Publication in refereed journal
香港中文大学研究人员 ( 现职)
| 叶家兴教授 (金融学系) |
全文
| 数位物件识别号 (DOI) http://dx.doi.org/10.1111/1539-6975.00055 |
引用次数
Web of Sciencehttp://aims.cuhk.edu.hk/converis/portal/Publication/10WOS source URL
其它资讯
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.
着者Doerpinghaus H, Schmit J, Yeh JJH
期刊名称JOURNAL OF RISK AND INSURANCE
出版年份2003
月份6
日期1
卷号70
期次2
出版社BLACKWELL PUBL LTD
页次185 - 205
国际标準期刊号0022-4367
电子国际标準期刊号1539-6975
语言英式英语
Web of Science 学科类别Business & Economics; Business, Finance; BUSINESS, FINANCE; Economics; ECONOMICS
