Özet:

In non-life insurance, there is a time difference between damages requests and the closure of the damages file. Moreover, legal arrangements, delayed reporting of damage or objection may lead to a time to submit the damage request or the re-opening of closed files. Identifying the damage reserves that insurance companies are going to pay to fulfil their obligations is very important for the preservation of the financial structure of the company. The past data used in the reserve account is usually displayed by the triangular staircase method. These data are separated in two time axes. The horizontal axis indicates the year of development of damage and the year of formation of the vertical axis damage. Generalized Real Models are an effective way to predict damage reserves.