自用車車體損失險出險因素之探討

本研究探討自用小客車車體損失險出險的因素。羅吉斯迴歸分析結果顯示目前產險公會訂定費率的標準中，僅有1)年齡2)出險紀錄具有顯著性的關係。若再將要保書中其他變數納入分析，則可得出1)起保年份2)排氣量3)地區4)車體險形式5)車齡等五個因素也對於影響車體險的出險有顯著性的關係，加入上述變數可提高羅吉斯迴歸模式整體辨識正確率。
關鍵字：汽車保險、車體損失、羅吉斯迴歸

An Investigation into Factors Affecting Physical Damage Claims in Private Automobile Insurance

　　　　　　　　　　　　　　　　　　　　　　　　(Chiewei Hung)＊(Zhiyan Zhou)

作者： (Chiewei Hung)*(Zhiyan Zhou)
This research investigates factors that affect physical damage claims in personal automobile insurance. The results of a logistic regression show that, among the current rating factors for the premium assessment standard in property and liability insurance associations, only age and past claim records are significant factors affecting current claims. If other factors in the insuring agreement are included in the analysis, 1) starting year, 2) volume of engine, 3) region, 4) type of automobile physical damage insurance, and 5) age of the automobile are significantly associated with physical damage claims in automobile insurance. When the factors mentioned above are included, the accuracy of the logistic regression model increased.
Keywords: automobile insurance, automobile physical damage, logistic regression