Attributes are to be added to up for discussion section.
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| Data Needs | Passthrough | Rules | Definition | required fields | NAIC Data Fields | |
|---|---|---|---|---|---|---|
| 4 | Car Years | Derived | for car/policy pair: Eff cov-Exp cov | For a vehicle coverage pair, the difference between effective date and expiration date. | Vehicle ID, Coverage ID, Cov Eff Date, Cov Exp Date | Exposure: Vehicle ID / Coverage ID / Cov Eff Date / Cov Exp Date |
| 5 | Coll Deductible | Derived | Present in Stat plan | the amount you have to pay first before the car insurance company steps in to cover the cost | Coll Deductible | |
| 6 | Comp Deductible | Derived | Present in stat plan | the amount that you have to pay out-of-pocket when filing a comprehensive insurance claim. | Comp Deductible | |
| 10 | Coverage Group | Derived | Coverage ID | |||
| 13 | Developed Incurred Losses at Basic Limits | Derived | Development Factor, Basic Limit Level, Liability Limits Amount, Paid Losses, Outstanding Losses, PAID LAE, Outstanding LAE | Development Factor / Basic Limit Level / Liability Limits Amount / Paid Losses / Outstanding Losses / Paid LAE / Outstanding LAE | ||
| 14 | Developed Incurred Losses at Excess Limit | Derived | Development Factor, Basic Limit Level, Liability Limits Amount, Paid Losses, Outstanding Losses, PAID LAE, Outstanding LAE | Development Factor / Basic Limit Level / Liability Limits Amount / Paid Losses / Outstanding Losses / Paid LAE / Outstanding LAE | ||
| 15 | Earned Premium | Derived | (earned exposures/written exposures)*written premium | that portion of a policy's premium that applies to the expired portion of the policy. | Premium Amount | |
| 16 | Incurred Claim Count | Derived | Outstanding + paid claims | This means the total number of claims reported during the experience period (whether paid or in the process of payment) plus any incurred but not reported at the end of the experience period less the number of claims incurred but not reported at the beginning of the experience period. | Number of Outstanding, Number of Paid Claims | Number of Outstanding / Number of Paid Claims |
| 17 | Incurred Loss at Basic Limits | Derived | sum(casewhen (coalesce(q.paid_losses, 0) + coalesce(q.outstanding_losses, 0)) > 25000then25000else (coalesce(q.paid_losses, 0) + coalesce(q.outstanding_losses, 0)) end) | Basic Limit Level, Liability Limits Amount, Paid Losses, Outstanding Losses, Paid LAE, Outstanding LAE | Basic Limit Level / Liability Limits Amount / Paid Losses / Outstanding Losses / Paid LAE / Outstanding LAE | |
| 18 | Incurred Loss at Excess Limits | Derived | sum(casewhen (coalesce(q.paid_losses, 0) + coalesce(q.outstanding_losses, 0)) <= 25000then0else (coalesce(q.paid_losses, 0) + coalesce(q.outstanding_losses, 0)) - 25000end) | Basic Limit Level, Liability Limits Amount, Paid Losses, Outstanding Losses, Paid LAE, Outstanding LAE | Basic Limit Level / Liability Limits Amount / Paid Losses / Outstanding Losses / Paid LAE / Outstanding LAE | |
| 19 | Incurred Losses | Derived | sum(coalesce(q.paid_losses, 0) + coalesce(q.outstanding_losses, 0)) | the total amount of paid claims and loss reserves associated with a particular time period, | Transaction Type, Paid Losses, Outstanding Losses, Paid LAE, Outstanding LAE | Transaction Type / Paid Losses / Outstanding Losses / Paid LAE / Outstanding LAE |
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