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 16.4 1区 化学 Q1 CHEMISTRY, MULTIDISCIPLINARY
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
Accounts of Chemical Research
Accounts of Chemical Research 化学-化学综合
CiteScore
31.40
自引率
1.10%
发文量
312
审稿时长
2 months
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.
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