Hengcharoensuk, J. ., Phanmai, K. ., & Moumeesri, A. (2024). Modelling of Claim and Pricing of Motor Insurance Based on Bonus-Malus System Considering the Frequency and Severity of Claims. Science and Technology Indonesia, 9(4), 904–913. https://doi.org/10.26554/sti.2024.9.4.904-913