ตัวแบบการถดถอยที่มีผลกระทบจากค่าศูนย์ ประยุกต์ใช้กับจำนวนครั้งของการเรียกร้องค่าสินไหมทดแทนในประกันภัยรถยนต์ภาคสมัครใจ ZERO-INFLATED REGRESSION MODEL APPLIED FOR VOLUNTARY MOTOR CLAIM INSURANCE

บทคัดย่อ

In the motor insurance business, the study of factors affecting the number of claims to estimate the frequency of damage and it can lead to calculate the loss cost precisely. The calculation of the loss cost that accuracy and precision will enable the company to set up adequate premium for the reserve and allocate money to invest in the resources to invest in cost-effectively. The appearance of the number of claims have an excess of zero counts since the car that are under the policy is not an accident or the insured has the deductible, fixed amount of an insurance claim that is the responsibility of the insured, and which the insurance company will deduct from the claim payment. For this reason, this research has been applied the zero-inflated regression model to solve problems of an excess of zero counts. The regression model that used in this research are zero-inflated Poisson regression model and zero-inflated negative binomial regression model.

The results found that the regression model selected from this study was the zero-inflated negative binomial regression model and the factors affecting the claim are the insured age, vehicle age, vehicle size, and model.