政大機構典藏-National Chengchi University Institutional Repository(NCCUR):Item 140.119/112478

English | 正體中文 | 简体中文 | Post-Print筆數 : 27 | 全文笔数/总笔数 : 109951/140892 (78%)
造访人次 : 46195397 在线人数 : 609

RC Version 6.0 © Powered By DSPACE, MIT. Enhanced by NTU Library IR team.

政大機構典藏 > 商學院 > 風險管理與保險學系 > 會議論文 > Item 140.119/112478

请使用永久网址来引用或连结此文件: https://nccur.lib.nccu.edu.tw/handle/140.119/112478

题名:	Who obtains greater discounts on automobile insurance premiums?
作者:	曾郁仁 Chan, Linus F S Huang, Yi Chieh Tzeng, Larry Y.
贡献者:	風險與保險研究中心
日期:	2016-03
上传时间:	2017-08-31 15:01:17 (UTC+8)
摘要:	Insurance purchasers obtain varied discounts for insurance. This paper examines what drives these differences, specifically whether the loss probability and the wealth of the insured affect the size of the premium discount in automobile insurance. To describe a bargain between a client and an insurer over premiums and coverage, we first develop a sequential insurance bargaining game where the client has an outside option to bargain with another insurer. We find that the equilibrium involves full coverage and, based on the results of comparative statics, we propose hypotheses regarding the effects of the loss probability and the wealth of the insured on the size of the premium discount. We then use a unique data set of 85,806 observations of Taiwanese automobile liability insurance for property damage to empirically test the predictions. After controlling for underwriting and macroeconomic variables, we find that both (1) the insured with a lower claim probability (as a proxy for the insured with a lower loss probability) and (2) the insured with a higher salvage value car (as a proxy for the wealthier insured) receive a greater premium discount. These results support our theoretical results.
關聯:	GENEVA Risk and Insurance Review, 41(1), 48-72
数据类型:	conference
DOI 連結:	http://dx.doi.org/10.1057/grir.2015.4
DOI:	10.1057/grir.2015.4
显示于类别:	[風險管理與保險學系] 會議論文

文件中的档案:

档案	描述	大小	格式	浏览次数
48.pdf		358Kb	Adobe PDF2	365	检视/开启

在政大典藏中所有的数据项都受到原著作权保护.

社群 sharing

著作權政策宣告 Copyright Announcement

1.本網站之數位內容為國立政治大學所收錄之機構典藏，無償提供學術研究與公眾教育等公益性使用，惟仍請適度，合理使用本網站之內容，以尊重著作權人之權益。商業上之利用，則請先取得著作權人之授權。
The digital content of this website is part of National Chengchi University Institutional Repository. It provides free access to academic research and public education for non-commercial use. Please utilize it in a proper and reasonable manner and respect the rights of copyright owners. For commercial use, please obtain authorization from the copyright owner in advance.

2.本網站之製作，已盡力防止侵害著作權人之權益，如仍發現本網站之數位內容有侵害著作權人權益情事者，請權利人通知本網站維護人員(nccur@nccu.edu.tw)，維護人員將立即採取移除該數位著作等補救措施。
NCCU Institutional Repository is made to protect the interests of copyright owners. If you believe that any material on the website infringes copyright, please contact our staff(nccur@nccu.edu.tw). We will remove the work from the repository and investigate your claim.

数据加载中.....