自用小客車竊盜險出險因素之探討

本研究結果顯示汽車廠牌、自負額比率、居住地區、年齡與婚姻狀況等因素會影響自用小客車竊盜損失險之出險。其中，未婚、年輕、自負額比率越低及居住在中南部地區之被保險人，發生汽車失竊出險之機率較高。在羅吉斯迴歸模型中，加入年齡、婚姻狀況等從人因素，可提高汽車竊盜損失險出險的預測能力。
關鍵字：汽車竊盜損失險、從人因素、羅吉斯迴歸
An Investigation on the Factors for
Private Passenger Automobile Burglary Insurance Claim
Abstract
This research probes the existence of personal factors for the automobile burglary insurance claim. The research result of this study shows that the automobile brand, deductible, living area, age and marriage status will affect the automobile burglary insurance claim. The insured of single, younger, lower deductible, and living in the south and middle part of Taiwan have higher possibility for automobile burglary insurance claim. When the personal factors of age, marriage status are included in the Logistic regression analysis, the prediction power for the private passenger automobile burglary insurance claim are enhanced.
Keywords: automobile burglary insurance、personal factors、Logistic regression