######### Author: Alicja Wolny-Dominiak, 
######### University of Economics in Katowice, POLAND, mailto: woali@ue.katowice.pl

library(pscl)
library(hglm)

##Model1
glm.formula=Num_claims~Driver_age+Region+MC_class+Veh_age
glm.model1=glm(glm.formula, family=poisson(link="log"), data=dataset)
summary(glm.model1)

##Model2
Model.Poisson.gamma <-hglm(fixed=Num_claims~Driver_age+MC_class+Veh_age, random=~1|Region, family=poisson(log), data=dataset, vcovmat = TRUE)
summary(Model.Poisson.gamma)

##Model3
ZIP.model3=zeroinfl(formula=Num_claims~Driver_age+Region+ MC_class+Veh_age|1, data=dataset)
summary(ZIP.model3)