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標題: | 我國保險公司給付保險金訴訟研究 Empirical Study about the Insurance Claim Litigation |
作者: | 楊家豐 Chia-Feng Yang |
指導教授: | 林姿婷 Tzu-Ting Lin |
關鍵字: | 訴訟研究,實證研究,保險金給付訴訟,雇用訴訟代理人,評議結果, litigation study,empirical study,litigation of insurance claim,attorney claim,decision by the Financial Ombudsman Institution, |
出版年 : | 2023 |
學位: | 碩士 |
摘要: | 本研究主要尋找會影響判決結果之與糾紛事實不相關之客觀因素。以2020年第三季至2021年第四季共一年半之保險金給付判決資料為樣本,並以保險公司給付保險金之比率與保險公司是否不須給付保險金為應變數,以判決常見且保險公司得事前觀察之客觀事實為自變數,分別藉由最小平方法與最大概似估計法估計模型系數,建立多元線性迴歸與羅吉斯迴歸兩模型。
實證結果顯示,本文所選用之自變數中,「原告是否雇用訴訟代理人」、「事件是否經評議中心調處」及「保險人前一季資產總額」在兩模型中為顯著影響應變數之因素,而「原告是否為自然人」僅於線性迴歸模型中呈現顯著影響應變數。因此本研究推論現行我國消費者保護法對於「消費者」之定義過於寬鬆,致使將不應受保護、經濟與社會地位較高之多數法人納入保護範圍,然法院在形成判決時,亦會嘗試透過保險法與民法中之部分法條之適用,衡平不同原告之救濟權益與權利保護,最後以「訴訟代理人於訴訟中為顯著影響訴訟勝敗之原因」、「評議結果具有專業性且受法院信賴,保險公司亦應爭取對其有利之評議決定」及「我國法院之判決,並不受到事實以外之負面因素影響」作為本文之結論,並提供兩迴歸模型供保險公司評估其所面對之判決勝訴率。 This paper focuses on objective factors unrelated to the facts of the dispute that affect the judgement. Using one and a half years of insurance claims judgment data from the third quarter of 2020 to the fourth quarter of 2021 as the sample, it constructs one multiple linear regression model with the dependent variable, the rate of policy proceeds insurance companies should pay, and the coefficients estimated by ordinary least squares method, and one logistic regression model with the dependent variable, whether the insurance companies are not required to pay the policy proceeds, and the coefficients by maximum likelihood estimation method. It also collects the objective facts that are common in the judgments and could be observed by the insurance companies beforehand as the independent variables. The empirical results show that among the independent variables selected in this paper, "whether the plaintiff hired an attorney as litigation agent", "whether the case was mediated by the Financial Ombudsman Institution" and "the insurer's total assets in the previous quarter" are significant factors affecting the dependent variable in both models, besides, "whether the plaintiff is a natural person" only significantly affects the dependent variable in the linear regression model. Therefore, it infers that the current definition of "consumer" in the consumer protection law in our country is too broad, leading to the inclusion of a majority of legal entities with higher economic and social status in the scope of protection. However, when forming judgments, the court also attempts to balance the rights and interests of different plaintiffs and protect their rights through the application of relevant provisions in insurance law and civil law. Finally, it concludes that "attorney are a significant factor in the success or failure of litigation", "insurance companies should strive for a favorable decision by the Financial Ombudsman Institution because of the professionalism and trust of the court", and "our courts' decisions are not influenced by negative factors other than facts". It also offers two regression models for insurance companies to evaluate their possibility of success in judgments. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/87961 |
DOI: | 10.6342/NTU202301050 |
全文授權: | 未授權 |
顯示於系所單位: | 財務金融學系 |
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