@article{ref1,
title="Liability insurance: risk assessment",
journal="Safety science",
year="1992",
author="Hatchek, H",
volume="15",
number="4-6",
pages="403-417",
abstract="<p>[Abstract unavailable]</p>",
language="en",
issn="0925-7535",
doi="",
url="http://dx.doi.org/"
}