Ahmed Mohammed Farahan, Raed Ali Alkhasawneh, Waheeb Hassan Yassin Gadour, Mostafa A. Radwan, M. Sh. Torky, Mohamed Ismail Abdulrahman Ismail, Alaa Fathi Soliman, Fatma Yousef Elshinawy, Samina Bashir, Khaled Alsaeed Qamar 2025. A proposed actuarial model for estimating the risk premium for vehicle insurance using central moments theory of claims. Journal of International Crisis and Risk Communication Research . (Sep. 2025), 72–87. DOI:https://doi.org/10.63278/jicrcr.vi.3233.