Consumer insurance decisions : an empirical analysis of four real-world decisions

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      <subfield code="b">: an empirical analysis of four real-world decisions</subfield>
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      <subfield code="a">This thesis presents an empirical study of four different, but related, real-world automobile insurance decisions by 74 Pennsylvania drivers. Expected utility (EU) theory and innovation diffusion theory, two theories proposed as describing insurance decisions, were tested. Cognitive psychology methods were used to gather and examine verbal data, in order to compare subjects' mental models of the decision problems to those theoretical models. These methods minimized imposing researchers' views of the decision problem on subjects, something often unavoidable with other methodologies. Decisions examined were whether to buy optional collision coverage, choice of deductible, what liability limits to carry, and whether to take full or limited tort</subfield>
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