library(dplyr)
df <- MTPL2 |>
mutate(across(c(area), as.factor)) |>
mutate(across(c(area), ~biggest_reference(., exposure)))
mod1 <- glm(nclaims ~ area + premium, offset = log(exposure),
family = poisson(), data = df)
mod2 <- glm(nclaims ~ area, offset = log(exposure), family = poisson(),
data = df)
x <- rating_factors(mod1, mod2, model_data = df, exposure = exposure)
autoplot(x)
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