| Since the reform and opening up,with the increase of people’s disposable income,the continuous improvement of people’s living standards,the number of household cars increased year by year,the frequency of traffic accidents in China also increased,so the road traffic safety problem is increasingly concerned by the society.In order to better protect the legitimate rights and interests of the victims after the accident,China promulgated the regulations on compulsory liability insurance for motor vehicle traffic accidents(hereinafter referred to as the regulations)in 2006.The promulgation and implementation of the regulations marks the official use of compulsory insurance for motor vehicle traffic accident liability in China.However,in recent years,the frequent occurrence of "the collision of luxury cars" proves that the strength of the insurance is insufficient,so it is particularly important for the policyholder to take the commercial third party liability insurance(commercial third party liability insurance)as the supplement of the insurance.Due to the subjectivity of commercial three liability insurance,whether to insure and the amount of insurance are all decided by the policyholders themselves,so in our country,it is still very common for the car owners to only insure the compulsory insurance but not the commercial three liability insurance.In this context,it is of theoretical and practical significance to investigate and analyze the influencing factors of the insurance of the third party liability insurance of the household automotive business to improve the degree of protection of the owners of household automotive and promote the healthy development of the automobile insurance business.In this paper,Urumqi home car owners as the research object,to investigate and analyze the influencing factors of commercial three liability insurance of home car.On the basis of combing the relevant literature at home and abroad,combined with the actual needs,the questionnaire design is carried out from the aspects of personal basic characteristics,household car characteristics,three liability insurance coverage and risk preference characteristics,and through the online and offline two ways to investigate the car owners in Urumqi,a total of 875 valid questionnaires are recovered.Through Pearson chi square analysis and binary logistic regression analysis of the data obtained from the questionnaire,this paper concludes that: the age of the respondents,driving age and the age of the family car are inversely proportional to the willingness to take out the three liability insurance for the business of the family car;the frequency of the use of the family car is directly proportional to the willingness to take out the three liability insurance for the business of the family car;in addition,the risk preference of the respondents is directly proportional to the willingness to take out the three liability insurance for the business of the family car Whether to take out the commercial three liability insurance of household automobile has great influence.Finally,from the three aspects of product,marketing and service,it puts forward the suggestions of optimizing product design,implementing differentiated pricing,strengthening relevant publicity,reducing intermediary costs,implementing precision marketing and improving the service satisfaction of insurance companies to promote the further development of the thirdparty liability insurance of Urumqi family car business.This study hopes to improve the willingness of the third-party liability insurance in Urumqi city through the countermeasures and suggestions,which is conducive to the sustainable and healthy development of the automobile insurance business of the insurance company,on the other hand,it is conducive to improving the protection of the third party liability insurance to the policyholder and the third party injured by traffic accident,and reducing the risk protection gap caused by the insufficient protection of the third party liability insurance. |
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