關鍵字查詢 | 類別:期刊論文 | | 關鍵字:The Use of Annual Mileage as a Rating Variable

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1 104/1 保險系 汪琪玲 教授 期刊論文 發佈 The Use of Annual Mileage as a Rating Variable , [104-1] :The Use of Annual Mileage as a Rating Variable期刊論文The Use of Annual Mileage as a Rating VariableLemaire, Jean; Park, Sojung; Wang, Kili C.Auto liability insurance;Rating variables;Annual mileageASTIN Bulletin: The Journal of the IAA 46(1), p.39-69Auto insurance companies must adapt to ever-evolving regulations and technological progress. Several variables commonly used to predict accidents rates, such as gender and territory, are being questioned by regulators. Insurers are pressured to find new variables that predict accidents more accurately and are socially acceptable. Annual mileage seems an ideal candidate. The recent development in new technologies should induce insurance carriers to explore ways to introduce mileage-based insurance premiums. We use the unique database of a major insurer in Taiwan to investigate whether annual mileage should be introduced as a rating variable in auto third-party liability insurance. We find that annual mileage is an extremely powerful predictor
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