行銷通路對車體損失險保單理賠金額之影響

• Main Authors: Yen-Sheng Wang, 王顏聖
• Other Authors: Chu-Shiu Li
• Format: Others
• Language: zh-TW
• Published: 2016
• Online Access: http://ndltd.ncl.edu.tw/handle/21775223380663890914

碩士 === 國立高雄第一科技大學 === 風險管理與保險研究所 === 104 === This research discusses the relationship between the two types of insurance marketing channel and the level of claim amounts. One type of insurance marketing channels is car dealer channel (insurance brokers and agents) and the other type is non-car dealer channel (insurance representative). We use personal vehicle damage insurance data during 2012 to 2014 from a domestic insurance company. Our results show that there are no different in the levels of claim amounts for the different insurance marketing channels. Howeer, car dealer channel is less likely to have higher claim amounts than that of non-car dealer channel. The main reason might be the higher proportion of new car selling from the car dealer channel and new car has more claims in the expiration date which may lead to relatively lower claim amounts. This research can provide some evidences to Property and Casualty insurance companies for furture management in the marketing channels.