An Empirical Study On The Control Of Auto Insurance Loss Ratio By Using The Risk Homeostasis Theory

• Main Authors: Chia-Chi Hsiao, 蕭佳琦
• Other Authors: Ming-Che Sung
• Format: Others
• Language: zh-TW
• Published: 2011
• Online Access: http://ndltd.ncl.edu.tw/handle/47007031184935258828

碩士 === 銘傳大學 === 風險管理與保險學系碩士在職專班 === 99 === AN EMPIRICAL STUDY ON THE CONTROL OF AUTO INSURANCE LOSS RATIO BY USING THE RISK HOMEOSTASIS THEORY Research Student：Chia-Chi Hsiao Supervisor：Dr. Ming-Che Sung ABSTRACT Automobile insurance business is at the highest market share in Taiwan’s property insurance market. Also, automobile insurance loss ratio is not low, that is around from 50% to 60%. Therefore, it is noteworthy how to control the automobile insurance loss ratio. According to the risk homeostasis theory, this study examined what psychological factors influencing the driving behavior of auto drivers. By use of the survey questionnaire method and an appropriate statistical analysis, the final conclusions are as follows: 1. The relationship between the “age” factor and the “perceived benefits of risky behaviors” factor has a significant association. In other words, the more younger driver, the more perceived benefits of risky behaviors. 2. The relationship between the “length of driving experience” factor and the “perceived benefits of risky behaviors” factor has also a significant association. In the other words, those who with the shorter driving experience, the more perceived benefits of risky behaviors. 3. The relationship between the “age” factor and the “perceived costs of cautious behaviors” factor has significant association. In other words, the younger people perceive the higher cost, so, they drive more fast. 4. The relationship between the “length of driving experience” factor and the “perceived costs of cautious behaviors” factor has also a significant association. In other words, those who with the shorter driving ecperience perceive the higher cost, so, they drive more fast. Keywords: Loss Ratio, Perceived Benefit, Perceived Cost, Risk Homeostasis Theory