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    题名: Asymmetric Information Problems in Taiwan`s Automobile Insurance Market: The Effect of Policy Design on Loss Characteristics
    作者: Wang, Jennifer L.
    王儷玲
    贡献者: 風險管理與保險學系
    日期: 2004
    上传时间: 2015-10-26 17:42:36 (UTC+8)
    摘要: This article investigates asymmetric information problems for the automobile insurance market in Taiwan. Using panel data for the comprehensive automobile insurance coverage from 1995 to 1999, this article analyzes how types of coverage, deductible amounts, and experience ratings have affected the adverse selection and moral hazard problems in Taiwan`s automobile insurance market. The empirical results provide partial evidence to demonstrate that the loss frequency and loss ratio were reduced by the addition of self-selection mechanisms in policies with different levels of coverage. In addition, the deductible amounts, experience ratings, and better control of underwriting and claims processing were shown possibly to have decreased potential losses from adverse selection and moral hazard problems.
    關聯: Risk Management and Insurance Review, 7(1), 53-71
    数据类型: article
    DOI 連結: http://dx.doi.org/10.1111/j.1098-1616.2004.00036.x
    DOI: 10.1111/j.1098-1616.2004.00036.x
    显示于类别:[風險管理與保險學系] 期刊論文

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