La siniestralidad del seguro vehicular y las reservas técnicas de SWEADEN SEGUROS sucursal Ambato en el año 2014

Abstract

This document tries to analyze the relationship between sinister variables and technical reserves in the insurer Sweaden Insurance Subsidiary Ambato, considering the massive release does not always generates the expected profit, pursuing the main objective "Measuring the economic impact on technical reserves due to loss by analyzing the period studied to determine favorable policies in prevision of risk for the company." From the information gathered it was noted that the sinisters frequency is considerable affecting in a negative way the financial statements of the company so therefore the risk is not measured appropriately. On the other hand, regarding the dependent variable of technical reserves which is a tool to deal with sinisters or potential sinisters by calculations established by the Superintendency of Insurances and Values. It was noted that the company can afford the negative eventualities insured, meeting the needs of customers, even with some degree of difficulty as it affects the resources and finances of the company. Finally, it was concluded that the sinister variables impacts negatively on technical reserves, as they are liabilities that may affect up to two years on balance sheets. With proper and continuous use of a tool to measure risk more accurate way you can improve income levels and contribute the profits of the company.