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Sponsored Artificial Intelligence: A Modern Approach, Global Edition Artificial Intelligence: A Modern Approach, Global Edition

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Arthur Charpentier

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Preprint Aug 2026

From Risk Prediction to Risk Mechanisms: A Multi-Resolution Causal Representation for Road Safety and Motor Insurance

Operational risk models can estimate event frequencies precisely while leaving the underlying mechanisms weakly resolved. We study this resolution mismatch using motor insurance and road safety. A revisable DAG represents trip-level crash generation; a separate predictive layer links annual rating information to latent...

Arthur Charpentier · 0 citations

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