Univ., Diss.--Hamburg, 2006. / Literaturverz. S. [215] - 225.

This thesis characterizes the products mandatory liability insurance of car traffic, car insurance and some additional insurances of cars. The main objective is the analysis of calculation and of criterias, that determinate the price of insurance. The end point is approach comparison to setting up the price by insurance companies on the Czech insurance market.

This thesis is focused on the question whether implementing of a malus policy into a bonus-malus system encourages drivers to be more responsible on the road. The drivers should be motivated to change their behaviour be aimed at decrease of reported insurance events because this system increases their premium whenever they are in an accident. To answer the given problem I used regression analysis with a random effects model and I analysed the drivers registered at insurance company Allianz in years 2000 - 2005. The result of this analysis shows that there was no change in the behaviour since the malus policy was introduced. The examined impact has been detected in case which was interacting with a different variable. The malus policy had the impact on a reduction of accidents in regions below 10 000 inhabitants. This thesis is also focused on the influence of driver characteristic and technical properties of his vehicle on reported insurance events. Tested variables are sex of the drivers, region of driver's residence, age and engine capacity. All explanatory variables have effect on the reported insurance events.

The first part of the dissertation examines whether M&As are related to internal capital markets by analyzing the changes in internal capital market utilization following M&As in the U.S. property-liability insurance industry during the period 2000-2015. The results suggest that both acquiring insurers and targets increase internal reinsurance and undergo more intragroup capital transactions after the M&A. The probit analysis provides evidence that insurers with low internal capital market utilization via reinsurance are more likely to engage in M&As as an acquirer or a target. This indicates that acquiring insurers with small internal capital markets have an incentive in making acquisitions to expand their internal capital markets. This study finds empirical evidence that internal capital market use is one of the determinants of M&As by utilizing internal transaction data of U.S. property-liability insurers. The second part of the dissertation investigates the relationship between executive compensation and internal capital market efficiency in the U.S. property-liability insurance industry for the period 2000-2015. The results indicate that executive compensation has a significant and positive influence on the efficiency of internal capital allocation. An executive’s incentive for efficient internal capital allocation is different depending on the type of compensation, the size of internal capital markets, and external events such as the global financial crisis. These findings are robust to corrections for potential endogeneity bias. I also find evidence of a non-linear relationship between efficiency and the size of internal capital markets. Internal capital markets should continue to expand as long as the benefit of relaxing credit constraints is greater than the cost of managing larger internal capital markets. Overall, the result of the study is consistent with the view that better alignment of executive incentives with shareholder interests leads to efficient internal capital allocation. / Business Administration/Risk Management and Insurance

Liability insurance concerns an insured’s insurance of its legal liability towards a third party for the latter’s loss. This specialised type of insurance is rather neglected in South African insurance law. There is a lack of understanding of the intricacies of liability insurance and its unique challenges. This flows primarily from its complex nature as third-party insurance, which involves legal obligations between multiple parties, and a lack of statutory regulation of the distinctive contractual aspects of liability insurance. Furthermore, limited authority exists on contentious legal aspects as a result of the relatively small number of judicial decisions in this field of law. It is also evident that liability insurance constantly evolves as new grounds of liability emerge and new insurance products develop in response to the changing demands of society. The rise of consumerism and the increase in third-party claims amplify the economic significance of the law of liability insurance in South Africa. A substantial knowledge gap remains in our jurisprudence, irrespective of the recent introduction of new statutory instruments aimed at regulating insurance practice in general. These reforms have not as yet been applied critically to liability insurance, and no specialised legislation in South Africa regulates aspects of this branch of insurance as is the case with microinsurance. The focus in this thesis is on two main issues: the insurer’s duty effectively to indemnify the insured, and the insurer’s defence and settlement of third-party claims brought against the insured. As a subsidiary theme, this thesis analyses legal uncertainties that may persist during pre-contractual negotiations, the liability insurance contract lifecycle, and even after the expiry of the contract. Legal challenges can be addressed by novel and creative application of the national law. Potential solutions can be gleaned from the other progressive jurisdictions reviewed – English and Belgian law. It is evident that this research may prompt Parliament to develop specific rules and regulations for liability insurance contract law. This thesis includes a check list of some of the most important disclosure duties for procuring liability insurance cover, its operation, and claims processes. / Mercantile Law / LL.D.

本文運用模擬的方法，產生產險業所面臨的損失分佈、投資資產的變動，欲得到最好的資產配置比例，並考慮重新平衡的效果，探討何種方法為產險業最好的資金運用策略。在模擬了1,000次，產生未來23年的年末資產負債表後，我們得到產險公司應如何配置其資金於：現金、股票、1-15年期債券及房地產的比例，加入重新平衡的概念，運用目標方程式的建立，最後得到一個最好的資金配置及平衡策略。 / We applied simulation techniques to imitate some situations that insurance companies have handled, including loss development, asset value variations, and dynamic programming asset allocation. The asset allocation ratios and the timing of rebalancing the assets affected our objective outcomes. After simulating 23 years for 1,000 times, we find how insurance company allocates their capital in four accounts: cash, stock, fifteen kinds of maturity bonds, and real estate. We finally pointed out strategy resulted in the best outcome by comparing between single period optimal asset allocating ratios and rebalanced asset allocation ratio outcomes.

中國大陸於1986年申請重新加入WTO，經過15年的長期努力及多方談判，並且在各種產業上做出重大讓步之後，於12月11日正式成為第143個正式的會員國。加入WTO之後，在大陸金融市場規模龐大且成長迅速的吸引之下，市場的開放必然會吸引大量的國際保險業者進入大陸。另外，與一般開發中國家的情況相似，大陸的金融產業相對於其他產業而言是發展較為遲緩的產業，金融機構進駐後造成的衝擊必然十分嚴重，因此大陸當局應儘早加以準備與因應。 本研究採用資料包絡分析法進行效率值之計算，並使用大邊界法建構出單一效率邊界，探討大陸產險業在加入WTO前後的效率變動情形。本研究的結果如下:1.根據單變量無母數統計分析，整體產險業在加入WTO前後三個效率值雖呈正向關係但不顯著，表示階段性的開放是較理想的措施。2.非中資公司的整體技術效率值、純技術效率值與規模效率值均高於中資公司，顯示非中資公司其全球化的經驗較中資公司更好、更成熟。 / Mainland China reapplied in 1986 to join WTO, passed through 15 years long-term endeavor and negotiates in every way, and made the significant concessions after each industry, on December 11, 2001 officially became the 143rd official member nation. After joining the WTO, the mainland's financial market scale and rapid growth attract, opening of the market will attract a large number of international insurance industry to the mainland. Furthermore, with most developing countries in similar circumstances, the mainland's financial industry compared to other industries in terms of development is relatively slow industries, financial institutions stationed after the impact is inevitable, therefore, the mainland authorities should be prepared as early as possible and to respond. This research applied Data Envelopment Analysis (DEA) to measure efficiency scores, and applied Grand Frontier to measure the trend of the efficiency change before and after joining WTO. The results of this study are as follows: 1. Based on the univariate statistical analysis, overall in the property insurance industry after joining the WTO three efficiency values have shown a positive relationship but not significant, said the gradual opening is a relatively ideal measures. 2. Non-Chinese company's overall technical efficiency, pure technical efficiency and scale efficiency were higher than the value of Chinese-funded companies that show non-Chinese-funded companies in their global experience are better and more mature than those Chinese-funded companies.

巴塞爾公約是關於有害廢棄物管理最重要的國際公約，公約中規範了任何有害廢棄物的越境運送都必須提供保證、保險或其他財務擔保，以用於賠償運送途中發生意外污染造成的損害。 本文針對巴塞爾公約所提及之保險加以研究，並分析我國規劃能夠銜接巴塞爾公約架構且能在國內運作的保險機制時，在法規需求方面以及實際運作方面的各項要件，並試擬我國開辦強制有害廢棄物運送保險所需之相關法規以及保單條款。 / Basel Convention is the most important International Convention about the management of hazardous wastes, the Basel Convention acquire that any transboundary movement of hazardous wastes must provides bond, insurance or other financial guarantee, as to compensate the damages caused by the accidental pollution during the transportation. This thesis tried to study what the insurance mentioned in the Basel Convention is, and to analyze every elements of legislative requirements and operational requirements when Taiwan is drawing up the internal insurance structure to connect with the Basel Convention, and tried to draft the related regulations and the terms and conditions of the insurance policy.

Made available in DSpace on 2016-04-26T20:29:06Z (GMT). No. of bitstreams: 1 Melisa Cunha Pimenta.pdf: 1228417 bytes, checksum: cf5a0a2a3c43ed216bdce7bbc4fa28bb (MD5) Previous issue date: 2009-05-14 / Since of the beginning of the civilization, the man perceived that in group was less laborious to support the suffered loss. Insurance was created by human s need as a form to reduce individual damages. Further on, insurance has had a great development. Insurance Companies have been specializing themselves in mathematical expertise in order to know, with precision, the amount of accidentes will happen in the futur with a group exposed to the same risks. Insurance has a communitarian character meaning so Insurance Companies manage a common fund in which each individual insured contributes with a pre-determined amount that enable those Companies to garante the economics consequences from these same risks. Nowadays, we have a huge development of insurance´s contracts related to insurance liabilities. The finality of the liability insurance is either to protect the insured s patrimony for the eventual debts of responsibility that it can be imputed and, at the same time, to garante repairing of the damages caused to the victims. If before these category of contracts was considered as illegal, due to its refusal to celebrate contract to cover the financial consequences of the attributed responsibility to somebody, in the present time, this contract appears as the capable way to provide reparation to make possible the effective compensation of the damages to the victims. The civil liability insurance and the institute of civil liability have narrow connection, one stimulating the development of the other, because that is what it makes possible for this to reach its real purpose / Já nos primórdios da civilização, o ser humano percebeu que, em grupo, era menos penoso suportar as perdas sofridas. O seguro surgiu da necessidade humana, como forma de minorar os prejuízos individuais. Com o tempo, houve grande desenvolvimento do instituto, especializando-se os seguradores em cálculos atuariais, a fim de se saber, com precisão, a quantidade de sinistros que ocorrerão em um determinado lapso temporal em um grupo sujeito a um mesmo risco. Apresenta o seguro evidente caráter comunitário, atuando o segurador como gerenciador de um fundo comum, para o qual cada segurado contribui com uma parcela pecuniária, para que aquele possa garantir as consequências econômicas desses riscos. Na atualidade, tem-se um grande desenvolvimento do contrato de seguro, em especial dos seguros de responsabilidade civil. Por meio deste, visa-se proteger o patrimônio do segurado de eventuais dívidas de responsabilidade que lhe possam ser imputadas e, ao mesmo tempo, garantir a reparação dos danos causados aos terceiros lesados. Se antes essa espécie de seguro era tida como ilegal, pois não se concebia a realização de um contrato para prestar cobertura às consequências econômicas da responsabilidade atribuída a alguém, hoje, esse contrato surge como o meio capaz de possibilitar o efetivo ressarcimento dos danos causados às vítimas. O seguro de responsabilidade civil e o instituto de responsabilidade civil possuem estreita conexão, um impulsionando o desenvolvimento do outro, pois aquele é o que possibilita que este atinja a sua finalidade de forma plena

為保護汽車意外事故受害者，韓國於1963年制定「汽車損害賠償保障法」(Automobile liability security law)，即為「強制汽車損害賠償責任保險」(Compulsory automobile liability insurance)的法律基礎，本法對於汽車意外事故所因起之損害賠償責任，在民法上優先適用，成為民法（不法行為）之特別法，而規定強制投保汽車責任險為取得牌照之前提要件，並採用接近無過失責任主義及認定受害者直接請求權。韓國強制汽車責任保險法制施行以來經過數次之修正然而仍然存有許多缺失，如保險金額過低等，而社會大眾對其服務品質依然不滿，因此無法滿足充分保障之需求。在此種情況下，韓國強制汽車責任保險應何去何從？如何加以改進？則為一個值得關心的問題，也就是本論文研究之動機。本論文之研究範圍為著重於改革韓國強制汽車責任保險制度，本文先擬以汽車事故損害賠償制度為始，進而說明韓國之汽車損害賠償保障法及強制汽車損害賠償責任保險制度之內容，最後提出筆者管見，強調欲期改革韓國強制汽車責任保險制度，達建立健全完善之制度及保護受害人之目的，作為結論。本文若對中韓兩國車禍賠償問題之合理解決果能有所助益，則甚幸矣！