A Longitudinal Analysis of the Impact of Distance Driven on the Probability of Car Accidents
Using telematics data, we study the relationship between claim frequency and distance driven through different models by observing smooth functions.We used Generalized Additive Models (GAM) for a Poisson distribution, and Refrigerator/Freezer Parts Generalized Additive Models for Location, Scale, and Shape (GAMLSS) that we generalize for panel coun