本文針對被保險人之汽車車型及配備選擇與風險間之關係進行探討，分別以羅吉斯迴歸、負二項迴歸及簡單迴歸分析損失機率、損失頻率及損失嚴重程度。除了使用保險公司現行的核保因子之外，也加入被保險人居住區域及婚姻狀況等因子。 研究結果顯示，車型的部分休旅車的風險程度顯著低於其他車種，小型五門車的風險程度則是顯著高於其他車種；車配備的部分，加入安全氣囊、煞車系統個數還有是否有倒車輔助系統進行分析，在損失機率及損失幅度的部分，有安裝倒車輔助系統者較沒有安裝者風險程度顯著較低；損失嚴重程度的部分則是原廠配備有多個安全氣囊及兩個煞車系統者風險較高。上述除了車型本身結構與配備的功用會影響損失率外，也有可能是被保險人選擇行為的心理因素所造成風險的不同。也建議保險公司能夠在風險分類時多方面考量，以避免不公平的訂價行為。 The study discusses the impact of automobile choice (car type and equipment) on the risk of automobile physical damage insurance. We use logistic regression, negative binomial regression and simple regression to analyze loss probabilities, loss frequencies and loss severities. Expect for using risk factors which insurance companies using now, we add living and marriage factors to analyze.
The study shows that the risk degree of Recreational Vehicle (RV) is lower than other car type, but the sport utility vehicle (SUV) is higher than others. In addition, about car equipment, we analyze the relationship between airbag, braking system and parking assist system and loss. For loss probabilities and loss frequencies, the car equipped braking systems are safer. But for loss severities, the risk degree of car equipped more airbags and braking systems are higher than other car. Expect for car structure, the psychological factors of insured plays an important role in the influence of risk degree of automobile physical damage insurance, so the study makes suggestions on insurance company to aware of these factor when calculate premium.
