Variable

Description

Month

From January to December

Week of Month

1, 2, 3, 4, 5

Day of Week

From Sunday to Saturday

Make

Accura, BMW, Chevrolet, Dodge, Ferrari, Ford, Honda, Jaguar, Lexus, Mazda, Mercedes, Mercury, Nisson, Pontiac, Porche, Saab, Saturn, Toyota, VW

Accident Area

Rural, urban

Day of Week Claimed

From Sunday to Saturday

Week of Month Claimed

1, 2, 3, 4, 5

Month Claimed

From January to December

Sex

Male, female

Marital Status

Divorced, married, single, widow

Age (Continuous)

Ages range from 16 to 80

Fault

Policyholder, third party

Policy Type

Sedan—all perils, sedan—collision, sedan—liability, sport—all perils, sport—collision, sport—liability, utility—all perils, utility—collision, utility—liability

Vehicle Category

Sedan, sport, utility

Vehicle Price

(Less than $20,000), ($20,000 - $29,000), ($30,000 - $39,000), ($40,000 - $59,000), ($60,000 - $69,000), (greater than $69,000)

Policy Number

ID variable

Rep Number

1 - 16

Deductible

300, 400, 500, 700

Driver Rating

1, 2, 3, 4

Days Policy Claims

15 - 30, 8 - 15, more than 30, none

Days Policy Accident

1 - 7, 15 - 30, 8 - 15, more than 30, none

Past Number of Claims

1, 2 - 4, more than 4, none

Age of Vehicle

2 years, 3 years, 4 years, 5 years, 6 years, 7 years, more than 7 years, new

Age of Policy Holder

16 - 17, 18 - 20, 21 - 25, 26 - 30, 31 - 35, 36 - 40, 41 - 50, 51 - 65, over 65

Police Report Filed

Yes, No

Witness Present

Yes, No

Agent Type

External, internal

Number of Supplements

1 - 2, 3 - 5, more than 5, none

Address Change Claim

Under 6 months, 1 year, 2 - 3 years, 4 - 8 years, no change

Number of Cars

1, 2, 3 - 4, 5 - 8, more than 8

Year

1994, 1995, 1996

Base Policy

All perils, collision, liability

Fraud Found

0, 1 (response)