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보험규제와 개인 소득이 자동차보험 가입에 미치는 효과: 미국 개인용 자동차보험 시장을 중심으로

The Effect of Insurance Regulations and Personal Income on Auto Insurance Purchases: Evidence from the US Personal Auto Insurance Market

김규동
한국리스크관리학회 (Korea Risk Management Society)|2021.03|리스크관리연구 (The Journal of Risk Management)|제32권 제1호|pp. 59-90|DOI 10.21480/tjrm.32.1.202103.003

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키워드

자동차보험보험가용성의무보험제도요율규제개인 소득과 보험가입Auto InsuranceInsurance AffordabilityCompulsory Insurance LawRate RegulationPersonal Income and Insurance Purchase
주제분류경영학

초록

본 연구는 미국 개인용 자동차보험 시장에서 의무보험제도, 요율규제 및 개인의 소득과 보험가입의 관계를 고정효과 회귀(fixed effect regression)분석과 FGLS(feasible generalized least squares) 회귀분석을 이용하여 연구한다. 의무보험제도, 요율규제 및 가구소득은 보험가입과 양의 관계를 가지고, 빈곤율은 보험가입과 음의 관계를 가지는 것으로 확인되었다. 그러나 빈곤율이 높을수록 의무보험과 보험가입의 양의 관계는 더 큰 것으로 확인되었는데, 이는 의무보험제도가 저소득 운전자에게 미치는 영향이 더 크다는 것을 의미한다

Abstract

This study examines the relationship between compulsory insurance laws, rate regulations and personal income and insurance purchases in the US personal auto insurance market, employing fixed effect regressions and feasible generalized least squares (FGLS) regressions. It is demonstrated that compulsory insurance laws, rate regulations, and household incomes are positively associated with insurance purchases, while poverty rates are negatively associated with insurance purchases. However, the higher the poverty rates, the larger the positive relationship between compulsory insurance laws and insurance purchases. It means that the effect of compulsory insurance laws on insurance purchases is greater for low-income drivers.

참고문헌 (40)

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