The Experts below are selected from a list of 12 Experts worldwide ranked by ideXlab platform
Wen-chang Wang - One of the best experts on this subject based on the ideXlab platform.
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A Study on the Claim Factor of Automobile Burglary Insurance─ The Case of Central Areas in Taiwan
國立高雄第一科技大學-風險管理與保險研究所, 2011Co-Authors: Wen-chang WangAbstract:[[abstract]]本研究目的是針對汽車竊盜損失險理賠因素對賠款之影響做研究，找出其彼此之相關性為何。本文利用某產物保險公司某一單位之汽車竊盜損失險理賠資料，運用廻歸分析來觀測變數間的關係，研究結果發現，在廠牌車型、車主性別、業務來源、經過期間、失竊地區等自變數與依變數理賠金額具顯著關係。 實證結果支持本研究假設與實務狀況，其中汽車失竊與廠牌車型確實有關。而自變數之間，車主性別與駕駛性別之比例正好呈反比，此顯示出車主的投保行為，存在著逆選擇的現象。另外投保期間經過愈長其汽車失竊比例愈高，也讓我們對於車主之風險意識有了更進一步的認識。而失竊地區對於賠款存在著高度的影響，如此反應出汽車竊盜險費率之制訂，應該納入地區加費之概念，以符費率公平原則。[[abstract]]The purpose of this research is concentrated on researching the claim factors of automobile Burglary Insurance how to impact the loss amount and find out what their correlation. This article is resourced from one of a unit of an Insurance company for automobile Burglary Insurance claims information to make use of regression analysis and supervise their correlation of variables. The results is found out that there are appeared significant relationship between independent variables and dependent variables from types of car、sex of car’s driver、business resources、insured period、area of theft occurred and etc. The result is approved to support this research of scenario and current conditions, respectively in automobile Burglary Insurance and types of car have actual related. In among of independent variables, there are showed an inverse ratio between the sex of insured and sex of car’s driver, which indicates a negative selection from the insured. In addition, the insured period is longer and automobile theft ratio is getting higher. It makes us to more understand on the sense of risk by insured. For area of theft occurred, the loss ratio exists highly influence in order to reflect to draft the rating of automobile Burglary Insurance which shall be included the concept of area loading modification to meet the principle of fair rating
Eloise Moss - One of the best experts on this subject based on the ideXlab platform.
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Burglary Insurance and the culture of fear in britain c 1889 1939
The Historical Journal, 2011Co-Authors: Eloise MossAbstract:This article explores the representations of Burglary and burglars created by the Burglary Insurance sector in late nineteenth- and early twentieth-century Britain. Two lines of argument are developed: first, that the marketing strategy of the Burglary Insurance sector exacerbated existing fears about the nature and prevalence of Burglary in a calculated bid to attract custom; and secondly, that the depictions of crime and criminal used in marketing this form of Insurance were subsequently revised in the contracts issued to customers as part of the industry's commercial transactions, thereby securing against supposed ‘negligence’ by homeowners as well as malicious attempts to defraud insurers. As the self-styled commercial ‘protection’ against Burglary, Burglary Insurance became an ordinary household investment. Its prosperity therefore enables us to identify certain ideas about crime and criminal then current. Crucially, this research highlights the intersection of media, state, and market discourse about crime in weaving a specific version of Burglary into the very fabric of everyday life, uniting three domains that historians of crime have traditionally treated separately.
Gui Janice - One of the best experts on this subject based on the ideXlab platform.
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Burglary Insurance Policies; Reasonable Expectations; Unconscionability; Application of Implied Warranty of Fitness; C & J Fertilizer, Inc. v. Allied Mutual Ins. Co.
IdeaExchange@UAkron, 2015Co-Authors: Gui JaniceAbstract:THE IOWA SUPREME COURT handed down a landmark decision in C & I Fertilizer, Inc. v. Allied Mutual Ins. Co.\u27, in holding that Insurance policies carry implied warranties that they are fit for their intended use. The impetus for this decision was a clause in a Burglary and robbery policy which defined Burglary as . . . the felonious abstraction of insured property . . . from within the premises by a person making felonious entry therein by actual force and violence, of which force and violence there are visible marks made by tools, explosives, electricity or chemicals upon, or physical damage to, the exterior of the premises at the place of such entry .... The C & J Fertilizer Co. had requested Insurance coverage from the defendant Insurance company. During the negotiations that followed, the defendant\u27s agent had pointed out that there had to be visible evidence of any Burglary, but had not informed the plaintiff that such evidence had to be located at the exterior of the premises at the place of entry. The Insurance was purchased after this negotiation between the two parties, but the policy, with its restrictive definition of Burglary, was not delivered until sometime later
Gómez Santos María - One of the best experts on this subject based on the ideXlab platform.
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Burglary Insurance of money and jewels in uninhabited houses. ¿Does it constitute a delimitation of the risk or a right´s limitation?
Centro de Estudios de Consumo. Universidad de Castilla-La Mancha, 2016Co-Authors: Gómez Santos MaríaAbstract:La utilización de condiciones generales, la posición desventajosa del consumidor y el vidrioso art.3 de la Ley del Contrato de Seguro favorecen la inclusión de determinadas condiciones en los seguros multirriesgo del hogar cuya naturaleza va un paso más allá de la tradicional distinción entre las denominadas cláusulas limitativas de derechos y las delimitadoras del riesgo. El presente artículo, partiendo de esa premisa, trata de arrojar luz sobre una cláusula cada vez más frecuente en este tipo de seguros -el robo de joyas y dinero en domicilio deshabitado-, analizando si su naturaleza se aproxima más a un carácter delimitador o limitativo, con las consecuencias jurídicas que ello implicaThe use of general conditions, the disadvantageous consumer´s position and the technical inaccuracies of the Insurance Contract Law facilitate the inclusion of certain conditions in home multi-risk Insurances whose nature goes beyond the traditional distinction between clauses limiting rights and those ones delimiting risks. This paper, based on the afore mentioned premise, provides an examination of this sort of clauses included in this Insurance policies - Burglary of jewelry and money in an uninhabited house-, analyzing if its nature is closer to a delimiting clause or to a limiting character, deepening into the legal consequences that this election involv
