Relação entre as características dos motoristas e veículos com a sinistralidade em seguros de automóvel: estudo comparativo entre Rio Grande do Norte e São Paulo no ano de 2019

Abstract

In the auto insurance market, insurers need to constantly monitor their solvency and profitability to maintain the sustainability of their operations. The loss ratio, as an indicator, plays an essential role in assessing these factors, allowing the identification of any imbalance between the value of compensation and the value of premiums and the adjustment of new strategies. This study aims to analyze how the different characteristics of drivers (gender and age) and vehicles (car category, year of manufacture of the vehicle and area of circulation) influence the loss ratio in auto insurance in a comparative manner between the states of Rio Grande do Norte and São Paulo. The information on these characteristics was taken from the SUSEP database, which is composed of auto insurance policies, thus making it possible to calculate the loss ratio, average premium, average compensation and average relative frequency of claims. The final result showed that the loss ratio is higher in the state of Rio Grande do Norte, although the state of São Paulo has a higher average premium, average compensation and average frequency of claims.