{"title":"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","authors":"Dana A. Kerr","doi":"10.1111/rmir.12266","DOIUrl":null,"url":null,"abstract":"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.","PeriodicalId":1,"journal":{"name":"Accounts of Chemical Research","volume":" 37","pages":""},"PeriodicalIF":16.4000,"publicationDate":"2024-04-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Attitudes toward fraudulent behavior and the decision to file first‐party and third‐party bodily injury auto insurance claims\",\"authors\":\"Dana A. Kerr\",\"doi\":\"10.1111/rmir.12266\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"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.\",\"PeriodicalId\":1,\"journal\":{\"name\":\"Accounts of Chemical Research\",\"volume\":\" 37\",\"pages\":\"\"},\"PeriodicalIF\":16.4000,\"publicationDate\":\"2024-04-19\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Accounts of Chemical Research\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.1111/rmir.12266\",\"RegionNum\":1,\"RegionCategory\":\"化学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q1\",\"JCRName\":\"CHEMISTRY, MULTIDISCIPLINARY\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Accounts of Chemical Research","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1111/rmir.12266","RegionNum":1,"RegionCategory":"化学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q1","JCRName":"CHEMISTRY, MULTIDISCIPLINARY","Score":null,"Total":0}
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.
期刊介绍:
Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance.
Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.