會議論文
| 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 | en |
| 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 |
| 相關連結 |
機構典藏連結 ( http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/83329 ) |