我國產險公司經營強制汽車責任保險之研究-影響損失之分類因素的實證分析

• Main Author: 張可珊
• Other Authors: 陳彩稚
• Format: Others
• Language: zh-TW
• Published: 2002
• Online Access: http://ndltd.ncl.edu.tw/handle/69544374792862670111

碩士 === 國立政治大學 === 風險管理與保險學系 === 90 === Abstract According to the “ The Law of Compulsory Auto Liability Insurance ”, the ratemaking should take both human factors and vehicle factors into account. The main purpose of this study is to investigate the factors which affect the loss occurrence, loss frequency and loss severity of compulsory auto liability insurance. Besides these legal factors, this paper also tries to find out other influential factors and compare the outcomes before 1998 with that after 1998. The analysis of the changes on the relevant factors helps the government and insurers to make rating and underwriting decisions. The methodology of this study is chi-square test and the empirical findings are as follows: 1. Age is not a significant risk factor. 2.Gender, marriage status and vehicle category should be considered as significant risk factors. 3. Both driving record and category has less effect on loss and thus should not be treated as important risk factors. 4.Neither vehicle-age nor exhaust volume should be considered as significant risk factors. 5. The factor of purchasing voluntary auto third party liability insurance has an important impact on loss. 6.After the new law of compulsory auto liability insurance has been practiced, it shows that human factors are more significant than vehicle factors in affecting insurance claims.