| Auto insurance industry in our nation keeps improving from 1980's, since 1988, auto insurance has become the most important part for almost all insurance firms. While domestic car industry develops so fast from 2000, the auto insurance industry keeps increasing in a high rate. Because the Premium for auto insurance has kept increasing, this part of income has become more and more important for insurance companies. However, insurance companies in our nation still have a lot of problems to deal with, such as high claim ratio. As a matter of fact, high accident ration, high premium and high claim ration are very common in car insurance industry. However, the morale problems are really the cause of high claim ratio in our country.Although there are a lot of researches in morale problems of insurance, they seldom focus on car insurance industry. Therefore, this paper mainly focuses on car insurance industry's morale problems before and after the accident, with very professional and systematic analysis. Furthermore, it gives suggestion about morale problems prevention based on gaming theory.First of all, this paper will analyze the development of car insurance industry, and the income of it from 2000 to 2006. It will also prove that car insurance has become the most important part for insurance firms with a lot of data. Then conclude that the biggest obstacle for car insurance industry is morale problems. Second, explain the difference between morale problems before accident and morale problems after accident, and analyze expressive form, cause and effects. Third, build the gaming theory model for morale problems before accident and morale problems after accident, give suggestions and solutions based on the model. Forth, gives suggestions about how to build prevention system against morale problems. Both quantitative analysis and qualitative analysis, which are the main analysis methods, will be used in this paper, demonstration analysis and comparative analysis be used as well. |
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