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政大典藏 > College of Commerce > Department of Risk Management and Insurance > Periodical Articles > Item 140.119/13038

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/13038

Title:	Asymmetric Information Problems in Taiwan`s Automobile Insurance Market
Authors:	王儷玲 Wang, Jennifer L.
Date:	2004-07
Issue Date:	2008-12-08 11:11:41 (UTC+8)
Abstract:	This article investigates asymmetric information problems for the automobile insurance market in Taiwan. Using panel data for the comprehensive automobile insurance coverage from 1995 to 1999, this article analyzes how types of coverage, deductible amounts, and experience ratings have affected the adverse selection and moral hazard problems in Taiwan`s automobile insurance market. The empirical results provide partial evidence to demonstrate that the loss frequency and loss ratio were reduced by the addition of self-selection mechanisms in policies with different levels of coverage. In addition, the deductible amounts, experience ratings, and better control of underwriting and claims processing were shown possibly to have decreased potential losses from adverse selection and moral hazard problems.
Relation:	Risk Management and Insurance Review, 7(1), 53-71
Data Type:	article
DOI link:	http://dx.doi.org/10.1111/j.1098-1616.2004.00036.x
DOI:	10.1111/j.1098-1616.2004.00036.x
Appears in Collections:	[Department of Risk Management and Insurance] Periodical Articles

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