Accident Year Experience
The accident year experience differs from other types of experience measurement comparisons. The statistical matching of all losses occurring (regardless of when the losses are reported) during a given 12-month period of time, with all premium earned (regardless of when the premium was written) during the same period of time. This is an apples-to-apples statistical method as the reported date is not taken into account. This may not be the same as the experience of the Calendar Year or Policy Year. This is very popular with Captive loss analysis.