WorldWideScience

Sample records for automobile insurance

  1. United Kingdom Automobile Insurance Market

    Science.gov (United States)

    1979-05-01

    The report represents a limited study of the United Kingdom Automobile Insurance Industry: (1) the structure, size, and relationships within the industry; (2) the basis of premium calculation, rate structure, types of policies, and payment of compens...

  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. Copyright © 2012 Elsevier Ltd. All rights reserved.

  3. 32 CFR 220.11 - Special rules for automobile liability insurance and no-fault automobile insurance.

    Science.gov (United States)

    2010-07-01

    ... and no-fault automobile insurance. 220.11 Section 220.11 National Defense Department of Defense... insurance and no-fault automobile insurance. (a) Active duty members covered. In addition to Uniformed.... 1095 and this part. (c) Exclusion of automobile liability insurance and no-fault automobile insurance...

  4. Premium Forecasting of an Insurance Company: Automobile Insurance

    OpenAIRE

    Fouladvand, M. Ebrahim; Darooneh, Amir H.

    2002-01-01

    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, total number of the insured, average loss claims etc. We restrict ourselves to a single insurance class the so-called automobile insurance. We show the existence a crossover premium p_c below which the company is loss-making. Above p_c, we also give detailed statistical ana...

  5. 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 on...

  6. 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…

  7. Automobile age and risk : summary

    Science.gov (United States)

    1998-03-01

    The partial relationship between automobile age and risk is studied by means of logistic regression as applied to a large insurance policy data set. Annual mileage and car owner's gender, age and county of residence are controlled for.

  8. Insurance Discounts: Traffic Safety Tips

    Science.gov (United States)

    1996-01-01

    This fact sheet, NHTSA Facts: Summer 1996, discusses automobile insurance discounts. It relates how to obtain a discount, and details what factors can influence insurance premiums. It notes that discounts for safety features vary from insurance compa...

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2012-07-01

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

  10. Voice control in automobiles; Sprachbedienung im Automobil

    Energy Technology Data Exchange (ETDEWEB)

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

    2006-06-15

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

  11. Automobile Driver Fingerprinting

    Directory of Open Access Journals (Sweden)

    Enev Miro

    2016-01-01

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

  12. Simulation Of Premi Calculation Claims Insurance Base On Web; Case Study PT. Sinarmas Insurance Padang

    OpenAIRE

    Rohendi, Keukeu; Putra, Ilham Eka

    2016-01-01

    Sinarmas currently has several insurance services featured. To perform its function as a good insurance company is need for reform in terms of services in the process of calculating insurance premiums of insurance carried by marketing to use a calculator which interferes with the activities of marketing activities, slow printing insurance policies, automobile claims process that requires the customer to come to the office ASM, slow printing of Work Order (SPK) and the difficulty recap custome...

  13. Technological Change in the U.S. Automobile Industry : Assessing Past Federal Initiatives

    Science.gov (United States)

    1979-01-01

    In the future, further reduction in fatalities, fuel consumption and emissions dur to automobile use will be needed. To insure that these goals are achieved, it is necessary to understand more thoroughly the role of the federal initiatives and regula...

  14. 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) manufactured...

  15. Okoliš i automobil

    Directory of Open Access Journals (Sweden)

    Nada Štrumberger

    2012-10-01

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

  16. 28 CFR 25.55 - Responsibilities of insurance carriers.

    Science.gov (United States)

    2010-07-01

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

  17. 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.

  18. 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.

  19. 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...

  20. Alternative propulsion for automobiles

    CERN Document Server

    Stan, Cornel

    2017-01-01

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

  1. 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 of...

  2. 49 CFR 523.3 - Automobile.

    Science.gov (United States)

    2010-10-01

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

  3. Automobile Crash Sensor Signal Processor

    Science.gov (United States)

    1973-11-01

    The crash sensor signal processor described interfaces between an automobile-installed doppler radar and an air bag activating solenoid or equivalent electromechanical device. The processor utilizes both digital and analog techniques to produce an ou...

  4. Drowsy driving and automobile crashes

    Science.gov (United States)

    1998-04-01

    Drowsy driving is a serious problem that leads to : thousands of automobile crashes each year. This : report, sponsored by the National Center on : Sleep Disorders Research (NCSDR) of the National : Heart, Lung, and Blood Institute of the : National ...

  5. 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.

  6. Life insurance

    OpenAIRE

    ČERNÁ, Lenka

    2009-01-01

    Bachelor's thesis deals with the life insurance market in the Czech Republic. I compared the different insurance products life insurance among themselves. And these products is the formula published in the scientific literature.

  7. Noise exposure in convertible automobiles.

    Science.gov (United States)

    Mikulec, A A; Lukens, S B; Jackson, L E; Deyoung, M N

    2011-02-01

    To quantify the noise exposure received while driving a convertible automobile with the top open, compared with the top closed. Five different convertible automobiles were driven, with the top both closed and open, and noise levels measured. The cars were tested at speeds of 88.5, 104.6 and 120.7 km/h. When driving with the convertible top open, the mean noise exposure ranged from 85.3 dB at 88.5 km/h to 89.9 dB at 120.7 km/h. At the tested speeds, noise exposure increased by an average of 12.4-14.6 dB after opening the convertible top. Driving convertible automobiles at speeds exceeding 88.5 km/h, with the top open, may result in noise exposure levels exceeding recommended limits, especially when driving with the convertible top open for prolonged periods.

  8. Historical Financial Data - Domestic Automobile Manufacturers

    Science.gov (United States)

    1979-01-01

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

  9. Automobile Starting and Lighting System Maintenance Training ...

    African Journals Online (AJOL)

    The ATMQ, APT and ARS were subjected to face validation by five experts from the University, Technical Colleges and the Automobile Industry. The ATMQ was trial tested on students of Government Technical College Minna and Automobile Supervisors in automobile companies in Minna to establish its reliability. Cronbach ...

  10. 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…

  11. 49 CFR 176.90 - Private automobiles.

    Science.gov (United States)

    2010-10-01

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

  12. 40 CFR 600.315-82 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

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

  13. 40 CFR 600.315-08 - Classes of comparable automobiles.

    Science.gov (United States)

    2010-07-01

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

  14. Automobile characteristics historical data base

    Science.gov (United States)

    1977-08-01

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

  15. 48 CFR 828.306 - Insurance under fixed-price contracts.

    Science.gov (United States)

    2010-10-01

    ... contracts. (a) Term contracts, or contracts of a continuing nature, for ambulance, automobile and aircraft... continuing contract. (2) The services will be obtained from firms known to carry insurance coverage in...

  16. Health Insurance

    Science.gov (United States)

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

  17. Insurance crisis

    International Nuclear Information System (INIS)

    Williams, P.L.

    1996-01-01

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

  18. Probabilistic Insurance

    NARCIS (Netherlands)

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

    1997-01-01

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

  19. Probabilistic Insurance

    NARCIS (Netherlands)

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

    1997-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

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

    2013-04-01

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

  1. 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.

  2. CHINESE AUTOMOBILE ENTERPRISE STRATEGY ANALYSIS

    OpenAIRE

    Phd. Candidate Mrs. Chai Feng xia

    2015-01-01

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

  3. Automobile technology of the future

    International Nuclear Information System (INIS)

    Seiffert, U.; Walzer, P.

    1990-01-01

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

  4. Environmental implications of the automobile

    International Nuclear Information System (INIS)

    1993-01-01

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

  5. Prelaunch Forecasting of New Automobiles

    OpenAIRE

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

    1990-01-01

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

  6. Automobile dependence: The irresistible force

    Energy Technology Data Exchange (ETDEWEB)

    Kenworthy, J.; Newman, P. [Murdoch Univ., WA (Australia). Inst. for Science and Technology Policy

    1993-08-01

    The proposition by Charles Lave that the automobile is `unstoppable`, an irresistible force` and that transit has `lost the battle` in the US and is losing it in Europe, is examined in this paper. It also examines Lave`s proposition that, despite this power of the automobile, car use in the US will probably plateau because of saturation in car ownership, and therefore it may be possible to expand the US highway network without new roads immediately filling up, as they have done until now. The paper presents 1990/91 data on private and public transport for US, Australian, European and Asian cities and updates previously published data. The update to 1990 is attempting to see the extent to which these patterns are continuing or changing in different cities. Overall the paper finds that although automobile dependence is a powerful force, it is not `irresistible` or `unstoppable` and it is certainly not an inevitable outcome of growing wealth. (author). 7 tabs., 17 figs., refs.

  7. Social Insurance and Health

    OpenAIRE

    Ziebarth, Nicolas R.

    2017-01-01

    This chapter reviews the existing empirical evidence on how social insurance affects health. Social insurance encompasses programs primarily designed to insure against health risks, such as health insurance, sick leave insurance, accident insurance, long-term care insurance and disability insurance; and programs that insure against other risks, such as unemployment insurance, pension insurance and country-specific social insurance. These insurance systems exist in almost all developed countri...

  8. 49 CFR 523.5 - Non-passenger automobile.

    Science.gov (United States)

    2010-10-01

    ...-passenger automobile means an automobile that is not a passenger automobile or a work truck and includes... the automobile's manufacturer or with simple tools, such as screwdrivers and wrenches, so as to create... standard equipment, permit expanded use of the automobile for cargo-carrying purposes or other nonpassenger...

  9. Probabilistic insurance

    OpenAIRE

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

    1997-01-01

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

  10. Geotechnical Monitoring of the Automobile Road

    Science.gov (United States)

    Matsiy, Vladimir

    2017-12-01

    In the present article, the results of geotechnical monitoring of A-147 automobile road “Dzhubga-Sochi” are given. Some sections of the automobile road suffered from the landslide adjustment movements; it resulted in many deformations of the retaining structures, the damages of the roadbed and ground crawling over the retaining walls. The observation data made it possible to specify the borders of the active landslide and to form a forecast of the landslide activity in the sections of the automobile roads. Due to monitoring being carried out, there was substantiated the necessity to correct the service forms and records connected with the automobile road reconstruction.

  11. 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....

  12. Forest insurance

    Science.gov (United States)

    Ellis T. Williams

    1949-01-01

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

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

    DEFF Research Database (Denmark)

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

    2014-01-01

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

  14. INSURANCE INTERMEDIARIES

    Directory of Open Access Journals (Sweden)

    Andreea Stoican

    2013-11-01

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

  15. 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.

  16. Insurance dictionary

    International Nuclear Information System (INIS)

    Mueller-Lutz, H.L.

    1984-01-01

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

  17. Pension Insurance

    OpenAIRE

    Zvi Bodie

    2005-01-01

    Around the world today there are striking differences in pension systems. The roles played by families, employers, trade unions, financial intermediaries, community organizations, affiliation groups, and governmental agencies vary tremendously. Yet despite these differences, in almost every country the government is ultimately the pension insurer of last resort, either explicitly or implicitly. If designed well and managed well, a system of government pension insurance can enhance the wellbei...

  18. 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, other...

  19. 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 of...

  20. 49 CFR 529.4 - Requirements for incomplete automobile manufacturers.

    Science.gov (United States)

    2010-10-01

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

  1. A factual survey of automobile usage

    Science.gov (United States)

    1941-01-01

    In anticipation of the problems in civilian transportation that the : defense effort would bring to the motor vehicle user, to business and industry, and to Government, the Automobile Manufacturers Association in the fall of 1940 undertook a factual ...

  2. Locomotive to Automobile Baseline Crash Tests

    Science.gov (United States)

    1975-08-01

    Four Locomotive to Automobile Crash tests were performed by the Dynamic Science Division of Ultrasystems at DOT's High Speed Ground Test Center under contract to the Transportation Systems Center, which is conducting the work for the Federal Railroad...

  3. Development of Anticipatory Automobile Crash Sensors

    Science.gov (United States)

    1971-06-30

    A COMPREHENSIVE EXAMINATION IS CARRIED OUT TO DETERMINE THE BASIC SYSTEM CONSTRAINTS AND REQUIRED OPERATIONAL CHARACTERISTICS FOR ANTICIPATORY SENSING OF IMPENDING AUTOMOBILE CRASHES. THIS IS FOLLOWED BY CONSIDERATION OF A WIDE VARIETY OF POSSIBLE SE...

  4. 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.

  5. Contact Dermatitis In Automobile Repair workers

    Directory of Open Access Journals (Sweden)

    Joshi M P

    1997-01-01

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

  6. Nuclear insurance

    International Nuclear Information System (INIS)

    Anon.

    1993-01-01

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

  7. INSURANCE MILK

    OpenAIRE

    Alston, Julian M.; Quilkey, John J.

    1980-01-01

    Where the production of milk for sale on the fresh milk market at 'controlled' prices is subject to nontransferable quotas the holders of quota who wish to maximise profits have a motive to maintain production above the quota level to insure against variations in demand for over-quota sales and yield. The concept of 'production of milk as insurance' is used to clarify the way in which such behaviour gives rise to social costs which could be avoided in a competitive market, by a permissive att...

  8. Inflation Insurance

    OpenAIRE

    Zvi Bodie

    1989-01-01

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

  9. Health Insurance Basics

    Science.gov (United States)

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

  10. Crop-insurance

    NARCIS (Netherlands)

    Wijk, van der S.

    1945-01-01

    Crop insurance was fairly new in the Netherlands but there was no legal objection or limitation to particular crops. If a crop were insured, it was important that the whole area of the crop were insured. Speculative insurance seemed preferable to mutual insurance.

    Crop insurance covered all risks

  11. Asbestos-related diseases in automobile mechanics.

    Science.gov (United States)

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

    2012-01-01

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

  12. Asbestos-related diseases in automobile mechanics

    Science.gov (United States)

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

    2012-01-01

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

  13. 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

  14. Export insurance

    International Nuclear Information System (INIS)

    1981-01-01

    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

  15. 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...

  16. Automobile Collisions, Kinematics and Related Injury Patterns

    Science.gov (United States)

    Siegel, A. W.

    1972-01-01

    It has been determined clinically that fatalities and injury severity resulting from automobile collisions have decreased during the last five years for low impact speeds. This reduction is a direct result of the application of biomechanics and occupant kinematics, as well as changes in automobile design. The paper defines terminology used in the field of mechanics and develops examples and illustrations of the physical concepts of acceleration, force strength, magnitude duration, rate of onset and others, as they apply to collision phenomena and injury. The mechanism of injury pattern reduction through the use of restraint systems is illustrated. PMID:5059661

  17. Technological Improvements to Automobile Fuel Consumption : Volume 1. Executive Summary.

    Science.gov (United States)

    1974-02-01

    This report is a priliminary survey of the technological feasibility of reducing the fuel consumption of automobiles. The study uses as a reference information derived from literature, automobile industry contacts, and testing conducted as part of th...

  18. 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...

  19. 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 the...

  20. 38 CFR 17.156 - Eligibility for automobile adaptive equipment.

    Science.gov (United States)

    2010-07-01

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

  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. Past and Future Trends in Automobile Sales

    Science.gov (United States)

    1981-07-01

    The report uses the Wharton EFA Motor Vehicle Demand Model (Mark I) and its associates data bases to discuss and analyze past and future trends in the automobile market. Part A analyzes the historical trends, generally covering the 1958-1976 period, ...

  3. Trends in chassis and automobile electronics components

    Energy Technology Data Exchange (ETDEWEB)

    Hackenberg, Ulrich [Volkswagen AG, Wolfsburg (Germany)

    2008-07-01

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

  4. Chery Automobile: Chinese Firms catching up

    NARCIS (Netherlands)

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

    2015-01-01

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

  5. Recent trends in automobile recycling: An energy and economic assessment

    Energy Technology Data Exchange (ETDEWEB)

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

    1994-03-01

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

  6. Federal Deposit Insurance Corporation (FDIC) Insured Banks

    Data.gov (United States)

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

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

    Science.gov (United States)

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

    2018-01-01

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

  8. 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...

  9. New perspectives for advanced automobile diesel engines

    Science.gov (United States)

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

    1983-01-01

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

  10. 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.

  11. 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...

  12. Risk, Ambiguity, and Insurance.

    Science.gov (United States)

    1984-10-01

    ambiguous, insurance firms are reluctant to market coverage. The oae of nulear power provides a graphic example. Neither risk managers of nuclear...Inauiry, 20, 1-9. Alliance of American Insurers, American Insurance Association, National Association of Independent Insurers, Mutual Atomic Energy

  13. Corrosion protection and finishing of automobiles

    International Nuclear Information System (INIS)

    Sheikh, S.T.

    2005-01-01

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

  14. Globalization of the automobile industry: traditional locations under pressure?

    OpenAIRE

    Spatz, Julius; Nunnenkamp, Peter

    2004-01-01

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

  15. 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.

  16. Credit constraints, consumer leasing and the automobile replacement decision

    OpenAIRE

    Kathleen W. Johnson

    1999-01-01

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

  17. Insurance of nuclear risk

    International Nuclear Information System (INIS)

    Lacroix, M.

    1976-01-01

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

  18. Recycling scheme for scrapped automobiles in Japan

    Energy Technology Data Exchange (ETDEWEB)

    Suzuki, Masao [AI Tech Associates, Tokyo (Japan); Nakajima, Akira [Car Steel Co., Ltd., Gunnma (Japan); Taya, Sadao [Shinsei Co., Ltd., Osaka (Japan)

    1995-12-31

    Over 5 million cars are scrapped yearly in Japan. After dismantling scrapped automobiles, they are put into a shredder for differential recovery of ferrous and nonferrous metals. The residue, which is called shredder dust, runs over 1.2 million tons per year. This paper reports a entire sequence of scrapping cars in Japan with the following sections: (1) production and scrapped car management, (2) material composition, (3) dismantling, (4) shredder plant, (5) differential recovery of metals including specific gravity and newly developed color separation.

  19. Information, complexity and efficiency: The automobile model

    Energy Technology Data Exchange (ETDEWEB)

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

    1996-08-08

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

  20. Assessing Cognitive Distraction in the Automobile.

    Science.gov (United States)

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

    2015-12-01

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

  1. Hydrogen: implications for the future automobile

    International Nuclear Information System (INIS)

    Frise, P. R.; Woodward, W.

    2004-01-01

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

  2. Automobile wheel clearance estimation using magnetism

    Science.gov (United States)

    Le Goff, A.; Lacoume, J.-L.; Blanpain, R.; Dauvé, S.; Serviere, C.

    2012-01-01

    With development and miniaturization of magnetic sensors for several years, it is now possible to imagine new applications using magnetic measures for monitoring and diagnostics. In this article this new way of research and development is presented with a concrete example concerning monitoring of wheels in an automobile. Our approach consists in using the low magnetic field created by the metallic elements of the wheel in order to localize them with low-cost high-sensitivity miniature magnetic sensors. The measures are made via a sensor network set up on a vehicle around the wheel. Then we use a physical model of the wheel in order to interpret the signals we get from the sensors. This method shows the interest of the magnetic measurement for monitoring in automobile. In this paper we present the magnetic signal created by a wheel, the mechanical model of the wheel and we present how we use them for an application: the real-time estimation of the distance between wheels and chassis (wheel clearance).

  3. Odhad rychlosti automobilů ve videu

    OpenAIRE

    Hájek, Pavel

    2017-01-01

    Tato diplomová práce se zabývá návrhem a tvorbou aplikace pro odhadování rychlosti automobilů jak ze záznamu kamery, tak realtime ze streamu. Práce popisuje kalibraci kamery, detekci a trackování automobilů a odhad jejich rychlosti a věnuje se robotickému operačnímu systému pro nějž je určená. Vytvořená aplikace používá knihovnu OpenCV k většině úkonů, pro přístup k videu používá knihovnu FFmpeg. Výsledky může vypsat na terminál, do souboru nebo je například dále publikovat v rámci ROSu. Apli...

  4. 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.

  5. OPTIMAL AUTOMOBILE MUFFLER VIBRATION AND NOISE ANALYSIS

    Directory of Open Access Journals (Sweden)

    Sujit Kumar Jha

    2013-06-01

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

  6. Chinese nuclear insurance and Chinese nuclear insurance pool

    International Nuclear Information System (INIS)

    Gong Zhiqi

    2000-01-01

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

  7. 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 ...

  8. Disability Income Insurance

    OpenAIRE

    Hayhoe, Celia Ray; Smith, Mike, CPF

    2009-01-01

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

  9. Automobile fuel economy standards : Impacts, efficiency, and alternatives

    NARCIS (Netherlands)

    Anderson, Soren T.; Parry, Ian W H; Sallee, James M.; Fischer, Carolyn

    This article discusses automobile fuel economy standards in the United States and other countries. We first describe how these programs affect the automobile market, including impacts on fuel consumption and other dimensions of the vehicle fleet. We then review two different methodologies for

  10. 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.

  11. The Training Needs of Michigan Automobile Suppliers: Initial Report.

    Science.gov (United States)

    Jacobs, James

    In June 1985, a survey was sent by the Industrial Technology Institute to 397 Michigan automobile supplier firms concerning their industrial training in modern manufacturing technologies. The purposes of this survey were to investigate the training needs of Michigan automobile suppliers, with particular emphasis on how they met their training…

  12. Effects of automobile battery wastes on physicochemical properties ...

    African Journals Online (AJOL)

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

  13. Prescriptions and Insurance Plans

    Science.gov (United States)

    ... For several years after the drug is developed, laws prevent other drug companies from copying it. When other companies start manufacturing ... understand medical bills to know what your insurance company is paying…Health ... It CoversRead Article >>Insurance & BillsHealth Insurance: Understanding ...

  14. Risks and nuclear insurance

    International Nuclear Information System (INIS)

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

    1988-01-01

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

  15. Evaluating the impact of Mobike on automobile-involved bicycle crashes at the road network level.

    Science.gov (United States)

    Li, Ye; Xing, Lu; Wang, Wei; Liang, Mingzhang; Wang, Hao

    2018-03-01

    As a booming system, free-floating bicycle-sharing (denoted as Mobike) attracts a large number of users due to the convenient utilization procedure. However, it brings about a rapid increase of bicycle volume on roadways, resulting in safety problems especially on road segments shared by automobiles and bikes. This study aimed to evaluate impacts of Mobike on automobile-involved bicycle crashes on shared roadways at a macro level, the network level. Relation between traffic volumes and crashes was first established. Then, the travel mode choice before and after supplying Mobike in the market was analyzed, based on which the multi-class multi-modal user equilibrium (MMUE) models were formulated and solved. Two attributes of Mobike, supply quantity and fare, were investigated via various scenarios. Results suggested the Mobike attracted more walkers than auto-users in travel mode choices, which caused the volume increase of bicycles but few volume decline of automobiles and resulted in more crashes. The supply quantity of Mobike had a negative impact on safety, while the fare had a positive effect. The total supply of Mobike in the market should be regulated by governments to avoid over-supply and reduce bicycle crashes. The fares should be also regulated by including taxes and insurances, which can be used to build up more separated bicycle facilities and cover the Mobike accidents, respectively. The findings of this study provide useful information for governments and urban transportation managers to improve bicycle safety and regulate the Mobike market. Copyright © 2018 Elsevier Ltd. All rights reserved.

  16. 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...

  17. Diffusion of lead in automobile exhaust gas

    Energy Technology Data Exchange (ETDEWEB)

    Yamaga, S.; Ohmori, K.; Saito, H.; Tanizaki, A.

    1970-01-01

    The pattern of diffusion of lead from automobile exhaust gas was investigated by studying the amount of lead adhering to or contained in leaves of ginkgo trees growing along less-travelled roads that cross a busy highway. Samples were dried at 100 C, then pulverized, and a definite portion wet-digested. After extraction by dithizone, lead was determined by atomic absorption spectrophotometry. The same routine was followed for surface soil at the root of the trees. Leaves at heights of 3 and 6 m were examined. At one of the two sampling sites, the lead content in surface soil tended to decrease with distance from the trunk highway. At both sites, the amount of lead in leaves was found in larger amounts in the leaves at the lower level. Also, those leaves collected in October contained more lead than those assembled earlier in the year.

  18. 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.

  19. 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.

  20. 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.

  1. Stability analysis of automobile driver steering control

    Science.gov (United States)

    Allen, R. W.

    1981-01-01

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

  2. Research on embedded automobile collision avoidance system

    Directory of Open Access Journals (Sweden)

    TAO Feng

    2016-08-01

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

  3. Talking about the Automobile Braking System

    Science.gov (United States)

    Xu, Zhiqiang

    2017-12-01

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

  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. 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

  6. Consumer preferences for automobile energy-efficiency grades

    International Nuclear Information System (INIS)

    Koo, Yoonmo; Kim, Chang Seob; Hong, Junhee; Choi, Ie-Jung; Lee, Jongsu

    2012-01-01

    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.

  7. 75 FR 72965 - Federal Travel Regulation; Removal of Privately Owned Vehicle Rates; Privately Owned Automobile...

    Science.gov (United States)

    2010-11-29

    ... Rates; Privately Owned Automobile Mileage Reimbursement When Government Owned Automobiles Are Authorized... reimbursement amount for travelers who are authorized to use a Government Owned Automobile (GOA) for temporary duty travel (TDY) and choose to use their privately owned automobile (POA) instead; updates the...

  8. The Political Economy of the Automobile Industry in ASEAN: a Cross-Country Comparison

    OpenAIRE

    Tai, Wan-Ping

    2016-01-01

    The automobile industry plays a leading role in a country's industrialization. Various countries have used different methods to identify a model of industrial development. For developing countries, establishing the automobile industry is crucial for promoting industrialization. After Southeast Asian countries achieved independent, their automobile industries underwent establishment and development stages. The domestic and overseas competiveness of the automobile industries in ASEAN have recei...

  9. Nuclear insurance fire risk

    International Nuclear Information System (INIS)

    Dressler, E.G.

    2001-01-01

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

  10. Uninsured vs. insured population

    DEFF Research Database (Denmark)

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

    2003-01-01

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

  11. Multivariate Frequency-Severity Regression Models in Insurance

    Directory of Open Access Journals (Sweden)

    Edward W. Frees

    2016-02-01

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

  12. Drowsy driving and automobile crashes : report and recommendations.

    Science.gov (United States)

    2013-08-01

    Drowsy driving is a serious problem that leads to thousands of automobile crashes each year. This report, sponsored by the National Center on Sleep Disorders Research (NCSDR) of the National Heart, Lung, and Blood Institute of the National Institutes...

  13. Restraint of the Automobile in American Residential Neighborhoods

    Science.gov (United States)

    1978-04-01

    Two techniques for restraining the use of the automobile have recently become popular in the United States: residential parking permit programs and traffic restraint devices. While both the these approaches are aimed at restraining the use of the aut...

  14. Study of Automobile Market Dynamics : Volume 2. Analysis.

    Science.gov (United States)

    1977-08-01

    Volume II describes the work in providing statistical inputs to a computer model by examining the effects of various options on the number of automobiles sold; the distribution of sales among small, medium and large cars; the distribution between aut...

  15. Scenes of fathering: The automobile as a place of occupation.

    Science.gov (United States)

    Bonsall, Aaron

    2015-01-01

    While occupations are increasingly analyzed within contexts, other than the home, the ordinary places that facilitate occupations have been overlooked. The aim of this article is to explore the automobile as a place of occupation using data from an ethnographic study of fathers of children with disabilities. Qualitative data obtained through observations and interviews with the fathers and their families were analyzed using a narrative approach. Properties that influence interactions include opportunities to communicate, the vehicle itself, and electronics. Driving children in the automobile fulfills fathering responsibilities and is a time for connecting. For the fathers in this study, the automobile represents a place for negotiating complex demands of fathering. This study demonstrates not only the importance of the automobile, but also the influence of the immediate space on the construction of occupations.

  16. Legislative Committee Simulation: Regulation in the Automobile Industry.

    Science.gov (United States)

    Hoffman, Alan J.; And Others

    1983-01-01

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

  17. Learning Activities: Students and Recycling. [and] Automobile Aerodynamics.

    Science.gov (United States)

    McLaughlin, Charles H., Jr.; Schieber, Rich

    1994-01-01

    The first learning activity is intended to heighten students' awareness of the need for recycling, reuse, and reduction of materials; the second explores the aerodynamics of automobiles. Both include context, concept, objectives, procedure, and materials needed. (SK)

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

    OpenAIRE

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

    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...

  19. ESTIMATION OF ECOLOGICAL LOSSES AT ORGANIZATION OF AUTOMOBILE TRANSPORTATIONS

    Directory of Open Access Journals (Sweden)

    V. К. Jaroshevich

    2006-01-01

    Full Text Available Ecological safety of automobile transport systems is considered on the basis of the account of transportation process efficiency. It is shown that ecological safety of transportations is estimated to a great extent by the automobile usage level in respect of run and capacity. It is proposed a criterion of a passenger transport system optimality on the basis of carrying capacity proceeding from ecological safety of transportation.

  20. Can urban rail transit curb automobile energy consumption?

    International Nuclear Information System (INIS)

    Lin, Boqiang; Du, Zhili

    2017-01-01

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

  1. 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.

  2. Assessing location attractiveness for manufacturing automobiles

    International Nuclear Information System (INIS)

    Hanawalt, Edward; Rouse, William

    2017-01-01

    Evaluating country manufacturing location attractiveness on various performance measures deepens the analysis and provides a more informed basis for manufacturing site selection versus reliance on labor rates alone. A short list of countries can be used to drive regional considerations for site-specific selection within a country. Design/methodology/approach: The two-step multi attribute decision model contains an initial filter layer to require minimum values for low weighted attributes and provides a rank order utility score for twenty three countries studied. The model contains 11 key explanatory variables with Labor Rate, Material Cost, and Logistics making up the top 3 attributes and representing 54% percent of the model weights. Findings: We propose a multi attribute decision framework for strategically assessing the attractiveness of a country as a location for manufacturing automobiles. Research limitations/implications: Consideration of country level wage variation, specific tariffs, and other economic incentives provides a secondary analysis after the initial list of candidate countries is defined. Practical implications: The results of our modeling shows China, India, and Mexico are currently the top ranked countries for manufacturing attractiveness. These three markets hold the highest utility scores throughout sensitivity analysis on the labor rate attribute weight rating, highlighting the strength and potential of manufacturing in China, India, and Mexico. Originality/value: Combining MAUT with regression analysis to simplify model to core factors then using a “must have” layer to handle extreme impacts of low weight factors and allowing for ease of repeatability.

  3. Assessing location attractiveness for manufacturing automobiles

    Energy Technology Data Exchange (ETDEWEB)

    Hanawalt, Edward; Rouse, William

    2017-07-01

    Evaluating country manufacturing location attractiveness on various performance measures deepens the analysis and provides a more informed basis for manufacturing site selection versus reliance on labor rates alone. A short list of countries can be used to drive regional considerations for site-specific selection within a country. Design/methodology/approach: The two-step multi attribute decision model contains an initial filter layer to require minimum values for low weighted attributes and provides a rank order utility score for twenty three countries studied. The model contains 11 key explanatory variables with Labor Rate, Material Cost, and Logistics making up the top 3 attributes and representing 54% percent of the model weights. Findings: We propose a multi attribute decision framework for strategically assessing the attractiveness of a country as a location for manufacturing automobiles. Research limitations/implications: Consideration of country level wage variation, specific tariffs, and other economic incentives provides a secondary analysis after the initial list of candidate countries is defined. Practical implications: The results of our modeling shows China, India, and Mexico are currently the top ranked countries for manufacturing attractiveness. These three markets hold the highest utility scores throughout sensitivity analysis on the labor rate attribute weight rating, highlighting the strength and potential of manufacturing in China, India, and Mexico. Originality/value: Combining MAUT with regression analysis to simplify model to core factors then using a “must have” layer to handle extreme impacts of low weight factors and allowing for ease of repeatability.

  4. 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.

  5. Marketing in life insurance

    Directory of Open Access Journals (Sweden)

    Njegomir Vladimir

    2006-01-01

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

  6. 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...

  7. Forest insurance number.

    Science.gov (United States)

    Thornton T. Munger; H.B. Shepard

    1934-01-01

    This inquiry, originally conceived as an effort to determine definitely whether the existing lack of adequate and practical forest fire insurance facilities is in truth unavoidable and, if possible, to suggest means whereby the condition might be remedied, finds no apparent reason why successful forest fire insurance should not be possible as far as the loss situation...

  8. 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.

  9. Disposition of Insurance Allotment Payments

    National Research Council Canada - National Science Library

    Young, Shelton

    2001-01-01

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

  10. Insurance Coverage and Clinical Trials

    Science.gov (United States)

    Most health insurance plans are required to cover routine patient care costs in clinical trials under certain conditions. Learn about the conditions that insurance plans take into account and how to work with your insurance company.

  11. Terrorism Risk Insurance: An Overview

    National Research Council Canada - National Science Library

    Webel, Baird

    2005-01-01

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

  12. Unemployment Insurance and Inequality

    DEFF Research Database (Denmark)

    Larsen, Birthe; Waisman, Gisela

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

  13. 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 “...

  14. Nuclear liability - nuclear insurance

    International Nuclear Information System (INIS)

    Roesch, H.

    1981-01-01

    In the fourth concluding article on this subject (following articles in VW 1981 pp. 483, 552 and 629), the author explains procedures, duties and obligations according to the Para. Para. 5, 6 and 7 of the AHBKA. These obligations are to be observed before or after the occurrence of damages. In addition, legal consequences following violations of duties - loss of right - joint, insurance, transfer ban, period for filing suit, duty to notify, 'The German Nuclear Reactor Insurance and Reinsurance Community', the insurance according to the 'General terms and conditions governing the liability insurance of licensed activities involving nuclear fuels and other radioactive substances outside nuclear installations (AHBStr.)', object, beginning and exclusion of coverage, 'Special conditions governing the transport of nuclear fuels according to Para. 25 (2) of the Atomic Energy Law' are attached to the General Terms and Conditions governing the liability insurance of licenced activities involving nuclear fuels and other radioactive substances outside nuclear installations. (HSCH) [de

  15. Insurance: Accounting, Regulation, Actuarial Science

    OpenAIRE

    Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart

    2001-01-01

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

  16. Detection of mutagenic activity in automobile exhaust.

    Science.gov (United States)

    Ohnishi, Y; Kachi, K; Sato, K; Tahara, I; Takeyoshi, H; Tokiwa, H

    1980-03-01

    Using the Ames Salmonella-microsome system, we detected mutagenic activity in the exhaust from two kinds of 4-cycle gasoline engines of unregulated and regulated cars, and from diesel engines, as well as in the particulates from air collected in tunnels. The mutagenicity of particulates from a car equipped with a catalyst (regulated car), as compared with that from an unregulated car, was reduced very much (down to 500 from 4500 revertants/plate/m3 in tester strain TA98). However, the mutagenicity of the ether-soluble acid and neutral fractions from the condensed water of emissions from a regulated car was still high (down to 2880 from 10 900 revertants/plate/m3 in tester strain TA100). The mutagenic activity of emission exhaust from old diesel car engines was very high; the particulates showed 9140 and 19 600 revertants/plate/m3 from strain TA98 incubated with an activating rat-liver S9 fraction. A small diesel engine of the type used for the generation of electric power or in farm machinery also produced exhaust with highly mutagenic particulates. The mutagenic activity of a methanol extract of particulate air pollutants collected in a highway tunnel showed 39 revertants/plate/m3 toward strain TA98 and 87 toward strain TA100. The ether-soluble neutral fraction yielded 86 revertants/plate/m3 from strain TA98 and 100 from strain TA100. This fraction also contained carcinogenic compounds, including benzo[a]pyrene, benzo[e]pyrene, benz[a]anthracene, benzo[ghi]perylene and chrysene. Very high mutagenic activity was detected, especially in the particulate air pollutants collected at night, in another tunnel on a superhighway: 60-88 revertants/plate/m3 from strain TA100 for the sample collected by day, but 121-238, by night. Night traffic includes many more diesel-powered vehicles compared with gasoline-powered automobiles.

  17. 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.

  18. 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...

  19. Insurability of Terrorism Risks

    International Nuclear Information System (INIS)

    Harbruecker, D.

    2006-01-01

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

  20. Development of automobile tyre lateral runout measurement sensor

    Science.gov (United States)

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

    2013-10-01

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

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

    DEFF Research Database (Denmark)

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

    1993-01-01

    We review the circularity between estimates of automobile use, fuel consumption and fuel intensity. We find that major gaps exist between estimates of road gasoline, the quantity most often used to represent automobile fuel use in economic studies of transport fuel use, and the actual sales data...... of gasoline, diesel and other fuels used for automobiles. We note that significant uncertainties exist in values of both the number of automobiles in use and the distance each is driven, which together yield total automobile use. We present our own calculations for total automobile fuel use for a variety...

  2. Optimum amount of an insurance sum in life insurance

    Directory of Open Access Journals (Sweden)

    Janez Balkovec

    2001-01-01

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

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

    Energy Technology Data Exchange (ETDEWEB)

    Barbusse, St.; Gagnepain, L.

    2003-05-01

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

  4. Vaccines as Epidemic Insurance

    Directory of Open Access Journals (Sweden)

    Mark V. Pauly

    2017-10-01

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

  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. Group life insurance

    CERN Multimedia

    2013-01-01

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

  7. M. Nuclear insurance

    International Nuclear Information System (INIS)

    1976-01-01

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

  8. 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 is...

  9. Consumer in insurance law

    Directory of Open Access Journals (Sweden)

    Čorkalo Milena

    2016-01-01

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

  10. Environmental change and hedonic cost functions for automobiles.

    Science.gov (United States)

    Berry, S; Kortum, S; Pakes, A

    1996-11-12

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

  11. Environmental change and hedonic cost functions for automobiles

    Science.gov (United States)

    Berry, Steven; Kortum, Samuel; Pakes, Ariel

    1996-01-01

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

  12. Hinderniserkennung und -verfolgung mit einer PMD-kamera im automobil

    Science.gov (United States)

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

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

  13. Improved fault tolerance for air bag release in automobiles

    Science.gov (United States)

    Yeshwanth Kumar, C. H.; Prudhvi Prasad, P.; Uday Shankar, M.; Shanmugasundaram, M.

    2017-11-01

    In order to increase the reliability of the airbag system in automobiles which in turn increase the safety of the automobile we require improved airbag release system, our project deals with Triple Modular Redundancy (TMR) Technique where we use either three Sensors interfaced with three Microcontrollers which given as input to the software voter which produces majority output which is feed to the air compressor for releasing airbag. This concept was being used, in this project we are increasing reliability and safety of the entire system.

  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. Technological Improvements to Automobile Fuel Consumption : Volume 2A. Sections 1 through 25

    Science.gov (United States)

    1974-12-01

    This report is a preliminary survey of the technological feasibility of reducing the fuel consumption of automobiles. The study uses as a reference information derived from literature, automobile industry contacts, and testing conducted as part of th...

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

    Science.gov (United States)

    Bryan, Ronald A.; And Others

    1988-01-01

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

  17. Exposure as Duration and Distance in Telematics Motor Insurance Using Generalized Additive Models

    Directory of Open Access Journals (Sweden)

    Jean-Philippe Boucher

    2017-09-01

    Full Text Available In Pay-As-You-Drive (PAYD automobile insurance, the premium is fixed based on the distance traveled, while in usage-based insurance (UBI the driving patterns of the policyholder are also considered. In those schemes, drivers who drive more pay a higher premium compared to those with the same characteristics who drive only occasionally, because the former are more exposed to the risk of accident. In this paper, we analyze the simultaneous effect of the distance traveled and exposure time on the risk of accident by using Generalized Additive Models (GAM. We carry out an empirical application and show that the expected number of claims (1 stabilizes once a certain number of accumulated distance-driven is reached and (2 it is not proportional to the duration of the contract, which is in contradiction to insurance practice. Finally, we propose to use a rating system that takes into account simultaneously exposure time and distance traveled in the premium calculation. We think that this is the trend the automobile insurance market is going to follow with the eruption of telematics data.

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

    OpenAIRE

    Hiroyuki Shibusawa; Takafumi Sugawara

    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 industrial...

  19. New Car Sales and Used Car Stocks: A Model of the Automobile Market

    OpenAIRE

    James Berkovec

    1985-01-01

    This article develops a short-run general equilibrium model of the automobile market by combining a discrete choice model of consumer automobile demand with simple models of new automobile production and used vehicle scrappage. The theoretical model allows an unlimited degree of heterogeneity of both consumers and automobiles, with equilibrium defined as aggregate demand equal to supply for every vehicle type. Econometric estimates of the scrappage and demand functions are then used to create...

  20. 77 FR 63917 - WTO Dispute Settlement Proceeding Regarding China-Certain Measures Affecting the Automobile and...

    Science.gov (United States)

    2012-10-17

    ... Regarding Expediting Equipment Manufacturing; Xiamen Municipal Notice on Automobile Industry Development... Proceeding Regarding China--Certain Measures Affecting the Automobile and Automobile-Parts Industries AGENCY... panel, which would hold its meetings in Geneva, Switzerland, would be expected to issue a report on its...

  1. 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 the...

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

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2010-07-01

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

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

    Science.gov (United States)

    2011-10-05

    ... (Application for Automobile or Other Conveyance and Adaptive Equipment): Activity Under OMB Review AGENCY... INFORMATION: Title: Application for Automobile or other Conveyance and Adaptive Equipment (under 38 U.S.C... apply for automobile or other conveyance allowance, and reimbursement for the cost and installation of...

  5. 76 FR 44402 - Proposed Information Collection (Application for Automobile or Other Conveyance and Adaptive...

    Science.gov (United States)

    2011-07-25

    ... (Application for Automobile or Other Conveyance and Adaptive Equipment) Activity: Comment Request AGENCY... information needed to determine claimants' eligibility for automobile adaptation equipment or other conveyance...: Application for Automobile or other Conveyance and Adaptive Equipment (under 38 U.S.C. 3901-3904), VA Form 21...

  6. 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 for...

  7. Group Life Insurance

    CERN Multimedia

    2013-01-01

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

  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?

    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.

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

    Science.gov (United States)

    Kaderabeck, Elizabeth A.

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

  11. The promise of fuel cell-based automobiles

    Indian Academy of Sciences (India)

    Fuel cell-based automobiles have gained attention in the last few years due to growing public concern about urban air pollution and consequent environmental problems. From an analysis of the power and energy requirements of a modern car, it is estimated that a base sustainable power of c a . 50 kW supplemented with ...

  12. Dynamic Models of the U.S. Automobile Fleet

    Science.gov (United States)

    1977-08-01

    The report examines some of the dynamic properties of the automobile fleet. The focus is not on new-car demand, but rather on the overall behavior of the system. Relationships derived from previous studies have been incorporated and integrated in a s...

  13. Monitoring Report - Automobile Voluntary Fuel Economy Improvement Program

    Science.gov (United States)

    1976-04-01

    On October 8, 1974, President Ford announced the goal of a 40% improvement in fuel economy of automobiles to be achieved in the 1980 new car fleet compared to 14.0 MPH for 1974. The Secretary of Transportation was given the lead in developing the pro...

  14. The promise of fuel cell-based automobiles

    Indian Academy of Sciences (India)

    Unknown

    Abstract. Fuel cell-based automobiles have gained attention in the last few years due to growing public con- cern about urban air pollution and consequent environmental problems. From an analysis of the power and energy requirements of a modern car, it is estimated that a base sustainable power of ca. 50 kW ...

  15. Measurement of Gamma Radiation in an Automobile Mechanic ...

    African Journals Online (AJOL)

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

  16. Spatial distribution and landuse planning of informal automobile ...

    African Journals Online (AJOL)

    Hence, informal automobile workshops can spring up beside, behind or within any form or type of land use along major road to distort the existing land use plan (if any). This is observed to be a great challenge for maintaining order in the city. The study therefore, recommends the establishment of mechanic complex, ...

  17. New Technology and Human Resource Development in the Automobile Industry.

    Science.gov (United States)

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

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

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

    African Journals Online (AJOL)

    User

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

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

    African Journals Online (AJOL)

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

  20. Measurement of Gamma Radiation in an Automobile Mechanic ...

    African Journals Online (AJOL)

    imeh james

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

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

    African Journals Online (AJOL)

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

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

    Science.gov (United States)

    Vick, James E.

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

  3. Reducing automobile traffic: an urgent policy for health promotion

    Directory of Open Access Journals (Sweden)

    Tapia Granados José A.

    1998-01-01

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

  4. 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...

  5. The promise of fuel cell-based automobiles

    Indian Academy of Sciences (India)

    Unknown

    The fuel cell system energy efficiency at present is about 60%, which is much higher than both the Otto (ca. 20%) as well as Diesel (ca. 30%) versions of ICEVs (Jeong and Oh 1999). Although, the 80 kW of the power needed to provide the acceleration to the fuel cell-based automobile could be supplied by an appropri-.

  6. Micro-electronics and employment in the Japanese automobile industry.

    OpenAIRE

    Watanabe, S

    1984-01-01

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

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

    Science.gov (United States)

    California State Dept. of Public Health, Berkeley.

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

  8. Development of psychological test for the selection of automobile ...

    African Journals Online (AJOL)

    The purpose of this study was to develop a psychological test that will be incorporated into the selection process of automobile drivers in commercial banks in Nigeria. As is the rule in the content-oriented approach to test development, 50 incumbent drivers and 18 fleet managers and supervisors took part in a job analysis ...

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

    African Journals Online (AJOL)

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

  10. Insurance against nuclear risks

    International Nuclear Information System (INIS)

    Dow, J.C.

    1976-01-01

    Virtually any type of nuclear risk is insurable in principle, providing, of course, that the necessary standards of safety and control are met. Some of the risks are of a relatively minor character and no more hazardous than a simple conventional risk. But insurers would not consider as a minor risk anything which involves the use of nuclear fuel or other nuclear materials which are in a critical state or capable of releasing dangerous levels of radioactivity. These would include nuclear reactors or, indeed, any type of assembly which can not be regarded as subcritical. Most insurers would also regard installations involved in the manufacturing, processing and enriching of nuclear fuel, and certainly those concerned with the reprocessing of irradiated fuel and plutonium extraction, as major risks. (HP) [de

  11. Constant Proportion Portfolio Insurance

    DEFF Research Database (Denmark)

    Jessen, Cathrine

    2014-01-01

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

  12. 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'.

  13. Lectures on insurance models

    CERN Document Server

    Ramasubramanian, S

    2009-01-01

    Insurance has become a necessary aspect of modern society. The mathematical basis of insurance modeling is best expressed in terms of continuous time stochastic processes. This introductory text on actuarial risk theory deals with the Cramer-Lundberg model and the renewal risk model. Their basic structure and properties, including the renewal theorems as well as the corresponding ruin problems, are studied. There is a detailed discussion of heavy tailed distributions, which have become increasingly relevant. The Lundberg risk process with investment in risky asset is also considered. This book will be useful to practitioners in the field and to graduate students interested in this important branch of applied probability.

  14. Long-Term Care Insurance and Life Insurance Demand

    OpenAIRE

    Volker Meier

    1998-01-01

    This article investigates the interaction between life insurance and long-term care insurance markets on the demand side. In the model utility depends on both consumption and bequest, and utility from consumption is contingent on the state of health. While the demand for life insurance increases both with decreasing income and with a rising degree of altruism, the influences of these two parameters on the demand for long-term care insurance are ambiguous. If the utility shock arising from dis...

  15. BUSINESS PROCESS MANAGEMENT IN INSURANCE CASE OF JADRANSKO INSURANCE COMPANY

    OpenAIRE

    Sanja Coric; Danijel Bara

    2014-01-01

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

  16. Promotion Models and Achievements of New-energy Automobiles in Shenzhen

    Science.gov (United States)

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

    2017-08-01

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

  17. Clinical trial insurance in Serbia

    Directory of Open Access Journals (Sweden)

    Žagar Zlatko A.

    2015-01-01

    Full Text Available Prior the commencement of the clinical trial in Serbia the Sponsor is obliged to provide the insurance policy covering the patient's bodily injury and damaged health caused by the clinical trial. According to provisions of Serbian Insurance law insurance polices have to be issued by the insurance companies established in Serbia. Every insurance policy not issued by the insurance company established in Serbia shall be deemed as null and void. The only expectance, is when the foreign clinical trial liability policy is stipulated that the insurance contract acknowledges the jurisdiction of Serbian domestic courts and other Serbian authorities to decide on damage claims (that never happened in Serbian practice. The Sponsor will fulfill this obligation stipulated in Serbian law when provides the Clinical Trial Liability policy issued by the Serbian insurance company. Nowadays, few of Serbian insurance companies are issuing such polices. Under the clinical trial liability insurance cover the insured's are: Sponsor, Medical Centers in Serbia performing or controlling the clinical trial, Principal Investigators and their assistant staff performing or controlling the clinical trial. The beneficiaries of the insurance cover are patients and/or members of their families - inheritresses. The insurance company will indemnify the beneficiary mentioned in the policy when the insured event occurred i.e. when occurred bodily injury, psychic disease and alienation, psychic damages, illnesses and deaths caused by the clinical trial. The amount of indemnity by the insurance company to the beneficiaries is limited by the amount of sum insured per occurrence and/or by the total amount of the sum insured for the total period of the insurance cover. According to case-law in Serbia the total sum insured between EUR 500.000 and EUR 1.000.000 is considered as sufficient so far to indemnify the patients in case of the insured event. If an insurance event occurs the

  18. 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.

  19. Unemployment Insurance and Inequality

    DEFF Research Database (Denmark)

    Larsen, Birthe; Waisman, Gisela

    educated workers receive a lower fraction of their wages as unemployment insurance, we consider how the impact on labour market performance and wage differences and thereby inequality differ dependent on whether educated or uneducated workers receive higher benefits. The model can help shed light...

  20. Trends in pension insurance

    Directory of Open Access Journals (Sweden)

    D. Shterev

    2017-12-01

    Full Text Available This article deals with a topical for our country problem which is related to the State Social Insurance. It provides a review of the factors having an adverse effect onto the financial state of the Bulgarian pension system. Discussed are the basic parameters related to the economic incentives in connection with the optimal functioning of the pension system

  1. Insurance and fuel transport

    International Nuclear Information System (INIS)

    Rocha, L.M.G. da.

    1979-01-01

    The fuel transport insurance in Brazil is analysed. There are some special and additional clauses that can be included or excluded, according to the contracting parts and because of some rules, conventions and treaties they are obliged to insert certain conditions, in view of the nature of the transported material and the risks resulting from it. (A.L.S.L.) [pt

  2. 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.

  3. Voluntary Public Unemployment Insurance

    DEFF Research Database (Denmark)

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

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

  4. 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.

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

    Science.gov (United States)

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

    2005-10-01

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

  6. A utility theory approach for insurance pricing

    Directory of Open Access Journals (Sweden)

    Mohsen Gharakhani

    2015-11-01

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

  7. 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.

  8. Intelligent solar-powered automobile-ventilation system

    International Nuclear Information System (INIS)

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

    2005-01-01

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

  9. Additives: The key for automobiles to meet new emission standards

    International Nuclear Information System (INIS)

    Friedman, J.R.

    1992-01-01

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

  10. Recent progress of optical thin films in the automobile industry.

    Science.gov (United States)

    Taga, Y

    1993-10-01

    There are increasing demands for the application of optical thin films to transparent substrates such as glass and plastics for windows in automobiles with the view of adding fascinating optical properties to them. These properties include surface hardening of plastics, infrared reflection, ultraviolet absorption, polarization and birefringence, and hydrophobicity. Recent examples of applications of sophisticated thin-film processes of plasma treatment and physical vapor deposition are reviewed. The novelty of the functions provided by physical vapor deposition films together with their durability for practical usage are emphasized as areas in which the thin-film process has a significant impact. Characterization of the modified surface and interface is also included to demonstrate recent advances in surface chemistry. Finally, future challenges for optical modification of transparent substrates in the automobile industry are also discussed.

  11. 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.

  12. 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.

  13. Aptitude visuelle à la conduite automobile: exemple des candidats ...

    African Journals Online (AJOL)

    L'objectif était d'évaluer l'aptitude visuelle à la conduite automobile des candidats au permis de conduire à Libreville. Il s'agissait d'une étude transversale, descriptive et analytique, qui s'est déroulée à Libreville pendant la période du 4 avril 2012 au 14 juillet 2012 (soit 4 mois et 10 jours). La population d'étude concernait ...

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

    Science.gov (United States)

    Kelley, Ben

    2017-05-01

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

  15. VISUALIZATION OF MEMS STRUCTURES FOR EDUCATION OF AUTOMOBILE MICROSYSTEMS

    Directory of Open Access Journals (Sweden)

    Slavomír KARDOŠ

    2017-09-01

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

  16. 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...

  17. Dynamic interaction between markets for leasing and selling automobiles

    OpenAIRE

    Andrikopoulos, Athanasios; Markellos, Raphael N.

    2015-01-01

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

  18. 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...

  19. The Production and Inventory Behavior of the American Automobile Industry

    OpenAIRE

    Olivier J. Blanchard

    1982-01-01

    Understanding inventory movements is central to an understanding of business cycles. This paper presents an empirical study of the behavior of inventories in the automobile industry. It finds that inventory behavior is well explained by the assumption of intertemporal optimization with rational expectations. The underlying cost structure appears to have substantial costs of changing production as well as substantial costs of being away from target inventory, the latter being a function of cur...

  20. Do sales tax credits stimulate the automobile market?

    OpenAIRE

    Chen, Jiawei; Esteban, Susanna; Shum, Matthew

    2010-01-01

    In this paper, we quantitatively investigate the effectiveness of a sales tax reduction in stimulating sales and profits of durable goods manufacturers. Our question is motivated by policy makers' recent interest in helping ailing automobile manufacturers and in replacing a fleet of highly polluting vehicles. President Obama's economic stimulus plan, for instance, has directly targeted the primary market by including a sales tax credit on purchases of new cars and trucks. In this paper, we sh...

  1. Health Insurance without Single Crossing

    DEFF Research Database (Denmark)

    Boone, Jan; Schottmüller, Christoph

    2017-01-01

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

  2. Stroke while driving: Frequency and association with automobile accidents.

    Science.gov (United States)

    Inamasu, Joji; Nakatsukasa, Masashi; Tomiyasu, Kazuhiro; Mayanagi, Keita; Nishimoto, Masaaki; Oshima, Takeo; Yoshii, Masami; Miyatake, Satoru; Imai, Akira

    2017-01-01

    Background Cardiovascular events while driving have occasionally been reported. In contrast, there have been few studies on stroke while driving. Aim The objectives of this study were to (1) report the frequency of stroke while driving and (2) evaluate its association with automobile accidents. Methods Clinical data prospectively acquired between January 2011 and December 2016 on 2145 stroke patients (1301 with ischemic stroke, 585 with intracerebral hemorrhage, and 259 with subarachnoid hemorrhage) were reviewed to identify patients who sustained a stroke while driving. The ratio of driving to performing other activities was evaluated for each stroke type. Furthermore, the drivers' response to stroke was reviewed to understand how automobile accidents occurred. Results Among the 2145 patients, 85 (63 ischemic stroke, 20 intracerebral hemorrhage, and 2 subarachnoid hemorrhage) sustained a stroke while driving. The ratio of driving to performing other activities was significantly higher in ischemic stroke (4.8%) than in intracerebral hemorrhage (3.4%) or subarachnoid hemorrhage (0.8%). A majority of drivers either continued driving or pulled over to the roadside after suffering a stroke. However, 14 (16%) patients were involved in automobile accidents. In most patients, an altered mental status due to severe stroke was the presumed cause of the accident. Conclusion Stroke occurred while driving in 4.0% of all strokes and accidents occurred in 16% of these instances.

  3. Hybrid modeling and empirical analysis of automobile supply chain network

    Science.gov (United States)

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

    2017-05-01

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

  4. Measuring Quality in Automobile Aftersales: AutoSERVQUAL Scale

    Directory of Open Access Journals (Sweden)

    Yasin Galip Gencer

    2017-02-01

    Full Text Available It is becoming more important to accurately measure the level of quality in services and especially automobile related services such as after sales service. This study aims to generate a survey to measure the service quality in automobile aftersales services, eventually to be called AutoSERVQUAL. The roadmap for this survey generation process starts by examining the service quality measurement scales in literature first and then continues by the adaptation process of SERVQUAL over automobile aftersales customers. Each and every step in survey generation processes is explained starting from expert interviews and finally statistical analyses. Starting with 45 candidate questions, the study offers a 28 item scale that can measure service quality in after sales car services with high reliability. The scale can be extended to cover aftersales services in general for any type of product and also could be used as input to other models such as QFD and MADM. The scale should also be empirically tested in other countries with specific requirements for after sales services.

  5. Bifurcation analysis of an automobile model negotiating a curve

    Science.gov (United States)

    Della Rossa, Fabio; Mastinu, Giampiero; Piccardi, Carlo

    2012-10-01

    The paper deals with the bifurcation analysis of a rather simple model describing an automobile negotiating a curve. The mechanical model has two degrees of freedom and the related equations of motion contain the nonlinear tyre characteristics. Bifurcation analysis is adopted as the proper procedure for analysing steady-state cornering. Two independent parameters referring to running conditions, namely steering angle and speed, are varied. Ten different combinations of front and rear tyre characteristics (featuring understeer or oversteer automobiles) are considered for the bifurcation analysis. Many different dynamical behaviours of the model are obtained by slightly varying the parameters describing the tyre characteristics. Both simple and extremely complex bifurcations may occur. Homoclinic bifurcations, stable and unstable limit cycles (of considerable amplitude) are found, giving a sound and ultimate interpretation to some actual (rare but very dangerous) dynamic behaviours of automobiles, as reported by professional drivers. The presented results are cross-validated by exploiting handling diagram theory. The knowledge of the derived set of bifurcations is dramatically important to fully understand the actual vehicle yaw motions occurring while running on an even surface. Such a knowledge is a pre-requisite for robustly designing the chassis and for enhancing the active safety of vehicles.

  6. 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

  7. 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.

  8. Nuclear energy and insurance

    International Nuclear Information System (INIS)

    Ekener, H.

    1997-01-01

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

  9. 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.

  10. The Impact of Health Insurance Reform on Insurance Instability

    Science.gov (United States)

    Freund, KM; Isabelle, AP; Hanchate, A; Kalish, RL; Kapoor, A; Bak, S; Mishuris, RG; Shroff, S; Battaglia, TA

    2015-01-01

    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. PMID:24583490

  11. Life Insurance Contribution, Insurance Development and Economic Growth in China

    Directory of Open Access Journals (Sweden)

    Wang Ying

    2017-07-01

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

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

    International Nuclear Information System (INIS)

    Gan Lin

    2003-01-01

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

  13. Optimal social insurance with linear income taxation

    DEFF Research Database (Denmark)

    Bovenberg, Lans; Sørensen, Peter Birch

    2009-01-01

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

  14. 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...

  15. Evolution of the Automobile Industry in Asian Countries : Principally Focusing on Southeast Asia and India

    OpenAIRE

    Tomozawa, Kazuo

    2003-01-01

    Since the 1990s, new production trends have been evident in the Asian automobile industry. Japan constituted 85.5% of the total amount of the motor vehicles production in Asia in 1990, but that figure fell to 57.6% by 2000. In contrast, China and India have increased their vehicle production thanks to huge foreign direct investment into their automobile sector. Southeast Asian countries, especially Thailand, Malaysia and Indonesia, have also experienced a rapid growth of the automobile indust...

  16. Impact of Overhead Costs Apportionment on Selling Price Determination in Malaysian Automobile Manufacturing Industry

    OpenAIRE

    Dandago, Kabiru Isa; Zaidi, Zulaikha Rabitah; Amir, Aliana Shazma Amir Binti

    2016-01-01

    This study aims to examine the impact of overhead cost apportionment on selling price determination in the Malaysian automobile manufacturing industry. Specifically, the study looks at the treatment of overhead costs apportionment from the perspective of the profit making effort of automobile manufacturing firms. The methodology used is interview with staff of one automobile manufacturing company in Malaysia taken as a case study: that is Naza Automotive Manufacturing Sdn. Bhd. The findings o...

  17. 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, your...

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

    International Nuclear Information System (INIS)

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

    2005-01-01

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

  19. Health Insurance and Tax Policy

    OpenAIRE

    Karsten Jeske; Sagiri Kitao

    2006-01-01

    The U.S. tax policy on health insurance favors only those offered group insurance through their employers, and is highly regressive since the subsidy takes the form of deductions from the progressive income tax system. The paper investigates alternatives to the current policy. We find that a complete removal of the subsidy results in a significant reduction in the insurance coverage and serious welfare deterioration. There is, however, room for improving welfare and raising the coverage, by e...

  20. Consumers’ Collision Insurance Decisions

    DEFF Research Database (Denmark)

    Austin, Laurel; Fischhoff, Baruch

    Using interviews with 74 drivers, we elicit and analyse how people think about collision coverage and, more generally, about insurance decisions. We compare the judgments and behaviours of these decision makers to the predictions of a range of theoretical models: (a) A model developed by Lee (2007...... a cognitive model based on budgeting. Our findings emphasize the importance of budget constraints, which lead consumers to budget their income across consumption categories. We find also that a simple heuristic accounts for many collision coverage decisions: purchase coverage for cars worth more than some...

  1. The economics of health insurance.

    Science.gov (United States)

    Jha, Saurabh; Baker, Tom

    2012-12-01

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

  2. 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

  3. 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.

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

    Science.gov (United States)

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

    2015-01-01

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

  5. 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.

  6. High-temperature ceramics for automobile gas turbines

    Science.gov (United States)

    Walzer, P.

    1978-01-01

    The employment of the high operational temperatures makes it necessary to use, for the construction of the turbines, ceramic materials such as silicon nitride or silicon carbide. Investigations concerning the development of turbine components made of such materials are conducted by a German automobile manufacturer and the ceramics industry. The current status of these investigations is reviewed. Flame tubes and guide-vane rings have successfully passed tests lasting 20 hours. Prototype turbine wheels have withstood the effects of peripheral speeds of 450 m/s. They also showed resistance to thermal shocks which were as high as 6-0 K/s.

  7. The promise of fuel cell-based automobiles

    OpenAIRE

    Shukla, AK; Jackson, CL; Scott, K

    2003-01-01

    Fuel cell-based automobiles have gained attention in the last few years due to growing public concern about urban air pollution and consequent environmental problems. From an analysis of the power and energy requirements of a modern car, it is estimated that a base sustainable power of ca. 50 kW supplemented with short bursts up to 80 kW will suffice in most driving requirements. The energy demand depends greatly on driving characteristics but under normal usage is expected to be 200 Wh/km. T...

  8. Ensuring the quality of logistic service of automobile dealers

    Directory of Open Access Journals (Sweden)

    Tatyana A. Salimova

    2017-03-01

    Full Text Available Objective to substantiate the functional directions of activities of the enterprises of dealer chain of an automotive company aimed at ensuring the quality of logistics servicing of automobiles. Methods the study is based on the use of general scientific methods comparison scientific generalization logical analysis analogy and specific scientific methods systemic functional simulation. Results the article states that one of the key criteria of consumer behavior of car buyers is the availability of presales and aftersales service. The current research works in the sphere of logistics services are analyzed which refer to the approaches to its definition as well as selecting the criteria for its functional quality. It is established that the increase of interest in the activities of logistics centers of car service is due to several reasons such as the growing complexity of their construction and the increased competition in this area. The critical review of the scientific literature was conducted as well as the analysis of the scientific problem of determining the functional areas of logistics service of an automobile company with a view to ensuring quality and enhancing the satisfaction of end users of automobiles. The key areas of corporate logistics services were systematized and classified detailing for each of these areas was made. Different approaches were described to defining the range of services at different stages of the life cycle of technical means. Basing on the studied viewpoints four components of the functional activities of service centers were formulated presales service car sales aftersales maintenance and disposal of vehicles. Basing on these components a model of brand service of a car company was formed taking into account the functional characteristics of each component. Scientific novelty a functional model was developed of the system of service vehicles in a brand servicesales chain automotive company allowing to provide

  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. 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”.

  11. [Epidemiological features of automobile traumatism in Russia and abroad].

    Science.gov (United States)

    Iakunin, S A

    2007-01-01

    The article presents updated epidemiological information on specific features and causes of high automobile traumatism in Russia and abroad for the last 5 years. The number of road accidents and road accident fatalities now not only present a great social-medical problem in Russia but also a problem of national security as road accident mortality is far ahead of the developed countries and showed no trend to lowering. This threatening situation is caused by out-of-date transport infrastructure, social factors, old cars without modern safety systems, absence of special emergency medical care for road accident victims. The experience of foreign countries on reducing road traumatism is analysed.

  12. Etude du confort vibro-acoustique automobile en simulateur

    OpenAIRE

    Amari , Maël

    2009-01-01

    to be available soon....; L'intégration des facteurs humains dans la conception automobile est aujourd'hui un enjeu majeur de l'innovation. De par l'utilisation de plus en plus urbaine des véhicules, le confort de roulage à basse vitesse est au cœur des préoccupations industrielles. Dans cette situation, le confort dépend essentiellement de l'environnement vibro-acoustique de l'habitacle. Les évaluations de confort d'une telle situation constituent le cadre de ce travail de recherche. En comp...

  13. Wireless Monitoring of Automobile Tires for Intelligent Tires

    Directory of Open Access Journals (Sweden)

    Akira Todoroki

    2008-12-01

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

  14. 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.

  15. 7 CFR 1788.3 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 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 Borrower Insurance Requirements § 1788.3 Flood insurance. (a) Borrowers shall purchase and maintain flood insurance...

  16. 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.

  17. Health insurance education strategies for increasing the insured ...

    African Journals Online (AJOL)

    Introduction: The older population in most developing countries are uninsured and lack access to health services. This study assessed the extent to which a multi-strategy health insurance education intervention would increase the number of insured among the older population in rural Kenya. Methods: The ...

  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 contract...

  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 policies...

  20. 78 FR 13454 - Common Crop Insurance Regulations; Pecan Revenue Crop Insurance Provisions

    Science.gov (United States)

    2013-02-28

    ... 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: Final rule. SUMMARY: The Federal Crop Insurance Corporation (FCIC) finalizes the Common Crop Insurance Regulations...

  1. 78 FR 55171 - Common Crop Insurance Regulations; Processing Sweet Corn Crop Insurance Provisions

    Science.gov (United States)

    2013-09-10

    ...-0001] RIN 0563-AC37 Common Crop Insurance Regulations; Processing Sweet Corn Crop Insurance Provisions... Corporation (FCIC) finalizes the Common Crop Insurance Regulations, Processing Sweet Corn Crop Insurance... changes to the Common Crop Insurance Regulations (7 CFR part 457), Processing Sweet Corn Crop Insurance...

  2. Performance measurement and insurance liabilities

    NARCIS (Netherlands)

    Plantinga, A; Huijgen, C

    2001-01-01

    In this article, the authors develop an attribution framework for evaluating the investment performance of institutional investors such as insurance companies. The model is useful in identifying the investment skills of insurance companies. This is accomplished by developing a dual benchmark for the

  3. A RANGELAND GRASSHOPPER INSURANCE PROGRAM

    OpenAIRE

    Skold, Melvin D.; Davis, Robert M.

    1995-01-01

    The incidence of benefits and costs from controlling rangeland grasshoppers on public grazing lands poses problems of economic efficiency and distributional equity. Public grasshopper control programs operate like public disaster assistance. However, grasshopper infestations are an insurable risk. This article proposes a rangeland grasshopper insurance program which reduces the economic inefficiencies and distributional inequities of the existing program.

  4. 46 CFR Sec. 13 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... REPAIRS UNDER NATIONAL SHIPPING AUTHORITY MASTER LUMP SUM REPAIR CONTRACT-NSA-LUMPSUMREP Sec. 13 Insurance. Article 9 of the NSA-LUMPSUMREP Contract sets forth the Contractor's liabilities and obligations with... 46 Shipping 8 2010-10-01 2010-10-01 false Insurance. Sec. 13 Section 13 Shipping MARITIME...

  5. 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.

  6. Heat rejection efficiency research of new energy automobile radiators

    Science.gov (United States)

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

    2018-03-01

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

  7. 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.

  8. Canadians' access to insurance for prescription medicines

    National Research Council Canada - National Science Library

    2000-01-01

    ...-economic circumstances and drug needs. Volume two presents an analysis of the un-insured and under-insured by measuring the extent to which Canadians have access to insurance for prescription drug expenses and the quality of that coverage...

  9. 7 CFR 3019.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

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

  10. 29 CFR 95.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

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

  11. INSURANCE - A RISK COVERING STRATEGY

    Directory of Open Access Journals (Sweden)

    Marius Dan GAVRILETEA

    2014-12-01

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

  12. 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.

  13. 29 CFR 785.40 - When private automobile is used in travel away from home community.

    Science.gov (United States)

    2010-07-01

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

  14. Potential for Automobile Weight Reduction Outlook as of 1975-1976

    Science.gov (United States)

    1978-08-01

    A study has been carried out to evaluate the potential for weight reduction of automobiles. It is concluded that automobiles of lighter weight than those current (1976 models) in the domestic market may be built in each of three size classes, 4, 5, a...

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

    Science.gov (United States)

    Dade County Public Schools, Miami, FL.

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

  16. [Abortion using health insurance].

    Science.gov (United States)

    Gritschneder, O

    1984-09-01

    The author reports on current German court rulings on whether non-medically indicated abortions (although not prohibited by law and therefore not actionable) should be financed via the compulsory health insurance scheme or by the Federal Government. 1. The social welfare court at Dortmund ruled that current legislation governing the financing of welfare expenditure violates the Federal German constitution, and has, therefore, referred this matter to the Federal Constitutional Court. However, the Federal Constitutional Court turned down the referral and dismissed the case, since an application for declaring a Federal law null and void can be filed by the Federal Government or by a Federal Land Government or by at least one-third of the total number of members of the Federal German Parliament (Bundestag) only. This means that the current proceedings at the Dortmund social welfare court must continue. The plaintiff pleads to prohibit the compulsory health insurance scheme authorities from defraying the expenses for performing foeticide via legally permitted abortion without medical indication. 2. The Federal Land Government of Baden-Württemberg is the only Land Government of the Federal Republic of Germany that does not grant any financial aid towards performing non-medically indicated (albeit not legally actionable) abortions. Hence, the Baden-Württemberg Administrative Courts turned down the plea filed by a woman government servant towards paying such aid. The court decision was based on the judge's opinion that even the principle of equality before the law guaranteed by the Constitution would not compel the Land Government to emulate the example of the other Land Governments who are agreeable to bearing abortion costs.

  17. Imperfect Tests and Natural Insurance Monopolies

    OpenAIRE

    Emons, Winand

    1997-01-01

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

  18. Macroprudential Insurance Regulation: A Swiss Case Study

    Directory of Open Access Journals (Sweden)

    Philippe Deprez

    2016-12-01

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

  19. Macroprudential Insurance Regulation: A Swiss Case Study

    OpenAIRE

    Philippe Deprez; Mario V. Wüthrich

    2016-01-01

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

  20. 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.

  1. Aluminium and the automobile. Aluminium und Automobil. Vortraege eines internationalen Symposiums der Aluminium-Zentrale, Duesseldorf, 1980

    Energy Technology Data Exchange (ETDEWEB)

    1981-04-01

    The first symposium on 'Aluminium and the Automobile' took place in March 1976. The lectures of the latest symposium report on the time in between; with special regard to the extent and intensity with wich aluminium - whose advantages and desadvantages are known - was a subject of research and development work done by car producers and parts- and accessory producing industry. Producers of engine blocks, wheels brakes, sunroofs, window-glass mechanisms, heat exchangers, air-filters, drive shafts - just to mention a few described their success but also gave and account of so far unsolved problems. Aluminum and car producers from abroad gave valuable contributions as well. Good news is the technical progress which was clearly reflected in all the lectures. The automobile of the future needs to be further developed in order te fulfill the requirements of lower weight and energy saving cost reduction is equally important for the German and European car industry due to the increasingly hard competitive struggle. Contrary to previous predictions a sufficient supply of alluminium with be available in the years to come.

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

    International Nuclear Information System (INIS)

    Mills, Evan

    2003-01-01

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

  3. 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

  4. IDENTIFYING BEST PRACTICES IN INSURANCE

    Directory of Open Access Journals (Sweden)

    Răducu Marian PETRESCU

    2016-05-01

    Full Text Available This work aims to identify and develop best practices in the insurance field. We must mention from the beginning that best practices are not compulsory or mandatory rules of law, they cannot and do not want to be placed above the legal provisions in force, they only complement the law. Moreover, we intend to look into the implementation of the Solvency II Directive from the point of view of best practices in insurance. In this research, the main method of study was the theoretical qualitative research (especially document analysis, with the purpose to identify and theoretically develop the information on best practices in the insurance field. The main results of the research consist in the identification of general best practices in performing the activity (such as communication/consultation with the interested parties, the consistency as regards contractual/non-contractual relations, the effectiveness and efficiency, transparency and honesty, fair treatment of customers etc. which have been presented in short and which could be implemented by any company that seeks to achieve superior performances, including the insurance companies. The work also includes some important best practices, described in detail, in a sensitive area such as the insurance field (best practices in relation to the management of personal information, the management and settlement of disputes by insurance companies or intermediaries in the field of insurance etc..

  5. The insurance of climatic risks

    International Nuclear Information System (INIS)

    Pauthier, Alice

    2015-06-01

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

  6. 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 this...

  7. 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 samples...

  8. 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 Pounds...

  9. 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 possess...

  10. 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 § A115...

  11. CURRENT PRAGMATIC SITUATION OF INSURANCE BROKING IN LIFE INSURANCE IN UKRAINE

    OpenAIRE

    N. Tkachenko; O. Kryvytska

    2017-01-01

    The article investigates the practical aspects of the activity of insurance intermediaries in Ukraine. The structure and dynamics of insurance payments for life insurance in Ukraine as a whole, as well as in the context of residents and non-residents, are analyzed. The share of insurance intermediaries in the realization of life insurance services in Ukraine is revealed. The indexes of insurance intermediaries in the organization of life insurance in Ukraine for 2012-2016 are systematized. In...

  12. Preliminary research on virtual thermal comfort of automobile occupants

    Science.gov (United States)

    Horobet, Tiberiu; Danca, Paul; Nastase, Ilinca; Bode, Florin

    2018-02-01

    Numerical simulation of climate conditions in automotive industry for the study of thermal comfort had become more and more prominent in the last years compared with the classical approach which consists in wind tunnel measurements and field testing, the main advantages being the reduction of vehicle development time and costs. The study presented in this paper is a part of a project intended to evaluate different strategies of cabin ventilation for improving the thermal comfort inside vehicles. A virtual thermal manikin consisting of 24 parts was introduced on the driver seat in a vehicle. A heat load calculated for summer condition in the city of Cluj-Napoca, Romania was imposed as boundary condition. The purpose of this study was to elaborate a virtual thermal manikin suitable for our research, introduction of the manikin inside the vehicle and to examine his influence inside the automobile. The thermal comfort of the virtual manikin was evaluated in terms of temperature and air velocity.

  13. 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.

  14. 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.

  15. Simulation of absorption refrigeration system for automobile application

    Directory of Open Access Journals (Sweden)

    Ramanathan Anand

    2008-01-01

    Full Text Available An automotive air-conditioning system based on absorption refrigeration cycle has been simulated. This waste heat driven vapor absorption refrigeration system is one alternate to the currently used vapour compression refrigeration system for automotive air-conditioning. Performance analysis of vapor absorption refrigeration system has been done by developing a steady-state simulation model to find the limitation of the proposed system. The water-lithium bromide pair is used as a working mixture for its favorable thermodynamic and transport properties compared to the conventional refrigerants utilized in vapor compression refrigeration applications. The pump power required for the proposed vapor absorption refrigeration system was found lesser than the power required to operate the compressor used in the conventional vapor compression refrigeration system. A possible arrangement of the absorption system for automobile application is proposed.

  16. Les sections sanitaires automobiles féminines

    OpenAIRE

    Monsuez, Jean-Jacques

    2008-01-01

    Confronté à la pénurie d’ambulances et d’ambulanciers au début des années 1940, le ministère français de la Guerre a accepté l’offre de la Croix-Rouge française de lui fournir des personnels sanitaires particuliers attachés au transport des blessés militaires sur le champ de bataille. La mise en application de ces « Instructions » a crée les sections sanitaires automobiles féminines (SSA) ; unités officielles ayant un statut administratif, attaché au 19e train. Pour préparer les trois premièr...

  17. Modular Analysis of Automobile Exhaust Thermoelectric Power Generation System

    Science.gov (United States)

    Deng, Y. D.; Zhang, Y.; Su, C. Q.

    2015-06-01

    In this paper, an automobile exhaust thermoelectric power generation system is packaged into a model with its own operating principles. The inputs are the engine speed and power, and the output is the power generated by the system. The model is divided into two submodels. One is the inlet temperature submodel, and the other is the power generation submodel. An experimental data modeling method is adopted to construct the inlet temperature submodel, and a theoretical modeling method is adopted to construct the power generation submodel. After modeling, simulation is conducted under various engine operating conditions to determine the variation of the power generated by the system. Finally, the model is embedded into a Honda Insight vehicle model to explore the energy-saving effect of the system on the vehicle under Economic Commission for Europe and cyc-constant_60 driving cycles.

  18. Intergenerational preferences for radio loudness during automobile driving.

    Science.gov (United States)

    Hanser, Frederick Howard Bateman; Adjei Boakye, Eric; Mikulec, Anthony Alan

    2017-07-01

    The comparative contribution to human noise exposure from the vehicular radio is unknown, as are the radio volume preferences of different generations when driving an automobile. A single vehicle was used to measure radio listening level in decibels of three generations (age 16-17 years, age 32-50 years, and age 51-73 years) in various conditions, ranging from engine off with windows closed to 60 miles per hour (mph) with windows open. No differences in radio loudness based on the sex of the driver were found. Statistically significant differences were identified in preferred signal to noise ratio among multiple vehicular paradigms, with the youngest generation preferring the largest signal to noise ratio in conditions with low background noise. The youngest generation favored the largest signal to noise ratio (radio level above background noise), a preference which waned with increasing background noise. Copyright © 2017 Elsevier B.V. All rights reserved.

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

    Science.gov (United States)

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

    2002-01-01

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

  20. 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.

  1. Pulmonary Adverse Effects of Welding Fume in Automobile Assembly Welders

    Directory of Open Access Journals (Sweden)

    Seyed Akbar Sharifian

    2011-02-01

    Full Text Available Welding is one of the key components of numerous manufacturing industries, which has potential physical and chemical health hazards. Many components of welding fumes can potentially affect the lung function. This study investigates the effects of welding fumes on lung function and respiratory symptoms among welders of an automobile manufacturing plant in Iran. This historical cohort study assesses 43 male welders and 129 office workers by a questionnaire to record demographic data, smoking habits, work history and respiratory symptoms as well as lung function status by spirometry. The average pulmonary function values of welders were lower relative to controls with dose-effect relationship between work duration and pulmonary function impairment. The prevalence of chronic bronchitis was higher in welders than controls. Our findings suggest that welders are at risk for pulmonary disease.

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

    Directory of Open Access Journals (Sweden)

    KOYEJO OYEBOLA T.

    2011-10-01

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

  3. 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.

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

    Science.gov (United States)

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

    2014-12-01

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

  5. Insurance billing and coding.

    Science.gov (United States)

    Napier, Rebecca H; Bruelheide, Lori S; Demann, Eric T K; Haug, Richard H

    2008-07-01

    The purpose of this article is to highlight the importance of understanding various numeric and alpha-numeric codes for accurately billing dental and medically related services to private pay or third-party insurance carriers. In the United States, common dental terminology (CDT) codes are most commonly used by dentists to submit claims, whereas current procedural terminology (CPT) and International Classification of Diseases, Ninth Revision, Clinical Modification (ICD.9.CM) codes are more commonly used by physicians to bill for their services. The CPT and ICD.9.CM coding systems complement each other in that CPT codes provide the procedure and service information and ICD.9.CM codes provide the reason or rationale for a particular procedure or service. These codes are more commonly used for "medical necessity" determinations, and general dentists and specialists who routinely perform care, including trauma-related care, biopsies, and dental treatment as a result of or in anticipation of a cancer-related treatment, are likely to use these codes. Claim submissions for care provided can be completed electronically or by means of paper forms.

  6. Buying greenhouse insurance

    International Nuclear Information System (INIS)

    Manne, A.S.; Richels, R.G.

    1992-01-01

    A growing concern that the increasing accumulation of greenhouse gases will lead to undesirable changes in global climate has resulted in proposals, both in the United States and internationally, to set physical targets for reducing greenhouse gas emissions. But what will these proposals cost? This book outlines a way to think about greenhouse-effect decisions under uncertainty. It describes an insightful model for determining the economic costs of limiting CO 2 emissions produced by burning fossil fuels and provides a solid analytical base for rethinking public policy on the far-reaching issue of global warming. It presents region-by-region estimates of the costs that would underlie an international agreement. Using a computer model known as Global 2100, they analyze the economic impacts of limiting CO 2 emissions under alternative supply and conservation scenarios. The results clearly indicate that a reduction in emissions is not the sole policy response to potential climate change. Following a summary of the greenhouse effect, its likely causes, and possible consequences, this book takes up issues that concern the public at large. They provide an overview of Global 2100, look at how the U.S. energy sector is likely to evolve under business-as-usual conditions and under carbon constraints, and describe the concept of greenhouse insurance. They consider possible global agreements, including an estimate of benefits that might result from trading in an international market in emission rights. They conclude with a technical description directed toward modeling specialists

  7. HUD Insured Multifamily Properties (NGDA)

    Data.gov (United States)

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

  8. Nuclear insurance problems in Spain

    International Nuclear Information System (INIS)

    Gomez del Campo, Julian.

    1977-01-01

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

  9. Environmental insurance: research information support

    OpenAIRE

    Rykova Valentina V.

    2015-01-01

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

  10. 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...

  11. 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.

  12. 48 CFR 3052.228-70 - Insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 7 2010-10-01 2010-10-01 false Insurance. 3052.228-70... of Provisions and Clauses 3052.228-70 Insurance. As prescribed in (HSAR) 48 CFR 3028.310-70 and 3028... insurance. Insurance (DEC 2003) In accordance with the clause entitled “Insurance—Work on a Government...

  13. 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) Member...

  14. 24 CFR 203.443 - Insurance premium.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Insurance premium. 203.443 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Rehabilitation Loans § 203.443 Insurance...

  15. 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 this...

  16. 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 or...

  17. 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. (a...

  18. 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 insurance...

  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 to...

  20. 34 CFR 682.505 - Insurance premium.

    Science.gov (United States)

    2010-07-01

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

  1. Assessment of Levels of Ultraviolet A Light Protection in Automobile Windshields and Side Windows.

    Science.gov (United States)

    Boxer Wachler, Brian S

    2016-07-01

    Ultraviolet A (UV-A) light is associated with the risks of cataract and skin cancer. To assess the level of UV-A light protection in the front windshields and side windows of automobiles. In this cross-sectional study, 29 automobiles from 15 automobile manufacturers were analyzed. The outside ambient UV-A radiation, along with UV-A radiation behind the front windshield and behind the driver's side window of all automobiles, was measured. The years of the automobiles ranged from 1990 to 2014, with an average year of 2010. The automobile dealerships were located in Los Angeles, California. Amount of UV-A blockage from windshields and side windows. The average percentage of front-windshield UV-A blockage was 96% (range, 95%-98% [95% CI, 95.7%-96.3%]) and was higher than the average percentage of side-window blockage, which was 71% (range, 44%-96% [95% CI, 66.4%-75.6%]). The difference between these average percentages is 25% (95% CI, 21%-30% [P UV-A blockage (>90%) was found in 4 of 29 automobiles (13.8%). The level of front-windshield UV-A protection was consistently high among automobiles. The level of side-window UV-A protection was lower and highly variable. These results may in part explain the reported increased rates of cataract in left eyes and left-sided facial skin cancer. Automakers may wish to consider increasing the degree of UV-A protection in the side windows of automobiles.

  2. 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.

  3. VA Dental Insurance Program. Final rule.

    Science.gov (United States)

    2013-05-29

    The Department of Veterans Affairs (VA) amends its regulations to establish rules and procedures for the VA Dental Insurance Program (VADIP), a pilot program that offers premium-based dental insurance to enrolled veterans and certain survivors and dependents of veterans. Under the pilot program, VA will contract with a private insurer, through the Federal contracting process, to offer dental insurance to eligible individuals. The private insurer will be responsible for the administration of the dental insurance plan. VA will form the contract and verify the eligibility of individuals who apply for the private dental insurance.

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

    International Nuclear Information System (INIS)

    Kanamori, T.; Sukita, T.

    1995-01-01

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

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

    Science.gov (United States)

    Aili, Zhao; Long, Jiang

    2017-09-01

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

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

    DEFF Research Database (Denmark)

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

    1993-01-01

    We review the circularity between estimates of automobile use, fuel consumption and fuel intensity. We find that major gaps exist between estimates of road gasoline, the quantity most often used to represent automobile fuel use in economic studies of transport fuel use, and the actual sales data...... of OECD countries. We comment briefly on the impact of these gaps on econometric estimates of the price and income elasticities of automobile fuel use. We show that improper use of the circularity often leads to gross errors in estimating fuel intensity and other indicators of energy use for personal...

  7. 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.

  8. 78 FR 58264 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access

    Science.gov (United States)

    2013-09-23

    ... Insurance Information Access AGENCY: Department of Veterans Affairs. ACTION: Proposed rule. SUMMARY: The...-AO42 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance Information Access... operation, also has the right to full access to records held by the insurer or on behalf of the insurer from...

  9. 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 VGLI...

  10. 77 FR 3400 - Common Crop Insurance Regulations; Peach Crop Insurance Provisions

    Science.gov (United States)

    2012-01-24

    ... Insurance Corporation 7 CFR Part 457 [Docket No. FCIC-11-0011] RIN 0563-AC34 Common Crop Insurance Regulations; Peach Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Proposed rule. SUMMARY: The Federal Crop Insurance Corporation (FCIC) proposes to amend the Common Crop...

  11. CURRENT PRAGMATIC SITUATION OF INSURANCE BROKING IN LIFE INSURANCE IN UKRAINE

    Directory of Open Access Journals (Sweden)

    N. Tkachenko

    2017-09-01

    Full Text Available The article investigates the practical aspects of the activity of insurance intermediaries in Ukraine. The structure and dynamics of insurance payments for life insurance in Ukraine as a whole, as well as in the context of residents and non-residents, are analyzed. The share of insurance intermediaries in the realization of life insurance services in Ukraine is revealed. The indexes of insurance intermediaries in the organization of life insurance in Ukraine for 2012-2016 are systematized. In the article mention that insurance intermediaries stay in not active phase in their activity in life insurance sphere. The definition of the insurance intermediary is defined in broad and narrow terms. The purpose of the activity of insurance intermediaries is determined. Schematically shows the common and excellent in the activities of the key representatives of insurance mediation - insurance agents and insurance brokers. It is argued that insurance intermediaries have the opportunity to become key players in life insurance, since they are the ones who can reach potential insurers in the shortest possible time. It is also noted that the further development of life insurance will largely depend on the professionalism of the insurance intermediary. Noted the appropriate identification of a life insurance intermediary with a financial advisor.

  12. 75 FR 52218 - Common Crop Insurance Regulations; Apple Crop Insurance Provisions

    Science.gov (United States)

    2010-08-25

    ... their apple production to the public as fresh apples, without undergoing any change in its basic form... Crop Insurance Regulations; Apple Crop Insurance Provisions AGENCY: Federal Crop Insurance Corporation... Crop Insurance Regulations, Apple Crop Insurance Provisions. The intended effect of this action is to...

  13. 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.

  14. Forecasting Fire Insurance Loss Ratio in Misr Insurance Company

    Directory of Open Access Journals (Sweden)

    Tarek TAHA

    2017-06-01

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

  15. 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)

  16. Automobile driver on-road performance test. Volume 3, Examiner's manual

    Science.gov (United States)

    1981-09-30

    This report provides procedures for administering and scoring the Automobile Driver On-Road Performance Test (ADOPT). The ADOPT checks 21 separate driving performances. Performances are checked at pre-determined locations along a 10-minute route and ...

  17. Automobile driver on-road performance test. Volume 2, Administrator's manual

    Science.gov (United States)

    1981-09-30

    This report provides procedures for setting up, administering, and scoring the Automobile Driver On-Road Performance Test (ADOPT). The ADOPT checks 21 separate driving performances. Performances are checked at pre-determined locations along a 10-minu...

  18. Increased automobile fuel efficiency and synthetic fuels: alternatives for reducing oil imports

    Science.gov (United States)

    1982-09-01

    This report assesses and compares increased automobile fuel efficiency and : synthetic fuels production with respect to their potential to reduce : conventional oil consumption, and their costs and impacts. Conservation and : fuel switching as a mean...

  19. 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...

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

    Directory of Open Access Journals (Sweden)

    Anastasiya A. Kurilova

    2016-01-01

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

  1. Computer-Based Resource Accounting Model for Automobile Technology Impact Assessment

    Science.gov (United States)

    1976-10-01

    A computer-implemented resource accounting model has been developed for assessing resource impacts of future automobile technology options. The resources tracked are materials, energy, capital, and labor. The model has been used in support of the Int...

  2. A bivariate model for analyzing recurrent multi-type automobile failures

    Science.gov (United States)

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

    2017-09-01

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

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

    OpenAIRE

    Kunal Banerji; Rakesh B Sambharya

    1996-01-01

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

  4. Product Quality Selection and Firm Survival. Evidence from the British Automobile Industry, 1895-1970.

    OpenAIRE

    Yuanyuan Peng

    2006-01-01

    This paper proposes an additional determininant of firm survival. Based on a detailed examination of firm survival in the British automobile industry between 1895 and 1970, we conclude that firm’s selection of submarket-defined by quality level-influenced survival. In contrast to findings for the US automobile industry, there is no evidence of first-mover advantage in the market as a whole. However, we do find evidence of first-mover advantage after conditioning on submarket choice.

  5. Optimizing Diamond Structured Automobile Supply Chain Network Towards a Robust Business Continuity Management

    OpenAIRE

    Abednico Montshiwa

    2016-01-01

    This paper presents an optimized diamond structured automobile supply chain network towards a robust Business Continuity Management model. The model is necessitated by the nature of the automobile supply chain. Companies in tier two are centralized and numerically limited and have to supply multiple tier one companies with goods and services. The challenge with this supply chain structure is the inherent risks in the supply chain. Once supply chain disruption takes place at tier 2 level, the ...

  6. Evaluating the Welfare of Index Insurance

    DEFF Research Database (Denmark)

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

    risks that are different from preferences exhibited for their actuarially-equivalent counterparts. We study the potential link between index insurance demand and attitudes towards compound risks. We test the hypothesis that the compound risk nature of index insurance induced by basis risk negatively...... measurement and the actual losses of the insured. It is not easy to predict the direction in which basis risk is going to affect insurance demand, in contrast to the clear and strong predictions for standard indemnity insurance products. Index insurance can be theoretically conceptualized as a situation...... affects both the demand for the product and the welfare of individuals making take-up decisions. We study the impact of basis risk on insurance take-up and on expected welfare in a laboratory experiment with an insurance frame. We measure the expected welfare of index insurance to individuals while...

  7. 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. © The Author(s) 2014.

  8. KEY FACTORS INFLUENCING PURCHASE INTENTIONS TOWARDS AUTOMOBILES IN PAKISTAN

    Directory of Open Access Journals (Sweden)

    SYED NAVEED ALTAF

    2016-04-01

    Full Text Available In this paper the authors identify and investigate the key factors which influence intentions to purchase passenger cars among consumers in Pakistan. A questionnaire was developed to check the significance of these key variables identified from previous studies, especially those conducted in the context of automobile purchasing in Asian countries. Faculty members from universities of two major cities in Pakistan were selected at random as respondents for this study. The findings of the study will be useful to both managers in the auto industry as well as policy makers. It will help managers in the auto industry to gain a better understanding of consumer intentions and identify the factors which influence them. Policy makers in Pakistan’s auto sector would benefit from the insights of this study when developing the long overdue Auto Policy. Analysis of the data collected has revealed that the three key factors identified from studies in other Asian countries are also relevant for Pakistani auto consumers.

  9. Time Resolved FTIR Analysis of Tailpipe Exhaust for Several Automobiles

    Science.gov (United States)

    White, Allen R.; Allen, James; Devasher, Rebecca B.

    2011-06-01

    The automotive catalytic converter reduces or eliminates the emission of various chemical species (e.g. CO, hydrocarbons, etc.) that are the products of combustion from automobile exhaust. However, these units are only effective once they have reached operating temperature. The design and placement of catalytic converters has changed in order to reduce both the quantity of emissions and the time that is required for the converter to be effective. In order to compare the effectiveness of catalytic converters, time-resolved measurements were performed on several vehicles, including a 2010 Toyota Prius, a 2010 Honda Fit, a 1994 Honda Civic, and a 1967 Oldsmobile 442 (which is not equipped with a catalytic converter but is used as a baseline). The newer vehicles demonstrate bot a reduced overall level of CO and hydrocarbon emissions but are also effective more quickly than older units. The time-resolved emissions will be discussed along with the impact of catalytic converter design and location on the measured emissions.

  10. Study of hydrogen-powered versus battery-powered automobiles

    Energy Technology Data Exchange (ETDEWEB)

    Donnelly, J.J. Jr.; Greayer, W.C.; Nichols, R.J.; Escher, W.J.D.

    1979-05-01

    A study conducted to compare the technological status and the resultant potential vehicle characteristics for hydrogen- and battery-powered automobiles that could be produced from 1985 to 2000 is documented in 3 volumes. The primary objectives of the study were: the assessments of applicable energy storage and propulsion technology for the two basic vehicle types (applied to four-passenger cars); a rigorous comparison of vehicle weight, size, and usefulness versus design range; and an investigation of the relative efficiencies of expending energy from various primary sources to power the subject vehicle. Another important objective, unique to hydrogen powered vehicles, was the assessment of the technology, logistics, and cost implications of a hydrogen production and delivery capability. This volume, Volume III, contains three major sections: the assessment of battery electric vehicle technology for energy storage and the drivetrain system; the technical and economic comparison of hydrogen- and battery-powered vehicles derived primarily from data in the previous vehicle technology assessments, with consideration of alternative energy sources; and a series of appendices that support the vehicle definitions and comparisons.

  11. PCS optical fibers for an automobile data bus

    Science.gov (United States)

    Clarkin, James P.; Timmerman, Richard J.; Stolte, Gary W.; Klein, Karl-Friedrich

    2005-02-01

    Optical fibers have been used for data communications in automobiles for several years. The fiber of choice thus far has been a plastic core/plastic clad optical fiber (POF) consisting of the plastic polymethylmethacrylate (PMMA). The POF fiber provides a low cost fiber with relatively easy termination. However, increasing demands regarding temperature performance, transmission losses and bandwidth have pushed the current limits of the POF fiber, and the automotive industry is now moving towards an optical fiber with a silica glass core/plastic clad (PCS). PCS optical fibers have been used successfully in industrial, medical, sensor, military and data communications systems for over two decades. The PCS fiber is now being adapted specifically for automotive use. In the following, the design criteria and design alternatives for the PCS as well as optical, thermal, and mechanical testing results for key automotive parameters are described. The fiber design tested was 200&mum synthetic silica core/230&mum fluoropolymer cladding/1510&mum nylon buffer. Key attributes such as 700 - 900 nm spectral attenuation, 125°C thermal soak, -40 to 125°C thermal cycling, bending losses, mechanical strength, termination capability, and cost are discussed and compared. Overall, a specifically designed PCS fiber is expected to be acceptable for the use in an automotive data bus, and will show improvement in optical transmission, temperature range and bandwidth. However, the final selection of buffer and jacket materials and properties will be most dependent on the selection of a reliable and economical termination method.

  12. On the baseline evolution of automobile fuel economy in Europe

    International Nuclear Information System (INIS)

    Zachariadis, Theodoros

    2006-01-01

    'Business as usual' scenarios in long-term energy forecasts are crucial for scenario-based policy analyses. This article focuses on fuel economy of passenger cars and light trucks, a long-disputed issue with serious implications for worldwide energy use and CO 2 emissions. The current status in Europe is explained and future developments are analysed with the aid of historical data of the last three decades from the United States and Europe. As a result of this analysis, fuel economy values are proposed for use as assumptions in baseline energy/transport scenarios in the 15 'old' European Union Member States. Proposed values are given for new gasoline and diesel cars and for the years 2010, 2020 and 2030. The increasing discrepancy between vehicle fuel consumption measured under test conditions and that in the real world is also considered. One main conclusion is that the European Commission's voluntary agreement with the automobile industry should not be assumed to fully achieve its target under baseline conditions, nor should it be regarded as a major stimulus for autonomous vehicle efficiency improvements after 2010. A second conclusion is that three very recent studies enjoying authority across the EU tend to be overly optimistic as regards the technical progress for conventional and alternative vehicle propulsion technologies under 'business as usual' conditions

  13. Design and analysis of automobile components using industrial procedures

    Science.gov (United States)

    Kedar, B.; Ashok, B.; Rastogi, Nisha; Shetty, Siddhanth

    2017-11-01

    Today’s automobiles depend upon mechanical systems that are crucial for aiding in the movement and safety features of the vehicle. Various safety systems such as Antilock Braking System (ABS) and passenger restraint systems have been developed to ensure that in the event of a collision be it head on or any other type, the safety of the passenger is ensured. On the other side, manufacturers also want their customers to have a good experience while driving and thus aim to improve the handling and the drivability of the vehicle. Electronics systems such as Cruise Control and active suspension systems are designed to ensure passenger comfort. Finally, to ensure optimum and safe driving the various components of a vehicle must be manufactured using the latest state of the art processes and must be tested and inspected with utmost care so that any defective component can be prevented from being sent out right at the beginning of the supply chain. Therefore, processes which can improve the lifetime of their respective components are in high demand and much research and development is done on these processes. With a solid base research conducted, these processes can be used in a much more versatile manner for different components, made up of different materials and under different input conditions. This will help increase the profitability of the process and also upgrade its value to the industry.

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

    Science.gov (United States)

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

    2015-10-01

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

  15. Studies on Automobile Clutch Release Bearing Characteristics with Acoustic Emission

    Science.gov (United States)

    Chen, Guoliang; Chen, Xiaoyang

    Automobile clutch release bearings are important automotive driveline components. For the clutch release bearing, early fatigue failure diagnosis is significant, but the early fatigue failure response signal is not obvious, because failure signals are susceptible to noise on the transmission path and to working environment factors such as interference. With an improvement in vehicle design, clutch release bearing fatigue life indicators have increasingly become an important requirement. Contact fatigue is the main failure mode of release rolling bearing components. Acoustic emission techniques in contact fatigue failure detection have unique advantages, which include highly sensitive nondestructive testing methods. In the acoustic emission technique to detect a bearing, signals are collected from multiple sensors. Each signal contains partial fault information, and there is overlap between the signals' fault information. Therefore, the sensor signals receive simultaneous source information integration is complete fragment rolling bearing fault acoustic emission signal, which is the key issue of accurate fault diagnosis. Release bearing comprises the following components: the outer ring, inner ring, rolling ball, cage. When a failure occurs (such as cracking, pitting), the other components will impact damaged point to produce acoustic emission signal. Release bearings mainly emit an acoustic emission waveform with a Rayleigh wave propagation. Elastic waves emitted from the sound source, and it is through the part surface bearing scattering. Dynamic simulation of rolling bearing failure will contribute to a more in-depth understanding of the characteristics of rolling bearing failure, because monitoring and fault diagnosis of rolling bearings provide a theoretical basis and foundation.

  16. Study of lead pollution from automobile emissions in Khartoum

    International Nuclear Information System (INIS)

    Ibrahim, A.S.

    2002-07-01

    Aerosol and soil samples were collected from places near the main roads in Khartoum area. The samples were analyzed by energy Dispersive x-ray fluorescence (EDXRF) technique, to study the lead (Pb) concentration in air and soil near roadsides due to automobile emissions. The aim of the study was also to make a comparison with the results of previous measurements made in the same field (Ahmed, 1983) . Thee aerosol samples were taken from three sites in Khartoum area. Tuti island taken as a control area, central Khartoum as a commercial area and south of Khartoum as a residential area. Soil samples were taken from a place near Al Gurashi Park and another near Abu Hamama traffic junction in Khartoum area. The data obtained of (Pb) concentrations in the roadside air were statistically analyzed. Comparisons were made between the concentrations at the various times of the day and correlation were made with meteorological parameters. The (Pb) concentrations in the roadside soil were observed to be inversely proportional to the distance from the road and the depth from the layer of the earth. Finally, the results obtained are discussed and some recommendations are suggested. (Author)

  17. MEDICAL MALPRACTICE. THE MALPRACTICE INSURANCE

    Directory of Open Access Journals (Sweden)

    Ruxandra-Cristina DUȚESCU

    2017-05-01

    Full Text Available Increasingly, complaints about medical malpractice ocure extreme situations such as the death of the person or the occurrence of irreparable injuries. Professional misconduct in the exercise of the medical or medical-pharmaceutical act generating harm to the patient implies the civil liability of medical personnel and the provider of medical, sanitary and pharmaceutical products and services. Law no. 95/2006 on the health reform stipulates the obligation of the medical staff to conclude a malpractice insurance for the cases of professional civil liability for the damages created by the medical act, the indemnities being the responsibility of the insurer, within the limits of the liability established by the insurance policy.

  18. 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...

  19. Environmental compatibility of automobiles - instruments for the BMW product development process; Automobil-Umweltvertraeglichkeit - neue Instrumente im BMW-Produktentwicklungsprozess

    Energy Technology Data Exchange (ETDEWEB)

    Franze, H.A.; Neumann, U.; Vornberger, K.; Hoock, R.; Hemberger, R.

    1995-09-01

    The environmental impact of the automobile and its components is of growing importance not only in public debates but also in the complex decision making process regarding future car concepts. To calculate the environmental compatibility of car components BMW had developed various quantifying instruments and a holistic Life-Cycle Analysis (LCA) approach. The development phase significantly affects the entire life-cycle of a product. Suitable design criteria, recycling requirements and in-house standards have therefore been developed and established. They enable the designer to handle the more and more complex conflicts of technical, economic and ecological objectives during the development process with special view to the customer, i.e. the market. (orig.) [Deutsch] Zur nachhaltigen Verbesserung der Umweltvertraeglichkeit von Automobilen und Bauteilen hat BMW quantitative Instrumente entwickelt: Den `Anforderungskatalog Gesamtfahrzeug`, die BMW-Recycling-Norm, die Demontageanalyse von Automobilen und die lebenszyklusbezogene Bauteil-Bilanzierung. Sie sollen es dem Konstrukteur in der Entwicklungsphase praxisgerecht ermoeglichen, verschiedene Bauteilvarianten oekologisch zu bewerten. Nur so koennen die weiter zunehmenden komplexen Zielkonflike in der Automobilentwicklung, die sowohl technisch-wirtschaftlicher als auch oekonomisch-oekologischer und teilweise gesellschaftspolitischer Natur sind, in Zukunft beherrscht und damit den Markt- und Kundenanforderungen gerecht werden. (orig.)

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

    Directory of Open Access Journals (Sweden)

    A. I. Bobrovnik

    2014-01-01

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

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

    Science.gov (United States)

    Salim, Anas Mustafa Ahmed; Hamed, Fatima Hashim Mahmoud

    2018-01-01

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

  2. 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...

  3. 22 CFR 518.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... property owned by the recipient. Federally-owned property need not be insured unless required by the terms... Requirements Property Standards § 518.31 Insurance coverage. Recipients shall, at a minimum, provide the...

  4. 34 CFR 74.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

    ... by the recipient. Federally-owned property need not be insured unless required by the terms and... Property Standards § 74.31 Insurance coverage. Recipients shall, at a minimum, provide the equivalent...

  5. 49 CFR 19.31 - Insurance coverage.

    Science.gov (United States)

    2010-10-01

    ... property owned by the recipient. Federally-owned property need not be insured unless required by the terms... Requirements Property Standards § 19.31 Insurance coverage. Recipients shall, at a minimum, provide the...

  6. 10 CFR 600.131 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

    ... provided to property owned by the recipient. Federally-owned property need not be insured unless required... Nonprofit Organizations Post-Award Requirements § 600.131 Insurance coverage. Recipients shall, at a minimum...

  7. 20 CFR 435.31 - Insurance coverage.

    Science.gov (United States)

    2010-04-01

    ... funds as provided to property owned by the recipient. Federally-owned property need not be insured... ORGANIZATIONS Post-Award Requirements Property Standards § 435.31 Insurance coverage. Recipients must, at a...

  8. Healthcare.gov Insurance Finder Tool

    Data.gov (United States)

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

  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. 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...

  11. The Nuclear Insurance Pools: Operations and Covers

    International Nuclear Information System (INIS)

    Tetley, M.

    2008-01-01

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

  12. Recalls and unemployment insurance taxes

    Czech Academy of Sciences Publication Activity Database

    Jurajda, Štěpán

    2004-01-01

    Roč. 11, č. 10 (2004), s. 651-656 ISSN 1350-4851 Institutional research plan: CEZ:AV0Z7085904 Keywords : recalls * unemployment insurance taxes Subject RIV: AH - Economics Impact factor: 0.135, year: 2004 http://search. ebscohost .com/login.aspx?direct=true&db=bth&AN=14132347&site=ehost-live

  13. Hypothetical Insurance and Higher Education

    Science.gov (United States)

    Colburn, Ben; Lazenby, Hugh

    2016-01-01

    What level of government subsidy of higher education is justified, in what form, and for what reasons? We answer these questions by applying the hypothetical insurance approach, originally developed by Ronald Dworkin in his work on distributive justice. On this approach, when asking how to fund and deliver public services in a particular domain,…

  14. INSURANCE REQUIREMENTS ANDPRACTICES OF ETHIOPIA'S ...

    African Journals Online (AJOL)

    investment. Construction work by nature is hazardous, and accidents are. JournalofEAEA, VoL 17,2000 frequent and often severe. The annual toll of deaths, ..... advisable to establish specialist insurance consulting . firms, who could handle all types of construction demands: such as structural and architectural designs,.

  15. INSURANCE REQUIREMENTS ANDPRACTICES OF ETHIOPIA'S ...

    African Journals Online (AJOL)

    It is understood that construction projects usually have in force several simultaneous contractual ... business witlloct suficient cover of insurance. The aim of this paper is, therefore, to discuss the needs and .... D: Risks associated with the Technical aspects of the project. E: Risks associated with Acts of Man. F: Design risks.

  16. Insurance and the nuclear energy

    International Nuclear Information System (INIS)

    Costa, M.P.R. da.

    1981-01-01

    The insurance is presented as a way to offer the guarantees to the reparing of the nuclear energy damages, enphasizing the adoption of the associations and pools system in Brazil, since the coverings envolved are very high. (A.L.) [pt

  17. How consumers choose health insurance.

    Science.gov (United States)

    Chakraborty, G; Ettenson, R; Gaeth, G

    1994-01-01

    The authors used choice-based conjoint analysis to model consumers' decision processes when evaluating and selecting health insurance in a multiplan environment. Results indicate that consumer choice is affected by as many as 19 attributes, some of which have received little attention in previous studies. Moreover, the importance of the attributes varies across different demographic segments, giving marketers several targeting opportunities.

  18. Monopoly Insurance and Endogenous Information

    DEFF Research Database (Denmark)

    Lagerlöf, Johan N. M.; Schottmüller, Christoph

    2018-01-01

    We study a monopoly insurance model with endogenous information acquisi- tion. Through a continuous effort choice, consumers can determine the precision of a privately observed signal that is informative about their accident risk. The equilibrium effort is, depending on parameter values, either...

  19. Automobile Accidents Attended by Mobile Emergency Care Service

    Directory of Open Access Journals (Sweden)

    Ana Virgínia Gomes Barros

    2017-05-01

    Full Text Available Background: Automobile accidents are increasing every day and are becoming a serious public health problem due to the high morbidity and mortality rate. The goal of the current study was to characterise the traffic accidents attended by the Mobile Emergency Care Service (MECS in Ibiara, PB. Methods: This exploratory, descriptive, documentary study adopted a quantitative approach and analysis of data. The population consisted of all victims of traffic accidents attended by MECS in the city of Ibiara, PB, from June 2015 to June 2016. The following variables were studied: age, gender, time and day of the week the accident occurred, nature of the incident, substance ingested by the victim, wearing personal protective equipment (PPE or not, the anatomical lesions on the victim and the body regions hit during the accident. Results: The sample consisted of 49 accident victims, and the majority (81.6% were male, predominately 30 to 59 years. Events occurring at night (63.3% and during the week (65.3% predominated. The most frequent type of accident was motorcycle fall (71.4%, with almost half having consumed alcohol (46.9% and most not wearing PPE (77.6%. The regions of the body most affected were the lower limbs (67.3% and upper limbs (53.1%. Conclusion: The main factor/cause of these accidents was due to imprudence and violation of traffic laws, highlighting the need to invest in traffic education policies, to direct campaigns for the prevention of traffic accidents, as well as expand the surveillance of traffic laws by authorities.

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

    Energy Technology Data Exchange (ETDEWEB)

    Cummings-Saxton, J.

    1981-10-01

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

  1. Pressure pain thresholds and musculoskeletal morbidity in automobile manufacturing workers.

    Science.gov (United States)

    Gold, Judith E; Punnett, Laura; Katz, Jeffrey N

    2006-02-01

    Reduced pressure pain thresholds (PPTs) have been reported in occupational groups with symptoms of upper extremity musculoskeletal disorders (UEMSDs). The purpose of this study was to determine whether automobile manufacturing workers (n=460) with signs and symptoms of UEMSDs had reduced PPTs (greater sensitivity to pain through pressure applied to the skin) when compared with unaffected members of the cohort, which served as the reference group. The association of PPTs with symptom severity and localization of PE findings was investigated, as was the hypothesis that reduced thresholds would be found on the affected side in those with unilateral physical examination (PE) findings. PPTs were measured during the workday at 12 upper extremity sites. A PE for signs of UEMSDs and symptom questionnaire was administered. After comparison of potential covariates using t tests, linear regression multivariable models were constructed with the average of 12 sites (avgPPT) as the outcome. Subjects with PE findings and/or symptoms had a statistically significant lower avgPPT than non-cases. AvgPPT was reduced in those with more widespread PE findings and in those with greater symptom severity (test for trend, P

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

    Science.gov (United States)

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

    2013-10-01

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

  3. Risk aversion influence on insurance market

    OpenAIRE

    Raduna, Daniela Viviana; Roman, Mihai Daniel

    2011-01-01

    Human behavior, rational or irrational one, influences one of the most complex markets worldwide: the insurance market. In most situations, insurance markets are not competitive and risk neutral insurers negotiate under asymmetric information with actors who exhibit risk aversion. In this paper we develop a game theory model that analyzes the negotiation of an insurance contract under risk aversion conditions (in static and dynamic approach). Risk aversion influence was introduced in the mode...

  4. 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.

  5. 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 105...

  6. 78 FR 22411 - Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions; Correction

    Science.gov (United States)

    2013-04-16

    ... / Tuesday, April 16, 2013 / Rules and Regulations#0;#0; ] DEPARTMENT OF AGRICULTURE Federal Crop Insurance Corporation 7 CFR Part 457 RIN 0563-AC39 Common Crop Insurance Regulations; Florida Citrus Fruit Crop Insurance Provisions; Correction AGENCY: Federal Crop Insurance Corporation, USDA. ACTION: Final rule...

  7. 77 FR 60304 - Servicemembers' Group Life Insurance and Veterans' Group Life Insurance-Slayer's Rule Exclusion

    Science.gov (United States)

    2012-10-03

    ... adoption, or marriage. (3) The Servicemembers' Group Life Insurance or Veterans' Group Life Insurance... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 9 RIN 2900-AN40 Servicemembers' Group Life Insurance and Veterans' Group Life Insurance--Slayer's Rule Exclusion AGENCY: Department of Veterans Affairs...

  8. 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) No...

  9. 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 minor...

  10. 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. ...

  11. 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 equipment...

  12. 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 self...

  13. 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 equipment...

  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 instructions...

  15. 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 property...

  16. 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 from...

  17. 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 the...

  18. 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…

  19. 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 equipment...

  20. 48 CFR 47.102 - Transportation insurance.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Transportation insurance... MANAGEMENT TRANSPORTATION General 47.102 Transportation insurance. (a) The Government generally (1) retains... carriers and (2) does not buy insurance coverage for its property in the possession of commercial carriers...

  1. 29 CFR 18.411 - Liability insurance.

    Science.gov (United States)

    2010-07-01

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

  2. 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), and...

  3. 7 CFR 3550.61 - Insurance.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Insurance. 3550.61 Section 3550.61 Agriculture... DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 502 Origination § 3550.61 Insurance. (a) Borrower... furnish and continually maintain hazard insurance on the security property, with companies, in amounts...

  4. 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 in...

  5. 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 equipment...

  6. 12 CFR 741.216 - Flood insurance.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Flood insurance. 741.216 Section 741.216 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS REQUIREMENTS FOR... Also Apply to Federally Insured State-Chartered Credit Unions § 741.216 Flood insurance. Any credit...

  7. Private health insurance: implications for developing countries.

    Science.gov (United States)

    Sekhri, Neelam; Savedoff, William

    2005-02-01

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

  8. Productivity Measurement for a Health Insurer

    OpenAIRE

    Carol A. Sakosky; S. Travis Pritchett

    1987-01-01

    The nature of productivity measurement and problems specific to measuring insurance productivity are discussed. A specific measure--based on microeconomic principles, a multiproduct output concept, and readily available firm-level data--is developed. The measure should be applicable to the operations of any health insurer and is designed for use by health insurers interested in productivity measurement.

  9. 2 CFR 215.31 - Insurance coverage.

    Science.gov (United States)

    2010-01-01

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

  10. 36 CFR 1210.31 - Insurance coverage.

    Science.gov (United States)

    2010-07-01

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

  11. 20 CFR 617.58 - Unemployment insurance.

    Science.gov (United States)

    2010-04-01

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

  12. 7 CFR 400.652 - Insurance availability.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Insurance availability. 400.652 Section 400.652 Agriculture Regulations of the Department of Agriculture (Continued) FEDERAL CROP INSURANCE CORPORATION... Implementation § 400.652 Insurance availability. (a) If sufficient actuarial data are available, FCIC will offer...

  13. On a Stochastic Model in Insurance

    Indian Academy of Sciences (India)

    2. Life insurance/pension insurance models are gen- erally described in terms of continuous time Markov processes with state space having only a finite number of elements; at least one state is absorbing, and cer- tain transitions may be disallowed. For example, in the simplest life insurance model there are only two states,.

  14. 19 CFR 351.520 - Export insurance.

    Science.gov (United States)

    2010-04-01

    ... 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 to... investigation or review. (b) Time of receipt of benefit. In the case of export insurance, the Secretary normally...

  15. Specific aspects of insurance of nuclear risks

    International Nuclear Information System (INIS)

    Angelici, C.

    1980-03-01

    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) [fr

  16. general practitioners and national health insurance

    African Journals Online (AJOL)

    establishment of some form of national health insurance ( !HI) or social health insurance (SHl) system has .... analysis was done using relative risk (prevalence ratios), with confidence intervals and chi-squared tests. ..... health insurance systems. Some of these are likely to change with the passage of the Medical Schemes.

  17. Insurance considerations associated with radiation processing

    International Nuclear Information System (INIS)

    Boylan, F.X.

    1979-01-01

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

  18. 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)....

  19. On a Stochastic Model in Insurance

    Indian Academy of Sciences (India)

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

  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.

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

    Directory of Open Access Journals (Sweden)

    Abass, OlufemiAdebowale

    2016-11-01

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

  2. ASSESSMENT OF THE FINANCIAL STABILITY OF THE INSURANCE COMPANY

    Directory of Open Access Journals (Sweden)

    D. I. Ramazanova

    2015-01-01

    Full Text Available This article considers the assessment of financial stability and solvency of the insurance company, which plays an important role in the selection of the insurer potential insurers, which guarantee payment of insurance compensation when the insured event. The author's approach to assessing the financial stability of the insurance company. Investigated the order analysis of financial stability of the insurance company. Based on the proposed method calculated the indicators of financial stability of the insurance company Rosgosstrakh Ltd.

  3. Factoring affecting the Demand for Health Insurance in a Micro Insurance Scheme

    OpenAIRE

    Jain Nishant; Bhat Ramesh

    2006-01-01

    Health insurance schemes are increasingly recognised as preferable mechanisms to finance health care provision. In this direction micro health insurance schemes and community based health insurance schemes are assuming significant importance in reaching large number of people. However, at the community level despite low premiums the penetration of health insurance is small. The objective of this paper is to analyse factors determining the demand for private health insurance in a micro insuran...

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

    Science.gov (United States)

    Qu, Wei; Qu, Zhou

    2009-07-01

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

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

    Science.gov (United States)

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

    2008-09-12

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

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

    Science.gov (United States)

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

    2014-04-01

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

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

    Directory of Open Access Journals (Sweden)

    B. Kareem

    2015-04-01

    Full Text Available 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 automobiles namely private, commercial cars and buses were evaluated. The results obtained show that private cars had lowest failure rate at the initial stage while commercial buses had the highest failure rate. At later periods all categories of automobile crankshafts considered had their failure rates converged steadily with stable reliability. Application of 6-sigma continuous improvement tool to the process indicated a further reliability improvement through improved oil lubrication system, especially in the thrust bearing. This showed that increased enlightenment campaign among the various stakeholders in automobile industries will improve on the choice of reliable mechanical crankshafts.

  8. Recent developments in health insurance, life insurance, and disability insurance case law.

    Science.gov (United States)

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

    2008-01-01

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

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

    Science.gov (United States)

    Saskatchewan Consumer and Commercial Affairs, Regina.

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

  10. Consumer choice of social health insurance in managed competition

    NARCIS (Netherlands)

    Kerssens, Jan J.; Groenewegen, Peter P.

    2003-01-01

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

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

    NARCIS (Netherlands)

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

    2003-01-01

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

  12. Investigation of Probable Pollution from Automobile Exhaust Gases in Kampala City, Uganda : To Assess the current automobile exhaust gas emission levels and characterize the emissions from different automobile types

    OpenAIRE

    Bateebe, Irene

    2011-01-01

    It is estimated that transport sources in developing countries contribute about 4% of the global fossil carbon dioxide versus 18% by industrialized countries. The cost of urban air pollution is estimated to be 2% of GDP in developed countries and more than 5% in developing countries. With an annual vehicle registration growth of over 30% in 2008 and a population growth rate of 6%, the number of automobiles in Kampala city of Uganda is expected to continue growing exponentially. Most of the ve...

  13. The Role of Nuclear Insurance Pools

    International Nuclear Information System (INIS)

    Reitsma, S. M. S.

    2006-01-01

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

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

    Science.gov (United States)

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

    2000-10-01

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

  15. A Life-Cycle Comparison of Alternative Automobile Fuels.

    Science.gov (United States)

    MacLean, Heather L; Lave, Lester B; Lankey, Rebecca; Joshi, Satish

    2000-10-01

    We examine the life cycles of gasoline, diesel, compressed natural gas (CNG), and ethanol (C 2 H 5 OH)-fueled internal combustion engine (ICE) automobiles. Port and direct injection and spark and compression ignition engines are examined. We investigate diesel fuel from both petroleum and biosources as well as C 2 H 5 OH from corn, herbaceous bio-mass, and woody biomass. The baseline vehicle is a gasoline-fueled 1998 Ford Taurus. We optimize the other fuel/powertrain combinations for each specific fuel as a part of making the vehicles comparable to the baseline in terms of range, emissions level, and vehicle lifetime. Life-cycle calculations are done using the economic input-output life-cycle analysis (EIO-LCA) software; fuel cycles and vehicle end-of-life stages are based on published model results. We find that recent advances in gasoline vehicles, the low petroleum price, and the extensive gasoline infrastructure make it difficult for any alternative fuel to become commercially viable. The most attractive alternative fuel is compressed natural gas because it is less expensive than gasoline, has lower regulated pollutant and toxics emissions, produces less greenhouse gas (GHG) emissions, and is available in North America in large quantities. However, the bulk and weight of gas storage cylinders required for the vehicle to attain a range comparable to that of gasoline vehicles necessitates a redesign of the engine and chassis. Additional natural gas transportation and distribution infrastructure is required for large-scale use of natural gas for transportation. Diesel engines are extremely attractive in terms of energy efficiency, but expert judgment is divided on whether these engines will be able to meet strict emissions standards, even with reformulated fuel. The attractiveness of direct injection engines depends on their being able to meet strict emissions standards without losing their greater efficiency. Biofuels offer lower GHG emissions, are sustainable

  16. Implementing Automotive Telematics for Fleet Insurance

    Directory of Open Access Journals (Sweden)

    Marika Azzopardi

    2013-12-01

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

  17. Climate change and insurance: a critical appraisal

    International Nuclear Information System (INIS)

    Tol, Richard S.J.

    1998-01-01

    Several issues relating to insurance and the damage costs of climate change are discussed. It is argued that the option of insuring climate change is severely limited because the associated damages are hardly quantifiable and little diversifiable; in addition, binding contracts are a problem on long time scales and in an international context. Hedging, consumption smoothing over time, precautionary investments and liability are not to be presented under the heading of insurance, not only because this unnecessarily and confusingly expands the traditional definition of insurance, but also because this could create a false sense of security. The impact of climate change on the profitability of the commercial insurance sector is not likely to be severe, as the insurance companies are capable of shifting changed risks to the insured, provided that they are properly and timely informed on the consequences of climate change. (author)

  18. Explicit Versus Implicit Income Insurance

    OpenAIRE

    Thomas J. Kniesner; James P. Z‎iliak

    2001-01-01

    October 2001 (Revised from July 2001). Abstract: By supplementing income explicitly through payments or implicitly through taxes collected, income-based taxes and transfers make disposable income less variable. Because disposable income determines consumption, policies that smooth disposable income also create welfare improving consumption insurance. With data from the Panel Study of Income Dynamics we find that annual consumption variation is reduced by almost 20 percent due to explicit and ...

  19. Portfolio insurance using traded options

    OpenAIRE

    Machado-Santos, Carlos

    2001-01-01

    Literature concerning the institutional use of options indicates that the main purpose of option trading is to provide investors with the opportunity to create return distributions previously unavailable, considering that options provide the means to manipulate portfolio returns. In such a context, this study intends to analyse the returns of insured portfolios generated by hedging strategies on underlying stock portfolios. Because dynamic hedging is too expensive, we have hedged the stock po...

  20. Car insurance information management system

    OpenAIRE

    Sun, Yu

    2015-01-01

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

  1. Pensions as Retirement Income Insurance.

    OpenAIRE

    Bodie, Zvi

    1990-01-01

    This paper develops the view that employer-sponsored pension plans are best understood as retirement income insurance for employees and from that perspective addresses a number of questions regarding the reasons for their existence, their design, and their funding and investment policies. The most important of these questions are: - Why do employers provide pension plans for their employees and why is participation usually mandatory? - Why is the defined benefit form of pension plan the domin...

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

    Science.gov (United States)

    Mcruer, D. T.; Klein, R.

    1975-01-01

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

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

    Science.gov (United States)

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

    2004-11-01

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

  4. Analysis of CO2, CO and HC emission reduction in automobiles

    Science.gov (United States)

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

    2017-05-01

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

  5. Theoretic Analysis and Study on Automobile EMC Based on the Synergetics Theory

    International Nuclear Information System (INIS)

    Gao, Y H; Chang, X; He, L Q; Tian, X L

    2006-01-01

    Considering the microelectronic application in the automobile of equipment increases, and the electromagnetic environment of external world worsens day by day, it is important to study the problems of the auto EMC. The traditional researching approaches of EMC have already become riper, but because of the complicated characteristics of the automobile's complex electronic system, there is no simple mathematical model to describe and analyze the auto EMC. The traditional methods mostly proceed with parameters of the circuits, and they have not risen to the system grade. They are based on the thought of reduction. As a kind of brand-new theory, synergetics pay more attention to the cooperation and competition between subsystems, and then it can reach harmonious stability from the whole. This paper investigates a new thought about applying the synergetics theory to the EMC' s analysis of the complex system like the Automobile's, thus received corresponding theory support

  6. [Automobile Traffic Accident Death Case Analysis of Characteristics of Driver Injury].

    Science.gov (United States)

    Du, Y L; Zhang, W L

    2017-02-01

    To distinguish the injury characteristic changes on the drivers between the injuries of drivers and passengers in traffic accidents, and to provide scientific evidence for confirming the identity of driver in traffic accidents. Data of 126 automobile traffic accident death cases in the reclamation areas of Heilongjiang province from 2006-2014 were retrospectively studied. The injury characteristics on the drivers of automobile traffic accident death cases were analyzed and the forensic identification problem in the injuries of drivers and passengers were discussed. Injuries were frequently observed on driver's neck, chest and abdomen. The characteristic injuries caused by auto parts were also found, which appeared at the places of passenger's head, face and limbs contacted with automobile. Such characteristic injuries were not found at other places. The location and type of injury are associated with the identity of the deceased. Copyright© by the Editorial Department of Journal of Forensic Medicine

  7. Life insurance theory actuarial perspectives

    CERN Document Server

    Vylder, F Etienne

    1997-01-01

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

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

    Science.gov (United States)

    Douven, Rudy C H M; Schut, Frederik T

    2011-03-01

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

  9. Analyse et évaluation de la chaîne logistique automobile marocaine

    OpenAIRE

    RAHOUM, khadija; JAMOULI, Hicham; BADDOU, ATMANE

    2015-01-01

    International audience; Dans un premier temps, notre article s'intéresse, au contexte industriel du secteur automobile au Maroc, à la problématique de la sous exploitation de la fonction logistique chez les équipementiers automobiles de type PME, et la difficulté de leur intégration et collaboration dans la chaîne logistique globale du constructeur CKD (Completely Knocked Down). Ensuite, nous présentons une revue de la littérature résumant les différents modèles d'évaluation de la chaîne logi...

  10. Sound absorbtion in knitted structures for interior noise reduction in automobiles

    Science.gov (United States)

    Dias, Tilak; Monaragala, Ravi

    2006-09-01

    Reduction of interior noise in modern automobiles is an important issue in the automobile industry. Textiles are one solution, as they can provide passive sound absorption in upholstery, headliners and other interior parts. Nonwovens have also been used, but they have a lesser aesthetic appearance and drapability compared with woven and knitted structures, which can provide a 3D seamless fabric and have a pleasing appearance. In this paper we test the sound absorption of plain knitted fabrics and compare this with a theoretical model.

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

    Energy Technology Data Exchange (ETDEWEB)

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

    1997-10-01

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

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

    International Nuclear Information System (INIS)

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

    2006-01-01

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

  13. 40 CFR Appendix I to Part 600 - Highway Fuel Economy Driving Schedule (Applicable to 1978 and Later Model Year Automobiles)

    Science.gov (United States)

    2010-07-01

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

  14. 29 CFR 500.104 - Department of Labor standards for passenger automobiles and station wagons and transportation of...

    Science.gov (United States)

    2010-07-01

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

  15. Risk segmentation in Chilean social health insurance.

    Science.gov (United States)

    Hidalgo, Hector; Chipulu, Maxwell; Ojiako, Udechukwu

    2013-01-01

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

  16. Nuclear liability insurance in the United States: an insurer's perspective

    International Nuclear Information System (INIS)

    Quattrocchi, J.

    2000-01-01

    By the mid-1950's the United States recognised that it was in the interest to promote commercial development of nuclear energy. But the uncertainties of the technology and the potential for severe accidents were clear obstacles to commercial development. Exposure to potentially serious uninsured liability inhibited the private sector. These impediments led Congress to enact the Price-Anderson Act in 1957. The Act had several purposes: the first was to encourage private development of nuclear power; the second was to establish a legal framework for handling potential liability claims; and the third was to provide a ready source of funds to compensate injured victims of a nuclear accident. Insurers chose the pooling technique by creating in the US the American Nuclear Insurers. ANI acts as a managing agent for its members insurance companies. The accident of three Miles Island occurred on 28 March 1979 and with came the claims experience in US. The 1988 amendments to the Price-Anderson Act directed the President to establish a Commission for the purpose of developing a means to assure full compensation of victims of a catastrophic nuclear accident that exceeds the limitation on aggregate public liability, or currently just over US$ 9.7 billion. The Presidential Commission issued its report in August 1990, in which it reached a number of conclusions and offered a number of recommendations.The US Congress has not acted on the Commission's report, but may revisit its recommendations as debate begins this year (1999) or next on the renewal of the Price-Anderson Act. (N.C.)

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

    Directory of Open Access Journals (Sweden)

    Pahnenko Olena M.

    2014-01-01

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

  18. Nuclear Insurance Pools: Worldwide Practice and Development

    International Nuclear Information System (INIS)

    Reitsma, S. M. S.

    1998-01-01

    The development of nuclear installations to produce electricity led to the establishment of Nuclear Insurance Pools and the introduction of international Conventions on Third Party Liability. Nuclear Pools offer both Third Party Liability insurance, reflecting the Conventions' principles, and other insurance products. They are market-wide, providing a facility for participation by insurers who could not otherwise write the insurance for the particularly sensitive nuclear risk. All acceptances are for the net retention of each Member without recourse to individual reinsurance protection. Common account reinsurance is arranged with other Nuclear Pools all over the world. Thus, a transparency is created, which ensures the highest degree of reinsurance security and imposes a known finite limit to each participating insurer's commitment. Therefore, Pool-members are prepared to make a greater commitment to nuclear risks than would be case where they felt uncertain as regards their total exposure following a significant loss. (author)

  19. 41 CFR 301-10.453 - What is my liability for unauthorized use of a rental automobile obtained with Government funds?

    Science.gov (United States)

    2010-07-01

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

  20. Using Gambling to Teach Insurance Principles

    OpenAIRE

    Mark Pingle

    2010-01-01

    A basic understanding of insurance principles is useful for making personal finance decisions and for considering public policy issues. Yet, insurance concepts tend to be less intuitive, more difficult for students to grasp, than other concepts. This paper shows how fundamental insurance principles can be taught by relating them to the principles underlying gambling, the game of roulette in particular. This approach has been used successfully with college freshmen taking macroeconomics at the...

  1. RETROSPECTION OF INSURANCE: ORIGIN, EVOLUTION, TOPICALITY

    Directory of Open Access Journals (Sweden)

    Cristina UNGUR

    2014-03-01

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

  2. Application of Actuarial Modelling in Insurance Industry

    OpenAIRE

    Burcã Ana-Maria; Bãtrînca Ghiorghe

    2011-01-01

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

  3. ECONOMIC EVALUATION OF BT CORN REFUGE INSURANCE

    OpenAIRE

    Mitchell, Paul D.; Hurley, Terrance M.; Hellmich, Richard L.

    2000-01-01

    The EPA has imposed mandatory refuge requirements for Bt crops to prolong the efficacy of Bt. Growers have no economic incentive to plant the required refuge because refuge crops are on average less productive and more risky. This paper evaluates refuge insurance--insurance that pays indemnities for yield losses on refuge due to insect damage--as a tool to increase grower compliance incentives. We determine actuarially fair insurance premiums, then evaluate the feasibility of private provisio...

  4. Insurance loss coverage under restricted risk classification

    OpenAIRE

    Hao, Mingjie; Radfall Charitable Trust

    2017-01-01

    Insurers hope to make profit through pooling policies from a large number of individuals. Unless the risk in question is similar for all potential customers, an insurer is exposed to the possibility of adverse selection by attracting only high-risk individuals. To counter this, insurers have traditionally employed underwriting principles, identifying suitable risk factors to subdivide their potential customers into homogeneous risk groups, based on which risk-related premiums can be charged. ...

  5. Communications Centre Model in Insurance Business

    Directory of Open Access Journals (Sweden)

    Danijel Bara

    2013-07-01

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

  6. Nuclear insurance in Central and Eastern Europe

    International Nuclear Information System (INIS)

    Warren, G.

    1998-01-01

    In the world outside the former Soviet Union, insurance industries in their respective domestic markets have pooled their resources so as to provide a secure and cost-effective conduit for the transaction of insurance business on behalf of the nuclear industry. These are the so-called nuclear pools. This paper explains the four main principles behind nuclear liability insurance and discusses their application to Central Europe and in particular to the problems facing the nuclear industry in Eastern Europe. (author)

  7. Health insurance for the "uninsurable".

    Science.gov (United States)

    Schneck, L H

    2000-01-01

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

  8. Risk management in insurance business

    OpenAIRE

    Buškevičiūtė, Eugenija; Leškevičiūtė, Audronė

    2008-01-01

    Šiame darbe nagrinėjami rizikos valdymo modeliai, taikant atvejų studijų tyrimo metodą, įvertintas galimų rizikos reikalavimų (Mokumas II) poveikis Lietuvos draudimo rinkos dalyvių veiklai ir šio tyrimo pagrindu parengtas Mokumas II hipotetinių poveikių modelis. Applying case study research method this paper analyzes risk management models, evaluates the possible effects of risk requirements (Solvency II) on the activity of Lithuanian insurance market participants and based on the research...

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

    African Journals Online (AJOL)

    Assessment of soil-pollution by slag from an automobile battery manufacturing plant in Nigeria. ... Samples were analyzed for lead, cadmium, chromium and nickel using standard analytical methods. Lead level in soil ranged from 243 to 126000 mg/kg on the premises of the manufacturing plant with about 98% of all soil ...

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

    NARCIS (Netherlands)

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

    2012-01-01

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

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

    NARCIS (Netherlands)

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

    2011-01-01

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

  12. Feasibility of High-Resolution Pulse-Echo Techniques for Automobile Tire Inspection

    Science.gov (United States)

    1973-06-01

    The report presents ultrasonic A-scan reflection oscillograms and B-scan one-dimensional scanning displays for small sections of automobile tires, and for tire-like rubber and cord composite structures, using impulse excitation of 1-MHz and 5-MHz tra...

  13. Automobile driver on-road performance test. Volume 1, final report

    Science.gov (United States)

    1981-09-30

    The Automobile Driver On-Road Performance Test (ADOPT) was developed during a three-phase project. In Phase 1, 51 candidate behaviors were identified and selected with the help of experts in the fields of traffic safety, measurement of driver perform...

  14. Relationship of Automobile Characteristics to List Prices and Profit Margins -- A Preliminary Analysis

    Science.gov (United States)

    1978-08-01

    The report describes research on potential impacts of fuel economy regulations on the U.S. automobile industry. The study focused on the possible effects of auto "down-sizing" on manufacture profit margins. Historical price data were used to estimate...

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

    Science.gov (United States)

    Freund, Stephen H.

    2013-01-01

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

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

    DEFF Research Database (Denmark)

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

    2015-01-01

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

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

    Czech Academy of Sciences Publication Activity Database

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

    2011-01-01

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

  18. Plant maintenance management practices in automobile industries: a retrospective and literature review

    Directory of Open Access Journals (Sweden)

    Mahesh Pophaley

    2010-12-01

    Full Text Available This paper endeavors to present a classification, review and analysis of the literature on Plant Maintenance Management Practices (PMMP employed in Automobile Industries. There is a considerable amount of published research available concerning plant maintenance during the last few decades. Similarly many research articles are available which focuses on various aspects of automobile industries. However, very few studies focus on critical examination of maintenance practices in Automobile Industries in particular. Hence considering the slump in automobile industries in the recent times, a wide-ranging and focused review is attempted here and only those researches have been examined which mainly concentrates on this core aspect. Thus one of the objectives of this literature review is to investigate the present state of Plant Maintenance Management Practices, based on studies conducted in different countries and published in a variety of journals over the past two decades. An examination of 55 pertinent research studies have shown that the publications can be grouped in two categories namely Conceptual and Empirical Research. An analysis of these research articles published between 1990 and 2008, revealed that current maintenance practices ranges from conventional to the latest techniques for optimizing maintenance function like TPM, RCM and Proactive Maintenance. These studies focused more on maintenance problem solving and the main difficulties are reported along with probable solutions. Another goal of the paper is to analyze the articles by year and type of journal they were published in, to determine the trends in maintenance management studies and recommend future direction for research.

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

    International Nuclear Information System (INIS)

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

    2000-01-01

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

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

    Science.gov (United States)

    Olaitan, Olawale O.; Ikeh, Joshua O.

    2015-01-01

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