政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/78221

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | Items with full text/Total items : 113393/144380 (79%)
Visitors : 51240948 Online Users : 909

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

Home ‧ Login ‧ Upload ‧ Help ‧ About ‧ Administer

政大典藏 > College of Commerce > Department of Risk Management and Insurance > Periodical Articles > Item 140.119/78221

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/78221

Title:	Vehicle insurance and the risk of road traffic accidents
Authors:	Hsu, Yung-Ching;Shiu, Yung-Ming;Chou, Pai-Lung;Chen, Yen-Ming J. 許永明
Contributors:	風管系
Keywords:	Vehicle insurance;Road traffic accidents;Bonus–malus system;Adverse selection
Date:	2015-04
Issue Date:	2015-09-02 17:41:20 (UTC+8)
Abstract:	Given the upward trend in incidences of road traffic accidents (RTAs) over recent years, in order to mitigate the financial losses arising from such accidents, governments around the world nowadays generally encourage, or even require, drivers to purchase appropriate vehicle insurance. The primary aim of this study is to examine whether RTAs are directly related to the purchase of vehicle insurance, with our examination of data on vehicle damage insurance policyholders revealing that those drivers who purchase more insurance coverage have a higher probability of being involved in accidents, as a result of which, they will tend to submit more claims. This indicates that insurance coverage might contain information which can be used to assess the probability risk levels of RTAs. We also find that drivers with less safety awareness will tend to purchase more coverage, and that those who purchase more coverage will, in turn, tend to have more accidents and submit more claims. Our findings, which provide a number of road traffic policy implications, would appear to justify the use of the bonus–malus system.
Relation:	Transportation Research Part A: Policy & Practice, 74, 201-209
Data Type:	article
DOI link:	http://dx.doi.org/10.1016/j.tra.2015.02.015
DOI:	10.1016/j.tra.2015.02.015
Appears in Collections:	[Department of Risk Management and Insurance] Periodical Articles

Files in This Item:

File	Description	Size	Format
201-209.pdf		270Kb	Adobe PDF2	941	View/Open

社群 sharing

著作權政策宣告 Copyright Announcement

1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.

Loading...