本研究係依實證方式分析汽車損失險購買險種傾向與賠款影響因素，本研究以Probit及Copula迴歸方式，將車體損失保險的險種選擇與事故發生與否列為應變數，將人和車特性相關的變數列為自變數，考量對於車體損失保險的險種選擇與事故發生與否是否有顯著影響，最後使用Copula迴歸，探討車體損失保險的險種選擇與事故發生與否兩者之間的相依結構關係。 在研究發現當以事故發生與否為應變數時，自變數對於事故發生與否皆無顯著影響，但使用險種選擇為應變數時，除了賠款係數，其餘自變數對於險種選擇皆有顯著影響，此外，在最後使用Copula迴歸檢視，得到的結果為險種選擇與事故發生之間並無顯著相關。 This thesis analyzes factors to affect the choice of automobile physical damage insurance and claim making based on real data in Taiwan. Coverage choice of automobile physical damage insurance and accident occurrence are used as dependent variables, and the characteristics of insured vehicle and policyholder are used as independent variables in probit regression. Besides, we investigate the correlation between the choice of automobile physical damage insurance purchasing and accident occurrence. The results show that none of independent variables has significant effect on the accident occurrence, and most independent variables has significant effect on the choice of automobile physical damage purchasing. No evidence shows that there is significant correlation between the choice of automobile physical damage insurance purchasing and claim making.
