教師資料查詢 | 類別: 會議論文 | 教師: 汪琪玲 Kili C. Wang (瀏覽個人網頁)

標題:Opportunistic Fraud in Automobile Theft Insurance: Empirical Evidence from Automobiles Stolen but Recovered after Searching
學年100
學期1
發表日期2011/12/01
作品名稱Opportunistic Fraud in Automobile Theft Insurance: Empirical Evidence from Automobiles Stolen but Recovered after Searching
作品名稱(其他語言)
著者汪琪玲
作品所屬單位淡江大學保險學系
出版者
會議名稱
會議地點
摘要This paper provides further new evidence of opportunistic fraud which is induced by the loophole in the clause on theft insurance. Automobile theft insurance covers only the total theft loss. The insurance company will compensate for the loss of accessories or spare parts to those insured vehicles with automobile theft insurance provided that the insured vehicles were stolen but recovered after searching. This loophole provides incentives for the insured who is only covered by automobile theft insurance to defraud. The insured can obtain indemnity for the loss of spare parts and accessories by submitting a total theft claim and waiting until the insured vehicles are recovered. Based on the insured vehicles which have encountered total theft, we find evidence that, when the loss amount approaches the cost of reinstating valuable accessories within a vehicle, the conditional recovery probability is significantly positively correlated with buying automobile theft insurance coverage without the endorsement for auto parts accessories.
關鍵字opportunistic fraud;automobile theft insurance;auto parts accessories endorsement;recovery probability
語言英文
收錄於
會議性質國內
校內研討會地點
研討會時間
通訊作者
國別
公開徵稿Y
出版型式
出處台灣風險與保險學會第五屆年會暨國際學術研討會
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