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1
Chen, Huijun. "Automobile insurance claim reserve modeling." Thesis, McGill University, 2013. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=119758.
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This thesis describes a model for predicting individual claim losses and estimating the capital reserve for the automobile portfolio of a large Canadian insurance company. Depending on the nature of a claim, its settlement can involve medical costs, rehabilitation costs, income compensation costs, optional coverage costs, and even death benefit coverage. Any combination of these costs can occur, and the dependence between them must be accounted for. To this end, a two-level hierarchical structure is adopted. First, a multinomial logistic model is used to predict the combination of costs associated to a claim. The claim severity is then modeled as a function of this composition. A Log-Normal model is used to predict different types of loss; claimant information, accident information, medical and legal report information serve as explanatory variables. The dependence between medical, rehabilitation and income loss is characterized by a Gumbel copula. A Bayesian framework with Markov Chain Monte Carlo sampling is adopted to estimate jointly the copula regression model parameters. Simulations are carried out to obtain prediction of individual loss, the distribution of total portfolio loss and the capital reserve.<br>Ce mémoire décrit un modèle de prévision des coûts d'indemnisation des particuliers et l'estimation de la réserve de trésorerie du portefeuille automobile d'une grande compagnie d'assurance canadienne. Selon la nature d'une réclamation, son règlement peut comporter des frais médicaux, des frais de réadaptation, une compensation pour perte de revenus, le paiement d'avantages facultatifs, voire même une prestation pour décès. Toute combinaison de ces coûts est susceptible de se produire et leur dépendance doit être prise en compte. Une structure hiérarchique à deux niveaux est adoptée à cet effet. Un modèle logistique multinomial permet d'abord de prédire la structure decoût associée à une réclamation. La gravité des sinistres est ensuite modélisée en fonction de cette structure. Un modèle log-normal permet de prédire divers types de coûts ; des renseignements sur l'assuré, la nature du sinistre, les rapports légaux et médicaux servent de variables explicatives. Une copule de Gumbel caractérise la dépendance entre les frais médicaux, les frais de réhabilitation et la compensation pour perte de revenus. Un cadre bayésien avec échantillonnage par chaîne de Markov Monte-Carlo conduit à une estimation conjointe des paramètres du modèle de régression avec copule. Des simulations permettent de prédire le coût total d'une réclamation ou du portefeuille,ainsi que la réserve de trésorerie.
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Matevosyan, Hasmik <1993>. "Risk Prediction in Automobile Insurance." Master's Degree Thesis, Università Ca' Foscari Venezia, 2018. http://hdl.handle.net/10579/13433.
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The relationship between individual risks and the number of claims in automobile insurance has received growing attention over recent years among industry practitioners. The number of people who purchase cars grows exponentially. Risk managers of insurance companies need to deal with a variety of risks concerning vehicles and try to predict them as accurate as possible to avoid losses or to minimize them. For this reason, in this thesis I will examine different risk variables and models for these variables in the car insurance sector. The analyses are done based on the econometric approach. The main problem of the thesis concerns the risk prediction by count data models in the automobile insurance. First, the analysis will be done by Poisson regression model using maximum likelihood estimator. Then the Gamma heterogeneity will be taken into account and the negative-binomial regression model will be discussed. The latter provides a framework for the bonus-malus scheme. The extensions of Poisson regression will also be considered in this thesis. The models will be applied to the real data and the estimation results will be discussed at the end of the thesis.
3
Liu, Fan. "Essays on Accident Forgiveness in Automobile Insurance." Digital Archive @ GSU, 2012. http://digitalarchive.gsu.edu/rmi_diss/31.
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Accident forgiveness, often considered as a type of "premium insurance," protects the insured against a premium increase if an at-fault accident occurs. Although accident forgiveness has received considerable attention in the auto insurance industry, there is little or no literature on accident forgiveness in the actual contract. In this dissertation, I use dynamic modeling to examine optimal insurance contracts with an accident forgiveness option and further use a structural modeling approach to investigate the impacts of risk and time preferences on the accident forgiveness contract purchase. This study attempts to improve our understanding of the implications of this new type of insurance option. The first essay develops an asymmetric learning model in which insurers compete to attract policyholders. When information about previous at-fault accidents is not shared perfectly by insurers in the market, information asymmetries arise between the initial insurer and the rival insurer, as well as between the insured and the insurer. I design an auto insurance contract with accident forgiveness that charges policyholders higher-than-market premiums according to their risk types in the first period and then experience-rates both types in the second period contingent on their previous at-fault accidents. Contrary to the prior literature, which elicits competition as the reason to temper the effects of experience rating, this model is built such that accident forgiveness is the device to temper experience rating. This contract attracts policyholders since it "forgives" at-fault accidents and provides "rewards" in terms of coverage and premiums for those who remain accident-free. Risk and time preferences influence a variety of economic behaviors. In the field of insurance economics, attitudes toward risk and time are likely to affect the insurance purchase decision. As can be observed in the auto insurance market, when offered an optional accident forgiveness policy from insurers, the insured shows different purchase patterns, regardless of driving behavior. The question of whether and how individual risk aversion and discount rates affect the accident forgiveness purchase decision is critical to understanding contract design. In the second essay, by conducting a unique experiment under controlled laboratory conditions, I examine the role of risk and time preferences in accident forgiveness contract purchase and determine that individual discount rates and product prices are significant factors. Interestingly, I also find evidence that less risk-averse policyholders generally behave more like risk-neutral agents when making insurance decisions. Risk attitudes affect insurance decision-making only among those with a relatively high degree of risk aversion.
4
Rose, James Cooper. "An expert system model of commercial automobile insurance underwriting." The Ohio State University, 1986. http://rave.ohiolink.edu/etdc/view?acc_num=osu1273149457.
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Kowalsky, Thomas Paul. "A case study of special interest influence in the development of Pennsylvania Act 942 the Pennsylvania motor vehicle financial responsibility law of 1984 /." Instructions for remote access. Click here to access this electronic resource. Access available to Kutztown University faculty, staff, and students only, 1985. http://www.kutztown.edu/library/services/remote_access.asp.
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Arvidsson, Sara. "Essays on asymmetric information in the automobile insurance market." Doctoral thesis, Örebro universitet, Handelshögskolan vid Örebro universitet, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:oru:diva-12279.
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Berthiaume, Adèle. "No-fault automobile insurance and the conflict of laws." Thesis, McGill University, 1986. http://digitool.Library.McGill.CA:80/R/?func=dbin-jump-full&object_id=66123.
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Mürmann, Alexander, Alois Geyer, and Daniela Kremslehner. "Asymmetric Information in Automobile Insurance: Evidence from Driving Behavior." Wiley Periodicals, Inc, 2019. http://dx.doi.org/10.1111/jori.12279.
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Based on a unique data set of driving behavior we test whether private in-
formation in driving characteristics has significant effects on contract choice
and risk in automobile insurance. We define a driving factor based on over-
all distance driven, number of car rides, and speeding. Using local weather
conditions, we account for the endogeneity of the driving factor. While this
driving factor has an effect on risk, there is no significant evidence for se-
lection effects in the level of third-party liability and first-party insurance
coverage.
9
Osman, M. A. M. A. M. "A new approach to automobile insurance ratemaking by quantitative techniques." Thesis, City University London, 1986. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.373328.
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Tian, Xiaoguang. "Hybrid Models in Automobile Insurance: Technology Adoption and Customer Relations." Thesis, University of North Texas, 2019. https://digital.library.unt.edu/ark:/67531/metadc1538717/.
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Customer relationship management (CRM), a primary activity in the business value chain to relate to the customer, involves solicitation, analysis, and the use of the knowledge about the customer to provide goods and services through effective and efficient methods. It is a wise strategy and source of competitive advantage for customer behavior understanding and business performance management. The use of information technology (IT) in CRM allows companies to simplify their processes, to integrate product or service related decision making with the business strategies, and to optimize their operations by embracing analytical techniques. The insurance industry is facing unprecedented challenges and decisions in this data-driven business paradigm. It is a strategic necessity for customer-centric insurers to utilize emerging IT capability to support interactions between customers and business operations. The research in the dissertation seeks to provide insights into the application of early technology innovation and data-driven strategies by investigating the following two groups of CRM technology issues: technology adoption and data-driven technology application. Through three essays, the dissertation explores the use of information technology and data analytical tools to provide insight into how automobile insurance companies make decisions regarding their relationships with their customers. The results from these studies provide a framework for managers to devise effective approaches to enhancing the performance of their business.
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Al-Bahar, Ali H. "A study of the insurance market with special reference to the price system for auto insurance in Kuwait." Thesis, University of Sunderland, 2001. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.340579.
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Peng, Sheng-Chang, and 彭盛昌. "The Economics of Automobile Insurance." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/50633913351082430281.
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博士<br>逢甲大學<br>商學研究所<br>97<br>Asymmetric information has been an essential issue in insurance studies. In the insurance market, asymmetric information refers to the situation in which insurers cannot completely identify the risk type regarding individuals who would like to purchase insurance. This phenomenon, therefore, can occur between insurers and customers, and mainly emerges from adverse selection and moral hazard. This dissertation examines the existence of asymmetric information in the Taiwanese automobile physical damage insurance market. The first chapter tests the occurrence of insurance fraud in the automobile insurance market. The empirical analysis demonstrates the unusual characteristics in the month before expiration, indirectly proving the existence of ex post moral hazard. Furthermore, the evidence also supports that car dealers induce policyholders to file fraudulent claims. The second chapter verifies that the unknown perils coverage creates induced claims. The empirical evidence reveals that a special insurance contract which is permitted to reimburse the insured with the claimed loss without requiring any verification can induce the occurrence of moral hazard. Aside from asymmetric information regarding risk type, the third chapter examines the effect of private information regarding risk preference. By employing the demand of voluntary automobile liability insurance as a proxy of risk aversion, the analysis further presents a different dimension of asymmetric information in the automobile insurance market.
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HSU, CHIEN-SUNG, and 許堅松. "Annual mileage and automobile insurance." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/71996697668326146103.
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碩士<br>逢甲大學<br>風險管理與保險研究所<br>99<br>Automobile insurance accounts for 50% of the overall non-life insurance market in terms of premium volume and is the major source of profit for most of insurance companies in Taiwan. Vehicle factors and human factors are the major risk classifications applied in motor rating formula. By examining the correlation between vehicle annual mileage and vehicle factors based on a 4-month claims data extracted from a local insurance company, this study explores if vehicle annual mileage should be considered as a rating variable to make current rating structure more fair.
The results show that two vehicle factors, vehicle age and vehicle with engine displacement less than 1800cc, play significant role on claims. It is found that reported claims increases with vehicle age but the trend is not significant from drivers’ point of view. As far as the vehicle annual mileage is concerned, it is suggested that insurance companies start to build related database for future analysis purpose. After the adoption of deregulation in voluntary automobile insurance market, vehicle annual mileage should be taken into consideration as a rating variable in rating structure to reflect the fairness of motor rating.
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Sun, Teng-Min, and 孫騰敏. "The Research of Automobile Insurance Fraud." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/55315347381202672962.
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碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>96<br>Automobile insurance fraud is an issue that has fallen on deaf ears in Taiwan’s insurance market and there is no sufficient statistics for reference. In fact, the insurance fraud is common in our insurance industry. In life insurance market, the breach of disclosure and the double insurance dispute are often involved in moral hazard. Furthermore, the abnormal losses are also found in the non-life insurance industry, especially in the marine cargo insurance, the fire insurance and the automobile insurance. This situation which leads loss ratio much higher than normal can not be neglected. Insurance fraud makes high profit especially when the economy goes to depression. The rapid growth of Insurance Fraud could be a threat to an insurance company. Thus, this research, 「The Research of Automobile Insurance Fraud」 divides the automobile insurance fraud into two major parts, one is underwriting and the other is claim. There are 20 types of automobile fraud. The top 3 causes are applying for insurance after loss on underwriting side, making up an insurance loss and making fake insurance accidents on claim side.
In order to identify, avoid and prevent the insurance fraud for insurance companies, consumers, government and other related parties, there are 4 conclusions in this research. The first is to understand and analyze the types of insurance fraud. The second is to enhance the professional training for insurance employees. The third is to conduct internal auditing. The last is to enforce legal guidance for cooperating shops and related parties.
This research concludes two ideas that could be provided to the non-life insurance operation. The first idea is to make anti insurance fraud law into practice. The contents are to enforce the function of the insurance anti-fraud institute of the R.O.C., to establish the dynamic tracking system of the insurance fraud, to set up the special telephone line for informing the crime and rewards, to amend related laws, to set up anti insurance fraud policy unit, to establish the network among the insurance industry, the medical industry, and the police, to educate more on insurance. The second idea is more cooperation to the insurance industry, including professional anti-fraud training, anti insurance fraud reporting system, insurance product design enforcement, international market linking, and social responsibility.
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謝榮軒. "On Reasonable Rate of Automobile Insurance." Thesis, 2016. http://ndltd.ncl.edu.tw/handle/71340181292090608635.
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碩士<br>逢甲大學<br>統計學系統計與精算碩士班<br>104<br>Since started implementing the rate deregulation in non-life insurance market on April 1, 2002, each non-life insurance company evaluates rates on itself, but it created some problems. Since the supervision authority hastily open markets, it leads to vicious competition among property and casualty insurance companies; consequently, the inadequate premium rate undermined the original solvency of the insurance companies. The supervision authority proposed the third supervision on the rate deregulation in non-life insurance after third stage of rate deregulation. It hoped to improve inadequate rate on insurance company.
Insurance company’s sustainability is an important topic of reasonable rates. The loss rate is basis of the authority’s supervision on the insurance company’s premium rates. This thesis compares the difference for rate supervision on Florida state and California state in the U.S. These two states supervision base on earned premiums and profit margins. That is quite different from Taiwan which bases its supervision on loss rates.
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Hsu, Sheng-Jen, and 許勝仁. "Data Mining Pattern on Ratemaking of Insurance Company-Automobile Damage Insurance." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/64083669552914442917.
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碩士<br>國立高雄第一科技大學<br>風險管理與保險所<br>91<br>Companies have been collecting data for decades, building massive data warehouses in which to store it. Even though this data is available, very few companies have been able to realize the actual value stored in it. The question these companies are asking is how to extract this value. The answer is Data mining.
Clustering analysis is the common way to analyze the data when making data mining. There are many technologies available to data mining practitioners, including Artificial Neural Networks, Regression, and Decision Trees. This study using Self-Organization Map of artificial neural network for data mining.
In this study, based on the techniques of data mining, we propose a pattern that utilizes the Two-level self-Organization Map (SOM) of artificial neural network to cluster the data of Automobile Damage Insurance. This study tries to find the features and the characteristics of underwrite and claims data by the analysis of each cluster and to discover the potentially useful information, by the construction of a ratemaking pattern. Through this pattern, insurance companies can adjustment their premium rate pricing strategies in the deregulation of insurance market.
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Yuan-Yu, Kao, and 高永煜. "Study on Business Performance in Insurance Industry-Base on Automobile Insurance." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/25863330069927695617.
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碩士<br>玄奘大學<br>國際企業學系碩士班<br>97<br>During the past decade, the property-liability insurance industry faces more and more competitive in Taiwan. the operation efficiency of the property-liability insurance company is the key factor to survive in such competition circumstance. Therefore this research utilization material envelope analytic method CCR, BCC, the BI pattern, by three investment items (staff population, running cost, Branch office), three produces the outlay (direct bamboo slip single insurance premium, investment income, reinsurance to spend income) to appraise my domestic product danger management achievements and the scale reward. By the sensitivity analysis, discusses each investment variable to produce the danger industry transport business achievements influence relations, will aim at 15 property insurance companys with their population and the branch counts the grouping to carry on the contrast efficiency analysis and to provide the future improvement direction.
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CHAN, CHIEN-CHUNG, and 詹健忠. "A Study on the Insurance Obligation of Compulsory Automobile Liability Insurance." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/g5xbwu.
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碩士<br>東吳大學<br>法律學系<br>107<br>According to the statistics of the National Police Agency, there were a total of 304,821 traffic accidents in Taiwan in 2018, resulting in the death of 1,457 people and the injuries of 303,364 people, equivalent to an average of 4 deaths and 831 injuries in car accidents per day. Deaths caused by the uncertainty of traffic accident occurrence often lead to heavy economic burdens on the families of the victims and the entire society. Consequently, the provision of Article 6 of the current Compulsory Automobile Liability Insurance Act of the R.O.C. specifies that vehicle owners, users, or managers shall ensure they maintain the validity of the insurance contract. In addition, the provisions of Articles 49 and 51 of the same Act also specify the subsequent handling related to the penalty for failure of insurance enrollment and the administrative fine for the failure of payment.
In view of the domestic literature related to the Compulsory Automobile Liability Insurance Act, most of the literature focuses on the studies of the protection scope, liability basis, compensation practice, protection deficiency, etc. of the victims; however, there are no papers that focus on the study from the aspects of insurance enrollment obligation and penalty for violation of such obligation as well as the administrative remedy. In this research, through the “literature analysis method” and “case study and judgment analysis method”, the overview of the compulsory automobile liability insurance system is described to discuss the protection subject, scope, and property of the insurance enrollment obligation. Next, the current status of complaints and rulings, appeal decision of the present road supervisory agency, and the administrative court judgments in practice are analyzed. In addition, subsequent administrative dispute remedies filed for disagreement with the court judgments are further discussed in detail. Finally, based on the study of the legislative system, further examination is conducted in accordance with the legal principle of equality and the principle of proportionality in order to summarize the cause of violations of insurance enrollment obligation, and effective improvement methods, along with the consideration of the actual facts that have occurred and the theoretical solutions, in light of proposing recommendations for subsequent legislative amendments, improvements to practical operations, and serving as a reference for further research and study.
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Li, Jing-jing, and 黎晶晶. "Psychological effects on Insurance:Evidence from Automobile Insurance." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/tqt26g.
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碩士<br>玄奘大學<br>企業管理學系碩士在職專班<br>102<br>Automobile becomes our daily needs for transportation purpose in the modern society. Whether high-risk persons tend to buy more insurance coverage has been always considered as a controversial issue of insurance operations. Economists announce that when high-risk persons have private information about their own risk, self-interest will motive them to buy more insurance coverage, however, empirical results shows somehow inconclusive results or even contradictory about adverse selection in the last two decades. Previous econometric empirical works have several flaws. First, results might be confounded by moral/morale hazard due to using ex post risk rather than ex ante risk. Second, the effect of risk perception on insurance coverage selection is hard to be observed. Third, most studies are based on the assumptions that policyholders are identical risk preferences. This study recruits voluntary automobile liability insurance policyholders who are newly eligible and are registered in Taiwan area as participants. The present study will adopt ex ante risk as variables by utilizing a newly developed method, and attempts to investigate the moderating effects of prevention focus on policyholders’ decisions of insurance coverage selection. We attempt to do our best effort to deal with several puzzles of insurance behavior by utilizing psychology framework. The overall findings might be provided as a new approach for helping insurance companies to construct their underwriting policy, pricing decisions and loss prevention technique to diminish the phenomenon of adverse selection.
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Chen, Ya-Ling, and 陳雅齡. "Research of the Automobile Insurance Adjustment Case." Thesis, 2009. http://ndltd.ncl.edu.tw/handle/68184918357314986149.
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碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>97<br>Soon after the development of living, the risk of insurance has become more and more various robust. However, the growth of the variety of insurance products and the insured population has increased the number of the disputes. In particular, Automobile insurance disputes. This initial discussion highlights the defects of the automobile insurance system. A case study was chosen as the method to efficiently grasp the magnitude of this phenomenon. The goal of this research is to go beyond the problems , but also find truthful transparent resolution. By using this research, the property insurance industry can discover and thoroughly the potential problems and can suggest for future corrections.
This research is base on cases of the current voluntary automobile insurance and compulsory automobile liability insurance. By analyzing these cases step by step and discussing the controversy of relative problems by uncovering potential problems. This research is a methodical approach to finding solutions to these recurring problems. In addition, offer suggestions for improvement in accordance to the current insurance law and insurance problem resolution procedure. This research can be used as future reference tool for improvement of Automobile insurance system.
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Liu, Chang Chung, and 劉漢中. "Operation of the automobile insurance in R.O.C." Thesis, 1993. http://ndltd.ncl.edu.tw/handle/09814911509070230376.
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Chen, Yu-Wen, and 陳毓雯. "The impact of automobile choice on the risk of automobile physical damage insurance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/36977708748753866540.
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碩士<br>淡江大學<br>保險學系保險經營碩士班<br>103<br>The study discusses the impact of automobile choice (car type and equipment) on the risk of automobile physical damage insurance. We use logistic regression, negative binomial regression and simple regression to analyze loss probabilities, loss frequencies and loss severities. Expect for using risk factors which insurance companies using now, we add living and marriage factors to analyze.
The study shows that the risk degree of Recreational Vehicle (RV) is lower than other car type, but the sport utility vehicle (SUV) is higher than others. In addition, about car equipment, we analyze the relationship between airbag, braking system and parking assist system and loss. For loss probabilities and loss frequencies, the car equipped braking systems are safer. But for loss severities, the risk degree of car equipped more airbags and braking systems are higher than other car. Expect for car structure, the psychological factors of insured plays an important role in the influence of risk degree of automobile physical damage insurance, so the study makes suggestions on insurance company to aware of these factor when calculate premium.
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Ho, Ko-fan, and 何克凡. "Problems with the definition of automobile accident in Compulsory Automobile Liability Insurance Act." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/18343678875883130818.
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碩士<br>國立臺灣大學<br>法律學研究所<br>103<br>According to Article 13 Compulsory Automobile Liability Insurance Act (hereinafter referred to as CALI Act or the/this Act), four requirements are designed to determine whether the legal entitlement exists. The four elements set forth as follows:「Motor Vehicle」、「Used or Managed」、「Causation」 and 「Injuries or loss of life(Death) to a passenger or a third party outside the vehicle.」As is apparent, the entitlement language of this Article is ambiguous. Thus, a number of issues remain confusing and unresolved over the past decades. This paper that examines with reference to decided cases and discusses issues in comparison with other countries’ approach is seeking to simplify the complexity in terms of the applicable scope of Article 13.
In this paper, I propose a standpoint to see Legislature’s adoption of this Act as an action to adopt 「the special reparation system,」 and therefore, any interpretation should be made based solely upon CALI Act and its respective purposes rather than others, and particularly, should not be bound by the statutory presumption of fault principle adopted by Article 191-2 of Civil Code.
With regard to the interpretation of the first element a “motor vehicle,” many Courts used definition codified in Highway Traffic Act, and allowed self-assembled vehicles and farm equipment or farm vehicles which are not mandated to carry financial responsibility by CALI Act to be qualified for benefits and coverage through Article 40 of the same Act. Such application is obviously erroneous and self-contradictory. In this aspect, this paper is hoping to urge the Legislature to amend and redefine the term “motor vehicle” and further specifically exclude certain types of vehicles, including but not limited to, snowmobiles, all-terrain vehicles, and self-propelled or self-assembled machines or vehicles exclusively used for agriculture.
As for the second element “used” or ‘’managed,” most Court failed to differentiate one (used) from the other (managed). This paper suggests that these two terms be distinguished and separately examined, and circumstances whether a stationary motor vehicle or the one in motion is involved should too be identified. Furthermore, it should be considered “used,” when injury is arising out of a person’s act engaged into an inherent use of a motor vehicle. As for “managed,” the following two criteria are suggested by the author to use in examination with the “managed” requirement: “the method used to manage the motor vehicle cannot create unreasonable risk of danger” and “loading or unloading vehicular equipment or others should be deemed as managed.”
For the causation rule, to be noted that in this paper,「the scope of the rule theory」is adopted by the author in consideration of the public policy and the doctrine of equity as a premise to make several conclusions and analyses.
As to the fourth element regarding “injuries or death to a passenger or a third party outside the vehicle,” compared with other countries’ no fault automobile laws, CALI Act specifically excludes the entitlement of the driver of a motor vehicle, but acknowledges the third party outside the vehicle while meeting requirements shall be qualified for benefits regardless of the location. This paper agrees with this point of view that third party’s coverage should not be denied due to the geographical considerations.
Finally, the language used in Article 28 Section 1 Subsection 1 and Subsection 2 is equivocal and creates numerous problems. The wording “it through a deliberate act” in subsection 1 is ambiguous and in lack of other supporting definition as to its meaning and scope. Thus, circumstances such as a person who is injured while operating a motor vehicle in a race or speed test or while operating or occupying a motor vehicle known to be stolen would have become insurmountable dilemmas for the Court. Furthermore, subsection 2 only contains injuries through a criminal act, it fails to contemplate situations where the injuries sustained while seeking to avoid lawful apprehension or arrest by a law enforcement officer, which most likely is merely an act ensued a criminal act rather than a criminal act itself. Encountered with the above problems, most Courts would have to “borrow” the causation theory to exclude the injured party from entitlement. However, such approach cannot offer a permanent solution to the problems, and it is necessary for the Legislature to take an imminent action to amend the Act and cover all of the afore-mentioned loopholes.
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Yu, Huang-Cheng, and 游鴻政. "Evaluating Loss Reserves for Compulsory Automobile Liability Insurance." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/16254339848513055159.
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碩士<br>逢甲大學<br>統計與精算所<br>94<br>Loss reserves divided into ‘Reserves for Known Claims’and ‘‘Reserves for UnKnown Claims’ will begin not to be suitable since the 2006. They will be merged into one by the two and depend on the claims settlement experience and expenses in the past. Then loss reserves are allotted according to the way which the competent authority appointed or agreeing,
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Lin, Joy, and 林忠誼. "On Evaluation of High Deductibles in Automobile Insurance." Thesis, 1997. http://ndltd.ncl.edu.tw/handle/54174615084185630263.
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Vale, João Bernardo do. "Using data mining to predict automobile insurance fraud." Master's thesis, 2012. http://hdl.handle.net/10400.14/15529.
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This thesis presents a study on the issue of Automobile Insurance Fraud. The purpose of
this study is to increase knowledge concerning fraudulent claims in the Portuguese market,
while raising awareness to the use of Data Mining techniques towards this, and other
similar problems.
We conduct an application of data mining techniques to the problem of predicting
automobile insurance fraud, shown to be of interest to insurance companies around the
world. We present fraud definitions and conduct an overview of existing literature on the
subject. Live policy and claim data from the Portuguese insurance market in 2005 is used to
train a Logit Regression Model and a CHAID Classification and Regression Tree.
The use of Data Mining tools and techniques enabled the identification of underlying fraud
patterns, specific to the raw data used to build the models. The list of potential fraud
indicators includes variables such as the policy’s tenure, the number of policy holders, not
admitting fault in the accident or fractioning premium payments semiannually. Other
variables such as the number of days between the accident and the patient filing the claim,
the client’s age, and the geographical location of the accident were also found to be relevant
in specific sub-populations of the used dataset.
Model variables and coefficients are interpreted comparatively and key performance results
are presented, including PCC, sensitivity, specificity and AUROC. Both the Logit Model
and the CHAID C&R Tree achieve fair results in predicting automobile insurance fraud in
the used dataset.
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Hsu, Ming-Chen, and 徐敏珍. "The Information Asymmetry of Compulsory Automobile Liability Insurance." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/79769941270072171094.
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碩士<br>國立政治大學<br>經營管理碩士學程(EMBA)<br>94<br>The Compulsory Automobile Liability Insurance Law has been enforced since January 1, 1998, the spirit of the law and the goodwill lay behind it were highly praised by the general public. However, as the social security system continuously has developed and evolved, the law was deemed insufficient and inadequate. Therefore, experts and scholars proceeded to review the law and finally in February 5, 2005, a revision of the law was announced to the public and officially enforced in 1st March the same year.
Since the risk classification of Compulsory Automobile Liability Insurance directly reflects on rate calculation, information asymmetries can easily cause moral hazard. As the insured and insurers have significant information gap, insurers cannot categorize reasonably the characteristics of insured's risks, the premium calculation therefore can be affected by external noises that leads to serious moral hazard. To reduce the cost of information asymmetry, insurance brokers or agents becomes the insured and insurers' important intermediary for transmitting information. How to build sound operating norms, share the work, position insurance brokers or agents and reduce the negative impact on information asymmetry have turned out to be very important supervisory topics of Compulsory Automobile Liability Insurance.
This study is mainly examining the existing Compulsory Automobile Liability Insurance system; regulating insurance brokers or agents effectively; strengthening insurance and traffic supervision operations to decrease the cost for information asymmetry; discussing specific measures such as the establishment of premium check center so as to ensure the accuracy of claim information, the transparency of financial information; in addition, implementing the differentiation management strategies of the insurers. The specific recommendations are summarized as following five points:
1. Establish official website for Compulsory Automobile Liability Insurance and strengthen the disclosed information;
2. The insurance check in traffic supervisory operations shall be integrated with premium check center so that agency costs can be lowered;
3. Put into effect the insurers' internal audit to build up the standard of processes of underwriting and claims;
4. Establish the rating system for insurance brokers or agents so as to maintain fair market competitions;
5. Simplify the classification of type of vehicles and rate calculation to avoid moral hazard.
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Chen, Chi-Chang Season, and 陳志昌. "Artificial Neural Network Applied to Automobile Insurance Ratemaking." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/93218385427328142344.
Full textAbstract:
碩士<br>國立政治大學<br>風險管理與保險研究所<br>92<br>In the past five years, the insured rate of Automobile Material Damage Insurance (AMDI) has been declined but the loss ratio is climbing, in contrast to the decreasing trend in the loss ratio of the compulsory automobile liability insurance. By charging corresponding premium based on individual risks, we could attract low risk entrant and reflect the highly risk costs. The loss ratio can thus be modified to a reasonable level. To further illustrate the concept, we aim to take the AMDI to study the most efficient estimator of the future claim. Because the relationship of loss experience (input) and future claim estimation (output) is similar to the human brain performs. We can analyze the relation by minimum bias procedure and artificial neural network, reducing error with overall rate level could go through with minimum error of classes or individual, demonstrated using policy year 1999 to 2002 data.
According to the thesis, cross subsidization exists in Automobile Material Damage Insurance. The new rate produced by minimum bias estimate can alleviate the unbalance between the premium and loss. However the neural network classification rating can allocate those premiums more fairly, where ‘fairly’ means that higher premiums are paid by those insured with greater risk of loss and vice-versa. Also, it is the more efficient than the minimum bias estimator in the panel data.
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Ting, Tsung-Jung, and 丁宗榮. "A Study on the Automobile Renewal-Using Automobile Third Party Liability Insurance as an Example." Thesis, 2002. http://ndltd.ncl.edu.tw/handle/19454207265051657954.
Full textAbstract:
碩士<br>國立高雄第一科技大學<br>風險管理與保險系<br>90<br>The revenue of automobile insurance occupies a great portion of the whole property insurance sales, achieving up to 57.65% in 2000. It resulted in a phenomenon that sales revenue of automobile insurance leads the operation of insurance companies. In consequence, all insurance companies make every effort to run this business. As the automobile insurance in Taiwan is a mode of single-product market and there are no significant differences among the insurance products, so the competition of property insurance companies reveals an unsound price contest. According to the past development, it indicates that automobile insurance business, lack of integrated planning, is filled with speculative operation schemes. Apparently, it is not in accordance with the "stable and sound" principle the insurance industry cares most. This paper intends to take automobile third party liability insurance as an example, to study the linkage of each variable and automobile insurance renewal. It is anticipated to find the relatively effect factors from current customer groups by adopting Logistic regression. The empirical findings of this research indicate that factors, such as marriage status, insurance-accepting area, way of payment, premium of towing-service card, have an impact on the renewal. It also provides adaptive measures of automobile insurance marketing strategies for reference of the property insurance companies while making strategies of their own.
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Chen, Rong-Sen, and 陳榮森. "THE INSURED'S OPTIMAL RETENTION OF AUTOMOBILE INSURANCE IN TAIWAN." Thesis, 1998. http://ndltd.ncl.edu.tw/handle/01331556512650244721.
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Hua, Hsu Chen, and 徐振華. "Establishment of Severity Model on Automobile Material Damage Insurance." Thesis, 2004. http://ndltd.ncl.edu.tw/handle/95917825842273685794.
Full textAbstract:
碩士<br>東吳大學<br>商用數學系<br>92<br>This study discusses the C style in the automobile material damage insurance. The maximum likelihood estimation is applied to estimate parameter values for four distributions and then used to select a suitable distribution.
In order to take advantage of the limited fluction credibility estimator to estimate the credibility factor of pure premium and consider suitability of the pure premium, the frequency is assumed to be a Negative Binomial distribution and the frequency and severity are dependent. This study provides suggestions for future pricing..
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TSOU, PEI-LING, and 鄒佩玲. "Research on the Implementation of Usage-Based Automobile Insurance." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/4m5y25.
Full textAbstract:
碩士<br>逢甲大學<br>金融碩士在職專班<br>105<br>Ｍost industries are positive to try to cooperate with big data technology, property insurance of industry is also not falling behind and development of『Usage-Based Insurance』.
In the field of insurance, risk classification has always been a problem. In April 2009, Taiwan has implemented the rate liberalization before; the automobile insurance market has always been under the supervision for a unified rate. After the rate liberalization, the products of the insurance company are more diversification, and active in develop the limit of car damaged insurance, the limit of driver and other policy items, hoping to achieve discount benefits to increase automobile insurance coverage, But the effect is not good. When the claims are getting higher and higher, the insurance premium is one of the causes for consumers to consider.
In addition to analysis of UBI benefits, a more detailed description of the can help consumers and insurance industry to better understood the implementation of UBI and the implementation of foreign. This study was analyzed and accessed by literature, advice base on different backgrounds, understand the market implementation, and explore the implementation of UBI. To balance between practice and the theory, and make the car insurance market much better.
The results found the UBI characteristics can be used in the car team management、monitor vehicle status, reduce the vehicle loss rate of theft, equipment costs can be paid on long-term policies, make premium more accurate, increase customer loyalty.
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Chen, Ke-Ming, and 陳克明. "The Liability Foundation of Compulsory Automobile Liability Insurance Law." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/69039346258997563386.
Full textAbstract:
碩士<br>國立臺灣大學<br>法律學研究所<br>96<br>After the amendment of Compulsory Automobile Liability Insurance Law in 2005, the liability insurance institution has been established. But the most important problem is what the liability foundation of Compulsory Automobile Liability Insurance is. To view the compensation liability about automobile traffic accident in the existing law, there is no liability whose liability constitutive elements can agree with the insurance provision elements of the liability insurance. So that a new liability foundation of Compulsory Automobile Liability Insurance should be advanced.
No matter the theory or legislation of strict liability is not very enough in Taiwan, so perspective of comparative law before the establishment of the new liability system is necessary. With reference to the comparative subject, this article select Germany, Japan and France whose compensation system is also the way of strict liability collocating with liability insurance. Expecting that through perspective of comparative law, the contents of strict liability could be more acquainted and useful to the establishment of the new liability system.
At last, this article would attempt to establish the new liability system of Compulsory Automobile Liability Insurance Law. About the contents of the new liability foundation, besides deliberating the spirit of strict liability theory, agreeing with the insurance provision elements of the liability insurance must be noticed. Therfore, the feature of the new liability system is departing from the tort law in the civil law.
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Tsao, Hsuan–Cheng, and 曹軒誠. "The Study of Automobile and Insurance Salesmens’ core Competency." Thesis, 2008. http://ndltd.ncl.edu.tw/handle/17247506280019185234.
Full textAbstract:
碩士<br>明道大學<br>管理研究所<br>96<br>The customer service is being paid attention in recent years, especially in the automobile industry and the insurance industry; however, the irregular of information needs specialized customer service receptionists to prove. The customer service receptionists of the automobile industry make the customers know which characteristics and which functions this car has; the customer service receptionists of the insurance industry can solve problems of customers and can resolve not understand well about the restriction or benefit of insurance…etc. Let customers know this product and the customer service receptionists are playing a very important role, and then because the automobile and insurance belong to the service industry with nature, there is a closer relationship on the business. In order to reach the optimization for the management and administration of the customer service center, it must take three important elements: (System)、 (Staff)、 (Skill), and when these three elements can complement each other, the customer service center could reach the maximization of the performance. In 3S, “Quality” is the most important with customer service receptionist, because each service all needs to finish through ” people ”, they are the soul center, the most central part of operation of the customer service center, and it is likely the most key-point.
This result of study is as follows:
The automobile and Insurance Salesmens’ service personnel's key ability have differentiates, especially there are obvious differences on the knowledge of the products and interpersonal relationships. There is positive influence on key ability in education and training.
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LAN, YUN, and 藍勻. "The Characteristics of Marketing Channelsin the automobile insurance market." Thesis, 2011. http://ndltd.ncl.edu.tw/handle/14015177008296296001.
Full textAbstract:
碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>99<br>As the marketing channel for insurance industry has become increasingly diverse, the characteristics of the channel and the business models vary under different sales systems, which lead to problems with different types of agents. There are numerous researches related to marketing strategies and development trends of channel. This study empirically analyzes the contract quality and loss condition under various sales channels from a different angle.
This article discusses auto liability insurance coverage including (1) collision (2) bodily injury (3) property damage liability by independent agents and exclusive agents. From further analysis of sample information provided by an insurance company with variables such as insurance age, sex, insurance amount, car brand and model, insurance premium, accident frequency, the following three points are understood:
1、Which of the channels, an independent agent or an exclusive agent, tends to sell insurance policy with higher protection? (to be discussed respectively in regard to three insurances)
2、Which of the channels, an independent agent or an exclusive agent, tends to sell insurance policy with a higher claim compensation ratio? (to be discussed respectively in regard to three insurances)
3、Which of the channels, an independent agent or an exclusive agent, has higher underwriting capability (through the observation of the loss ratio)? (to be discussed respectively in regard to three insurances)
The empirical results show that with the verification of Tobit regression model, as far as the claim compensation ratio during the observation period of insurer’s information is concerned, there is an obviously negative relationship between exclusive agent channel and loss ratio in comparison with independent agent channel, which means that the claim compensation ratio of the insurance policy sold by an exclusive agent is lower than that of an independent agent. Moreover, as far as the loss ratio of the contract is concerned, with the empirical analysis of OLS regression model, there is also an obviously negative relationship between exclusive agent channel and loss ratio in comparison with independent agent channel, showing that the insurance policy sold by an exclusive agent has a better loss ratio than that of an independent agent. In addition to that, with the verification of Probit regression model, it is discovered that there is a positive relationship between an exclusive agent and a policy with higher protection when selling the collision insurance.
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Lin, Chih-Hao, and 林志豪. "An Empirical Analysis of Automobile Insurance Risk Classification Policies." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/37953756844395136800.
Full textAbstract:
博士<br>逢甲大學<br>經濟學所<br>98<br>The purpose of this thesis is to empirically examine the risk characteristics of the imperfect risk classification policy, unlimited driver policy (ULDP) and limited driver policy (LDP), in Taiwan. In particular, this thesis is divided into two main parts. In the first part, the risk characteristics of the ULDP are considered as a benchmark analysis. In the second part, the risk properties of the LDP of a specific company are analyzed and the differences between the LDP and the ULDP are considered. Summarizing the results of the first part, since there are differences between rating factors and insured attributes, when the policyholder and the accident driver are different (PDD), age gap presents as husband/wife or parent/child disparity, and for PDD case risk is truly underestimated. Also, on regression analysis, the PDD case is riskier than when the policyholder and the accident driver are the same (PDS). For PDD case, a single male driver is more at risk, and the results imply that the main source of risk from the policyholder and the driver is the relationship between mother and child.
In the second part, the conclusions are that for the LDP with PDD case, the policyholder and accident driver''s age gap presents as husband/wife disparity, and the risk of LDP is lower than that of ULDP. In addition, for the LDP, the married policyholder is riskier than the single policyholder, and thus single policyholders purchasing LDP subsidize the loss from married policyholders. When grouped by marital status and gender, the loss of married female policyholders is the highest of any group for the LDP. From these findings, the excess loss problems exist in the LDP and can be mitigated by some basic mechanisms such as further classifying risk by marital status.
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Devi, Octaviani. "Portfolio rule‐based clustering at automobile insurance in Portugal." Master's thesis, 2016. http://hdl.handle.net/10362/19788.
Full textAbstract:
Internship Report presented as the partial requirement for obtaining a Master's degree in Data Science and Advanced Analytics<br>Defining pricing strategy is a challenge for every insurance company. Competition makes
insurers need to be more careful to adjust the premium since it may affect the reaction of the
existing customer or the new ones. Correspondingly, it may impact the relationship with customer,
also the profitability of the company. Moreover, the increment of number of policies will lead to the
diversity of policy’s risk profile and characteristics which becomes a challenge for insurer to manage
their portfolio. Therefore, a deep understanding of portfolio segmentation is important for the
company to fine tune the pricing strategy and gain more profit. The project aims to discover portfolio
clusters by using k‐means clustering algorithm and extract the rules of each cluster by developing
classification model using Decision Tree algorithm. The result of the model shows that the clusters
give different characteristics and behavior. Complement with KPI metrics, the company is able to
monitor the performance of each clusters. So that, the company may use the analyses to optimize
the strategy of growth and profitability.
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Yu, Hui-Yu, and 游輝育. "Predictive Analysis of Automobile Insurance on Time Series Data." Thesis, 2017. http://ndltd.ncl.edu.tw/handle/33994781090283444383.
Full textAbstract:
碩士<br>元智大學<br>資訊工程學系<br>105<br>Automobile insurers survey that call for the use of usage-based-insurance has been an emerging service as an automobile insurance to set the premium individually to each policyholder. Personalized automobile insurance mechanism posts challenges that are different from general driving behaviors analyzing in driver assistance applications. In this paper, a novel framework based on the boosted multiple kernel learning is proposed to reflect a driving risk level to each individual driver for automobile usage-based-insurance. In the proposed framework, a set of kernels is specified to represent the driving-oriented, driver-oriented, and lane-oriented attributes. These multiple kernels are carefully integrated by the AdaBoost technique to realize predicting. Experimental results on lab-recorded driving dataset in real-world conditions show the reliable performance of the proposed framework in terms of using different number of kernel scales and usefulness of different attributes.
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Lin, Yi-Hau, and 林逸豪. "Factorial Analysis on the Premiumsof Automobile Material Damage Insurance." Thesis, 2003. http://ndltd.ncl.edu.tw/handle/41044557445733155014.
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YU, CHIA-CHI, and 余家琪. "The Case Study of Automobile Liability Insurance Claim Payments." Thesis, 2018. http://ndltd.ncl.edu.tw/handle/6m465t.
Full textAbstract:
碩士<br>國立高雄第一科技大學<br>風險管理與保險系碩士專班<br>106<br>Generally, the insureds use the third liability insurance to share and pass on the risk of car accidents. However, claims adjusters of the property insurance company may not have enough right to negotiate the amount of compensation with victims. Neither defending the interests of the company nor dealing with the victim too long will be easy to raise the claims, and it will result in the insured faced with legal pressure.
This study discusses the differences of insurance payments among three different property insurance companies under similar conditions of accidents and the same third party liability insurance coverage. Why do they have different results when dealing with claims? Send the questionnaires to other property insurance claims adjusters and mediation committee members, with their years of experience in handling car accident to determine. Why these insurance companies are difference to generate?
This study finds that: in these three property insurance companies, A property insurance company property Insurance is more lenient in its claim and compensation, and it may be considered as the most insured service insurance company by the insured's position and legal liability. The voting rate of the mediation committee members accounted for 85.71%, and 88.31% of the high proportions were identified on the questionnaires of other property insurance adjusters.
On the other hand, the mediation committee believes that the hardest property insurance company is 85.71% of the B property insurance company, and the reason for not enough for the claimant's amount of authority is 45.71 %, and 32.86% for the property company's control odds, and 21.43% for the adjuster's experience value is insufficient.
Also, the most stringent and hardest property insurance company for claimants of other property insurance companies’ adjuster 85.71% of the B property insurance company. The reason for not enough for the claimant's amount of authority is 53 %, and 30% for the property company's control odds, and 17% for the adjuster's experience value is insufficient.
Hope the claimant service of property insurance company could refer to this study analysis, and become the indicator when insureds select property insurance company of service quality.
Keywords: the third liability insurance; service quality; mediator; liability insurance
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成振雄. "A Study for the Efficiency Improvement of Automobile Insurance Claim：An Example of C Insurance Company." Thesis, 2014. http://ndltd.ncl.edu.tw/handle/wpxw88.
Full textAbstract:
碩士<br>逢甲大學<br>金融碩士在職專班<br>102<br>With the raise of risk consciousness in recent years, the demand of automobile insurance is increasing. With the raise of consumers’ consciousness, various accesses to grievances and the quality of corporate service, the increasing demand of claim service causes the vicious cycle of the automobile insurance claim adjuster’s difficulty in dealing with claims cases, the predicament of training professional claim adjusters, the high dismiss rate, and the fresh graduates’ unwilling to be engaged in the job of automobile insurance claim adjusters. How to solve these problems is the main purpose of this study.
I use qualitative research and adopt the strategy of the case study. Make, execute and amend the strategies by targeting the subject of the study and collecting international references, data and industrial information as well as the interview. Also, I do overall revolution for the automobile insurance claim systems based on organization, education and information aspects.
Then, I explain the initial results of the case study of claim systems with many aspects. I suggest distribute into two parts, the first is how to re-enforce and execute these three aspects, and the other is to set profit canter from managing operation organizations, individuals, and the past systems of job responsibility to profit center. As putting the insurance theories into practice, salesperson is the front line role of checking insurance, evaluating the performance from how much insurance fee the company has earned to how much profit the company can earn. In this way, no matter salesperson, administration departments, insurance-checking and claims, they all have the same object which will make the company grow steadily and healthy.
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CHEN, HSIN-WEI, and 陳欣媺. "A Study on the Marketing of Automobile Insurance Networking in Taiwan’s Non-Life Insurance Industry." Thesis, 2019. http://ndltd.ncl.edu.tw/handle/5ydx4g.
Full textAbstract:
碩士<br>銘傳大學<br>風險管理與保險學系碩士在職專班<br>107<br>Automobile insurance plays a pivotal role in the property insurance market. Therefore, all property and casualty insurance companies pay attention to auto insurance marketing to obtain auto insurance business, so as to maintain a position in the property insurance market. However, with the change of consumption patterns and the popularity of the Internet, the use of the Internet as a sales channel has become a normal trend in various commercial marketing channels. Consumers only need to go through the Internet, whenever and wherever. The ground can meet the needs of online consumption. Therefore, the huge business opportunities created by the Internet are not only a battleground for various industries, but also a trend for the future development of the insurance industry.
Although the insurance industry has generally used online insurance to assist in the operation of the business, it is still in the development stage and there is still more room for growth. Therefore, this study will study and make recommendations on the current practice of auto insurance network marketing in the insurance industry, in order to gain the advantage of the insurance industry in the field of auto insurance network marketing and increase market share. According to the current status of auto insurance network marketing in the insurance industry, it is necessary to explore how the future insurance industry should use online marketing to create a bigger niche.
Therefore, this study will use the 4P theory of marketing strategy to analyze the net insurance income of Fubang Property Insurance, Xin'an Tokyo Maritime Property Insurance, and Mingtai Property Insurance, which can be listed in the top three consecutive years and account for all 15 companies. The total performance of 70% of the performance, I hope to explore whether there are suggestions for progress can be provided to M company for reference. In
response to the future trend and development of online marketing, and put forward some suggestions for the current difficulties faced by Taiwan's property insurance industry in online marketing.
In fact, for the property and casualty insurance industry, online insurance is only one of the marketing channels, and the most savvy in car insurance is the price war. Moreover, price concessions or discounts have always been the most indicative determinant of popular online shopping. Therefore, whether it is the commission expense of the channel or the customer's premium discount, the ultimate damage is the profit of the operator and the rights of the policyholder. Therefore, in addition to allowing the industry to actively invest, the loosening of government decrees and the combination of insurance technology will be a tool to promote online insurance. The insurance authorities will actively promote the "insurance information center" will be the insurance industry's innovation, breakthrough and service enhancement, let the development of insurance technology, let the insurance industry's quality of policyholders, not affected by time and space, use the sea memory confidant The end of the world, if you are next to the chest, save the core value of insurance - stability.
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min-hui, su, and 蘇敏慧. "The range of coverage of the compulsory automobile liability insurance." Thesis, 1998. http://ndltd.ncl.edu.tw/handle/80620923573294021079.
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Tsai, Pao-Cheng, and 蔡柏辰. "On Automobile Insurance Ratemaking in the Presence of Asymmetrical Information." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/86163798279136065086.
Full textAbstract:
碩士<br>逢甲大學<br>統計與精算所<br>93<br>Rate making is the most important part of insurance contract, so is in automobile insurance contract. In this paper we use risk classification together with bonus-malus system(BMS),A bonus-malus system which integrates a priori and posteriori information on an individual basis, and insurance premium tables are derived as a function of time, past accident and the significant variables in the regression.
And we assume that, the negative binomial model with a regression component produces a reasonable approximation of the true distribution of accident than poisson model. We also present the bonus-malus system in Taiwan, to compare with the system we did.
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Shou, Minhome, and 蕭銘宏. "Bayesian Estimate of Automobile Insurance Rate Making Using Human Factors." Thesis, 1997. http://ndltd.ncl.edu.tw/handle/04646779449566097753.
Full textAbstract:
碩士<br>逢甲大學<br>統計與精算研究所<br>85<br>****************************************************************
************** 我國的汽車保險自開辦以來，費率的計算係採從車主
義，直到「強制汽車責任保險法草案」中明訂汽車責任保險費率之計算應
兼採從車及從人兩項因素；其中從人因素多採用駕駛人的年齡、性別做為
費率係數考量的因子。 *********************************** 昔日
由於承保人數的限制，造成高年齡層的樣本不足，例如：承保人男性、年
齡在61~70歲之間的投保人數太少，如此一來在費率上的計算將造成嚴重
的誤差，所以昔日在計算費率時是先將駕駛人依年齡區分，算出各個年齡
層的費率係數，同理再單獨對性別區分之，以求出各性別的費率係數；換
言之，每一位駕駛人將可以同時擁有二種不同的費率係數，再由這二種不
同的費率係數的組合求出從人因素的費率係數。********************
雖然樣本數太少的問題暫告解決，但緊跟著來的問題是" 這二種不同費率
係數的組合是否真具代表性？" 本文嘗試使用貝氏估計法對單一分類的各
駕駛人求其費率係數，再用與現行方法相同的函數組合求出從人因素的費
率係數，也就是在不同的方法下求得的係數，用相同的函數組合後作一分
析比較，以期望能求得一個令人滿意的結果，至於研究的步驟如下：(一)
蒐集國內車險的損失資料，並加以整理分類。(二) 首先對貝氏估計法作
一介紹，接著對Monte Carlo法與 Gibbs sampler兩種常用來解決貝氏估
計會遇到的瓶頸的方法作一簡介。(三) 將貝氏估計法實際應用在汽車險
的從人因素費率計算上。 (四) 對現行的巴里氏估計法及傳統的統計估計
方法作一介紹。(五) 將貝氏估計法計算的結果與現行採用的費率係數作
一比較，以探求不同方法下的利弊。************************* 由
於本文的目的是要利用統計界中正熱門的貝氏估計法與 Gibbs sampler
抽樣法，拿來與陳強精算師於民國八十三年十一月對巴里氏最小誤差估計
法的計算作一比較，因此本文沿用當年所使用的資料，無法取得新年度的
資料算是文中小小的缺陷；另外，本文中對損失的分配直接假設為指數(
Exp.)分配，因為要由資料中找到一組既適合且好計算得的分配，實在是
較難以實現的理想狀態
。********************************************
****************************************************************
*********
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Wang, Jou-Chieh, and 王柔捷. "The Study on the Renewal Intention of Voluntary Automobile Insurance." Thesis, 2010. http://ndltd.ncl.edu.tw/handle/54819179124925147512.
Full textAbstract:
碩士<br>逢甲大學<br>風險管理與保險研究所<br>98<br>The importance of “customer repurchase” has been well recognized both in academic research and managerial practice. However, data shows that customer renewal is quite low in Taiwan''s automobile insurance industry. Since automobile insurance accounts for a high proportion of revenue, it has become increasingly important for insurers to find ways to maintain an on-going relationship with policyholders. This study examines the antecedents (e.g., customer satisfaction and customer loyalty) that determine customer repurchase intention in Taiwan''s automobile insurance industry. The results show that both customer satisfaction and customer loyalty contribute to a high customer repurchase intention. Specifically, an insurer''s reputation has a greater impact on customer satisfaction. The findings of this study may be suggestive for automobile insurance management.
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Su, Kai-min, and 蘇凱民. "Analyzing the influence factors of Taiwan’s automobile insurance loss ratio." Thesis, 2007. http://ndltd.ncl.edu.tw/handle/16255266615963496871.
Full textAbstract:
碩士<br>國立高雄第一科技大學<br>風險管理與保險所<br>95<br>This study inspects that premiums, loss, the real gross domestic product, interest rate, automobile density and number of automobile accident have effects on the loss ratio of Taiwan automobile insurance whether it or not based on the time series way.
Firstly, this study proceeds to the unit root test in order to check whether the data is stationary or not. If the data were un-stationary, the study would use the difference analysis to transfer the data into the stationary series. Then this study put premiums, loss, real gross general product, interest rate, automobile density and number of automobile accident into vector auto-regression model.
Secondly, after building-up the vector auto-regression model, the study applies the impulse response analysis to analyze the influence of the insurance premiums when variables vary. Besides, this study uses the forecast error variance decomposition in order to realize what is the breeder causing the errors, insurance premiums or loss, when variables are forecasted.
Finally, this study tests whether the loss ratio has underwriting cycle or not by using the second order auto-regression model, the result shows the loss ratio of Taiwan automobile insurance have underwriting cycle and its length is 5.6 years.
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Chen, Ching-Hsiang, and 陳錦祥. "The Comparative Study of Automobile Insurance Between Taiwan and China." Thesis, 2006. http://ndltd.ncl.edu.tw/handle/05094390876923219921.
Full textAbstract:
碩士<br>淡江大學<br>保險學系保險經營碩士在職專班<br>94<br>The general insurance market in Taiwan encounters intense competition while the insurers are endeavoring to grab business each other and achieve the goal of business growth, as a result of it, the room of further market growth and improvement of profitability is very limited. The most sensible way to grow up the market scope should be expanding the market by way of developing new territories in addition to developing new products, now it is the time to step out of local market and extend business activities into overseas market.
Taking the advantage of identical language and culture and geographical adjacency, Taiwan insurance industry can take China market as the stepping stone of internationalization when developing business in mainland. To operate general insurance in China, motor insurance should be the line most easy to start up and with the largest portfolio, therefore it is essential to any insurers who intend to enter China market to study carefully the practice of motor insurance in China market, and get them well ready to enter the market.
The thesis is aiming at the variation between the auto insurance markets of the two sides of the strait, undertakes analysis in three aspects including marketing, underwriting and claim handling, and conclude comprehensively to provide suggestion to the two market industries, the writer wishes the thesis can provide reference to the Taiwanese insurers who plan to develop business in China market, and also share mutually intelligence and experience with the professionals in the industry.
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Chiu, I.-ling, and 邱怡綾. "A Study on the Claim Factors of Automobile Damage Insurance." Thesis, 2005. http://ndltd.ncl.edu.tw/handle/48074639452454016111.
Full textAbstract:
碩士<br>國立高雄第一科技大學<br>風險管理與保險所<br>93<br>Due to the competition, the insurance companies in the future are going to determine the insurance premium based on the insurer’s condition. This study explores what factors are essential for automobile damage claims. From the past experiences along with factor analysis this study aims to determine more accurate factors for setting up the automobile damage insurance premium.
The data for this study is collected from an insurance company in Taiwan. The results show that for personal part, deductible, brand name, the insured’s gender, the gender and the age of the driver who causes the accident all have a positive relationship with predictor variables and dependent variable. The type of the insurance and the displacement of the engine of the car(how many C.C.)have a negative relationship.
The results, to some extent, support this study’s hypothesis. In particular, it shows that positive factors have a lot to do with the characters of the driver who causes the accident. As a result, to determine the insurance premium based on the insured’s characters in not fair. Hence, the issue of adverse selection arises. This study further discovers the seriousness of automobile damage insurance’s adverse selection condition in Taiwan.
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LIN, PO-KAI, and 林伯凱. "A Study on The Issues of Compulsory Automobile Liability Insurance." Thesis, 2015. http://ndltd.ncl.edu.tw/handle/80095882862149094255.
Full textAbstract:
碩士<br>輔仁大學<br>財經法律學系碩士班<br>103<br>Modern automotive technology has increasingly developed, but it is accompanied by traffic accidents which are caused huge loss in people’s lives. Therefore, our government formulated Compulsory Automobile Liability Insurance Law in 1996 in order to protect the rights of the invovled parties in the automobile traffic accidents. However, the Compulsory Automobile Liability Insurance Law still needs to be reviewed and improved by far, for example, at the beginning of drafting the Law, it only stresses to protect the rights and interests of the third victim party in the automobile traffic accident but ignores the protection of rights and interests of the insured party. The core concept of this study, is to pursue the optimal interests of the insured party and a third victim party to avoid suffering heavy losses and financial difficulties under the automobile traffic accident, and to expect that the loss and damages of the insured party and a third victim party can be quickly compensated through the compulsory liability insurance contract in order to minimize the damages of the traffic accident and revert to the previous state as soon as possible. And the study also hopes to provide a reference to lawmakers for future revise practices.