GULYAN, Anahit; GEVORGYAN, Yelena. Impact of Bonus-Malus System Refinements on Time-To-Accident in Armenia’s Cmtpl Insurance: A Survival Analysis Approachal Analysis Approach. Bulletin of Yerevan University G: Economics, [S. l.], v. 16, n. 2(46), p. 105–112, 2025. DOI: 10.46991/BYSU.G.2025.16.2.105. Disponível em: https://journals.ysu.am/index.php/bulletin-ysu-economics/article/view/13231. Acesso em: 22 jan. 2026.