This research delves into the fusion of spatial clustering and predictive modeling within auto insurance data analytics. The primary focus of this research is on addressing challenges stemming from the dynamic nature of spatial patterns in multiple accident year claim data. by using spatially constrained clustering. The spatially constrained clustering is implemented under hierarchica... https://safeersappliancers.shop/product-category/neff-n70-t59ft50x0-electric-induction-hob-black/