decided in a household. In this thesis we investigate dfferent aspects of relevance for decision making within a household, especially focusing on life insurance and pension decisions. The focus......-effects. The focus is on the consumption, investment and life insurance demands. In another modeling framework, we modify the utility measurement and propose a combination of forward and backward looking preferences. At last, a model with very explicit preferences for stability in consumption is investigated and we...

  19. Facilitating Consumer Learning in Insurance Markets

    DEFF Research Database (Denmark)

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2017-01-01

    We model a monopoly insurance market where consumers can learn their accident risks at a cost c. We then ask: What are the welfare effects of a policy that reduces c? If c is sufficiently small (c insurer...... and consumer benefit from a policy that reduces c further. For c > c*, marginally reducing c hurts the insurer and weakly benefits the consumer. Finally, a reduction in c that is “successful,” meaning that the consumer gathers information after the reduction but not before it, can hurt both parties....

  20. Genetic information and insurance: some ethical issues.

    Science.gov (United States)

    O'Neill, O

    1997-08-29

    Life is risky, and insurance provides one of the best developed ways of controlling risks. By pooling, and so transferring risks, those who turn out to suffer antecedently uncertain harms can be assured in advance that they will be helped if those harms arise; they can then plan their lives and activities with confidence that they are less at the mercy of ill fortune. Both publicly organized and commercial insurance can organize the pooling of risk in ways that are beneficial for all concerned. They provide standard ways of securing fundamental ethical values such as solidarity and mutuality. Although policy holders do not know or contract with one another, each benefits from the contribution of others to a shared scheme for pooling and so controlling risk. Although there is a limit to the degree to which commercially-based insurance, where premiums depend on risk level, can go beyond mutuality towards solidarity, in practice it too often achieves a measure of solidarity by taking a broad brush approach to pooling risk. However, the ordinary practices of insurance, and in particular of commercial insurance, also raise ethical questions. These may be put in simple terms by contrasting the way in which an insurance market discriminates between different people, on the basis of characteristics that (supposedly) determine their risk level, and our frequent abhorrence of discrimination, in particular on the basis on religious, racial and gender characteristics. Are the discriminations on which insurance practice relies upon as standard acceptable or not? The increasing availability of genetic information, which testing (of individuals) and screening (of populations) may provide, could lend urgency to these questions. Genetic information may provide a way of obtaining more accurate assessment of individual risks to health and life. This information could be used to discriminate more finely between the risk levels of different individuals, and then to alter the

  1. Infant mortality: an insured population perspective.

    Science.gov (United States)

    Zimmerman, Daniel D; Roudebush, Brad

    2012-01-01

    Many insurers offer life coverage to individuals during the first year of life. The policies tend to have small face values, but frequently contain premium waiver or additional purchase options. General population mortality is significantly higher at this age relative to older children and even middle-aged adults. This article presents the mortality experience of an insured cohort in which death occurred under 1 year of age. In summary, the insured population's mortality rate was significantly lower and the leading causes of death were different than the general population.

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

    Science.gov (United States)

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

    2012-04-01

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

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

    NARCIS (Netherlands)

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

    2011-01-01

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

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

    NARCIS (Netherlands)

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

    2012-01-01

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

  5. Aging Workforce Management in the Automobile Industry : Defining the Concept and its Constituting Elements

    NARCIS (Netherlands)

    Streb, Christoph; Voelpel, Sven; Leibold, Marius

    2009-01-01

    This paper presents the results of a grounded theory study on the automobile industry aimed at developing a concept of aging workforce management by identifying and constructing its constituting elements. Through an in-depth research investigation, it answers the question of how the challenge of an

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

    Directory of Open Access Journals (Sweden)

    S. M. Chen

    2011-01-01

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

  7. [Application of near infrared sensor to the technology of automobile transformation].

    Science.gov (United States)

    Wang, Song-de; Han, Yun-xia; Zhu, Xiao-long; Yang, Jie-hui

    2005-07-01

    Using reflective near infrared sensor and voice record-reproducing assembly, the present article studies the voice anticollision-prompting device for backing an automobile. If there is a man or an object within a certain distance behind the backing automobile, part of the infrared signal will be reflected by the man or the object, and received by the photosensitive tube installed with a transmitting tube, and transformed to a similar frequency electric signal. The electric signal will be amplified, demodulated, and shaped by the circuit of module. After comparing and processing, the control signal will be output, which controls the work of voice record-reproducing assembly, and reminds the driver that there is a man or an object behind the backing automobile. With both the near infrared sensor and voice record-reproducing assembly being integrated, the distance-warning device has the advantages of low costs, simple wiring, strong anti-detonation ability, precise measuring, and working stability. It is suitable for being installed and used on the automobile.

  8. Projections of automobile ownership and use based on household lifestyle factors. [To year 2025

    Energy Technology Data Exchange (ETDEWEB)

    Sharp, D.P.

    1979-03-01

    This report projects to the year 2025 the total number of automobiles that would be owned by American households, (total ownership) and the total number of miles that these vehicles would be driven per day (total use) given certain assumptions about the future of U.S. society. These assumptions relate to demographic, economic, and geographical attrributes of U.S. society that are relevant to the automobile. The impacts of these assumptions were analyzed via a set of projection models which explicitly recognize the relationship between these particular attributes of society and the automobile. Part I presents an overivew of the research and Part II the results. The methodology used to generate the projections is discussed in some detail in Part III. In a base case projection the number of automobiles and average daily travel of Americans double by 2025 due to increases in populaion, headship rates (households per population), and incomes. economic variables account for about half of this increase as indicated by a no economic growth projection in which ownership and daily travel increase just over 40% and 50%, respectively. Other projections explore the effects of differing assumptions regarding rates of household formations, population growth, and income growth. Model projections suggest that changed work schedules and the re-emergence of cities as growth areas will have only slight impacts on future travel and vehicle ownership.

  9. Projections of automobile, light truck, and bus stocks and sales, to the year 2000

    Energy Technology Data Exchange (ETDEWEB)

    Knorr, R.; Millar, M.

    1979-11-01

    Future stocks and sales of automobiles, light trucks, and buses are projected in this document. Automobile projections are developed for fleet and non-fleet sectors. Total auto stock is projected as a function of the number of households and of personal income, with adjustment for present and anticipated shifts from automobiles to light trucks. Automobile stocks and sales are projected to increase steadily through the year 2000 with a slightly larger growth rate associated with fleet autos. Projections of light-truck stocks and sales are developed for personal, service/utility, agriculture, manufacturing, government, wholesale/retail, and other uses based on anticipated employment and output for each of the use sectors. Projections anticipate the largest growth area to be that of personal light trucks. Bus stocks and sales are projected as a function of user populations, existing fleet characteristics, and anticipated usage patterns. School, intercity, and transit buses are included in the study. School buses are projected to have the largest percentage of growth in this sector.

  10. Abnormal Noise Source Identification and Control for Automobile Transmission in the Neutral Idle Condition

    Directory of Open Access Journals (Sweden)

    Yongxiang Li

    2013-05-01

    Full Text Available Aiming at the abnormal noise of a domestically-made automobile transmission in the neutral idle condition, seriously affecting the vehicle market competitiveness and the riding comfort ability for customers, the objective of this study to reduce the noise and vibration of the automobile transmission by accurately identifying the noise source of the transmission in the neutral idle condition. For this purpose, based on the working characteristics of the transmission, modal analysis of automobile transmission housing is formulated using 3D graphics software Pro/E together with Finite Element Method. In addition, the calculation of meshing frequency of gear pair is conducted also. Finally, through comparing model analysis results to the calculation results, it is indicated that the gear meshing impact noise of the third gear pair was identified as the noise resource of the automobile transmission in neutral idle condition, which will provide the theoretic basis to analyze its dynamic characteristics of the transmission as well as its improvement to reduce vibration and noise.

  11. 41 CFR 109-38.104 - Fuel efficient passenger automobiles and light trucks.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 3 2010-07-01 2010-07-01 false Fuel efficient passenger automobiles and light trucks. 109-38.104 Section 109-38.104 Public Contracts and Property Management Federal... AVIATION, TRANSPORTATION, AND MOTOR VEHICLES 38-MOTOR EQUIPMENT MANAGEMENT 38.1-Fuel Efficient...

  12. Thermal energy storage for the Stirling engine powered automobile. Final report

    Energy Technology Data Exchange (ETDEWEB)

    Morgan, D T [ed.

    1979-03-01

    A detailed design of a thermal energy storage (TES) system for use with the Stirling engine as an automotive power system has been developed. The gravimetric and volumetric storage densities are competitive with electric battery storage systems. The TES/Stirling engine system 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 developed in this study 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 (approx. 10 miles or less) and liquid fuel carried onboard the vehicle used for long-duration trips (as in current automobiles). The dual-mode approach permits an automobile with the convenience and flexibility of current automobiles while offering the potential of 50% savings in the consumption of premium liquid fuels for automotive propulsion in the United States. Relative to the TES-only vehicle, the dual mode approach also reduces the TES cost significantly because of the much smaller TES capacity required.

  13. 75 FR 72965 - Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile...

    Science.gov (United States)

    2010-11-29

    ... posted on the Internet at http://www.gsa.gov/ftr . This amendment also revises the reimbursement amount... (TDY) and choose to use their privately owned automobile (POA) instead; updates the definition of... periodically published in FTR Bulletins; updates the definition of ``official station''; clarifies what...

  14. The Relationship of Academic Courses to Skills Required of Automobile Repair Technicians

    Science.gov (United States)

    Freund, Stephen H.

    2013-01-01

    The primary objective was to show the important need of academic skills, specifically general education coursework, to the effectiveness of the technician's expertise in the field of automobile repair. Additionally, I emphasized that one of the keys to the quality of the technician's education is the method of instruction analyzed…

  15. Consumers' Perceived Quality, Perceived Value and Perceived Risk Towards Purchase Decision on Automobile

    Directory of Open Access Journals (Sweden)

    J. Yee

    2011-01-01

    Full Text Available Problem statement: As the level of competition keep on increasing in Malaysia automobile market, it is essential for every automobile producer companies to understand customer insight in order to further increase their share of wallet. Thus, they need to understand what factors might influence their customers’ decision in purchasing an automobile. Therefore, the objectives of this research is to study the relationships of perceived quality, perceived value and perceived risk that will affect on Malaysia consumer purchase decision towards cars. Approach: Survey using convenience sampling was done at Klang Valley to customers’ age between 23-65 years old and above. Questionnaires were distributed to 200 respondents at the sampling location. Results: All the 200 sets of data were reliable where Cronbach’s alpha is more than 0.6. Pearson correlation also showed the strength of the relationship between those variables and normality assumption was meet. Results from multiple regression analysis showed the positive association between the three factors mentioned previously with purchase decision. Conclusion/Recommendations: The results from this research provide a platform for Malaysia automobile makers to understand consumer behavior and how it affects their purchase decision. In order to ensure that the findings of sample are representative and conclusive, future research should be include with larger number of respondents.

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

    Science.gov (United States)

    Olaitan, Olawale O.; Ikeh, Joshua O.

    2015-01-01

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

  17. The impact of fixed and variable cost on automobile demand: Evidence from Denmark

    DEFF Research Database (Denmark)

    Mulalic, Ismir; Rouwendal, Jan

    2015-01-01

    and derive an expression for the full willingness to pay for characteristics that takes into account the impact on fixed as well as variable costs. We apply the model to the demand for automobiles using rich Danish register data. Estimation reveals considerable heterogeneity and a non-negligible contribution...

  18. The Relationship of Academic Courses to Skills Required of Automobile Repair Technicians

    Science.gov (United States)

    Freund, Stephen H.

    2013-01-01

    The primary objective was to show the important need of academic skills, specifically general education coursework, to the effectiveness of the technician's expertise in the field of automobile repair. Additionally, I emphasized that one of the keys to the quality of the technician's education is the method of instruction analyzed through…

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

    DEFF Research Database (Denmark)

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

    2015-01-01

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

  20. 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

    of OECD countries. We comment briefly on the impact of these gaps on econometric estimates of the price and income elasticities of automobile fuel use. We show that improper use of the circularity often leads to gross errors in estimating fuel intensity and other indicators of energy use for personal...

  1. Fault Diagnosis of Automobile Crane Power Steering System Aided by ICP-AES

    Directory of Open Access Journals (Sweden)

    Lidan Chen

    2013-01-01

    Full Text Available The objective of this paper is to evaluate an innovative application of inductively coupled plasma atomic emission spectroscopy (ICP-AES on the fault diagnosis of automobile crane hydraulic power steering (HPS system. Contents of Fe, Cu and Al were examined by ICP-AES in the oil samples of HPS system for four different mileages of Puyuan QY50H. The mileages were 2000-9000 km, 11000-19000 km, 21000-28000 km and 32000-40000 km separately. Database of major mental contents in automobile crane HPS system of Puyuan QY50H with different mileage were calibrated. Results showed that, major mental contents were increased with the increasing of driving mileage and the normal contents laid between two trend lines. Through the determination of mental contents in HPS oil sample and further compared them with the values in their database, we could not only evaluate the wear condition of automobile crane HPS system, but also helped to diagnose the faults without dissembled the problematic vehicle. The results further indicated that, in time maintenance, high quality and low cost reparation could be realized by the application of ICP-AES technology on fault diagnosis of automobile crane power steering system.

  2. NEW VECTORS OF THE MOTOR INSURANCE DEVELOPMENT IN UKRAINE

    Directory of Open Access Journals (Sweden)

    N. Prikazyuk

    2015-04-01

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

  3. 12 CFR 740.3 - Advertising of excess insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Advertising of excess insurance. 740.3 Section... ACCURACY OF ADVERTISING AND NOTICE OF INSURED STATUS § 740.3 Advertising of excess insurance. Any advertising that mentions share or savings account insurance provided by a party other than the NCUA...

  4. Pricing Insurance and Warranties: Ambiguity and Correlated Risks

    Science.gov (United States)

    1988-11-01

    profit. Boston: Houghton Mifflin. Kunreuther, H. (1987). Problems and issues of environmental liability insurance. The Geneva Papers on Risk and Insurance , 12...324-329. Stone, J. (1973). A theory of capacity and the insurance of catastrophe risks (Part I). Journal of Risk and Insurance , 40, 231-243. Tetlock

  5. SIMULATION OF THE INSURANCE COMPANY’S MARKETING STRATEGY

    Directory of Open Access Journals (Sweden)

    О. Klepikova

    2013-05-01

    Full Text Available The article is devoted the development of marketing strategy of the insurance company with using of mathematical modeling of structures. The algorithm was developed for calculating the coefficient of “probability of insurance policy acquisition” which accumulates the influence of factors related to the feature of providing insurance services and financial activities of the insurance company.

  6. "What the Board Needs To Know About Insurance."

    Science.gov (United States)

    Podesta, Victor J.

    This speech describes local school board concern over rising insurance costs, suggests an insurance pool for New Jersey public schools under Department of Education control, and discusses other insurance matters of concern to school boards. The author observes that a State Department sampling of insurance brokers who carry the bulk of student…

  7. 48 CFR 28.308 - Self-insurance.

    Science.gov (United States)

    2010-10-01

    ... contractor's latest financial statements; (5) Any self-insurance feasibility studies or insurance market surveys reporting comparative alternatives; (6) Loss history, premiums history, and industry ratios; (7) A... projected average loss; and (10) A disclosure of all captive insurance company and re-insurance...

  8. 46 CFR 308.104 - Additional war risk insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Additional war risk insurance. 308.104 Section 308.104 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.104 Additional war risk insurance. Owners or charterers...

  9. 46 CFR 308.401 - Eligibility for insurance.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Eligibility for insurance. 308.401 Section 308.401 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Builder's Risk Insurance § 308.401 Eligibility for insurance. A vessel is eligible for...

  10. Insurance and Risk Management at the National Outdoor Leadership School.

    Science.gov (United States)

    Chu, Lantien

    1990-01-01

    Describes how an outdoor program specializing in wilderness expeditions approaches risk management, liability, and insurance. Discusses maintaining good communications with insurance agents, managing crisis situations, participating in program audits, reading the fine print, international insurance coverage, and the basis for insurance premiums.…

  11. 46 CFR 308.402 - Insurance during vessel construction period.

    Science.gov (United States)

    2010-10-01

    ... RISK INSURANCE War Risk Builder's Risk Insurance § 308.402 Insurance during vessel construction period... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance during vessel construction period. 308.402... inclusion as part of the vessel becomes at risk at the shipyard of the builder to the date and time...

  12. 46 CFR 308.107 - War risk hull insurance policy.

    Science.gov (United States)

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false War risk hull insurance policy. 308.107 Section 308.107 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Hull and Disbursements Insurance § 308.107 War risk hull insurance policy. Standard Form...

  13. 7 CFR 457.109 - Sugar Beet Crop Insurance Provisions.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Sugar Beet Crop Insurance Provisions. 457.109 Section... CORPORATION, DEPARTMENT OF AGRICULTURE COMMON CROP INSURANCE REGULATIONS § 457.109 Sugar Beet Crop Insurance Provisions. The Sugar Beet Crop Insurance Provisions for the 1998 and succeeding crop years in countries...

  14. China's 1st domestic insurer launches operations

    Institute of Scientific and Technical Information of China (English)

    2005-01-01

    Union Life Insurance has started operations. It's one of 18 locally funded domestic insurance companies, recently approved by the China Insurance Regulatory Commission, in Wuhan, Hubei Province. This is the first domestic insurance company to open its doors, in the past nine years.

  15. The Swedish national dental insurance and dental health care policy

    DEFF Research Database (Denmark)

    Moore, Rod

    1981-01-01

    Sweden initiated a dental health care insurance in 1973. The health insurance is outlined, current problems and political issues are described. The benefits and limitations are described.......Sweden initiated a dental health care insurance in 1973. The health insurance is outlined, current problems and political issues are described. The benefits and limitations are described....

  16. Health insurance and switching behavior : Evidence from the Netherlands

    NARCIS (Netherlands)

    Beest, van F.; Lako, C.J.; Sent, E.-M.

    2012-01-01

    Introduction: Since the introduction of the Health Insurance Act in the Netherlands in 2006, insur- ers are incentivized to compete on prices for basic health insurance, and on price and quality for supplementary insurance. The new health in- surance system aimed to create a more com- petitive marke

  17. Dutch health insurance reform: the new role of collectives.

    NARCIS (Netherlands)

    Groenewegen, P.P.; Jong, J.D. de

    2007-01-01

    In the new Dutch health insurance system individuals have the option of joining a collective insurance contract. Insurers are allowed to offer premium reductions of up to 10% to members of collectives, based on the number of insurees. Collectives might exert more influence on insurers than individua

  18. 5 CFR 870.402 - Withholdings for Optional insurance.

    Science.gov (United States)

    2010-01-01

    ... which his/her birthday occurs. (3) When OPM makes any adjustment to the Optional life insurance premiums... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' GROUP LIFE INSURANCE PROGRAM Cost of Insurance § 870.402... amount of Optional life insurance deductions from an individual's pay, annuity, or compensation,...

  19. 38 CFR 8.3 - Revival of insurance.

    Science.gov (United States)

    2010-07-01

    ... life insurance which are equal to or greater in amount than the total of the monthly premiums which... income provision lapsed at the same time as the life insurance, the premium for the provision will be... INSURANCE Premiums § 8.3 Revival of insurance. (a) If the sole reason death or total disability...

  20. 12 CFR 339.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Forced placement of flood insurance. 339.7... GENERAL POLICY LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS § 339.7 Forced placement of flood insurance. If... not covered by flood insurance or is covered by flood insurance in an amount less than the...

  1. 12 CFR 572.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Forced placement of flood insurance. 572.7... HAVING SPECIAL FLOOD HAZARDS § 572.7 Forced placement of flood insurance. If a savings association, or a... not covered by flood insurance or is covered by flood insurance in an amount less than the...

  2. 12 CFR 760.7 - Forced placement of flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Forced placement of flood insurance. 760.7... LOANS IN AREAS HAVING SPECIAL FLOOD HAZARDS § 760.7 Forced placement of flood insurance. If a credit... not covered by flood insurance, or is covered by flood insurance in an amount less than the...

  3. 75 FR 60833 - Jackson National Life Insurance Company, et al.;

    Science.gov (United States)

    2010-10-01

    ... COMMISSION Jackson National Life Insurance Company, et al.; Notice of Application September 27, 2010. AGENCY... National Life Insurance Company (``Jackson''), Jackson National Life Insurance Company of New York... Companies and serve as the underlying investment vehicles for the variable life insurance contracts...

  4. 26 CFR 1.819-2 - Foreign life insurance companies.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Foreign life insurance companies. 1.819-2... TAX (CONTINUED) INCOME TAXES Miscellaneous Provisions § 1.819-2 Foreign life insurance companies. (a) Carrying on United States insurance business. Section 819(a) provides that a foreign life insurance...

  5. 32 CFR 552.67 - Life insurance policy content.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 3 2010-07-01 2010-07-01 true Life insurance policy content. 552.67 Section 552... Reservations § 552.67 Life insurance policy content. Insurance policies offered and sold on Army installations... premium based on the length of time the policy has been in force. (f) Variable life insurance policies...

  6. Life, health, and disability insurance: understanding the relationships.

    Science.gov (United States)

    Jerry, Robert H

    2007-01-01

    Communitarian values are stronger in health insurance than in life or disability insurance. This correlates with increased tolerance for insurers' use of genetic information in disability insurance underwriting, which, in turn, is relevant to the scope and content of proposals to regulate such use.

  7. FINANCIAL STABILITY OF INSURANCE AND ITS SOURCES OF SUPPORT

    Directory of Open Access Journals (Sweden)

    R. Pikus

    2016-03-01

    Full Text Available The article describes theoretical aspects of determination of financial stability of insurance companies of Ukraine. It was found the main factors that influence the financial stability of insurance companies. Influencing factors are classified into internal and external and the effects of these factors on insurers' activities are presented. The main criteria of financial stability of insurance companies were deeply analysed and the most significant were chosen: sufficient amount of equity capital, the optimal tariff policy, balanced insurance portfolio, secure and effective reinsurance program, sufficient amount of insurance reserves for future payments, optimal investment management of insurance reserves and high solvency of an insurance company. Basic directions of provision and maintenance of financial stability of insurance companies in post-crisis period were presented. The main problems of provision and maintenance of financial stability of insurance companies were outlined and recommendations for its strengthening were provided.

  8. STATE REGULATION OF INVESTMENT INSURANCE COMPANIES IN UKRAINE

    Directory of Open Access Journals (Sweden)

    О. Zaletov

    2016-03-01

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

  9. Strategies for Development of Shaanxi’s Agricultural Insurance Industry

    Institute of Scientific and Technical Information of China (English)

    2012-01-01

    This paper introduces current situations of agricultural insurance market in Shaanxi Province. It is indicated that development of Shaanxi’s agricultural insurance industry is faced with following difficulties. First, risks of agricultural production are various, occurrence frequency is high and losses are great. Second, effective supply of commercial insurance companies for agriculture is seriously inadequate. Third, farmers’ demand for agricultural insurance is restricted by many factors. Fourth, government support for agricultural insurance is not generous. Then, it puts forward strategies for development of agricultural insurance in Shaanxi Province. These include: encourage commercial insurance companies to actively enter agricultural insurance market; establish perfect agricultural reinsurance system; strengthen propaganda of agricultural insurance and speed up agricultural industrialization; enhance policy support for agricultural insurance to promote its development.

  10. Risk Selection under Public Health Insurance with Opt-Out.

    Science.gov (United States)

    Panthöfer, Sebastian

    2016-09-01

    This paper studies risk selection between public and private health insurance when some, but not all, individuals can opt out of otherwise mandatory public insurance. Using a theoretical model, I show that public insurance is adversely selected when insurers and insureds are symmetrically informed about health-related risks, and that there can be adverse or advantageous selection when insureds are privately informed. Using data from the German Socio-Economic Panel, I find that (i) public insurance is, on balance, adversely selected under the German public health insurance with opt out scheme, (ii) individuals advantageously select public insurance based on risk aversion and residential location, and (iii) there is suggestive evidence of asymmetric information in the market for private health insurance. Copyright © 2016 John Wiley & Sons, Ltd.

  11. [The combination of "Careworks" insurance plan integrated with medical and long-term care insurance].

    Science.gov (United States)

    Sumii, Hiroshi

    2006-11-01

    The social security system in Japan was greatly revolutionized when the long-term care insurance plan began in April 2000. Thus, Japan began the 21st century with two great social insurance plans, that is, medical care insurance and long-term care insurance. Each delivery system is divided: the medical care insurance plan is for the acute stage, and the long-term care is for the chronic stage. Both systems can be intended to cooperate to provide continuous care throughout life. The public health and welfare system has been trying hard to efficiently integrate the medical and long-term care insurance plans. However, it is necessary to establish a new insurance plan for ensuring the integrated adequacy of both insurance systems. One's life is destined to shift from medical care to long-term care at some point. As one ages or becomes disabled, it becomes difficult to lead an independent life with self-decision, and social support become necessary from third parties, instead of from the family or from one's own means. The society imposes the responsibility of payment of the medical and long-term care plan premiums on the individual throughout life. However, the structure of these insurance foundations should be combined under an integrated system, "Careworks", in order to also combine the concepts of length of life from the medicine and the respect of living from the long-term case to improve the social security of the life.

  12. HEALTH INSURANCE: FIXED CONTRIBUTION AND REIMBURSEMENT MAXIMA

    CERN Multimedia

    Human Resources Division

    2001-01-01

    Affected by the salary adjustments on 1 January 2001 and the evolution of the staff members and fellows population, the average reference salary, which is used as an index for fixed contributions and reimbursement maxima, has changed significantly. An adjustment of the amounts of the reimbursement maxima and the fixed contributions is therefore necessary, as from 1 January 2001. Reimbursement maxima The revised reimbursement maxima will appear on the leaflet summarizing the benefits for the year 2001, which will be sent out with the forthcoming issue of the CHIS Bull'. This leaflet will also be available from the divisional secretariats and from the UNIQA office at CERN. Fixed contributions The fixed contributions, applicable to some categories of voluntarily insured persons, are set as follows (amounts in CHF for monthly contributions) : voluntarily insured member of the personnel, with normal health insurance cover : 910.- (was 815.- in 2000) voluntarily insured member of the personnel, with reduced heal...

  13. Flood Insurance Rate Map, Scott County, USA

    Data.gov (United States)

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk information and supporting data used to develop the risk data. The primary risk...

  14. DIGITAL FLOOD INSURANCE RATE MAP DATABASE, , USA

    Data.gov (United States)

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk Information And supporting data used to develop the risk data. The primary risk;...

  15. Insurance of solar systems; Vorsicht statt Nachsicht

    Energy Technology Data Exchange (ETDEWEB)

    Seltmann, T.

    1998-07-01

    Some insurance companies (e.g. Fairsicherungsladen, Muenster, and Quickborner Versicherungsbuero fuer Umweltprojekte) are offering special insurance packages for solar systems. However, these are tailored for large-surface systems on roofs not owned by the insured party. Builder-owners with small roof-mounted solar systems will fare better by integrating the PV system in their existing building insurance. (orig.) [Deutsch] Aus den Erfahrungen im Bereich der Windkraftanlagen entwickelten u.a. Versicherungsbueros wie der Fairsicherungsladen in Muenster und das Quickborner Versicherungsbuero fuer Umweltprojekte spezielle Versicherungsangebote fuer die Betreiber von Solarstromanlagen. Waehrend sich diese ``Vollkaskoversicherungen`` fuer grosse Anlagen auf Fremddaechern optimal eignen, bietet es sich fuer die Betreiber kleiner Anlagen auf dem eigenen Hausdach zunaechst an, die PV-Anlage in die bestehenden Gebaeudeversicherungen einzubeziehen. (orig./AKF)

  16. HEALTH INSURANCE: CONTRIBUTIONS AND REIMBURSEMENT MAXIMAL

    CERN Multimedia

    HR Division

    2000-01-01

    Affected by both the salary adjustment index on 1.1.2000 and the evolution of the staff members and fellows population, the average reference salary, which is used as an index for fixed contributions and reimbursement maximal, has changed significantly. An adjustment of the amounts of the reimbursement maximal and the fixed contributions is therefore necessary, as from 1 January 2000.Reimbursement maximalThe revised reimbursement maximal will appear on the leaflet summarising the benefits for the year 2000, which will soon be available from the divisional secretariats and from the AUSTRIA office at CERN.Fixed contributionsThe fixed contributions, applicable to some categories of voluntarily insured persons, are set as follows (amounts in CHF for monthly contributions):voluntarily insured member of the personnel, with complete coverage:815,- (was 803,- in 1999)voluntarily insured member of the personnel, with reduced coverage:407,- (was 402,- in 1999)voluntarily insured no longer dependent child:326,- (was 321...

  17. DIGITAL FLOOD INSURANCE RATE MAP DATABASE,

    Data.gov (United States)

    Federal Emergency Management Agency, Department of Homeland Security — The Digital Flood Insurance Rate Map (DFIRM) Database depicts flood risk Information And supporting data used to develop the risk data. The primary risk;...

  18. Performance insurance: rewarding managers for better service

    NARCIS (Netherlands)

    Zetland, D.J.

    2012-01-01

    Water utilities need to improve their performance in ways that are transparent and obvious to customers. David Zetland explains how performance insurance can improve outcomes for customers, ease the workload on regulators, and reward good managers

  19. Life cycle responses to health insurance status.

    Science.gov (United States)

    Pelgrin, Florian; St-Amour, Pascal

    2016-09-01

    This paper studies the lifetime effects of exogenous changes in health insurance coverage (e.g. Medicare, PPACA, termination of employer-provided plans) on the dynamic optimal allocation (consumption, leisure, health expenditures), status (health and wealth), and welfare. We solve, simulate, and structurally estimate a parsimonious life cycle model with endogenous exposure to morbidity and mortality risks, and exogenous health insurance. By varying coverage, we identify the marginal effects of insurance when young and/or when old on allocations, statuses, and welfare. Our results highlight positive effects of insurance on health, wealth and welfare, as well as mid-life substitution away from healthy leisure in favor of more health expenses, caused by peaking wages, and accelerating health issues.

  20. Health Insurance Rate Review Fact Sheet

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Affordable Care Act is bringing an unprecedented level of scrutiny and transparency to health insurance rate increases. The Act ensures that, in any State, any...