A Study on the Claim Factor of Automobile Burglary Insurance─ The Case of Central Areas in Taiwan

• Main Authors: Wen-Chang Wang, 王文昌
• Other Authors: Li-Hua Lai
• Format: Others
• Language: zh-TW
• Published: 2004
• Online Access: http://ndltd.ncl.edu.tw/handle/63571147927218714412

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 92 === The purpose of this research is concentrated on researching the claim factors of automobile burglary insurance how to impact the loss amount and find out what their correlation. This article is resourced from one of a unit of an insurance company for automobile burglary insurance claims information to make use of regression analysis and supervise their correlation of variables. The results is found out that there are appeared significant relationship between independent variables and dependent variables from types of car、sex of car’s driver、business resources、insured period、area of theft occurred and etc. The result is approved to support this research of scenario and current conditions, respectively in automobile burglary insurance and types of car have actual related. In among of independent variables, there are showed an inverse ratio between the sex of insured and sex of car’s driver, which indicates a negative selection from the insured. In addition, the insured period is longer and automobile theft ratio is getting higher. It makes us to more understand on the sense of risk by insured. For area of theft occurred, the loss ratio exists highly influence in order to reflect to draft the rating of automobile burglary insurance which shall be included the concept of area loading modification to meet the principle of fair rating.