📄 insurance.bif
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(Mild, FiftyThou, False) 0.99, 0.01, 0, 0;
(Mild, Million, True) 0.02, 0.03, 0.25, 0.7;
(Mild, Million, False) 0.98, 0.01, 0.01, 0;
(Moderate, FiveThou, True) 0.05, 0.95, 0, 0;
(Moderate, FiveThou, False) 0.25, 0.75, 0, 0;
(Moderate, TenThou, True) 0.01, 0.99, 0, 0;
(Moderate, TenThou, False) 0.15, 0.85, 0, 0;
(Moderate, TwentyThou, True) 0.001, 0.001, 0.998, 0;
(Moderate, TwentyThou, False) 0.01, 0.01, 0.98, 0;
(Moderate, FiftyThou, True) 0.001, 0.001, 0.998, 0;
(Moderate, FiftyThou, False) 0.005, 0.005, 0.99, 0;
(Moderate, Million, True) 0.001, 0.001, 0.018, 0.98;
(Moderate, Million, False) 0.003, 0.003, 0.044, 0.95;
(Severe, FiveThou, True) 0.03, 0.97, 0, 0;
(Severe, FiveThou, False) 0.05, 0.95, 0, 0;
(Severe, TenThou, True) 0.000001, 0.999999, 0, 0;
(Severe, TenThou, False) 0.01, 0.99, 0, 0;
(Severe, TwentyThou, True) 0.000001, 0.000001, 0.999998, 0;
(Severe, TwentyThou, False) 0.005, 0.005, 0.99, 0;
(Severe, FiftyThou, True) 0.000001, 0.000001, 0.999998, 0;
(Severe, FiftyThou, False) 0.001, 0.001, 0.998, 0;
(Severe, Million, True) 0.000001, 0.000001, 0.009998, 0.99;
(Severe, Million, False) 0.000001, 0.000001, 0.029998, 0.97;
}
probability ( Theft | AntiTheft, HomeBase, CarValue ) {
(True, Secure, FiveThou) 0.000001, 0.999999;
(True, Secure, TenThou) 0.000002, 0.999998;
(True, Secure, TwentyThou) 0.000003, 0.999997;
(True, Secure, FiftyThou) 0.000002, 0.999998;
(True, Secure, Million) 0.000001, 0.999999;
(True, City, FiveThou) 0.0005, 0.9995;
(True, City, TenThou) 0.002, 0.998;
(True, City, TwentyThou) 0.005, 0.995;
(True, City, FiftyThou) 0.005, 0.995;
(True, City, Million) 0.000001, 0.999999;
(True, Suburb, FiveThou) 0.00001, 0.99999;
(True, Suburb, TenThou) 0.0001, 0.9999;
(True, Suburb, TwentyThou) 0.0003, 0.9997;
(True, Suburb, FiftyThou) 0.0003, 0.9997;
(True, Suburb, Million) 0.000001, 0.999999;
(True, Rural, FiveThou) 0.00001, 0.99999;
(True, Rural, TenThou) 0.00002, 0.99998;
(True, Rural, TwentyThou) 0.00005, 0.99995;
(True, Rural, FiftyThou) 0.00005, 0.99995;
(True, Rural, Million) 0.000001, 0.999999;
(False, Secure, FiveThou) 0.000001, 0.999999;
(False, Secure, TenThou) 0.000002, 0.999998;
(False, Secure, TwentyThou) 0.000003, 0.999997;
(False, Secure, FiftyThou) 0.000002, 0.999998;
(False, Secure, Million) 0.000001, 0.999999;
(False, City, FiveThou) 0.001, 0.999;
(False, City, TenThou) 0.005, 0.995;
(False, City, TwentyThou) 0.01, 0.99;
(False, City, FiftyThou) 0.01, 0.99;
(False, City, Million) 0.000001, 0.999999;
(False, Suburb, FiveThou) 0.00001, 0.99999;
(False, Suburb, TenThou) 0.0002, 0.9998;
(False, Suburb, TwentyThou) 0.0005, 0.9995;
(False, Suburb, FiftyThou) 0.0005, 0.9995;
(False, Suburb, Million) 0.000001, 0.999999;
(False, Rural, FiveThou) 0.00001, 0.99999;
(False, Rural, TenThou) 0.0001, 0.9999;
(False, Rural, TwentyThou) 0.0002, 0.9998;
(False, Rural, FiftyThou) 0.0002, 0.9998;
(False, Rural, Million) 0.000001, 0.999999;
}
probability ( CarValue | MakeModel, VehicleYear, Mileage ) {
(SportsCar, Current, FiveThou) 0, 0.1, 0.8, 0.09, 0.01;
(SportsCar, Current, TwentyThou) 0, 0.1, 0.8, 0.09, 0.01;
(SportsCar, Current, FiftyThou) 0, 0.1, 0.8, 0.09, 0.01;
(SportsCar, Current, Domino) 0, 0.1, 0.8, 0.09, 0.01;
(SportsCar, Older, FiveThou) 0.03, 0.3, 0.6, 0.06, 0.01;
(SportsCar, Older, TwentyThou) 0.16, 0.5, 0.3, 0.03, 0.01;
(SportsCar, Older, FiftyThou) 0.4, 0.47, 0.1, 0.02, 0.01;
(SportsCar, Older, Domino) 0.9, 0.06, 0.02, 0.01, 0.01;
(Economy, Current, FiveThou) 0.1, 0.8, 0.1, 0, 0;
(Economy, Current, TwentyThou) 0.1, 0.8, 0.1, 0, 0;
(Economy, Current, FiftyThou) 0.1, 0.8, 0.1, 0, 0;
(Economy, Current, Domino) 0.1, 0.8, 0.1, 0, 0;
(Economy, Older, FiveThou) 0.25, 0.7, 0.05, 0, 0;
(Economy, Older, TwentyThou) 0.7, 0.2999, 0.0001, 0, 0;
(Economy, Older, FiftyThou) 0.99, 0.009999, 0.000001, 0, 0;
(Economy, Older, Domino) 0.999998, 0.000001, 0.000001, 0, 0;
(FamilySedan, Current, FiveThou) 0, 0.1, 0.9, 0, 0;
(FamilySedan, Current, TwentyThou) 0, 0.1, 0.9, 0, 0;
(FamilySedan, Current, FiftyThou) 0, 0.1, 0.9, 0, 0;
(FamilySedan, Current, Domino) 0, 0.1, 0.9, 0, 0;
(FamilySedan, Older, FiveThou) 0.2, 0.3, 0.5, 0, 0;
(FamilySedan, Older, TwentyThou) 0.5, 0.3, 0.2, 0, 0;
(FamilySedan, Older, FiftyThou) 0.7, 0.2, 0.1, 0, 0;
(FamilySedan, Older, Domino) 0.99, 0.009999, 0.000001, 0, 0;
(Luxury, Current, FiveThou) 0, 0, 0, 1, 0;
(Luxury, Current, TwentyThou) 0, 0, 0, 1, 0;
(Luxury, Current, FiftyThou) 0, 0, 0, 1, 0;
(Luxury, Current, Domino) 0, 0, 0, 1, 0;
(Luxury, Older, FiveThou) 0.01, 0.09, 0.2, 0.7, 0;
(Luxury, Older, TwentyThou) 0.05, 0.15, 0.3, 0.5, 0;
(Luxury, Older, FiftyThou) 0.1, 0.3, 0.3, 0.3, 0;
(Luxury, Older, Domino) 0.2, 0.2, 0.3, 0.3, 0;
(SuperLuxury, Current, FiveThou) 0, 0, 0, 0, 1;
(SuperLuxury, Current, TwentyThou) 0, 0, 0, 0, 1;
(SuperLuxury, Current, FiftyThou) 0, 0, 0, 0, 1;
(SuperLuxury, Current, Domino) 0, 0, 0, 0, 1;
(SuperLuxury, Older, FiveThou) 0.000001, 0.000001, 0.000001, 0.000001, 0.999996;
(SuperLuxury, Older, TwentyThou) 0.000001, 0.000001, 0.000001, 0.000001, 0.999996;
(SuperLuxury, Older, FiftyThou) 0.000001, 0.000001, 0.000001, 0.000001, 0.999996;
(SuperLuxury, Older, Domino) 0.000001, 0.000001, 0.000001, 0.000001, 0.999996;
}
probability ( HomeBase | RiskAversion, SocioEcon ) {
(Psychopath, Prole) 0.000001, 0.8, 0.049999, 0.15;
(Psychopath, Middle) 0.15, 0.8, 0.04, 0.01;
(Psychopath, UpperMiddle) 0.35, 0.6, 0.04, 0.01;
(Psychopath, Wealthy) 0.489999, 0.5, 0.000001, 0.01;
(Adventurous, Prole) 0.000001, 0.8, 0.05, 0.149999;
(Adventurous, Middle) 0.01, 0.25, 0.6, 0.14;
(Adventurous, UpperMiddle) 0.2, 0.4, 0.3, 0.1;
(Adventurous, Wealthy) 0.95, 0.000001, 0.000001, 0.049998;
(Normal, Prole) 0.000001, 0.8, 0.05, 0.149999;
(Normal, Middle) 0.299999, 0.000001, 0.6, 0.1;
(Normal, UpperMiddle) 0.5, 0.000001, 0.4, 0.099999;
(Normal, Wealthy) 0.85, 0.000001, 0.001, 0.148999;
(Cautious, Prole) 0.000001, 0.8, 0.05, 0.149999;
(Cautious, Middle) 0.95, 0.000001, 0.024445, 0.025554;
(Cautious, UpperMiddle) 0.999997, 0.000001, 0.000001, 0.000001;
(Cautious, Wealthy) 0.999997, 0.000001, 0.000001, 0.000001;
}
probability ( AntiTheft | RiskAversion, SocioEcon ) {
(Psychopath, Prole) 0.000001, 0.999999;
(Psychopath, Middle) 0.000001, 0.999999;
(Psychopath, UpperMiddle) 0.05, 0.95;
(Psychopath, Wealthy) 0.5, 0.5;
(Adventurous, Prole) 0.000001, 0.999999;
(Adventurous, Middle) 0.000001, 0.999999;
(Adventurous, UpperMiddle) 0.2, 0.8;
(Adventurous, Wealthy) 0.5, 0.5;
(Normal, Prole) 0.1, 0.9;
(Normal, Middle) 0.3, 0.7;
(Normal, UpperMiddle) 0.9, 0.1;
(Normal, Wealthy) 0.8, 0.2;
(Cautious, Prole) 0.95, 0.05;
(Cautious, Middle) 0.999999, 0.000001;
(Cautious, UpperMiddle) 0.999999, 0.000001;
(Cautious, Wealthy) 0.999999, 0.000001;
}
probability ( PropCost | OtherCarCost, ThisCarCost ) {
(Thousand, Thousand) 0.7, 0.3, 0, 0;
(Thousand, TenThou) 0, 0.95, 0.05, 0;
(Thousand, HundredThou) 0, 0, 0.98, 0.02;
(Thousand, Million) 0, 0, 0, 1;
(TenThou, Thousand) 0, 0.95, 0.05, 0;
(TenThou, TenThou) 0, 0.6, 0.4, 0;
(TenThou, HundredThou) 0, 0, 0.95, 0.05;
(TenThou, Million) 0, 0, 0, 1;
(HundredThou, Thousand) 0, 0, 0.98, 0.02;
(HundredThou, TenThou) 0, 0, 0.8, 0.2;
(HundredThou, HundredThou) 0, 0, 0.6, 0.4;
(HundredThou, Million) 0, 0, 0, 1;
(Million, Thousand) 0, 0, 0, 1;
(Million, TenThou) 0, 0, 0, 1;
(Million, HundredThou) 0, 0, 0, 1;
(Million, Million) 0, 0, 0, 1;
}
probability ( OtherCarCost | Accident, RuggedAuto ) {
(None, EggShell) 1, 0, 0, 0;
(None, Football) 1, 0, 0, 0;
(None, Tank) 1, 0, 0, 0;
(Mild, EggShell) 0.99, 0.005, 0.00499, 0.00001;
(Mild, Football) 0.98, 0.01, 0.009985, 0.00005;
(Mild, Tank) 0.95, 0.03, 0.01998, 0.00002;
(Moderate, EggShell) 0.6, 0.2, 0.19998, 0.00002;
(Moderate, Football) 0.5, 0.2, 0.29997, 0.00003;
(Moderate, Tank) 0.4, 0.3, 0.29996, 0.00004;
(Severe, EggShell) 0.2, 0.4, 0.39996, 0.00004;
(Severe, Football) 0.1, 0.5, 0.39994, 0.00006;
(Severe, Tank) 0.005, 0.55, 0.4449, 0.0001;
}
probability ( OtherCar | SocioEcon ) {
(Prole) 0.5, 0.5;
(Middle) 0.8, 0.2;
(UpperMiddle) 0.9, 0.1;
(Wealthy) 0.95, 0.05;
}
probability ( MedCost | Accident, Age, Cushioning ) {
(None, Adolescent, Poor) 1, 0, 0, 0;
(None, Adolescent, Fair) 1, 0, 0, 0;
(None, Adolescent, Good) 1, 0, 0, 0;
(None, Adolescent, Excellent) 1, 0, 0, 0;
(None, Adult, Poor) 1, 0, 0, 0;
(None, Adult, Fair) 1, 0, 0, 0;
(None, Adult, Good) 1, 0, 0, 0;
(None, Adult, Excellent) 1, 0, 0, 0;
(None, Senior, Poor) 1, 0, 0, 0;
(None, Senior, Fair) 1, 0, 0, 0;
(None, Senior, Good) 1, 0, 0, 0;
(None, Senior, Excellent) 1, 0, 0, 0;
(Mild, Adolescent, Poor) 0.96, 0.03, 0.009, 0.001;
(Mild, Adolescent, Fair) 0.98, 0.019, 0.0009, 0.0001;
(Mild, Adolescent, Good) 0.99, 0.0099, 0.00009, 0.00001;
(Mild, Adolescent, Excellent) 0.999, 0.00099, 0.000009, 0.000001;
(Mild, Adult, Poor) 0.96, 0.03, 0.009, 0.001;
(Mild, Adult, Fair) 0.98, 0.019, 0.0009, 0.0001;
(Mild, Adult, Good) 0.99, 0.0099, 0.00009, 0.00001;
(Mild, Adult, Excellent) 0.999, 0.00099, 0.000009, 0.000001;
(Mild, Senior, Poor) 0.9, 0.07, 0.02, 0.01;
(Mild, Senior, Fair) 0.95, 0.04, 0.007, 0.003;
(Mild, Senior, Good) 0.97, 0.025, 0.003, 0.002;
(Mild, Senior, Excellent) 0.99, 0.007, 0.002, 0.001;
(Moderate, Adolescent, Poor) 0.5, 0.2, 0.2, 0.1;
(Moderate, Adolescent, Fair) 0.8, 0.15, 0.03, 0.02;
(Moderate, Adolescent, Good) 0.95, 0.02, 0.02, 0.01;
(Moderate, Adolescent, Excellent) 0.99, 0.007, 0.002, 0.001;
(Moderate, Adult, Poor) 0.5, 0.2, 0.2, 0.1;
(Moderate, Adult, Fair) 0.8, 0.15, 0.03, 0.02;
(Moderate, Adult, Good) 0.95, 0.02, 0.02, 0.01;
(Moderate, Adult, Excellent) 0.99, 0.007, 0.002, 0.001;
(Moderate, Senior, Poor) 0.3, 0.3, 0.2, 0.2;
(Moderate, Senior, Fair) 0.5, 0.2, 0.2, 0.1;
(Moderate, Senior, Good) 0.9, 0.07, 0.02, 0.01;
(Moderate, Senior, Excellent) 0.95, 0.03, 0.01, 0.01;
(Severe, Adolescent, Poor) 0.3, 0.3, 0.2, 0.2;
(Severe, Adolescent, Fair) 0.5, 0.2, 0.2, 0.1;
(Severe, Adolescent, Good) 0.9, 0.07, 0.02, 0.01;
(Severe, Adolescent, Excellent) 0.95, 0.03, 0.01, 0.01;
(Severe, Adult, Poor) 0.3, 0.3, 0.2, 0.2;
(Severe, Adult, Fair) 0.5, 0.2, 0.2, 0.1;
(Severe, Adult, Good) 0.9, 0.07, 0.02, 0.01;
(Severe, Adult, Excellent) 0.95, 0.03, 0.01, 0.01;
(Severe, Senior, Poor) 0.2, 0.2, 0.3, 0.3;
(Severe, Senior, Fair) 0.3, 0.3, 0.2, 0.2;
(Severe, Senior, Good) 0.6, 0.3, 0.07, 0.03;
(Severe, Senior, Excellent) 0.9, 0.05, 0.03, 0.02;
}
probability ( Cushioning | RuggedAuto, Airbag ) {
(EggShell, True) 0.5, 0.3, 0.2, 0;
(EggShell, False) 0.7, 0.3, 0, 0;
(Football, True) 0, 0.1, 0.6, 0.3;
(Football, False) 0.1, 0.6, 0.3, 0;
(Tank, True) 0, 0, 0, 1;
(Tank, False) 0, 0, 0.7, 0.3;
}
probability ( Airbag | MakeModel, VehicleYear ) {
(SportsCar, Current) 1, 0;
(SportsCar, Older) 0.1, 0.9;
(Economy, Current) 1, 0;
(Economy, Older) 0.05, 0.95;
(FamilySedan, Current) 1, 0;
(FamilySedan, Older) 0.2, 0.8;
(Luxury, Current) 1, 0;
(Luxury, Older) 0.6, 0.4;
(SuperLuxury, Current) 1, 0;
(SuperLuxury, Older) 0.1, 0.9;
}
probability ( ILiCost | Accident ) {
(None) 1, 0, 0, 0;
(Mild) 0.999, 0.000998, 0.000001, 0.000001;
(Moderate) 0.9, 0.05, 0.03, 0.02;
(Severe) 0.8, 0.1, 0.06, 0.04;
}
probability ( DrivHist | DrivingSkill, RiskAversion ) {
(SubStandard, Psychopath) 0.001, 0.004, 0.995;
(SubStandard, Adventurous) 0.002, 0.008, 0.99;
(SubStandard, Normal) 0.03, 0.15, 0.82;
(SubStandard, Cautious) 0.3, 0.3, 0.4;
(Normal, Psychopath) 0.1, 0.3, 0.6;
(Normal, Adventurous) 0.5, 0.3, 0.2;
(Normal, Normal) 0.9, 0.07, 0.03;
(Normal, Cautious) 0.95, 0.04, 0.01;
(Expert, Psychopath) 0.3, 0.3, 0.4;
(Expert, Adventurous) 0.6, 0.3, 0.1;
(Expert, Normal) 0.99, 0.009999, 0.000001;
(Expert, Cautious) 0.999998, 0.000001, 0.000001;
}
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