个人保险(第4版)_作者：〔美〕瑞达等

(4):01-2002-5262(CIP)(4)/;.:,2003.8()ISBN7-301-06357-1...---.F840.6CIP(2003)0447942000InsuranceInstituteofAmericaAllrightsreserved.Thisbookoranypartthereofmaynotbereproducedwithoutthewrittenpermissionofthepub-lisher.(InsuranceServicesOffice,Inc.)InformationwhichisproprietarytoInsuranceServicesOffice,Inc.(ISOMaterial)isincludedinthispubli-cation.UseoftheISOMaterialislimitedtoISOParticipatingInsurersandtheirAuthorizedRepresentatives.UsebyISOParticipatingInsurersislimitedtouseinthosejurisdictionsforwhichtheinsurerhasanappropriateparticipationwithISO.UseoftheISOMaterialbyAuthorizedRepresentativesislimitedtousesolelyonbehalfofoneormoreISOParticipatingInsurers.::(4):,,,;,::ISBN7-301-06357-1/F0643::100871::[e-mail]::7309801625.125437200381200381:39.00(INS22)(IIA)(INS),12,,,,3,,,,,,,;,;;,,;,,,,,CPCU(AmericanInstituteforCharteredPropertyCasualtyUn-derwriter)(InsuranceInstituteofAmerica)(,AICPCU),15(INS)(CPCU,CharteredPropertyandCasualtyUnderwriter),(INS),(CPCU)(INS),,,,,,INSINS,INS,WTO,,,,,,,,,AICPCU,,,,,,,,,,,:,,(INS22)(INS23),(INS21)2/(StateFarmInsuranceCompanies)AICPCU,(INS21)INS21,13,46,710INS22INS23,17,813,,,,,AICPCU,:(IntroductiontoUnderwriting)(IntroductiontoClaims)(As-sociateinManagement,AIM)(AssociateinInsuranceFi-nance&Accounting,AIAF)(AssociateinPersonalInsurance,API)(AssociateinPremiumAuditing,APA)(Asso-ciateinReinsurance,ARe)(AssociateinRiskManagement,ARM)(AssociateinUnderwriting,AU)(IR201,InsuranceRegulation)(GEI203,GlobalEnvironmentofInsurance),,,(StateFarmInsuranceCompanies)200383/(AmericanInstituteforCharteredProp-ertyCasualtyUnderwriters)(InsuranceInstituteofAmerica),,(CPCU)(IIA):,,,,,,1995(theInsuranceInstituteforAppliedEthics),,(InsuranceResearchCouncil,IRC)1977,,1998,IRCCPCU,IRC,IRC,IRC,IRC1976,,,,,,,,E.CPCU,CLU,6/44334,(PAP)19981012,()(),34,1012,,,4,CPCUL.,CPCU,CLU,CRMM.,CPCU,AAI,AIM,AIS,CPIWJ.,J.D.,CPCU,AIC,AIAF,CLU-V.J.Skutt,CPCU,AIC,AAI(FarmBureauInsuranceCompanies),,(ISO),20002001,A.,CPCU,ARM,AU,AAI,API8/3(IIA)(INS)INS22,,INSINS22,INS22,INS(INS21),(INS23),INS21INS22INS23IIA,,,,,,,,INS,M.(CPCU,ALCM,),,:E.,CPCU,CIC,AMIM,AAIE.,CLUUSAA,CPCU,CPIW-D.,CPCU,AAIHRHL.,CPCU,CLU,CPCU,CPIWUSAAW.,CPCU,CLU,ChFCR.M.R.,CPCU,AAI,CPIWC&SA.A.,CPCU,AIM(AllstateInsuranceCompany)J.,CPCU(ISO),(CPCU,),:G.,CPCU01/(AAIS)M.AAIS(CPCU,ARP),,AAIS,(CPCU,AIC,AAI,),,:H.,CPCU,CLU()M.,AU,AAI,CPCUS.,CPCUL.,CPCUB.,AAI,AIS113/J.,J.D.(CPCU,AIC,AIAF,)O.(AAI,),,,D.,,,3,J.J.(CPCU,Northridge),2INS,INS,,INS,,,E.M.L.R.21/(IIA):W.,CPCU,CLU,ChFC,CPCU,AMIM,CPIWM.A.,CPCU,ARM,AU,AAI,API123(PAP)ABC4()DEF53(HO-3)6()7ISOAAISISO89102/11123/1,,,,,,,,(),,10()()1,,,,:,,,,1995Escort,1997Sentra,;,,,????,,,,?,,,,,,(),:()()2/:,,,,,,,,,,,,,,?,,,,,:,,31/,,,,,,(),,(),,,,,,,,,,,,,:()4/(),,,,,,,,,,,:??,,,,:,,,51/,,,,,:,1-11-11ï.,2.,,3.4.(),1-21-2,,,,,,,,,,,,,6/,,,,,,,,(),,,,,,,,,2,,:71/(),,,,,,,,,,,,:,,8/,,,,,(E&O),(E&O)(),E&O(),,,,,,;,,,,,,,,,,:91/,;,,,,(),(),,,;,,,(),()01/,,,,,,(),,,,,,,,,,,,;;;,111/,,,,;;;,;,:,,,,,,,(),,,:(PAP),,:21/(FAIR),,,,1-3,1-3:,::()(PAF),311/?,,()(,),,,??,,,,?,,,,,,:(),,,,;,;,:41/,,(E&O),,,,511/2,,,(),,,:(NSC),,2000,1/9120,5700198419947(),1995,43900(),19945%,,,,,,1995,640,,;,2090,,,,712/PeterPerl,TheGlassandSteelMenagerie,TheWashingtonPostMagazine,July7,1996,pp.1213.FatalAccidentsonRise,NationalSafetyGroupsays,TheWashingtonPost,October10,1996,p.A22.Best’sAggregatesandAveragesProperty-Casualty(Oldwick,NJ:A.M.BestCompany,1995),pp.339and352.Best’sAggregatesandAveragesProperty-Casualty(1992,1993,1994and1995).,,:,20805%10%1993,,7%,;19881993,20%,1995,25%,,,1995,,,41%2-1200181/UninsuredMotorists(OakBrook,IL:All-IndustryResearchAdvisoryCouncil[NowtheInsuranceResearchCouncil],October1989),p.3.DavidW.Sommer,GeorgeE.Hoffer,andElbertG.Miller,FinancingUninsuredMotorists:Premiumsatthepump,JournalofInsuranceRegulation,Spring1995,p.361.FatalAccidentsonRise,NationalSafetyGroupsays,TheWashingtonPost,October10,1996,p.A22.(InsuranceInstituteforHighwaySafety),1-1,,,2-12001(%)(*0.080.08)162030ò14e26Ù213057ò30e50Ù314053ò33e47Ù415047ò27e41Ù516031ò13e26Ù6011ò4e9Ù39ò19e32Ù*(BAC):(InsuranceInstituteforHighwaySafety)(InsuranceInstituteforHighwaySafety),,,,(MothersAgainstDrunkDrivers,MADD)(StudentsAgainstDrunkDrivers,SADD)(InsuranceIn-stituteofHighwaySafety,IIHS,),1986,2-22-219861995,:(FatalAccidentReportingSystem);(NationalHighwayTrafficSafetyAdministration)912/;;,,,,,,,,1995,,5.1%20,13%,10.9%2-32-31995(%)(%)(%)209052000%5].15500 10.92310000×13þ.0202416164000%9].17300 14.62570000×14þ.6253439442000%22].212300 24.44470000×25þ.4354439409000%22].210000 19.83570000×20þ.3455429045000%16].46000 11.92120000×12þ.0556419240000%10].83600 7.11180000×6þ.7657415938000%9].02900 5.6840000×4þ.8749142000%5].22900 5.7540000×3þ.1177432000%100].050500 100.017600000×100þ.0:AccidentFacts,1996edition,Itasca,IL:NationalSafetyCouncil,1996(NationalSafetyCouncil)02/TheFactBook1997:Property/CasualtyInsuranceFacts(NewYork,NY:InsuranceInformationInstitu-te,1996),p.86.,,:,,1,,,,,,,,/,,122/GeorgeE.Rejda,PrinciplesofRiskManagementandIns