자동차보험 사기 적발 모형에 관한 연구 = A Fraud Detection Model for Automobile Insurance Claims

다국어 초록 (Multilingual Abstract)

The Purpose of this study is to analyze the features that significantly affects automobile insurance claims fraud, to construct a detection model using the features, and to verify the adequacy of the model. With 182,688 cases of automobile insurance claims of private passenger automobiles incurred in recent three years, this paper collected information about personal characteristics data, insurance underwriting, accident, repairing, and claims. This paper finds out that the significant features are: address of the insured, purchase of physical damage coverage, size of premium, size of the car, single accident(accident without victim), late-night accident, size of coverage, frequency of previous accident. Although this study presented statistically appropriate and practically useful fraud detection model, it failed to find the most proper model because we cannot measure the costs of the type I and the type II errors yet.

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