Case Study

Insurance Reserving — Causal Query Explorer

How does claims management quality interact with injury severity and legal environment to determine settlement value and ultimate loss?

Why this query explorer matters

Association tells you what tends to go together. Intervention tells you what would happen if you forced a change. Counterfactual tells you what would have happened for a specific case under different circumstances. These are three distinct questions — and they have three distinct answers, even on the same data and the same model.

Rung 1 (obs) leaves all back-door paths open: the model conditions on the evidence and propagates in all directions, mixing causal signal with selection bias. Rung 2 (do) severs the incoming edges to the intervention node, isolating the downstream causal mechanism and eliminating confounding. Comparing the two bars directly quantifies the bias that would arise from treating observational data as causal. Use the tools in the tab bar above to decompose the pathways, quantify the gap, and inspect individual-level background factors.

Rung 1 — Association (obs)
Prior — no evidence set
NodeStateProbability