Personal bias in automobile claims settlement
Publication in refereed journal

香港中文大學研究人員

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替代計量分析
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其它資訊
摘要Despite the importance of claims handling practices to consumers and insurers, relatively little research has been done in this area. Our purpose here is to consider one aspect of automobile bodily injury liability claims management: the assignment of fault across parties as judged by the insured defendant's claims adjuster. Because legal fault assessment directly affects whether a defendant is held liable, and if so, for how much, this aspect of claims management is significant. We use accident data from the 1997 Insurance Research Council Closed Claim Survey to test for relationships between fault assessment and gender, age, and state comparative negligence rules. Controlling for actual fault, we find a greater assessment of fault against female, young, and elderly drivers. The results of the study are of interest to insurers seeking to provide better customer service, to consumer advocacy groups interested in claims settlement practices, and to insurance regulators.
著者Doerpinghaus H, Schmit J, Yeh JJH
期刊名稱Journal of Risk and Insurance
出版年份2003
月份6
日期1
卷號70
期次2
出版社BLACKWELL PUBL LTD
頁次185 - 205
國際標準期刊號0022-4367
電子國際標準期刊號1539-6975
語言英式英語
Web of Science 學科類別Business & Economics; Business, Finance; BUSINESS, FINANCE; Economics; ECONOMICS

上次更新時間 2020-22-10 於 00:17