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    題名: Heterogeneity of the Accident Externality from Driving
    作者: Rachel J. Huang;Larry Y. Tzeng;Kili C. Wang
    貢獻者: 淡江大學保險學系
    關鍵詞: accident externality;automobile insurance;loss probability;loss severity
    日期: 2013-06
    上傳時間: 2012-11-09 10:23:14 (UTC+8)
    出版者: Wiley-Blackwell Publishing
    摘要: This article examines the accident externality from driving in terms of loss probability and severity by using a unique individual-level data set with more than 3 million observations from Taiwan. Two types of accident externality are, respectively, measured: the average number of kilometers driven per month per vehicle and the total number of speeding tickets per month. For both variables, we find significant evidence to support the existence of the accident externality. Moreover, we find that the accident externality is heterogeneous in terms of the vehicles’ characteristics.
    This paper examines the accident externality from driving in terms of loss probability and severity by using a unique individual-level data set with more than 3 million observations from Taiwan. Two types of accident externality are, respectively, measured: the average number of kilometers driven per month per vehicle and the total number of speeding tickets per month. For both variables, we find significant evidence to support the existence of the accident externality. Moreover, we find that the accident externality is heterogeneous in terms of the vehicles’ characteristics.
    關聯: Journal of Risk and Insurance(forthcoming), pp.1-35
    顯示於類別:[保險學系暨研究所] 期刊論文

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    Reexamine Accidental Externality from Driving by Individual Data_20121103.doc895KbMicrosoft Word617檢視/開啟

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