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Abstract ▼ AI-Helper

It is necessary to contemplate whether the current automobile insurance rate-making system that calculates insurance premium based upon the vehicle price is the optimum because the repair cost which occupies the majority of the insurance payment on collision coverage shows a big difference by car ...

It is necessary to contemplate whether the current automobile insurance rate-making system that calculates insurance premium based upon the vehicle price is the optimum because the repair cost which occupies the majority of the insurance payment on collision coverage shows a big difference by car models due to the vehicle diversification. According to the multiple correlation analysis on the variables affecting the amount of damages and the insurance payment, the repair cost shows the highest correlation followed by the new vehicle price, the maximum power, the engine displacement, the vehicle weight, the used vehicle value and the passenger capacity. Especially as for the vehicle price, it is revealed that a brand new model shows the lower correlation with the amount of damages than an old model and the SUV(Sports Utility Vehicle) shows the distinctly lower correlation than a sedan type vehicle. As a result of the regression analysis on the amount of damages, it shows that the model is more explainable when the repair cost variable is added with the vehicle price, the passenger capacity and the vehicle value. This result is more distinctive in case of the SUV. Therefore, it is highly recommended to reflect the repair cost in the rate-making system of the collision coverage. If the insurance premium is calculated in terms of the repair cost along with the vehicle price and value, the current problems that damageability and repairability of the vehicle could be affected by the variation of the vehicle price could be solved. Moreover, it would contribute to improve the vehicle design by vehicle manufacturers as well as affect to minimize the increase of the automobile part price.

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