Aldaeej, A., H. . Aseeri, . A. . Siddiqui, J. . Alshehri, and H. . Alabdullateef. “Effective Risk Analysis and Predictive Modeling in Motor Insurance in Saudi Arabia”. Qubahan Academic Journal, vol. 6, no. 1, Jan. 2026, pp. 98-117, doi:10.48161/qaj.v6n1a2094.