Besides age, brand, vehicle-age, engine volume, past claim record, and insurance type, regional factor is also significant to the claim of private automobile physical damage insurance. The claim rates are higher in northern and southern areas in Taiwan, and lower in central area. Among all the metropolitans, the claim rate is decreasing from Taipei-Keelung to Taoyuan-Chungli and Hsinchu, and is increasing from Hsinchu to Taichung, Chiayi, Tainan and Kaohsiung. The claim rate of Hsinchu sub-metropolitan is the lowest among all the areas.