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政大機構典藏 > 商學院 > 風險管理與保險學系 > 期刊論文 > Item 140.119/78450

Please use this identifier to cite or link to this item: https://nccur.lib.nccu.edu.tw/handle/140.119/78450

Title:	Can Vehicle Maintenance Records Predict Automobile Accidents?
Authors:	Bair, Shyi-Tarn;Huang, Rachel J.;Wang, Kili C. 黃瑞卿;汪琪玲
Contributors:	風險與保險研究中心
Keywords:	Accident;Insurance;Vehicles
Date:	2012-06
Issue Date:	2015-09-15 10:57:54 (UTC+8)
Abstract:	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.
Relation:	Journal of Risk and Insurance, 79(2), 567-584
Data Type:	article
DOI 連結:	http://dx.doi.org/10.1111/j.1539-6975.2011.01433.x
DOI:	10.1111/j.1539-6975.2011.01433.x
Appears in Collections:	[風險管理與保險學系] 期刊論文

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