根据速度支付计划的利能力分析
Sina Sahebi1, Khashayar Khavarian2, Habibollah Nassiri2
1School of Civil, Water, and Environmental Engineering, Shahid Beheshti University, Tehran, Iran.
Traffic injury prevention
|June 9, 2023
概括
伊朗的基于使用的保险 (UBI) 显示,随着更高的探测器使用,政府的利能力增加,但保险公司面临挑战. 政府的支持对于UBI的成功至关重要.
科学领域:
- 经济学 经济学 经济学
- 运输政策 运输政策
- 保险技术 保险技术 保险技术
背景情况:
- 基于使用的保险 (UBI) 计划通过保费折扣激励更安全的驾驶.
- 成功实施UBI取决于诸如隐私问题,社会信任和可用的保险选择等因素.
- 设计有效的UBI折扣方案是复杂的,并因国家和场景而异.
研究的目的:
- 对伊朗政府和保险公司的UBI支付按使用速度的利能力进行调查.
- 告知决策者关于UBI支付速度的潜在影响.
- 分析UBI计划的财务可行性,考虑驾驶行为和减少碰撞.
主要方法:
- 一个综合群体被采用了接受和事故频率模型 (逻辑和波桑回归).
- 根据先前的研究,模拟了六个UBI计划.
- 事故成本估计使用伊朗中央保险公司的一年数据.
主要成果:
- 通过UBI计划实现了最高的政府收入,该计划不提供保费折扣和设备租费.
- 探测器透率的提高提高了政府的利能力,减少了车祸.
- 监控设备成本和保费折扣抵消了保险公司的利能力,尽管事故减少了.
结论:
- 政府的便利化对于UBI计划的实施至关重要.
- 私人保险公司可能不愿意在没有政府参与的情况下提供UBI.
- 该研究强调了政府和私人保险公司在UBI计划中的不同利结果.
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