Asymmetric information in automobile insurance : evidence from driving behavior

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<title>Asymmetric information in automobile insurance</title>
<subTitle>: evidence from driving behavior</subTitle>
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<namePart>Kremslehner, Daniela </namePart>
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<abstract displayLabel="Summary">Based on a unique data set of driving behavior we test whether private information in driving characteristics has significant effects on contract choice and risk in automobile insurance. We define a driving factor based on overall distance driven, number of car rides, and speeding. Using local weather conditions, we account for the endogeneity of the driving factor. While this driving factor has an effect on risk, there is no significant evidence for selection effects in the level of third-party liability and first-party insurance coverage.</abstract>
<note type="statement of responsibility">Alois Geyer, Daniela Kremslehner, Alexander Muermann</note>
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<topic>Información asimétrica</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080603779">
<topic>Seguro de automóviles</topic>
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<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080621100">
<topic>Conducción automovilística</topic>
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<topic>Cálculo actuarial</topic>
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<topic>Matemática del seguro</topic>
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<title>The Journal of risk and insurance</title>
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<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
<identifier type="local">MAP20077000727</identifier>
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<text>01/12/2020 Volumen 87 Número 4 - diciembre 2020 , p. 969-995</text>
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