AN ANALYSIS OF ROAD TRAFFIC ACCIDENTS IN TUNISIA USING CAR INSURANCE CLAIMS
AN ANALYSIS OF ROAD TRAFFIC ACCIDENTS IN TUNISIA USING CAR INSURANCE CLAIMS

Summary/Abstract: In Tunisia, the motor insurance industry represents the most important category of damage insurance. In this branch, the fundamental problem is the evolution of the road accident phenomenon. The claim experience in motor insurance is measured in terms of accident frequency. Certainly, the determination of the factors that contribute to the explanation of the loss ratio allows for the improvement of the motor insurance sector. The objective of this study was to analyze the main determinants of claims reported by drivers to their Tunisian insurance companies, as well as the causes of satisfaction of the insured with their insurers. The results show that drivers' behavior is one of the key factors in the causes of claims and that the level of risk coverage helps define the relationship between an insured and his insurer.

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