Department of International Business, Asia University, Taiwan.
Accid Anal Prev. 2013 Jan;50:64-72. doi: 10.1016/j.aap.2012.03.026. Epub 2012 Apr 23.
This paper investigates the characteristics of automobile accidents by taking into account two types of automobile insurance coverage: comprehensive vehicle physical damage insurance and voluntary third-party liability insurance. By using a unique data set in the Taiwanese automobile insurance market, we explore the bundled automobile insurance coverage and the occurrence of claims. It is shown that vehicle physical damage insurance is the major automobile coverage and affects the decision to purchase voluntary liability insurance coverage as a complement. Moreover, policyholders with high vehicle physical damage insurance coverage have a significantly higher probability of filing vehicle damage claims, and if they additionally purchase low voluntary liability insurance coverage, their accident claims probability is higher than those who purchase high voluntary liability insurance coverage. Our empirical results reveal that additional automobile insurance coverage information can capture more driver characteristics and driving behaviors to provide useful information for insurers' underwriting policies and to help analyze the occurrence of automobile accidents.
综合车辆物质损害保险和自愿第三方责任保险，通过使用台湾汽车保险市场的独特数据集，研究了捆绑汽车保险范围和索赔的发生。结果表明，车辆物质损害保险是主要的汽车保险范围，并影响购买自愿责任保险范围作为补充的决策。此外，高车辆物质损害保险范围的投保人提出车辆损害索赔的可能性显著更高，如果他们另外购买低自愿责任保险范围，他们的事故索赔概率高于购买高自愿责任保险范围的投保人。我们的实证结果表明，额外的汽车保险范围信息可以捕捉到更多的驾驶员特征和驾驶行为，为保险公司的承保政策提供有用信息，并有助于分析汽车事故的发生。
