NATH, D. C.; SINHA, P. A markovian study of no claim discount system of Insurance Regulatory and Development Authority and its application. Thailand Statistician, [S. l.], v. 12, n. 2, p. 223–236, 2015. Disponível em: https://ph02.tci-thaijo.org/index.php/thaistat/article/view/34202. Acesso em: 2 may. 2024.