| Summary: | 碩士 === 國立高雄應用科技大學 === 商務經營研究所 === 98 === There are agency problems (information asymmetry and moral crisis) between insurance company and insured. If the insured has moral crisis, then the insurance company will face significant losses. Therefore, the insured risk control is necessary. This study uses an insurance company in Taiwan as sample, and sampling 240 observations to analyze what characteristics will affect the occurrence and amount of insurance claims.
The results show: (1) Gender has no correlation with the occurrence and amount of insurance claim. (2) Age is associated with insurance claims, especially for youth stage, age 30-39. (3) Occupational class is associated with insurance claims. White-collar workers with high revenue and the identification of insurance will have higher insurance rate, so the possibility of insurance claim will be higher. (4) Age of the vehicle has no correlation with the occurrence of insurance claim, but negative correlation with the amount of insurance claim.
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