Instruct: Identify the main and secondary category of Arxiv papers based on the titles and abstracts
Query: Will claim history become a deprecated rating factor? An optimal design
  method for the real-time road risk model   With the popularity of Telematics and Self-driving, more and more rating
factors, such as mileage, route, driving behavior, etc., are introduced into
actuarial models. There are quite a few doubts and disputes on the rationality
and accuracy of the selection of rating variables, but it does not involve the
widely accepted historical claim records. Recently, Tesla Insurance released a
new generation of Safety Score-based insurance, irrespective of accident
history. Forward-looking experts and scholars began to discuss whether claim
history will disappear in the future auto insurance rate-making system.
Therefore, this paper proposes a new risk variable elimination method as well
as a real-time road risk model design framework and concludes that claim
history will be regarded as a "noise" factor and deprecated in the
Pay-How-You-Drive model.

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The categories of this paper are: gr-qc
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The categories of this paper are: chao-dyn
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The categories of this paper are: cond-mat
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The categories of this paper are: econ
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The categories of this paper are: chem-ph
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The categories of this paper are: q-alg
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The categories of this paper are: astro-ph
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The categories of this paper are: nucl-ex
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The categories of this paper are: patt-sol
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The categories of this paper are: solv-int
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The categories of this paper are: q-bio
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The categories of this paper are: hep-lat
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The categories of this paper are: math-ph
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The categories of this paper are: mtrl-th
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The categories of this paper are: funct-an
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The categories of this paper are: ao-sci