國立高雄第一科技大學風險管理與保險系碩士論文中華民國九十二年十二月分析強制汽車責任保險的損失因素對費率之影響研究生：郝修台指導教授：楊顯爵博士分析強制汽車責任保險的損失因素對費率之影響AnAnalysisoftheLossFactorsinCompulsoryAutomobileLiabilityInsurance-SomeEffectsonPremiumrates研究生：郝修台Shiou-TaiHao指導教授：楊顯爵Hsien-ChuenPeterYang國立高雄第一科技大學風險管理與保險系碩士論文AThesisSubmittedtoDepartmentofRiskManagementandInsuranceNationalKaohsiungFirstUniversityofScienceandTechnologyInPartialfulfillmentoftheRequirementsFortheDegreeofMasterInRiskManagementandInsuranceDecember2003Yenchao,Kaohsiung,Taiwan,RepublicofChina中華民國九十二年十二月摘要本研究針對強制汽車責任保險之從人因素、從車因素及其它因素在理賠金額上的差異情形，以國內某大產物保險公司2000~2002年間之534件已結案的理賠案例進行資料分析，利用卡方檢定、三因子及二因子及單因子變異數分析與無母數單因子變異數分析，實證分析可能會影響理賠金額之損失因素，以檢定是否應採用此風險分類因素作為費率釐定之參考依據。並得到下列之結論與建議：1.「從人因素」中駕駛人的性別、婚姻、肇事記錄及是否為被保險人，與「從車因素」之車輛種類在理賠金額上有顯著差異。2.機車有必要將「從人因素」列入加減費之考量。3.自小客、貨車的肇事賠款記錄之加減費係以被保險人（車主）之性別、年齡為依據，而非以肇事的駕駛人，顯然有失公平。4.各年齡層之加減費係數與級距應依現況，有進一步修正之必要。5.婚姻狀況可列入加減費之考量，且可與損失因素「年齡」一併考量，因其與年齡有高度相關。6.以申請理賠者為有肇事記錄者，顯然有失公平。7.強制汽車責任保險的理賠應從寬，而審核應從嚴。關鍵詞：強制汽車責任保險、從人因素、從車因素、卡方檢定、變異數分析、無母數單因子變異數分析。ABSTRACTThispaperexaminesthedifferenceamongdriver,vehicleandotherfactorsrelatedwiththeinsuredanddriver’scompensationincompulsoryautomobileliabilityinsurance.Thestudylookat534thesettledcasesofadomesticinsurancecompanyfrom2000to2002inTaiwan.Chi-squaretest,three-wayANOVA、two-wayANOVAandone-wayANOVAandnonparametricstatistics（Kruskal-Wallistest）areusedtoanalyzethepossiblefactorsthataffectthelossincompensation,inordertocheckwiththeriskfactorsaffectingpremiumrateaccordingtothisempiricalresults.Weconcludeasthefollowing:（1）Thereisasignificantdifferenceincompensationbasedonadriver’sgender、maritalstatus、compensatoryrecordsandwhetherheistheinsuredornot,andthefactorofvehiclesalsoaffectstheamountofcompensation.（2）“Driverfactor”shouldbeconsideredinthecaseofmotorcycles.（3）It’sextremelyunfairtoincreasepremiumaccordingtocompensatoryrecordoftheinsuredinsteadofthedriver’sageandgender.（4）Coefficientandrangeofageshouldbeadjustedtothecurrentstatus.（5）Driverfactorshouldtake“maritalstatus”intoconsideration,maritalstatusandageshouldbeconsideredsimultaneously,becausethereisastrongcorrelationbetweenmaritalstatusandage.（6）It’sobviouslyunfairtothosewhoapplytocompulsoryautomobileliabilityinsuranceforcompensationifthedriver’srecordsaretakenintoconsideration.（7）Theamountofpayoutincompulsoryautomobileliabilityinsuranceshouldbeflexiblebutexaminationshouldbestrict.Keywords:compulsoryautomobileliabilityinsurance,driverfactor,vehiclefactor,Chi-squaretest,ANOVA,Kruskal-Wallistest.致謝離開校園進入社會工作已十餘載，總感覺過去年少輕狂、蹉跎歲月，頗有書到用時方恨少的感慨！後來輾轉得知高科大有在職進修的機會，在家人及公司同仁的鼓勵下，毅然嘗試報考，希望能一償年輕時未完成的夙願。當再度踏進校門與在學的莘莘學子共同學習，抱著既期待又怕趕...
