摘要： This article proposes that vehicle maintenance records can provide useful information for predicting the probability that an owner will have an automobile accident. To test the hypothesis, we use a unique data set that is merged from an insurance company and a vehicle manufacturer in Taiwan. We find weak evidence to support our hypothesis. Among all the proxies for proper maintenance, we indicate that proper maintenance defined by the recommended kilometers is significantly negatively correlated with the loss probability in compulsory automobile liability insurance. The average loss probability decreases by 0.23 percent when the insured vehicle is properly maintained according to the recommended number of kilometers in the previous years, whereas the average loss probability for the overall sample is 0.49 percent. We further find that proper maintenance is insignificantly correlated with loss severity. 出版者： Malden, USA: Blackwell Publishing Inc 出版日期： 2012-06 出處： The Journal of risk and insurance, 2012-06, Vol.79 (2), p.567-584 資源來源： Healthcare Administration Database 版權： 2012 The American Risk and Insurance Association 版權： The Journal of Risk and Insurance, 2011 版權： COPYRIGHT 2012 American Risk and Insurance Association, Inc. 版權： Copyright American Risk and Insurance Association, Inc. Jun 2012 識別號： ISSN: 0022-4367 識別號： ISSN: 1539-6975 識別號： EISSN: 1539-6975 識別號： DOI: 10.1111/j.1539-6975.2011.01433.x
