%0 Journal Article %A A. G. Gulyan %T An alternative model for bonus-malus system %J Proceedings of the Yerevan State University. Physical and mathematical sciences %D 2015 %P 15-19 %N 1 %I mathdoc %U http://geodesic.mathdoc.fr/item/UZERU_2015_1_a3/ %G en %F UZERU_2015_1_a3