減少行車事故,並進而減低車主的保費負擔,是我們産、觀、學,一致研究以及努力的目標。 因此,本論文以某廠牌汽車公司的車主,投保某一產物保險公司的客戶,進入該廠牌汽車公司服務廠,進行維修,得以降低保險事故的機率之可能性為何? 本研究採用Shyi-Tarn Bair於2011年對於車輛維修記錄是否可以預測汽車事故研究中所使用之理論架構為基礎,以被保險人、車特性與回原廠維修車輛的關係,使用羅吉斯迴歸方式進行資料分析與驗證。 研究結果顯示,車主在進行車輛維修時,選擇回「原廠」的維修廠,將可降低該車發生交通事故的發生機率,並且在車主的性別、車輛的新舊以及車輛使用地域上有差異。
Reducing traffic accidents and further reducing the premium burden on vehical owners is our goal of Industry, Official and University consistent research and hard work. Therefore, the possibility of the owner of the vehical company of this paper, insuring a customer of a certain product insurance company, entering the service company of the vehical company and performing maintenance, can reduce the probability of the insurance accident? This study uses Shyi-Tarn Bair in 2011 to use the theoretical framework used in the vehicle maintenance record to predict the car accident research, based on the relationship between the insured, the vehicle characteristics and the return to the original factory maintenance vehicle, using Logistic Regression to analyze and verify data. The research results show that when the vehicle owner performs vehicle maintenance, choosing to return to the “original factory repair house” will reduce the probability of traffic accidents in the vehicle, and there will be differences in the gender of the owner, the old and new vehicles, and the vehicle use area.