A particularly important benefit for the company, resulting from these specific applications, is the possibility of identifying profitable customers considered according into business lines, in order to make them loyal on the long run. Identifying and retaining customers that register a damage rate below 70% in the Casco insurance segment, is an important prerequisite for making this segment profitable. This is particularly important given the fact that, in the Romanian Casco auto insurance market, the ratio between the gross paid indemnities (as compensations) and the gross written premiums is 99%, compared to the average of 71% registered by the European Union’s market.