| Summary: | 碩士 === 逢甲大學 === 保險所 === 93 === There are few researches related with the automobile burglary insurance in Taiwan presently. Those researches are either focus on the automobile burglary insurance claim, but not probe into claim amount, or investigate the influence of risk factors to the claim amount of automobile burglary insurance without considering unclaimed case.
The purpose of this research, concentrated on researching the private passenger automobile burglary insurance of whole car thieved with both the claimed and unclaimed data, is to investigate the significant factors for the claim amount of automobile burglary insurance and measure how these factors affect the claim amount by Tobit regression model. The empirical results support the current regulated premium system that replacement value, car age and car brand are significant factors to the private automobile burglary insurance claim amount. Besides the above factors, the results of this research also show that exhaust Volume, deductible ratio, insurance policy holders’ gender, age and living area are also the significant factors.
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