出版日期：2011-09-13 00:00:00

著者：Shyi-Tarn Bair; Rachel J. Huang; Kili C. Wang

單位：淡江大學保險學系

出版者：Hoboken: Wiley-Blackwell Publishing, Inc.

著錄名稱、卷期、頁數：Journal of Risk and Insurance 79(2), pp.567–584

摘要：This article proposes that vehicle maintenance records can provide useful information for predicting the probability that an owner will have an automobile accident. To test the hypothesis, we use a unique data set that is merged from an insurance company and a vehicle manufacturer in Taiwan. We find weak evidence to support our hypothesis. Among all the proxies for proper maintenance, we indicate that proper maintenance defined by the recommended kilometers is significantly negatively correlated with the loss probability in compulsory automobile liability insurance. The average loss probability decreases by 0.23 percent when the insured vehicle is properly maintained according to the recommended number of kilometers in the previous years, whereas the average loss probability for the overall sample is 0.49 percent. We further find that proper maintenance is insignificantly correlated with loss severity.

關鍵字：Maintenance Record;Automobile Insurance;Accident

語言：en

ISSN：1539-6975

期刊性質：國外

收錄於：SSCI

通訊作者：Rachel J. Huang

審稿制度：否

國別：USA

出版型式：電子版