WorldWideScience

Sample records for automobile insurance

  1. Price Variability in Automobile Insurance

    OpenAIRE

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

    1992-01-01

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

  2. 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.

  3. Telematics Strategy for Automobile Insurers : Whitepaper

    OpenAIRE

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

    2013-01-01

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

  4. Estimation of Claim Numbers in Automobile Insurance

    OpenAIRE

    Arató, Miklós; Martinek, László

    2012-01-01

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

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

    OpenAIRE

    Strauss, Jason

    2006-01-01

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

  6. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2010-07-01

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

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

    OpenAIRE

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

    1986-01-01

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

  9. 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

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

    CERN Document Server

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

    2011-01-01

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

  11. 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.

  12. About Insurance.

    Science.gov (United States)

    Pieslak, Raymond F.

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

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

    Institute of Scientific and Technical Information of China (English)

    胡宏兵; 龙骧

    2012-01-01

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

  14. Nonpolluting automobiles

    Energy Technology Data Exchange (ETDEWEB)

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

    1994-11-01

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

  15. 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)

  16. 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.

  17. The automobile share

    International Nuclear Information System (INIS)

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

  18. Stirling engines for automobiles

    Science.gov (United States)

    Beremand, D. G.

    1979-01-01

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

  19. Role of nuclear insurance in US

    International Nuclear Information System (INIS)

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

  20. Solar Energy Automobile

    OpenAIRE

    He, Jianhua

    2014-01-01

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

  1. The automobile in Japan

    OpenAIRE

    Lone, Stewart; Madeley, Christopher

    2005-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Kishor R

    2014-05-01

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

  3. The Legal Adjustment of the Compensation Duty of the Automobile Insurance and Its Protection Measures%车险赔付义务的法律调整及其保障措施

    Institute of Scientific and Technical Information of China (English)

    宫海燕

    2012-01-01

    我国车险赔付在车险的险种规定、责任规定等方面存在一定的问题。应借鉴美国“从人主义”的汽车保险制度、英国“完全市场细分”的汽车保险制度、德国的汽车分级保险制度,从汽车保险行业标准、车险赔付机制、保险市场信息系统、保险监管系统建设等方面对我国车险赔付义务有效履行的保障措施进行调整。%There exists problems in the compensation based on insurance provisions and the compensation obligation responsibility provisions. We should learn from the United States of America "from drivers" auto insurance system, the British "full market subdivision" auto insurance system, and Germany auto classification of insurance system, this paper put forwards that we should do something to strengthen the car compensation obligation, such as the auto insurance industry standard, compensation mechanism, the insurance market, insurance regulatory information system the system construction.

  4. Northeast:Automobile Feast

    Institute of Scientific and Technical Information of China (English)

    Janet

    2008-01-01

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

  5. On the automobile lightweight

    Institute of Scientific and Technical Information of China (English)

    Ma Mingtu; Yi Hongliang; Lu Hongzhou; Wan Xinming

    2012-01-01

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

  6. Insurance frauds

    OpenAIRE

    Lešková, Michaela

    2014-01-01

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

  7. 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...

  8. 49 CFR 523.4 - Passenger automobile.

    Science.gov (United States)

    2010-10-01

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

  9. Life insurance

    OpenAIRE

    Topič, Jakub

    2009-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Ozomata David AHMED

    2011-06-01

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

  11. 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.

  12. 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...

  13. 48 CFR 3052.228-70 - Insurance.

    Science.gov (United States)

    2010-10-01

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

  14. 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...

  15. 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.

  16. 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.

  17. Automobile Driving and Aggressive Behavior

    OpenAIRE

    Novaco, Raymond W.

    1991-01-01

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

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

    Science.gov (United States)

    2010-01-01

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

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

    Science.gov (United States)

    2010-10-01

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

  20. Premium Forecasting of AN Insurance Company:

    Science.gov (United States)

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

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

  1. Determinants of automobile loan default and prepayment

    OpenAIRE

    Sumit Agarwal; Ambrose, Brent W.; Souphala Chomsisengphet

    2008-01-01

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

  2. 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…

  3. INSURANCE GUARANTEE

    OpenAIRE

    Stanescu Catalin-Florinel; Simion Mircea-Laurentiu

    2013-01-01

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

  4. 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.

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

    DEFF Research Database (Denmark)

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

    2014-01-01

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

  6. Captive insurance

    OpenAIRE

    Ambrosová, Simona

    2011-01-01

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

  7. 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.

  8. Prelaunch Forecasting of New Automobiles

    OpenAIRE

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

    1990-01-01

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

  9. Quality Change in Brazilian Automobiles

    OpenAIRE

    Renato Fonseca

    2015-01-01

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

  10. Electric automobil - wishes and reality

    OpenAIRE

    Duchoň, Bedřich; Opava, Jaroslav

    2010-01-01

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

  11. Hybrid Voltage Regulator for Automobiles

    OpenAIRE

    Sei-Ichi Denda; Tadashi Takahashi; Akihiro Sawamura

    1981-01-01

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

  12. PROSPECTS OF AUTOMOBILE TIRE RECYCLING

    OpenAIRE

    A. D. Gusev; V. S. Demyanova

    2012-01-01

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

  13. Automobile technology of the future

    International Nuclear Information System (INIS)

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

  14. 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...

  15. Automobile Fuel Economy: What is it Worth?

    OpenAIRE

    Nair, Santosh; Espey, Molly

    2004-01-01

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

  16. Pulmonary function in automobile repair workers

    OpenAIRE

    Chattopadhyay O

    2007-01-01

    Background : Automobile repair shop is a place where workers are exposed to harmful chemicals and toxic substances. Objective : To study the occurrence of obstructive and restrictive pulmonary impairment among automobile garage workers. Methods : A cross sectional study involving 151 automobile garage workers from 14 randomly selected garages of urban Kolkata. The study variables were Forced Expiratory Volume in 1 second (FEV 1 ), Forced Vital Capacity (FVC), Peak Expiratory Flow Rate (...

  17. 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....

  18. The Emergence of the Chinese Automobile Sector

    OpenAIRE

    Mark Baker; Markus Hyvonen

    2011-01-01

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

  19. 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.

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

    Science.gov (United States)

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

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

  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. PROSPECTS OF AUTOMOBILE TIRE RECYCLING

    Directory of Open Access Journals (Sweden)

    A. D. Gusev

    2012-11-01

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

  4. Pension insurance

    OpenAIRE

    Procházková, Olga

    2010-01-01

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

  5. Study of automobile exhaust particles by spectromicroscopy

    International Nuclear Information System (INIS)

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

  6. 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.

  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. 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...

  9. 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.

  10. 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.

  11. 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.

  12. Health Insurance Basics

    Science.gov (United States)

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

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

    OpenAIRE

    Wagner, Michael

    2013-01-01

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

  14. 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.

  15. The rolling and skidding of automobile tyres

    Science.gov (United States)

    Tabor, D.

    1994-09-01

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

  16. 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.

  17. CHOICE OF STRATEGY DIVERSIFICATION ON AUTOMOBILE TRANSPORT

    OpenAIRE

    Bilichenko, V.; Tsymbal, S.

    2005-01-01

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

  18. The Eighth China (Guangzhou) International Automobile Exhibition

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    The annual China (Guangzhou) International Automobile Exhibition was held at the China Import and Export Commodity Fair on December 21-27, 2010. This year’s exhibition covered about 160,000 square meters. The world’s most

  19. 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.

  20. Competition in the IndianAutomobile Industry

    OpenAIRE

    Singh, Gagandeep

    2009-01-01

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

  1. 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

  2. Export insurance

    International Nuclear Information System (INIS)

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

  3. 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...

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

    OpenAIRE

    Georges Dionne; Benoit Dostie

    2007-01-01

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

  5. WAYS AND PERSPECTIVES OF TECHNICAL DEVELOPMENT ON AUTOMOBILE TRANSPORT

    OpenAIRE

    Bilichenko, V.; Smyrnov, E.

    2005-01-01

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

  6. Renewing Marketing Strategy in Kenyan Automobile Industry

    OpenAIRE

    Kalliokuusi, Miriam

    2013-01-01

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

  7. Automobile Exhaust Pollution and Purification Methods

    OpenAIRE

    Tang, Dawei

    2014-01-01

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

  8. Prescriptions and Insurance Plans

    Science.gov (United States)

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

  9. 77 FR 63917 - WTO Dispute Settlement Proceeding Regarding China-Certain Measures Affecting the Automobile and...

    Science.gov (United States)

    2012-10-17

    ... Automobile and Automobile-Parts Industries AGENCY: Office of the United States Trade Representative. ACTION... export performance to ] automobile and automobile-parts enterprises in China. These measures appear to be... automobile and automobile-parts enterprises in China. Specifically, the United States is challenging...

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

    OpenAIRE

    ŞAHİN, Yaşar Güneri

    2010-01-01

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

  11. The Strategic Transformation of Automobile Industry in China

    OpenAIRE

    Som Techakanjanakit; Meifang Huang

    2012-01-01

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

  12. Research on automobile culture and entertainment industry in China

    OpenAIRE

    Li Qing-song; Tang Lan; Cai Yun

    2012-01-01

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

  13. 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.

  14. 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...

  15. 49 CFR 529.4 - Requirements for incomplete automobile manufacturers.

    Science.gov (United States)

    2010-10-01

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

  16. 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...

  17. Unemployment Insurance Query (UIQ)

    Data.gov (United States)

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

  18. Unemployment Insurance Management.

    Science.gov (United States)

    Pope, Daniel C.

    1979-01-01

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

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

    OpenAIRE

    Syed Karamat Ullah Hussainy; Salman Bashir; Syed Luqman Hakim

    2009-01-01

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

  20. 49 CFR 523.3 - Automobile.

    Science.gov (United States)

    2010-10-01

    ... multi-stage vehicles per year; or (3) A work truck. (b) The following vehicles rated at more than 6,000... which would satisfy the criteria in § 523.4 (relating to passenger automobiles) but for their gross vehicle weight rating. (2) Vehicles which would satisfy the criteria in § 523.5 (relating to light...

  1. 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…

  2. 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

  3. Life Insurance. Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

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

  4. 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.

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

    Directory of Open Access Journals (Sweden)

    Nidhi Arora

    2014-03-01

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

  6. 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...

  7. Women's Health Insurance Coverage

    Science.gov (United States)

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

  8. Hybridní pohon automobilů

    OpenAIRE

    Tvrdý, Josef

    2014-01-01

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

  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. Amarok Pikap: interactive percussion playing automobile

    OpenAIRE

    Artut, Selçuk Hüseyin; Artut, Selcuk Huseyin

    2013-01-01

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

  11. Statistical machine translation for automobile marketing texts

    OpenAIRE

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

    2013-01-01

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

  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. New type air (automobile) gamma spectroscopic system

    International Nuclear Information System (INIS)

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

  14. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

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

  15. Corrosion protection and finishing of automobiles

    International Nuclear Information System (INIS)

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

  16. 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.

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

    OpenAIRE

    Spatz, Julius; Nunnenkamp, Peter

    2002-01-01

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

  18. 24 CFR 266.602 - Mortgage insurance premium: Insured advances.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured advances. (a) Initial premium. For projects involving insured advances, on the date of the initial...

  19. Understanding health insurance plans

    Science.gov (United States)

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

  20. Risks In Marine Insurance

    OpenAIRE

    Jelena Grdinic

    2008-01-01

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

  1. Credit risk insurance

    OpenAIRE

    Pospíšil, Marek

    2010-01-01

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

  2. Insurance Contracts and Securitization

    OpenAIRE

    Doherty, Neil A.; Schlesinger, Harris

    2001-01-01

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

  3. Rethinking Social Insurance

    OpenAIRE

    Martin Feldstein

    2005-01-01

    This paper begins by discussing the nature of and rationale for social insurance programs. I then consider three political principles and four economic principles that could guide the design and reform of social insurance programs. These ideas are then applied to unemployment insurance, Social Security pensions, health insurance and Medicare. A common theme is the advantage of incorporating investment based personal accounts in each of these programs.

  4. Multiple Peril Crop Insurance

    OpenAIRE

    Edwards, William M.; Hofstrand, Donald

    2003-01-01

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

  5. 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

  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. 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…

  8. 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...

  9. 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.

  10. 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.

  11. Public Insurance and Equality

    DEFF Research Database (Denmark)

    Landes, Xavier; Néron, Pierre-Yves

    2015-01-01

    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......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...

  12. STRATEGY AND PROSPECTS OF UKRAINIAN AUTOMOBILE MOTOR INDUSTRY DEVELOPMENT

    OpenAIRE

    Kryvokon, A.; Bondarenko, A.

    2012-01-01

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

  13. 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.

  14. 40 CFR 600.315-82 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

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

  15. 40 CFR 600.315-08 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

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

  16. OPTIMAL AUTOMOBILE MUFFLER VIBRATION AND NOISE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Sujit Kumar Jha

    2013-06-01

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

  17. Alternativní pohony automobilů

    OpenAIRE

    Filip, Vojtěch

    2016-01-01

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

  18. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

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

  19. Insurance flood maps

    International Nuclear Information System (INIS)

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

  20. Active social insurance

    OpenAIRE

    Røed, Knut

    2012-01-01

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

  1. Health and disability insurance

    OpenAIRE

    Börsch-Supan, Axel

    2011-01-01

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

  2. Consumer preferences for automobile energy-efficiency grades

    International Nuclear Information System (INIS)

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

  3. 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

  4. 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.

  5. Perception of risk from automobile safety defects.

    Science.gov (United States)

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

    1987-10-01

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

  6. Analytical description of the modern steam automobile

    Science.gov (United States)

    Peoples, J. A.

    1974-01-01

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

  7. 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.

  8. Theory of health insurance.

    Science.gov (United States)

    Nyman, J A

    1998-01-01

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

  9. Taxes and Health Insurance

    OpenAIRE

    Jonathan Gruber

    2001-01-01

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

  10. 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.

  11. 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.

  12. 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.

  13. 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.

  14. Premium differentiation in social insurance

    NARCIS (Netherlands)

    P. Besseling; A.L. Bovenberg (Lans); R.A. de Mooij (Ruud)

    1998-01-01

    textabstractPremium differentiation in disability insurance encourages employers to improve working conditions in order to combat disability. Furthermore, by introducing competition in disability insurance, the implementation and administration of the insurance becomes more efficient. This advantage

  15. Private Health Insurance in Canada

    OpenAIRE

    Jeremiah Hurley; Emmanuel Guindon

    2008-01-01

    Although a majority of Canadians hold some form of private health care insurance -- most commonly obtained as an employment benefit -- private insurance finances only 12% of health care expenditures in Canada and its financing role is essentially limited to complementary coverage for services not covered by public insurance programs. Private supplementary insurance for services covered by the public insurance system does not exist in Canada. This limited role for private insurance in health c...

  16. Profitability of Title Insurance Companies

    OpenAIRE

    Edwin H. Duett; Robert A. Hershbarger

    1992-01-01

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

  17. Risk Management in Insurance Companies

    OpenAIRE

    Yang, Xufeng

    2006-01-01

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

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

    OpenAIRE

    Yesim Yayla, A.; Yildiz, A

    2013-01-01

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

  19. Uninsured vs. insured population

    DEFF Research Database (Denmark)

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

    2003-01-01

    This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were ana...

  20. Nuclear energy and insurance

    International Nuclear Information System (INIS)

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

  1. 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.

  2. 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 “...

  3. Effect of aftermarket automobile window tinting films on driver vision.

    Science.gov (United States)

    LaMotte, J; Ridder, W; Yeung, K; De Land, P

    2000-01-01

    This study was conducted to determine the level of automobile window tint that causes a significant reduction of vision for automobile drivers. Contrast sensitivity was measured on 20 participants, of whom 10 were age 20 to 29 years and 10 were age 60 to 69 years, through a stock automobile window (control) and two windows darkened with plastic film. For the younger drivers, a car window with 37% transmittance did not significantly reduce contrast sensitivity, but a darker tint of 18% transmittance reduced contrast sensitivity at higher spatial frequencies. For the older drivers, a tint of 37% transmittance significantly reduced mid-to- high spatial frequency contrast sensitivity. The typical state standard (no tint with less than 35% transmittance) would thus seem to be appropriate for younger drivers; however, further examination of the standard may be necessary in regard to older drivers. Actual or potential applications of this research include guidelines and regulations regarding tinting of automobile windows. PMID:11022888

  4. 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.

  5. Travel insurance and health.

    Science.gov (United States)

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

    1999-12-01

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

  6. Supply Chain Management Practices of Indian Automobile Industry

    OpenAIRE

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

    2011-01-01

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

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

    OpenAIRE

    Rapacciuolo Ciro

    2007-01-01

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

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

    OpenAIRE

    Heng, S.H.; Wibbelink, R.

    2000-01-01

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

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

    OpenAIRE

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

    2015-01-01

    Introduction: traffic accidents are one of the main causes of death and disability, with motorcyclists representing the great majority of both the victims and the perpetrators. Objective: this work studied the characteristics of motorcyclists injured in accidents involving motorcycles and automobiles. Method: this study sought to interview 100 motorcyclists who had been injured in collisions between motorcycles and automobiles, and who were undergoing emergency hospital treatment in the regio...

  10. 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.

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

    Directory of Open Access Journals (Sweden)

    Emin Oker

    1999-06-01

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

  12. 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...

  13. Life Insurance. Variable Universal-Life Insurance

    OpenAIRE

    Smith, Mike; Hayhoe, Celia Ray

    2009-01-01

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

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

    OpenAIRE

    Joseph C. Bonnice

    1985-01-01

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

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

    Science.gov (United States)

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

    2009-11-01

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

  16. 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.

  17. Insuring against health shocks: Health insurance and household choices.

    Science.gov (United States)

    Liu, Kai

    2016-03-01

    This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. PMID:26836108

  18. 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.

  19. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    ), 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...

  20. Particularity of Selling Insurance for Romanian Insurance Companies

    OpenAIRE

    Gavriletea Marius

    2008-01-01

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

  1. 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...

  2. HUD Insured Multifamily Properties

    Data.gov (United States)

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

  3. 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.

  4. Group life insurance

    CERN Document Server

    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)

  5. 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...

  6. Computer Crime and Insurance.

    Science.gov (United States)

    Beaudoin, Ralph H.

    1985-01-01

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

  7. 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...

  8. 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.

  9. 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.

  10. 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.

  11. Metalworking Lasers In Automobile Fabrication - A View From The UK

    Science.gov (United States)

    Dawes, C. J.

    1986-11-01

    The development of the CO2 gas laser in the mid-sixties, has paved the way for the potential use of lasers in the fabrication of various driveline and body parts for automobiles. Much laser and laser metalworking research has been conducted in the United Kingdom and Europe (early research on cutting dates back to 1967). However, the automobile industries in both communities have been cautious in using lasers in production for heat treatment and welding. This paper outlines, in respect to the automobile industry, developments in laser equipments, current production applications, potential application studies and particular problem areas which are being researched. The application areas discussed cover: laser cutting, heat treatment and welding.

  12. Group Life Insurance

    CERN Document Server

    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 &...

  13. 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.

  14. 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.

  15. Atmospheric pollution coming from automobiles and public health

    International Nuclear Information System (INIS)

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

  16. 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.

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

    OpenAIRE

    Shibusawa, Hiroyuki; Sugawara, Takafumi

    2011-01-01

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

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

    OpenAIRE

    Joshua S. Gans; Stephen P. King

    2003-01-01

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

  19. 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...

  20. 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 §...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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.

  6. Insurance, risk, and magical thinking.

    Science.gov (United States)

    Tykocinski, Orit E

    2008-10-01

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

  7. Why Firms Purchase Property Insurance?

    OpenAIRE

    Daniel Aunon-Nerin; Paul Ehling

    2007-01-01

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

  8. Managing Risk With Revenue Insurance

    OpenAIRE

    Dismukes, Robert; Coble, Keith H.

    2006-01-01

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

  9. 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.

  10. Insurance search and switching behavior

    OpenAIRE

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

    2010-01-01

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

  11. Employment Turnover and Unemployment Insurance

    OpenAIRE

    Hassler, John; Vicente Rodríguez Mora, José

    1997-01-01

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

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

    Directory of Open Access Journals (Sweden)

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

    2012-12-01

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

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

    Science.gov (United States)

    National Automotive Technicians Education Foundation, Herndon, VA.

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

  14. 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.

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

    International Nuclear Information System (INIS)

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

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

    OpenAIRE

    Thomas H. Klier; James M. Rubenstein

    2011-01-01

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

  17. BEGA-a biaxial excitation Generator for automobiles

    DEFF Research Database (Denmark)

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

    2005-01-01

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

  18. 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.

  19. 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.

  20. 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.

  1. Portfolio Selection and Insurance Period

    OpenAIRE

    Aoba, Nobuko

    2001-01-01

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

  2. 46 CFR Sec. 13 - Insurance.

    Science.gov (United States)

    2010-10-01

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

  3. 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.…

  4. 46 CFR 308.403 - Insured amounts.

    Science.gov (United States)

    2010-10-01

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

  5. 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.

  6. 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.

  7. 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'.

  8. 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.

  9. 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)

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

    Institute of Scientific and Technical Information of China (English)

    Gao Shurong

    2009-01-01

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

  11. 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

  12. 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.

  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. 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.

  15. Insurance in Tourism Industry

    OpenAIRE

    Taleski, Petar; Taskov, Nako

    2011-01-01

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

  16. 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.

  17. Insurance contracts on tourism

    OpenAIRE

    Krasniqi, Armand

    2010-01-01

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

  18. Risk management and insurance

    OpenAIRE

    Kenneth A. Froot

    2012-01-01

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

  19. Unions and Wage Insurance

    OpenAIRE

    Burda, Michael C

    1995-01-01

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

  20. Limited Deposit Insurance Coverage and Bank Competition

    OpenAIRE

    Shy, Oz; Stenbacka, Rune; Yankov, Vladimir

    2014-01-01

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

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

    International Nuclear Information System (INIS)

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

  2. Insurance of nuclear power stations

    International Nuclear Information System (INIS)

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

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

    OpenAIRE

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

    2011-01-01

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

  4. Optimal Taxation and Social Insurance with Endogenous Private Insurance

    OpenAIRE

    Chetty, Nadarajan; Saez, Emmanuel

    2008-01-01

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

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

    Science.gov (United States)

    Venkatesh, K. Arun; Mathivanan, N.

    2012-10-01

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

  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. 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.

  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. 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.

  10. 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.

  11. 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.

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

    OpenAIRE

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

    2014-01-01

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

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

    OpenAIRE

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

    2010-01-01

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

  14. Comparative Frictional Analysis of Automobile Drum and Disc Brakes

    OpenAIRE

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

    2016-01-01

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

  15. 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!

  16. 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.

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

    OpenAIRE

    Niels-Erik Wergin

    2004-01-01

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

  18. Promoting automobile safety belt use by young children.

    OpenAIRE

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

    1987-01-01

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

  19. Loyalty marketing in automobile dealerships : case: car dealer X

    OpenAIRE

    Hyyryläinen, Heidi

    2012-01-01

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

  20. Digital Laser Welding System for Automobile Side Panel

    OpenAIRE

    Park, Hong-Seok; Choi, Hung-Won

    2010-01-01

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

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

    OpenAIRE

    Kuchiki, Akifumi

    2007-01-01

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

  2. KEY FACTORS INFLUENCING PURCHASE INTENTIONS TOWARDS AUTOMOBILES IN PAKISTAN

    OpenAIRE

    SYED NAVEED ALTAF; NOOR AZMI HASHIM

    2016-01-01

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

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

    OpenAIRE

    Bitros, George C.

    2004-01-01

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

  4. Market Analysis of RFID Systems in Indian Automobile Industry

    OpenAIRE

    Mariappan, Ramachandran

    2010-01-01

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

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

    OpenAIRE

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

    2010-01-01

    This work addresses an entrepreneurial phenomenon of strategic administration within the automobile industry: the creation of the automaker Troller Veículos Especiais (TVE). The case study at hand is justified by the positioning of this company around two market niches and its relative success in an industry characterized by few and powerful players. Our aim was to analyze the entrepreneurial and strategic process of discovering opportunity, the analysis used for internal and external factors...

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

    OpenAIRE

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

    2012-01-01

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

  7. A New Method for Estimation of Automobile Fuel Adulteration

    OpenAIRE

    Gupta, Anil; Sharma, R. K.

    2010-01-01

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

  8. 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.

  9. 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.

  10. LONGEVITY INSURANCE: A MISSING MARKET

    OpenAIRE

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

    2005-01-01

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

  11. Insurance for autonomous underwater vehicles

    OpenAIRE

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

    2007-01-01

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

  12. Managing Risk with Crop Insurance

    OpenAIRE

    Edwards, William M.

    2003-01-01

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

  13. 77 FR 12517 - VA Dental Insurance Program

    Science.gov (United States)

    2012-03-01

    ... AFFAIRS 38 CFR Part 17 RIN 2900-AN99 VA Dental Insurance Program AGENCY: Department of Veterans Affairs...) proposes to amend its regulations to establish a pilot program to offer premium-based dental insurance to... insurer through the Federal contracting process to offer dental insurance, and the private insurer...

  14. 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,...

  15. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

    Insurance plays an important role in the United States, most importantly in but not limited to medical care. The authors introduce basic economic concepts that make medical care and health insurance different from other goods and services traded in the market. They emphasize that competitive pricing in the marketplace for insurance leads, quite rationally, to risk classification, market segmentation, and market failure. The article serves as a springboard for understanding the basis of the reforms that regulate the health insurance market in the Patient Protection and Affordable Care Act. PMID:23206642

  16. 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.

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

    International Nuclear Information System (INIS)

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

  18. 26 CFR 1.7702-2 - Attained age of the insured under a life insurance contract.

    Science.gov (United States)

    2010-04-01

    ... age of the insured under a life insurance contract. (a) In general. This section provides guidance on determining the attained age of an insured under a contract that is a life insurance contract under the... second of the two insureds dies. (ii) Section 1.7702-2(c)(1) provides that if a life insurance...

  19. 76 FR 71624 - Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance...

    Science.gov (United States)

    2011-11-18

    ... AFFAIRS Agency Information Collection (Claim for Disability Insurance Benefits, Government Life Insurance..., Government Life Insurance, VA Form 29-357. OMB Control Number: 2900-0016. Type of Review: Extension of a... disability insurance on National Service Life Insurance and United States Government Life Insurance......

  20. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

    on the theme, originally proposed by Fischer Black. In CPPI, a financial institution guarantees a floor value for the “insured” portfolio and adjusts the stock/bond mix to produce a leveraged exposure to the risky assets, which depends on how far the portfolio value is above the floor. Plain-vanilla portfolio...... insurance largely died with the crash of 1987, but CPPI is still going strong. In the frictionless markets of finance theory, the issuer’s strategy to hedge its liability under the contract is clear, but in the real world with transactions costs and stochastic jump risk, the optimal strategy is less obvious...

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

    OpenAIRE

    Je-Wheon Oh; Takahiro Fujimoto

    2001-01-01

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

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

    OpenAIRE

    Ishaq, Kanther

    2003-01-01

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

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

    OpenAIRE

    Ekta Chakravarty

    2013-01-01

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

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

    OpenAIRE

    Sooriyakumar Krishnapillai; Henry Kinnucan

    2012-01-01

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

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

    OpenAIRE

    Silvis, Julia; Leighty, Wayne; Karner, Alex

    2007-01-01

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

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

    OpenAIRE

    2001-01-01

    This article describes the state of the automobile industry and urban road transportation management in China. It reviews how the automobile industry is evolving to respond to challenges in economic development, environmental regulations, and technological change. The dynamics and barriers resulting from technological change of the automobile in response to reduction of exhaust emissions and energy-efficiency improvement are analyzed. It is argued that consideration of externality costs shoul...

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

    Science.gov (United States)

    Sane, Bhagyashree

    2011-01-01

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

  8. 78 FR 56583 - Deposit Insurance Regulations; Definition of Insured Deposit

    Science.gov (United States)

    2013-09-13

    ... U.S. bank under deposit agreements governed by non-U.S. law to take advantage of a large bank's... 330 Bank deposit insurance, Banks, Banking, Reporting and recordkeeping requirements, Savings and Loan... of U.S. insured depository institutions (``IDI'' or ``U.S. bank''). The Final Rule clarifies...

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

    International Nuclear Information System (INIS)

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

  10. 78 FR 71726 - Comment Request; Insurance Survey

    Science.gov (United States)

    2013-11-29

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

  11. 77 FR 11191 - Insurance Cost Information Regulation

    Science.gov (United States)

    2012-02-24

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

  12. ROLE OF INTERNET IN INSURANCE SERVICES REALIZATION

    OpenAIRE

    N. Prikazyuk; Motashko, T.

    2014-01-01

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

  13. CONSIDERATIONS REGARDING EU LIFE INSURANCE MARKET

    OpenAIRE

    Ana Preda

    2012-01-01

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

  14. 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...

  15. 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

  16. The Dutch health insurance reform.

    NARCIS (Netherlands)

    Groenewegen, P.; Zee, J. van der

    2006-01-01

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

  17. 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.

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

    Science.gov (United States)

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

    2016-04-01

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

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

    Directory of Open Access Journals (Sweden)

    Amanda Lima de Oliveira

    2015-02-01

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

  20. 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

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

    Science.gov (United States)

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

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

  2. SCHEDULING OF MECHANICS IN AUTOMOBILE REPAIR SHOPS USING ANN

    Directory of Open Access Journals (Sweden)

    N. SHIVASANKARAN

    2014-05-01

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

  3. 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.

  4. 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.

  5. 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”.

  6. Preparation of composite aluminum automobile radiator by inversion casting

    Institute of Scientific and Technical Information of China (English)

    2001-01-01

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

  7. 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.

  8. 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...

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

    OpenAIRE

    Oliver, Nick; Holweg, Matthias

    2011-01-01

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

  10. 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.

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

    Science.gov (United States)

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

    1999-01-01

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

  12. 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...... current needed for ZVS operation is kept constant and no in excess circulating current losses at light load conditions are encountered. Inductor current ripple decreases with load reduction. Automatic changes in operation between buck and boost modes are accomplished without transient currents. Power...

  13. 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,...

  14. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

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

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

    OpenAIRE

    Seimlová, Nikola

    2013-01-01

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

  16. 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.

  17. 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

  18. 76 FR 31467 - Guide Concerning Fuel Economy Advertising for New Automobiles

    Science.gov (United States)

    2011-06-01

    ... prevent deceptive fuel economy advertising for new automobiles and to facilitate the use of fuel economy... the Fuel Economy Guide, to help marketers avoid making advertising claims that are unfair or deceptive... CFR Part 259 Guide Concerning Fuel Economy Advertising for New Automobiles AGENCY: Federal...

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

    Science.gov (United States)

    Kunze, Joel P.

    1991-01-01

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

  20. 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...

  1. 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.

  2. 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...

  3. 75 FR 72965 - Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile...

    Science.gov (United States)

    2010-11-29

    ....O 11609, 36 FR 13747, 3 CFR, 1971-1973 Comp. p. 586. Sec. 302-7.1 0 30. Amend Sec. 302-7.1-- 0 a. In...-AJ09 Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile Mileage Reimbursement When Government Owned Automobiles Are Authorized; Miscellaneous Amendments...

  4. 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...

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

    OpenAIRE

    Şerban Georgescu

    2007-01-01

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

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

    Science.gov (United States)

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

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

  7. 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...

  8. 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.

  9. Environmental pollution risk and insurance

    OpenAIRE

    Fragnelli, Vito; Marina, Maria Erminia

    2002-01-01

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

  10. 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.

  11. 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.

  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. PMID:22316929

  13. 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.

  14. SYNTHESIS OF AUTOMOBILE IGNITION SYSTEM USING OZONIZED FUEL

    Directory of Open Access Journals (Sweden)

    O. M. Pilipenko

    2015-01-01

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

  15. 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.

  16. 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.

  17. 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....

  18. 78 FR 14034 - Health Insurance Providers Fee

    Science.gov (United States)

    2013-03-04

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

  19. 38 CFR 36.4329 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

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

  20. 46 CFR 308.502 - Additional insurance.

    Science.gov (United States)

    2010-10-01

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

  1. 24 CFR 206.15 - Insurance.

    Science.gov (United States)

    2010-04-01

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

  2. 12 CFR 741.212 - Share insurance.

    Science.gov (United States)

    2010-01-01

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

  3. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

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

  4. 24 CFR 201.31 - Insurance charge.

    Science.gov (United States)

    2010-04-01

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

  5. 7 CFR 1788.3 - Flood insurance.

    Science.gov (United States)

    2010-01-01

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

  6. 7 CFR 4279.143 - Insurance.

    Science.gov (United States)

    2010-01-01

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

  7. 46 CFR 326.3 - Insured.

    Science.gov (United States)

    2010-10-01

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

  8. 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.

  9. INSURANCE PROTECTION AS A QUASISOCIETY GOOD

    OpenAIRE

    Bazilevich, K.

    2008-01-01

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

  10. Insurance and Prevention: Why and How?

    Science.gov (United States)

    Ungarelli, Donald L.

    1984-01-01

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

  11. 24 CFR 241.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

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

  12. 24 CFR 220.804 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

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

  13. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

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

  14. 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.

  15. 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...

  16. 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...

  17. 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...

  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. 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 §...

  1. 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...

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

    Science.gov (United States)

    2011-12-13

    ... AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life...' Group Life Insurance (``SGLI'') and Veterans' Group Life Insurance (``VGLI'') to prohibit payment of insurance proceeds payable because of the death of a person whose life was insured under SGLI or...

  5. 76 FR 77442 - Mutual Insurance Holding Company Treated as Insurance Company

    Science.gov (United States)

    2011-12-13

    ... premiums. The mutual insurance holding company structure was first created in Iowa in 1995.\\7\\ A mutual...-entity structure, initially the mutual insurance holding company owns 100% of the intermediate insurance... CORPORATION 12 CFR Part 380 RIN 3064-AD89 Mutual Insurance Holding Company Treated as Insurance Company...

  6. 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...

  7. Personal Values of Insurance Executives

    OpenAIRE

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

    1986-01-01

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

  8. Wealth Effects on Demand for Insurance

    OpenAIRE

    Aase, Knut K.

    2007-01-01

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

  9. SERBIAN INSURANCE MARKET – SELECT ISSUES

    OpenAIRE

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

    2010-01-01

    Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insur...

  10. Business Ethics in Insurance Industry in Nigeria

    OpenAIRE

    Isimoya O.

    2014-01-01

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

  11. 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.

  12. Environmental pollution and liability insurance

    International Nuclear Information System (INIS)

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

  13. Developing more ecological automobile technology; Kohti ekologisempaa autotekniikkaa

    Energy Technology Data Exchange (ETDEWEB)

    Laurikko, J. [VTT Energy, Espoo (Finland)

    2001-07-01

    Production of driving force is the main factor effecting the energy consumption of an automobile and often also of the entire transportation, as well as the main cause of environmental impacts of transportation. The most significant environmental hazard of the transportation is the formation of emissions polluting the air. Recent development of catalysts and other flue gas purification technology has eased significantly the control of flue gas emissions. New solutions have been developed for NO{sub x} emissions of diesel engines, e.g. the zeolite catalysts, which reduce them also in oxygen-rich flue gases. Particulates form still a significant problem. Continuous tightening of emission restrictions has made the flue gas purification systems more complex and expensive than before. Reduction of energy consumption by developing the engine technology is difficult when the flue gas purity requirements are continuously tightened. More interest is paid to new alternatives, the energy balance of that is better, because the main concern in emission reduction is in control of CO{sub 2}, not in reduction of poisonous emissions. This leads to a reduction of the greenhouse effects of transportation. There are no practical chemical or physical recovery or purification methods for reduction of CO{sub 2} emissions. It is essential to study the means, by which the fuel consumption and the efficiency of engines could be improved. It is possible to reduce the greenhouse gas emissions by using alternative fuels, totally new power sources and more effective energy chains. Rolling and air resistances are the main factors consuming energy. When the driving speed doubles the air resistance quadruples, so the driving speed of road traffic effects strongly on the energy consumption of an automobile. The weight of a vehicle effects on fuel consumption especially in urban transport because of the repeated accelerations and decelerations. The efficiency of a Diesel engine is about 20% higher

  14. 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

  15. 12 CFR 362.3 - Activities of insured State banks.

    Science.gov (United States)

    2010-01-01

    ... insurance company, provided that the savings bank life insurance company provides written disclosures to purchasers or potential purchasers of life insurance policies, other insurance products, and annuities that... insurance coverage for insured depository institutions. (B) Stock of savings bank life insurance company.......

  16. 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.

  17. Efficient controller area network data compression for automobile applications

    Institute of Scientific and Technical Information of China (English)

    Yu-jing WU; Jin-Gyun CHUNG

    2015-01-01

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

  18. 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.

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

    OpenAIRE

    Garçon, Anne-Françoise

    2015-01-01

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

  20. 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.

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

  8. 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.

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

    International Nuclear Information System (INIS)

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

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

    Directory of Open Access Journals (Sweden)

    Mehmet Özgün Korukçu

    2011-06-01

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

  11. 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.

  12. 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....

  13. 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.

  14. Retroactive insurance may fund TMI-2 cleanup

    International Nuclear Information System (INIS)

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

  15. Pet insurance--essential option?

    Science.gov (United States)

    Stowe, J D

    2000-08-01

    As Hawn (2) says, "insurance is about risk and peace of mind." She reports that the American Humane Society supports pet insurance because companion animals are able to be treated for disease or accidents that are life-threatening where, otherwise, they would have been euthanized. For veterinarians, she suggests that pet insurance allows them to practice veterinary medicine "as if it were free." It is inevitable that pet insurance will grow as a recourse for veterinary fees. This may be a savior to some families whose budget is stretched to the limit at a critical moment in the health care of their cherished pet. We in the veterinary profession have an advantage over other professions. We have seen the good, the bad, and the ugly of insurance, as it applies to human health and dental care. If we work hand-in-hand with our own industries, collectively we may be able to develop a system that wins for everyone, with fees that allow practice to thrive and growth strategies that accommodate new treatment and diagnostic modalities, as well as consistent and exemplary customer service. The path ahead is always fraught with bumps and potholes. We can be a passive passenger and become a victim of the times or an active driver to steer the profession to a clearer route. Pet insurance is but one of the solutions for the profession; the others are a careful assessment of our fees--charging what we are worth, not what we think the client will pay; business management; customer service; leadership of our health care team; lifelong learning; and more efficient delivery systems. Let us stop being a victim, stop shooting ourselves in the professional foot, and seize the day! PMID:10945132

  16. 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.

  17. 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...

  18. 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)

  19. 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...

  20. [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.

  1. 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.

  2. 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...

  3. 78 FR 59985 - Variable Insurance Trust, et al.;

    Science.gov (United States)

    2013-09-30

    ... National Association of Insurance Commissioners Variable Life Insurance Model Regulation (the ``NAIC Model... COMMISSION Variable Insurance Trust, et al.; Notice of Application September 24, 2013. AGENCY: Securities and.... Applicants: Variable Insurance Trust (the ``Fund'') and MFund Services LLC (``MFund'')...

  4. Financial risks insurance in Russian travel industry

    Directory of Open Access Journals (Sweden)

    Elena A. Ivanova

    2011-03-01

    Full Text Available The article provides general characteristics of financial risks insurance in travel organizations activities, defines problem issues of legislation implementation, concerning tourist activities within travel cancellation insurance.

  5. 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.

  6. 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...

  7. 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.

  8. How to Shop for Health Insurance

    Science.gov (United States)

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

  9. 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...

  10. 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.

  11. 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...

  12. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

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

  13. ESSENCE AND ROLE OF INSURANCE SALES MANAGEMENT

    OpenAIRE

    N. Karlova

    2008-01-01

    Planning, organization, motivation and control as constituents of insurance products sales management process were considered in the article. Its important role in provision of financial reliability and paying capacity of insurance companies was demonstrated.

  14. THE INSURANCE OF ECOLOGICAL RISKS IN UKRAINE

    OpenAIRE

    Pikus, R.; Lobova, O.

    2009-01-01

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

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

    Data.gov (United States)

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

  16. 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...

  17. Non-Convex Costs and Capital Utilization: A Study of Production Scheduling at Automobile Assembly Plants

    OpenAIRE

    Hall, George J.

    1997-01-01

    This paper studies how managers at automobile assembly plants organize production across time. Detailed data from eleven single-source automobile assembly plants display considerable cross-plant heterogeneity. At plants which make low- and medium-selling vehicles the capital stock often sits idle, production is more variable than sales, and week-long shutdowns are often used to vary output. In contrast, at plants which make high-selling vehicles, the capital stock rarely sits idle, production...

  18. 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.

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

    OpenAIRE

    Sam Kurokawa; Seiji Manabe

    2002-01-01

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

  20. Automobile air pollution: public health (citations from the NTIS data base). Report for 1964-Mar 80

    Energy Technology Data Exchange (ETDEWEB)

    Cavagnaro, D.M.

    1980-03-01

    The annotated bibliography deals with information on the human effects of the major components of automobile exhaust gases. These include carbon monoxide, nitrogen oxides, aldehydes, hydrocarbons, and lead. Also included are data on platinum, palladium, and manganese salts, which are exhausts from air pollution control devices, specifically catalytic converters. Studies which do not identify the automobile as the source of these gases have been excluded. (This updated bibliography contains 75 abstracts, 5 of which are new entries to the previous edition.)

  1. Value Creation in Collaborative Supply Chain Network in Automobile Industry in Karnataka

    OpenAIRE

    Nataraj S; Dr. N.Nagaraja

    2012-01-01

    ABSTRACT Abstract Purpose : This paper aims to determine the key factors that influence the value based supply chain in the collaborative network of Automotive sector in India and the extent of information sharing in a B2B set up and its implication on business decisions in the Automobile sector. The paper makes an attempt to examine the value creation in the supply chain network of e-commerce based automobile companies. The predominant factors that influence the Collaborative practices of Au...

  2. Evaluation of failures in mechanical crankshafts of automobile based on expert opinion

    OpenAIRE

    B. Kareem

    2015-01-01

    In this study, mechanical crankshaft failures for automobiles are evaluated based on experts’ opinion. This was done using data obtained using techniques based on oral interviews and questionnaire administration on mechanical failure of crankshafts from the experts working in the areas of automobile maintenance and crankshafts reconditioning. The data collected were analyzed using statistical methods based on probability. With this technique, probability of failure for each category of automo...

  3. 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.

  4. Effectiveness of insurance risk management under crisis conditions

    OpenAIRE

    Goncharenko, I.G.

    2015-01-01

    In the article some historical aspects of insurance, domestic trends in insurance risk management with aspects of international experience, the modern role of insurance and insurance companies in a market economy, factors of risk management system and the nature of the insurance portfolio are analyzed. Factors of risk events in insurance, the spectrum of risks, imbalance of the insurance market in crisis conditions are outlined; expert’s estimations of the insurance market in recent years are...

  5. 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,...

  6. 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,...

  7. 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...

  8. 77 FR 41709 - Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions

    Science.gov (United States)

    2012-07-16

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

  9. 76 FR 43606 - Common Crop Insurance Regulations; Onion Crop Insurance Provisions

    Science.gov (United States)

    2011-07-21

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

  10. 76 FR 71276 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2011-11-17

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

  11. 76 FR 75805 - Common Crop Insurance Regulations; Prune Crop Insurance Provisions

    Science.gov (United States)

    2011-12-05

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

  12. Consumer price sensitivity in Dutch health insurance

    OpenAIRE

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

    2008-01-01

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

  13. THE ESSENTIALS OF RAINFALL DERIVATIVES AND INSURANCE

    OpenAIRE

    Turvey, Calum G.

    1999-01-01

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

  14. 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.

  15. 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....

  16. IFRS for Insurance: CFO Forum Proposals

    OpenAIRE

    Denis Duverne; Jacques Le Douit

    2007-01-01

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

  17. 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.

  18. Insurance Law and Economics: an empirical perspective

    OpenAIRE

    Boom, Willem

    2008-01-01

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

  19. Social insurance and the marriage market

    OpenAIRE

    Persson, Petra

    2015-01-01

    Social insurance is often linked to marriage. I model how such linkage affects the marriage market, and exploit Sweden’s elimination of survivors insurance to demonstrate economically important responses along several behavioral margins in this market. Entry into marriage reflects a demand for survivors insurance up to 50 years before expected payout, especially among couples with high husband mortality risks. Further, elimination of survivors insurance induces divorces and intra-household re...

  20. 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.

  1. Insurance Law and Economics: an empirical perspective

    NARCIS (Netherlands)

    W.H. van Boom (Willem)

    2008-01-01

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

  2. 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

  3. 29 CFR 18.411 - Liability insurance.

    Science.gov (United States)

    2010-07-01

    ... OF ADMINISTRATIVE LAW JUDGES Rules of Evidence Relevancy and Its Limits § 18.411 Liability insurance. Evidence that a person was or was not insured against liability is not admissible upon the issue whether... evidence of insurance against liability when offered for another purpose, such as proof of...

  4. 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.

  5. 14 CFR 1260.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Insurance coverage. 1260.131 Section 1260... Higher Education, Hospitals, and Other Non-Profit Organizations Property Standards § 1260.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property...

  6. 24 CFR 241.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance benefits. 241.885 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES... Without a HUD-Insured or HUD-Held Mortgage Rights and Duties of Lender Under the Contract of...

  7. 33 CFR 401.23 - Liability insurance.

    Science.gov (United States)

    2010-07-01

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

  8. 24 CFR 232.885 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

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

  9. Health Insurance and Children with Disabilities

    Science.gov (United States)

    Szilagyi, Peter G.

    2012-01-01

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

  10. 24 CFR 207.259 - Insurance benefits.

    Science.gov (United States)

    2010-04-01

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

  11. 24 CFR 320.11 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

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

  12. 22 CFR 226.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

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

  13. 7 CFR 2201.24 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 2201.24 Section 2201.24 Agriculture... TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.24 Insurance. The Borrower of a Loan guaranteed under the Program shall obtain, at its expense, insurance sufficient to protect...

  14. 20 CFR 627.415 - Insurance.

    Science.gov (United States)

    2010-04-01

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

  15. 13 CFR 120.170 - Flood insurance.

    Science.gov (United States)

    2010-01-01

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

  16. 32 CFR 32.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

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

  17. 48 CFR 970.2803 - Insurance.

    Science.gov (United States)

    2010-10-01

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

  18. 45 CFR 2543.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

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

  19. 15 CFR 14.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

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

  20. 45 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

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

  1. 34 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 34 Education 1 2010-07-01 2010-07-01 false Insurance coverage. 74.31 Section 74.31 Education... Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided to property...

  2. 22 CFR 518.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 2 2010-04-01 2010-04-01 true Insurance coverage. 518.31 Section 518.31... Requirements Property Standards § 518.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with Federal funds as provided...

  3. 20 CFR 435.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Insurance coverage. 435.31 Section 435.31... ORGANIZATIONS Post-Award Requirements Property Standards § 435.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with...

  4. 28 CFR 70.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Insurance coverage. 70.31 Section 70.31...-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 70.31 Insurance coverage. Recipients must, at a minimum, provide the equivalent insurance coverage for real property and equipment...

  5. 28 CFR 36.212 - Insurance.

    Science.gov (United States)

    2010-07-01

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

  6. 25 CFR 117.11 - Insurance.

    Science.gov (United States)

    2010-04-01

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

  7. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

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

  8. 10 CFR 600.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Insurance coverage. 600.131 Section 600.131 Energy... Nonprofit Organizations Post-Award Requirements § 600.131 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and equipment acquired with DOE funds...

  9. 22 CFR 145.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

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

  10. 19 CFR 351.520 - Export insurance.

    Science.gov (United States)

    2010-04-01

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

  11. 22 CFR 62.14 - Insurance.

    Science.gov (United States)

    2010-04-01

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

  12. 38 CFR 49.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Insurance coverage. 49.31... NON-PROFIT ORGANIZATIONS Post-Award Requirements Property Standards § 49.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for real property and...

  13. 30 CFR 778.18 - Insurance.

    Science.gov (United States)

    2010-07-01

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

  14. 75 FR 9246 - Cooperative Share Loan Insurance

    Science.gov (United States)

    2010-03-01

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

  15. 48 CFR 35.013 - Insurance.

    Science.gov (United States)

    2010-10-01

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

  16. 17 CFR 256.924 - Property insurance.

    Science.gov (United States)

    2010-04-01

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

  17. 49 CFR 19.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

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

  18. 40 CFR 30.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

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

  19. 2 CFR 215.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

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

  20. 24 CFR 84.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 84.31 Section 84.31 Housing and Urban Development Office of the Secretary, Department of Housing and Urban... Insurance coverage. Recipients shall, at a minimum, provide the equivalent insurance coverage for...

  1. 27 CFR 24.68 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

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

  2. 33 CFR 136.111 - Insurance.

    Science.gov (United States)

    2010-07-01

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

  3. 38 CFR 36.4222 - Hazard insurance.

    Science.gov (United States)

    2010-07-01

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

  4. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

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

  5. 24 CFR 35.1140 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Insurance coverage. 35.1140 Section... § 35.1140 Insurance coverage. For the requirements concerning the obligation of a PHA to obtain reasonable insurance coverage with respect to the hazards associated with evaluation and hazard...

  6. 46 CFR 326.2 - Insurer.

    Science.gov (United States)

    2010-10-01

    ... coverage under one or more policies written by underwriters of marine insurance. MARAD shall determine the... ADMINISTRATION, DEPARTMENT OF TRANSPORTATION A-NATIONAL SHIPPING AUTHORITY MARINE PROTECTION AND INDEMNITY INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.2 Insurer. MARAD shall be responsible for providing...

  7. 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.

  8. 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.

  9. 7 CFR 1724.6 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

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

  10. 32 CFR 766.9 - Insurance requirements.

    Science.gov (United States)

    2010-07-01

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

  11. 7 CFR 1416.7 - Insurance requirements.

    Science.gov (United States)

    2010-01-01

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

  12. Specific aspects of insurance of nuclear risks

    International Nuclear Information System (INIS)

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

  13. Evolutionary dynamics of collective index insurance.

    Science.gov (United States)

    Pacheco, Jorge M; Santos, Francisco C; Levin, Simon A

    2016-03-01

    Index-based insurances offer promising opportunities for climate-risk investments in developing countries. Indeed, contracts conditional on, e.g., weather or livestock indexes can be cheaper to set up than conventional indemnity-based insurances, while offering a safety net to vulnerable households, allowing them to eventually escape poverty traps. Moreover, transaction costs by insurance companies may be additionally reduced if contracts, instead of arranged with single households, are endorsed by collectives of households that bear the responsibility of managing the division of the insurance coverage by its members whenever the index is surpassed, allowing for additional flexibility in what concerns risk-sharing and also allowing insurance companies to avoid the costs associated with moral hazard. Here we resort to a population dynamics framework to investigate under which conditions household collectives may find collective index insurances attractive, when compared with individual index insurances. We assume risk sharing among the participants of each collective, and model collective action in terms of an N-person threshold game. Compared to less affordable individual index insurances, we show how collective index insurances lead to a coordination problem in which the adoption of index insurances may become the optimal decision, spreading index insurance coverage to the entire population. We further investigate the role of risk-averse and risk-prone behaviors, as well as the role of partial correlation between insurance coverage and actual loss of crops, and in which way these affect the original coordination thresholds. PMID:26486802

  14. 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

  15. 20 CFR 617.58 - Unemployment insurance.

    Science.gov (United States)

    2010-04-01

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

  16. Consumer price sensitivity in Dutch health insurance

    NARCIS (Netherlands)

    M. van Dijk (Machiel); M. Pomp (Marc); R.C.H.M. Douven (Rudy C.H.M.); T. Laske-Aldershof (Trea); F.T. Schut (Erik); W. de Boer (Willem); A. Boo (Anne)

    2008-01-01

    textabstractAim: To estimate the price sensitivity of consumer choice of health insurance firm. Method: Using paneldata of the flows of insured betweenpairs of Dutch sickness funds during the period 1993-2002, we estimate the sensitivity of these flows to differences in insurance premium. Results: T

  17. 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)....

  18. Statistical tools for non-life insurance

    NARCIS (Netherlands)

    K. Antonio

    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

  19. 24 CFR 232.805 - Insurance premiums.

    Science.gov (United States)

    2010-04-01

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

  20. 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.