The Effect of Insurance Marketing Channel on the Claim Amounts of Vehicle Damage Insurance

[[abstract]]本文依據某產險公司2012-2014年投保自用車乙式車體險理賠保單資料，區分成兩種不同車體險行銷通路，其中包含車商通路與非車商通路(保經代公司及保險公司招攬業務人員)，探討此兩種不同行銷通路與理賠費用高低之關聯性。研究方法採用T檢定(t-test)，OLS（ordinary least squares），及Probit模式迴歸等模型。在OLS回歸中，不同通路對於理賠費用的差異並無顯著影響，然而在Probit迴歸中，本文發現車商通路造成高理賠費用的機率顯著低於非車商，主要的原因可能是車商通路的新車比例相對較高，且產生到期理賠的情況較為嚴重，而導致其理賠費用金額相對較低，本論文的實證結果可提供產險公司以及業務行銷通路之業務來源管理上的建議。[[abstract]]This research discusses the relationship between the two types of insurance marketing channel and the level of claim amounts One type of insurance marketing channels is car dealer channel (insurance brokers and agents) and the other type is non-car dealer channel (insurance representative) We use personal vehicle damage insurance data during 2012 to 2014 from a domestic insurance company Our results show that there are no different in the levels of claim amounts for the different insurance marketing channels Howeer car dealer channel is less likely to have higher claim amounts than that of non-car dealer channel The main reason might be the higher proportion of new car selling from the car dealer channel and new car has more claims in the expiration date which may lead to relatively lower claim amounts This research can provide some evidences to Property and Casualty insurance companies for furture management in the marketing channel