@article{UZERU_2015_1_a3,
     author = {A. G. Gulyan},
     title = {An alternative model for bonus-malus system},
     journal = {Proceedings of the Yerevan State University. Physical and mathematical sciences},
     pages = {15--19},
     publisher = {mathdoc},
     number = {1},
     year = {2015},
     language = {en},
     url = {http://geodesic.mathdoc.fr/item/UZERU_2015_1_a3/}
}