ПРИЛОЖЕНИЕ НА СИСТЕМАТА БОНУС МАЛУС В БЪЛГАРИЯ – КРИТИЧЕН ПРЕГЛЕД И ЕМПИРИЧЕН АНАЛИЗ

Abstract

Bonus-Malus System (BMS) in car insurance is an insurance system that adjusts the premium paid by a customer in accordance with their individual claim history. The insurer must collect a higher premium from riskier drivers and lower premium from less risky drivers, instead of an equal premium from all drivers, for reasons of fairness. This creates the perception of a justice in good drivers and a correction stimulus in behavior of bad drivers.