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政大機構典藏 > 商學院 > 風險管理與保險學系 > 期刊論文 > Item 140.119/78221

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題名:	Vehicle insurance and the risk of road traffic accidents
作者:	Hsu, Yung-Ching;Shiu, Yung-Ming;Chou, Pai-Lung;Chen, Yen-Ming J. 許永明
貢獻者:	風管系
關鍵詞:	Vehicle insurance;Road traffic accidents;Bonus–malus system;Adverse selection
日期:	2015-04
上傳時間:	2015-09-02 17:41:20 (UTC+8)
摘要:	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.
關聯:	Transportation Research Part A: Policy & Practice, 74, 201-209
資料類型:	article
DOI 連結:	http://dx.doi.org/10.1016/j.tra.2015.02.015
DOI:	10.1016/j.tra.2015.02.015
顯示於類別:	[風險管理與保險學系] 期刊論文

文件中的檔案:

檔案	描述	大小	格式	瀏覽次數
201-209.pdf		270Kb	Adobe PDF2	941	檢視/開啟

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