適合逢甲學生之機車保險研究

Abstract

機車事故發生率最高的年齡層，正好是「在學學生」或社會新鮮人。許多大專院校學生因騎乘機車發生的死亡、受傷案件層出不窮，若是可以制定一份更為適合大專生的保險能使得其降低受傷後的後續延伸問題，而其中對於大專生來說「財損」無疑是最大的問題，若是有份合宜的保險能大幅降低學生的經濟問題。 研究方法為探究逢甲大學學生機車事故之特性，以及影響機車危險駕駛行為之因素，本研究之研究方法有(1)文獻評析法(2)問卷、統計分析法(3)迴歸模型。 透過實證結果我們發現，(1)學生擁有正確保險知識者，較願意投保超額險、乘客險以及車體險，(2)在學生的車禍經驗中曾有過雙載者，較願意投保乘客險，(3)車禍時有較大損失者，越願意投保超額險以及車體險，因此若能將超額險、乘客險、車體險納入學生團體保險中，便能替逢甲學生減少風險。

The age group with the highest incidence of scooter accidents happens to be "students" or newcomers in society. Many college students have been killed and injured by scooters. If a more suitable insurance policy can be developed for college students, it can reduce the follow-up extension problems after injury. For college students, "property damage" "It is undoubtedly the biggest problem. If there is a proper insurance, the financial problems of students can be greatly reduced. The research method is to explore the characteristics of scooter accidents of students from Feng Chia University and the factors that affect the dangerous driving behavior of scooters.The research methods of this study include (1) literature review method (2) questionnaire, statistical analysis method (3) regression model. Through empirical results, we found that (1) students with correct insurance knowledge are more willing to insure excess insurance, passenger insurance and vehicle body insurance; (2) students who have double-carried in their car accident experience are more willing to insure passenger insurance , (3) Those who have greater losses in a car accident are more willing to insure excess insurance and car body insurance. Therefore, if excess insurance, passenger insurance, and car body insurance can be included in student group insurance, it can reduce risks for students of Feng Chia.