不同承保地區對汽車車體損失保險理賠影響之研究

我國在汽車車體損失保險之費率計算係考慮從人因素與從車因素，並未將「承保地區」因素包括在內。本文試從「承保地區」探討不同承保地區是否會對車體損失保險之理賠產生影響，以作為未來是否可將承保地區納入費率考慮因素之依據。本文以2015年台灣14家產險公司汽車車體損失險之理賠資料，依據行政院主計處之地區分類標準，將台灣分為北、中、南與東四個地區，利用變異數分析法探討自用汽車車體損失保險在不同承保地區下，對通路及險種類別是否存在互逆或局部增強作用之效果，進而了解變項是否對賠款金額產生交互作用。實證結果顯示，不同承保地區與險種類別的理賠金額均有顯著差異。進一步利用差異檢定，在不同險種下，承保地區之理賠金額均有顯著差異;至於在不同地區下，承保地區為「北部」、「中部」、「南部」時，險種類別因子差異會導致賠款金額的不同，而承保地區為「東部」時，險種類別因子對賠款金額並不存在顯著之差異。

關鍵字

自用汽車保險；車體損失險保險；變異數分析；承保地區

並列摘要

In Taiwan, the rate calculation for personal automobile physical damage insurance is determined by human factors and vehicle factors which do not include the factor of "Coverage Zone". This study is to explore whether or not the "Coverage Zone" could be considered in the rate calculation by examining the claimed losses of personal automobile physical damage insurance classified by "Coverage Zone". The data used in this research are the 2015-year statistics of private passenger automobile insurance in Taiwan. We divided the "Coverage Zone" into four areas according to the administration areas categorized by the Accounting and Statistics Bureau of Executive Yuan. These four areas are North, Central, South and East. We used Anova approach to examine whether there are reciprocal or local enhancement effects on marketing channel and type of coverage under different coverage zone, and then to understand whether the variables have interactive effects on the amount of compensation .The results show that there is significant difference in the different types of coverage and the different area of coverage. We further find that the incurred losses of coverage type are all significantly different from those of coverage area. On the other hand, we also find the incurred losses under different coverage zone, except East area, are significantly different from the incurred losses of coverage type.