Modelo actuarial de valoración del coste para la Seguridad Social de la incapacidad permanente debido a accidente de circulación

  1. De La Peña Esteban, J. Iñaki 1
  2. Peña-Cerezo, Miguel Angel 1
  3. Agüero, Ainhoa 1
  1. 1 Universidad del País Vasco/Euskal Herriko Unibertsitatea
    info

    Universidad del País Vasco/Euskal Herriko Unibertsitatea

    Lejona, España

    ROR https://ror.org/000xsnr85

Aldizkaria:
Anales del Instituto de Actuarios Españoles

ISSN: 0534-3232

Argitalpen urtea: 2023

Zenbakia: 29

Orrialdeak: 23-35

Mota: Artikulua

DOI: 10.26360/2023_2 DIALNET GOOGLE SCHOLAR lock_openSarbide irekia editor

Beste argitalpen batzuk: Anales del Instituto de Actuarios Españoles

Laburpena

Road accidents generate innumerable costs to those affected. From material damages to economic damages. Some are independent of the human condition and others are conditioned to the victim's survival. However, although international research does take into account health expenses, it does not take into account the cost to Social Security in the area of pensions. The aim of this paper is to determine a method for quantifying the cost of road accidents to the social security system for the permanent disability of the injured party. The methodology uses a "Human Cost" valuation model based on the actuarial technical bases developed in Law 35/2015, of 22 September, on the reform of the system for the valuation of damages caused to people in road accidents. The model is standardised, so that the cost can be easily determined. It takes into account the permanent sequelae or injuries that affect the victim for the rest of his or her life. The main conclusion of the model is that wages received and age are the main cost factors. The practical realisation would lead to an increase in motor insurance rates by transferring the cost of social security to the private insurance field.

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