ARE GREEN CAR DRIVERS FRIENDLY DRIVERS? A STUDYOF TAIWAN'S AUTOMOBILE INSURANCE MARKET
利用台湾强制责任险的理赔数据和每辆车的行驶里程数据，研究发现绿色汽车驾驶员的事故风险显著更低，但他们平均行驶里程更高，且里程增加会提高事故概率。
A BSTRACT By integrating claims data from Taiwan's compulsory liability insurance with a unique data set on driving mileage records for each car, this article examines whether green car drivers have lower accident risk. We find that after controlling for the mileage driven per car, the traffic accident risk of green car drivers is significantly lower. Our empirical evidence also confirms that green car drivers are, on average, high‐mileage drivers. Moreover, driving more results in a higher accident probability for green car drivers despite their being lower‐risk drivers. The policy implications are discussed.