A Study on Risk Factors of Personal Injury Liability Insurance: A Case of “T” Non-life Insurance Company

• Main Authors: Pei-hsiu Shih, 石佩琇
• Other Authors: Pai-Lung Chou
• Format: Others
• Language: zh-TW
• Published: 2008
• Online Access: http://ndltd.ncl.edu.tw/handle/q292r2

碩士 === 國立高雄第一科技大學 === 風險管理與保險所 === 96 === ABSTRACT Insurance companies have started selling injury insurance and related merchandise recently. There are great differences between these products and traditional insurance policies. In order to ensure operational performance and to enhance profitability, it is necessary to carry out analysis and filtering. This paper explores sampling data of personal injury and liability insurance policies from a well-known insurance company, and attempts to establishes a model through use of this evidence resulting in a lower probability of high insurance liabilities, specifically: From the viewpoint of insurance policy regions; there is a greater probability of claims in the mid-region and south; From insurance age profiles; there is a greater probability of higher claims from younger customers; From insurance policy occupations; soldiers, government workers, teachers and related personnel do not have a higher probability of claims; From insurance policy business sources; banks have a lower probability of claims. But gender of customers could not be a significant explanation about probability of claims. If these research findings can be effectively analyzed, the results will contribute to process refinement of claims and underwriting; greater customer satisfaction, sustainable enterprise development and promotion of social and public welfare.