Before revision:   We illustrate our method with case studies on real life insurance data sets. These case studies provide new insights in the covariates driving the development of claims and demonstrate the accuracy and robustness of the reserving methodology over time.
After revision:  We illustrate our method with case studies on real life insurance data set. This case study provides new insights in the covariates driving the development of claims and demonstrate the accuracy and robustness of the reserving methodology over time.