A Study on Providing Action Record Information to Reduce Automobile Insurance Premium

• Main Authors: Shin-Yang Chen, 陳信陽
• Other Authors: Ming-Jyh Wang
• Format: Others
• Language: zh-TW
• Published: 2015
• Online Access: http://ndltd.ncl.edu.tw/handle/57507981418677944176

碩士 === 朝陽科技大學 === 保險金融管理系 === 103 === Traffic accidents occur frequently at present. If the parties involved in traffic accidents can take appropriate measures to keep the evidence, qualms can be avoided during the process of claim settlement. If the data recorded by dashboard cameras can be accepted as an evidence of accident claim settlements by insurers, “fake traffic accident, real fraud” cases can therefore be reduced. Furthermore, claim personnel can take traffic accident-related evidence faster and more correctly, and make appropriate decisions in order to achieve the goal of rapid claim settlement, and to reduce claim settlement costs and fraud losses of insurers. The improved loss ratios received by insurers can be used as the niche of reducing insurance rates to repay for consumers. This study was conducted via the angles of insurance experts from different department at insurance companies. A total of 33 questionnaires were sent to the chosen executives from 3 insurance companies, and all of these questionnaires were returned and available. This study investigated whether the data from dashboard cameras supplied by consumers could be used as the niche of reducing car insurance rates via the questionnaire responses from experts in order to understand the opinions of executives handling policy development of car insurance about this policy. Six insurance orientations (including: the acceptance rates of insurance premiums for major customer groups and clients, simple underwritings, rapid claim settlements, the professional degrees of employees at insurance companies, and the control of loss ratios) were selected as theresponse options for the development of new policy under this condition. In addition, the comprehensive questionnaire was designed based on the concerns of different departments at insurance companies in order to induce and get a common view effectively. The returned questionnaires were analyzed using reliability and validity analysis, basic statistical analysis, variance analysis, and other analysis methods. The results revealed that the choices of major customer groups had significant effects on the acceptance rates of new policies and insurance premiums, the difficulty during the development of new insurance policies, and the improvement of loss ratios when the data recorded by dashboard cameras could be accepted as an evidence of accident claim settlements. Furthermore, the experts generally agreed the possibility of that the data from dashboard cameras supplied by consumers could be used as the niche of reducing car insurance rates. Keywords: dashboard camera, car insurance, fake traffic accident, insurance rate, automobile insurance claim settlement