Typhoons and opportunistic fraud : claim patterns of automobile theft insurance in Taiwan

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<title>Typhoons and opportunistic fraud</title>
<subTitle>: claim patterns of automobile theft insurance in Taiwan</subTitle>
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<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20140008032">
<namePart>Pao, Tsung-I</namePart>
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<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080662998">
<namePart>Tzeng, Larry Y.</namePart>
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<abstract displayLabel="Summary">We present evidence to support the existence of opportunistic fraud in the automobile theft insurance market in Taiwan. After encountering a typhoon hit, the insured who purchase automobile theft insurance but do not purchase typhoon/flood insurance tend to have a significantly higher probability of filing a total theft claim than other insured. The above relationship exists mainly in places affected by typhoons. Such evidence does not exist in partial theft claim. These claim patterns of automobile theft insurance provide us with strong evidence that supports the existence of opportunistic fraud in the market.</abstract>
<note type="statement of responsibility">Tsung-I Pao, Larry Y. Tzeng, Kili C. Wang</note>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080603779">
<topic>Seguro de automóviles</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080639136">
<topic>Robo</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20140007745">
<topic>Tifones</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080591052">
<topic>Fraude en el seguro</topic>
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<subject authority="lcshac" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20120019256">
<geographic>Taiwan</geographic>
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<classification authority="">322</classification>
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<title>The Journal of risk and insurance</title>
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<originInfo>
<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
<identifier type="local">MAP20077000727</identifier>
<part>
<text>03/03/2014 Volumen 81 Número 1 - marzo 2014 , p. 91-112</text>
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