Análise do impacto da Covid-19 no acionamento de seguros auto
Data
2023-01-11
Autores
Prado, Matheus Dalla Dea 
Orientadores
Yokomiso, Celso Takashi
Tipo
Trabalho de conclusão de curso
Título da Revista
ISSN da Revista
Título de Volume
Resumo
Com a chegada da pandemia da COVID-19, o mercado segurador sofreu múltiplos impactos, e dentro desse campo, o seguro auto foi amplamente atingido. O presente trabalho teve como objetivo identificar e entender quais os impactos causados pela COVID-19 no acionamento dos seguros, considerando tanto uma dimensão de frequência quanto de severidade. Foram analisadas as regiões do estado de São Paulo, com dados segregados por sexo e faixa etária. O estudo comparou os dados do semestre pré-pandemia (segundo semestre de 2019) com os do primeiro semestre de 2020, a fim de capturar os primeiros impactos no mercado de seguros auto, consequentes da chegada da COVID-19. As principais conclusões consistiram na diminuição de reclamações do referido seguro e no aumento da severidade dessas reclamações, resultando em um reajuste positivo nos valores de prêmio do seguro.
With the arrival of the COVID-19 pandemic, the insurance market has been thoroughly impacted, and within this field, auto-insurance has been extensively affected. This study aims to identify and understand the impact caused by COVID-19 on insurance activation, considering both the aspect of frequency as well as of severity. Regions of the state of São Paulo were analyzed, where the data has been split into age and gender. The study compared pre-pandemic data (from the second semester of 2019) with the data from the first semester of 2020, aiming to capture the first immediate impacts that came as consequences of the COVID- 19 pandemic in the auto insurance market. The main conclusions consist of fewer referred insurance claims as well as the increase in severity in such claims, resulting in a positive readjustment in the prices of insurance premiums.
With the arrival of the COVID-19 pandemic, the insurance market has been thoroughly impacted, and within this field, auto-insurance has been extensively affected. This study aims to identify and understand the impact caused by COVID-19 on insurance activation, considering both the aspect of frequency as well as of severity. Regions of the state of São Paulo were analyzed, where the data has been split into age and gender. The study compared pre-pandemic data (from the second semester of 2019) with the data from the first semester of 2020, aiming to capture the first immediate impacts that came as consequences of the COVID- 19 pandemic in the auto insurance market. The main conclusions consist of fewer referred insurance claims as well as the increase in severity in such claims, resulting in a positive readjustment in the prices of insurance premiums.
Descrição
Citação
PRADO, Matheus Dalla Déa. Análise do impacto da Covid-19 no acionamento de seguros auto. 2022. Trabalho de Conclusão de Curso (Bacharelado em Ciências Atuariais) - Universidade Federal de São Paulo, Escola Paulista de Política, Economia e Negócios, Osasco, 2022.