A Comparative Study on the Claim with Human and Car Factors in Voluntary Auto Third Party Liability Insurance and Compulsory Auto Liability Insurance in Taiwan

[[abstract]]本文探討從人從車以及其它因素分別影響強制汽車責任保險或任意汽車第三人責任保險理賠與否之因素。根據保險經紀人公司資料並透过Logistic 迴歸分析法，在顯著水準0.1下，發現: (1)在強制汽車責任保險方面影響因素--有起保季以及車種皆有顯著，起保季對強制汽車責任保險理賠與否呈現正關係的影響，而車種對強制汽車責任保險理賠與否呈現負關係的影響；(2)在任意汽車責任保險方面影響因素--有年度、起保季、車籍以及年齡與性別皆有顯著，並發現年度對任意汽車責任保險理賠與否為負關係的影響，但起保季、車籍以及年齡與性別則為正關係的影響。[[abstract]]The purpose of this study is to investigate the effects of claim with basic factors in Taiwan’s compulsory auto liability insurance and voluntary auto third party liability insurance Relying on the data collected from a Taiwan’s insurance broker company and using Logistic regression analysis We found that (1) for the compulsory auto liability insurance -- (i) the coverage quarter and the types of automobile have significant impact on claim (ii) the coverage quarter has significant positive impact on claim and the types of automobile has significant negative impact on claim (2) for the voluntary auto third party liability insurance -- (i) the coverage year the coverage quarter the area of automobile registered and the ranks of sex/age have significant impact on claim (ii) the coverage year has significant negative impact on claim and the coverage quarter the area of automobile registered and the ranks of sex/age have significant negative impac