Geographic context is often consider relevant to motor insurance risk, yet public actuarial datasets provide limited location identifiers, constraining how this information can be incorporated and evaluated in claim-frequency models. This study examines how geographic information from alternative data sources can be incorporated into actuarial models for Motor Third Party Liability (MTPL) claim prediction under such constraints. Using the BeMTPL97 dataset, we adopt a zone-level modeling framework and evaluate predictive performance on unseen postcodes. Geographic information is introduced through two channels: environmental indicators from OpenStreetMap and CORINE Land Cover, and orthoimagery released by the Belgian National Geographic Institute for academic use. We evaluate the predictive contribution of coordinates, environmental features, and image embeddings across three baseline models: generalized linear models (GLMs), regularized GLMs, and gradient-boosted trees, while raw imagery is modeled using convolutional neural networks. Our results show that augmenting actuarial variables with constructed geographic information improves accuracy. Across experiments, both linear and tree-based models benefit most from combining coordinates with environmental features extracted at 5 km scale, while smaller neighborhoods also improve baseline specifications. Generally, image embeddings do not improve performance when environmental features are available; however, when such features are absent, pretrained vision-transformer embeddings enhance accuracy and stability for regularized GLMs. Our results show that the predictive value of geographic information in zone-level MTPL frequency models depends less on model complexity than on how geography is represented, and illustrate that geographic context can be incorporated despite limited individual-level spatial information.

Although freely accessible, it is provided in individual files for each year, and is difficult to combine in order to analyze spatial or temporal trends.

The issue of distribution shifts is emerging as a critical concern in graph representation learning.

The issue of distribution shifts is emerging as a critical concern in graph representation learning. From the perspective of invariant learning and stable learning, a recently well-established paradigm for out-of-distribution generalization, stable features of the graph are assumed to causally determine labels, while environmental features tend to be unstable and can lead to the two primary types of distribution shifts. The correlation shift is often caused by the spurious correlation between environmental features and labels that differs between the training and test data; the covariate shift often stems from the presence of new environmental features in test data. However, most strategies, such as invariant learning or graph augmentation, typically struggle with limited training environments or perturbed stable features, thus exposing limitations in handling the problem of covariate shift. To address this challenge, we propose a simple-yet-effective data augmentation strategy, Adversarial Invariant Augmentation (AIA), to handle the covariate shift on graphs. Specifically, given the training data, AIA aims to extrapolate and generate new environments, while concurrently preserving the original stable features during the augmentation process. Such a design equips the graph classification model with an enhanced capability to identify stable features in new environments, thereby effectively tackling the covariate shift in data. Extensive experiments with in-depth empirical analysis demonstrate the superiority of our approach. The implementation codes are publicly available at https://github.com/yongduosui/AIA.

Covariate distribution shift occurs when certain structural features present in the test set are absent from the training set. It is a common type of out-of-distribution (OOD) problem, frequently encountered in real-world graph data with complex structures. Existing research has revealed that most out-of-the-box graph neural networks (GNNs) fail to account for covariate shifts. Furthermore, we observe that existing methods aimed at addressing covariate shifts often fail to fully leverage the rich information contained within the latent space. Motivated by the potential of the latent space, we introduce a new method called MPAIACL for More Powerful Adversarial Invariant Augmentation using Contrastive Learning. MPAIACL leverages contrastive learning to unlock the full potential of vector representations by harnessing their intrinsic information. Through extensive experiments, MPAIACL demonstrates its robust generalization and effectiveness, as it performs well compared with other baselines across various public OOD datasets. The code is publicly available at https://github.com/flzeng1/MPAIACL.

Reinforcement Learning (RL) agents often learn policies that do not generalise across tasks in which the environmental features and optimal skills are different [des Combes et al., 2018, Garcin et al., 2024].

Unsupervised Domain Adaptation~(UDA) focuses on transferring knowledge from a labeled source domain to an unlabeled target domain, addressing the challenge of \emph{domain shift}. Significant domain shifts hinder effective knowledge transfer, leading to \emph{negative transfer} and deteriorating model performance. Therefore, mitigating negative transfer is essential. This study revisits negative transfer through the lens of causally disentangled learning, emphasizing cross-domain discriminative disagreement on non-causal environmental features as a critical factor. Our theoretical analysis reveals that overreliance on non-causal environmental features as the environment evolves can cause discriminative disagreements~(termed \emph{environmental disagreement}), thereby resulting in negative transfer. To address this, we propose Reducing Environmental Disagreement~(RED), which disentangles each sample into domain-invariant causal features and domain-specific non-causal environmental features via adversarially training domain-specific environmental feature extractors in the opposite domains. Subsequently, RED estimates and reduces environmental disagreement based on domain-specific non-causal environmental features. Experimental results confirm that RED effectively mitigates negative transfer and achieves state-of-the-art performance.

Traditionally, neighborhood studies have used interviews, surveys, and manual image annotation guided by detailed protocols to identify environmental characteristics, including physical disorder, decay, street safety, and sociocultural symbols, and to examine their impact on developmental and health outcomes. Although these methods yield rich insights, they are time-consuming and require intensive expert intervention. Recent technological advances, including vision language models (VLMs), have begun to automate parts of this process; however, existing efforts are often ad hoc and lack adaptability across research designs and geographic contexts. In this paper, we present StreetLens, a user-configurable human-centered workflow that integrates relevant social science expertise into a VLM for scalable neighborhood environmental assessments. StreetLens mimics the process of trained human coders by focusing the analysis on questions derived from established interview protocols, retrieving relevant street view imagery (SVI), and generating a wide spectrum of semantic annotations from objective features (e.g., the number of cars) to subjective perceptions (e.g., the sense of disorder in an image). By enabling researchers to define the VLM's role through domain-informed prompting, StreetLens places domain knowledge at the core of the analysis process. It also supports the integration of prior survey data to enhance robustness and expand the range of characteristics assessed in diverse settings. StreetLens represents a shift toward flexible and agentic AI systems that work closely with researchers to accelerate and scale neighborhood studies. StreetLens is publicly available at https://knowledge-computing.github.io/projects/streetlens.

Reinforcement Learning (RL) agents often learn policies that do not generalise across tasks in which the environmental features and optimal skills are different [des Combes et al., 2018, Garcin et al., 2024].