摘要： This article examines the accident externality from driving in terms of loss probability and severity by using a unique individual-level data set with more than 3 million observations from Taiwan. Two types of accident externality are, respectively, measured: the average number of kilometers driven per month per vehicle and the total number of speeding tickets per month. For both variables, we find significant evidence to support the existence of the accident externality. Moreover, we find that the accident externality is heterogeneous in terms of the vehicles' characteristics. 其他題名： Journal Risk and Insurance 出版者： Malvern: Blackwell Publishing Ltd 出版日期： 2014-12 出處： The Journal of risk and insurance, 2014-12, Vol.81 (4), p.735-756 資源來源： EBSCOhost OmniFile Full Text Select 版權： 2014 The American Risk and Insurance Association 版權： The Journal of Risk and Insurance, 2013 版權： COPYRIGHT 2014 American Risk and Insurance Association, Inc. 版權： American Risk and Insurance Association 識別號： ISSN: 0022-4367 識別號： EISSN: 1539-6975 識別號： DOI: 10.1111/j.1539-6975.2013.01517.x
