Managing moral hazard in motor vehicle accident insurance claims

2013 ◽  
Vol 34 (2) ◽  
pp. 320-329 ◽  
Author(s):  
Shanil Ebrahim ◽  
Jason W Busse ◽  
Gordon H Guyatt ◽  
Stephen Birch
Keyword(s):  
Moral Hazard ◽  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Accident Insurance ◽  
Insurance Claims ◽  
Vehicle Accident

scholarly journals Insurance Research and Medical Ethics

2002 ◽  
Vol 7 (2) ◽  
pp. 101-106 ◽  
Author(s):  
Lorie Terry
Keyword(s):  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Accident Insurance ◽  
Fault System ◽  
Insurance Company ◽  
Automobile Accident ◽  
Vehicle Accident ◽  
Pain And Suffering ◽  
Provincial Capital ◽  
Resistance Movement

On January 1, 1995, Saskatchewan adopted a radical, no-fault system for motor vehicle accident insurance. Virtually no room was left for injured victims to sue for damages, whether for pain and suffering or for economic compensation. In fact, the no-fault system removed benefits for pain and suffering altogether. Apart from the concern that arose at the denial of justice in relation to economic matters and the blanket denial of pain, there was concern over the arrangements for medical care. Under the new Automobile Accident Insurance Act, injured persons were entitled to compensation and payment for treatment, as managed by their own doctors, chiropractors or physiotherapists for the first six weeks subsequent to an injury. Thereafter, they were required to be seen by insurance company-appointed doctors, chiropractors or physiotherapists if they wished the income replacement benefits to continue, treatment to be provided or both. They also were obliged to accept the recommendations of the insurance company doctors for the next 12 weeks, under what was called 'secondary rehabilitation'. If they claimed not to be well at the end of that period, further rehabilitation, described as 'tertiary rehabilitation' would be ordered. Two specific 'in-patient' centres were established for tertiary rehabilitation in different parts of the province (Regina and Saskatoon), and victims thought to be in need of tertiary rehabilitation had to travel if they did not live in either Regina (the provincial capital) or Saskatoon. The administration and treatment of individuals under these systems were so unacceptable to many individuals that a widespread resistance movement was generated and was established as the Coalition Against No-Fault Insurance on August 28, 1998, opening with simultaneous protests in Regina, Saskatoon, Prince Albert North Battleford and Estevan, each one organized by a local victim of the no-fault insurance scheme.

Virtual reality and computer games in the treatment of driving phobia induced by a motor vehicle accident

2003 ◽  
Author(s):  
David Walshe ◽  
Elizabeth Lewis ◽  
Kathleen O'Sullivan ◽  
Brenda K. Wiederhold ◽  
Sun I. Kim
Keyword(s):  
Virtual Reality ◽  
Computer Games ◽  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Vehicle Accident

Machine Learning of Motor Vehicle Accident Categories from Narrative Data

1996 ◽  
Vol 35 (04/05) ◽  
pp. 309-316 ◽  
Author(s):  
M. R. Lehto ◽  
G. S. Sorock
Keyword(s):  
Machine Learning ◽  
Bayesian Model ◽  
Keyword Search ◽  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Computer Search ◽  
Vehicle Accident ◽  
Learning Technique ◽  
Expert Ratings ◽  
Keyword Searches

Abstract:Bayesian inferencing as a machine learning technique was evaluated for identifying pre-crash activity and crash type from accident narratives describing 3,686 motor vehicle crashes. It was hypothesized that a Bayesian model could learn from a computer search for 63 keywords related to accident categories. Learning was described in terms of the ability to accurately classify previously unclassifiable narratives not containing the original keywords. When narratives contained keywords, the results obtained using both the Bayesian model and keyword search corresponded closely to expert ratings (P(detection)≥0.9, and P(false positive)≤0.05). For narratives not containing keywords, when the threshold used by the Bayesian model was varied between p>0.5 and p>0.9, the overall probability of detecting a category assigned by the expert varied between 67% and 12%. False positives correspondingly varied between 32% and 3%. These latter results demonstrated that the Bayesian system learned from the results of the keyword searches.

Aspirated teeth - rigid or flexible bronchoscopy

2019 ◽  
pp. 1-2
Keyword(s):  
Clinical Practice ◽  
Foreign Bodies ◽  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Flexible Bronchoscopy ◽  
Vehicle Accident

Tracheobronchial foreign bodies are a common problem in clinical practice. We present the case of a patient with three aspirated teeth following a motor vehicle accident.

Isolated second trimester uterine rupture following a motor vehicle accident

2021 ◽  
Vol 258 ◽  
pp. 461-463
Author(s):  
Tal Margaliot Kalifa ◽  
Misgav Rottenstreich ◽  
Eyal Mazaki ◽  
Hen Y. Sela ◽  
Schwartz Alon ◽  
...  
Keyword(s):  
Uterine Rupture ◽  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Second Trimester ◽  
Vehicle Accident

scholarly journals Obstructive Sleep Apnea and Risk of Motor Vehicle Accident

2021 ◽  
Author(s):  
Gaia S. Pocobelli ◽  
Mary A. Akosile ◽  
Ryan N. Hansen ◽  
Joanna Eavey ◽  
Robert D. Wellman ◽  
...  
Keyword(s):  
Obstructive Sleep Apnea ◽  
Sleep Apnea ◽  
Motor Vehicle ◽  
Motor Vehicle Accident ◽  
Vehicle Accident ◽  
Obstructive Sleep
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