依照「強制汽車責任保險法」之規定，費率的釐定應兼採從人及從車因素，旨在使保險費率能更臻公平完整。本研究利用卡方獨立性檢定，以國內某大型產物保險公司之承保與理賠資料為依據，分析可能影響強制汽車責任保險損失之是否發生、損失次數與損失幅度的分類因素。除了法定的從人及從車因素之外，本研究亦試圖由取得之保單資料上找出其他可能影響損失的因子，並比較新制實施前後，其影響損失之分類因素的改變，做為是否應採用此分類因素為核保篩選及費率釐定之參考。
研究結果發現：
（一）年餘並非為其有顯著影響力之分類因素；
（二）性別、婚姻狀況與車種宜列為影響損失的重要分類因素；
（三）肇事記錄與廠型對損失之影響不顧著，並非為重要分類因素；
（四）車齡與排氣量並非為重要分類因素；
（五）是否投保任意責任險與損失有顯著相關；
（六）新制實施後，影響損失的顯著因素中，從人因素多於從車因素。
關鍵字：強制汽車責任保險、從人從車因素、損失頻率、損失幅度 / According to the“The Law of Compulsory Auto Liability Insurance”, the ratemaking should take both human factors and vehicle factors into account. The main purpose of this study is to investigate the factors which affect the loss occurrence, loss frequency and loss severity of compulsory auto liability insurance. Besides these legal factors, this paper also tries to find out other influential factors and compare the outcomes before 1998 with that after 1998. The analysis of the changes on the relevant factors helps the government and insurers to make rating and underwriting decisions.
The methodology of this study is chi-square test and the empirical findings are as follows:
1.Age is not a significant risk factor.
2.Gender, marriage status and vehicle category should be considered as significant risk factors.
3. Both driving record and category has less effect on loss and thus should not be treated as important risk factors.
4.Neither vehicle-age nor exhaust volume should be considered as significant risk factors.
5.The factor of purchasing voluntary auto third party liability insurance has an important impact on loss.
6.After the new law of compulsory auto liability insurance has been practiced, it shows that human factors are more significant than vehicle factors in affecting insurance claims.
Keywords: compulsory auto liability insurance, human factors and vehicle factors, loss frequency, loss severity
| Identifer | oai:union.ndltd.org:CHENGCHI/G91NCCU2152012 |
| Creators | 張可珊 |
| Publisher | 國立政治大學 |
| Source Sets | National Chengchi University Libraries |
| Language | 中文 |
| Detected Language | English |
| Type | text |
| Rights | Copyright © nccu library on behalf of the copyright holders |
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