{"id":"W4403215508","doi":"10.3390/math12193150","title":"Analyzing the Influence of Telematics-Based Pricing Strategies on Traditional Rating Factors in Auto Insurance Rate Regulation","year":2024,"lang":"en","type":"article","venue":"Mathematics","topic":"Insurance and Financial Risk Management","field":"Economics, Econometrics and Finance","cited_by":5,"is_retracted":false,"has_abstract":true,"ca_institutions":"Toronto Metropolitan University","funders":"","keywords":"Telematics; Rating system; Business; Actuarial science; Economics; Computer science; Telecommunications; Environmental economics","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.0009065426,0.0001326383,0.0002842172,0.0002659289,0.0000836277,0.0001225746,0.0001601189,0.00004862595,0.00002522834],"category_scores_gemma":[0.0001914345,0.0001096246,0.00007863753,0.0005342775,0.00005157624,0.0002725838,0.00001435372,0.0001535878,0.00003231764],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.00008127896,"about_ca_system_score_gemma":0.0000336468,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.00003700169,"about_ca_topic_score_gemma":0.00001359309,"domain_scores_codex":[0.9988096,0.00001746874,0.0007512214,0.0001911494,0.00006495292,0.0001655521],"domain_scores_gemma":[0.9990593,0.0003853109,0.0002977174,0.0002190809,0.00002461508,0.00001402],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"theoretical_or_conceptual","study_design_gemma":"observational","study_design_scores_codex":[0.000004025847,0.00007641058,0.01368324,0.0006677042,0.00001988703,0.000002411398,0.002976937,0.1610136,0.0002105767,0.8210378,0.00002123078,0.0002861093],"study_design_scores_gemma":[0.000194806,0.00005917445,0.4783977,0.0008213472,0.000007293253,3.973755e-7,0.0005859126,0.2089009,0.0006727259,0.3099971,0.0001487464,0.000213971],"study_design_candidate":"theoretical_or_conceptual","study_design_consensus":null,"genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9640433,0.000178671,0.03222989,0.000150083,0.0001044388,0.0002534855,0.00004116484,0.00003349161,0.002965454],"genre_scores_gemma":[0.9985095,0.00002206254,0.001320952,0.00002957613,0.0000286657,0.00002336597,0.000007606355,0.00001635253,0.00004191807],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.5110407,"threshold_uncertainty_score":0.4470361,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.03982310387444491,"score_gpt":0.2379058653338165,"score_spread":0.1980827614593716,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}