L'écrêtement Des Sinistres "Automobile"

French insurance companies usually classify their agents according to their results by branch and to this effect they calculate their respective claim ratios. As regards motor insurance many agents have argued against this practice as they believed it was unfair to be adversely classified when they had the misfortune to incur a large claim. In this article, the merits of various statistical systems for attenuating the effects of large claims on the portfolio are considered in order to come to the most equitable solution possible, i.e., to ascertain the best method and system for attenuating the effects of large claims. The conclusion is that the excess of loss technique is best suited to this effect.