对欺诈行为的态度以及提出第一方和第三方人身伤害汽车保险索赔的决定

IF 1.1 Q3 BUSINESS, FINANCE
Dana A. Kerr
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引用次数: 0

摘要

本研究通过确定对欺诈行为的态度与车祸伤者提出人身伤害汽车保险索赔的决定之间的关系,探讨在汽车保险索赔决定中是否存在事后道德风险。尤其值得关注的是,这些态度对第一方人身伤害车险索赔倾向的影响,而这一点在之前的研究中并没有被特别指出。本研究采用多叉逻辑回归模型,利用调查数据直接捕捉 1995 年至 1998 年间全美汽车事故中人身伤害的第一方和第三方汽车保险索赔决定。结果表明,除了第三方索赔外,第一方人身伤害汽车保险索赔决策中也存在事后道德风险,尽管第一方和第三方保险欺诈的动机可能存在差异。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Attitudes toward fraudulent behavior and the decision to file first‐party and third‐party bodily injury auto insurance claims
This research explores the presence of ex post moral hazard in auto insurance claim filing decisions by determining the relationship between attitudes toward fraudulent behavior and the decisions by those injured in auto accidents to file bodily injury auto insurance claims. Of particular interest is the effect of these attitudes on the propensity to file first‐party bodily injury auto insurance claims, which has not been specifically identified in earlier studies. A multinomial logistic regression model is used to take advantage of survey data that directly capture the first‐ and third‐party auto insurance claim filing decisions for bodily injuries suffered in auto accidents across the United States between 1995 and 1998. The results indicate that, in addition to third‐party claims, ex post moral hazard is present in first‐party bodily injury auto insurance claim filing decisions as well despite possible differences in the incentives to commit first‐party and third‐party insurance fraud.
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来源期刊
Risk Management and Insurance Review
Risk Management and Insurance Review Economics, Econometrics and Finance-Finance
CiteScore
1.90
自引率
0.00%
发文量
28
期刊介绍: Risk Management and Insurance Review publishes respected, accessible, and high-quality applied research, and well-reasoned opinion and discussion in the field of risk and insurance. The Review"s "Feature Articles" section includes original research involving applications and applied techniques. The "Perspectives" section contains articles providing new insights on the research literature, business practice, and public policy. The "Educational Insights" section provides a repository of high-caliber model lectures in risk and insurance, along with articles discussing and evaluating instructional techniques.
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