Dynamic insurance decision-making for rare events : the role of emotions
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| Tag | 1 | 2 | Valor |
|---|---|---|---|
| LDR | 00000cab a2200000 4500 | ||
| 001 | MAP20180014710 | ||
| 003 | MAP | ||
| 005 | 20180525131628.0 | ||
| 008 | 180516e20180402esp|||p |0|||b|spa d | ||
| 040 | $aMAP$bspa$dMAP | ||
| 084 | $a219 | ||
| 100 | $0MAPA20100041284$aKunreuther, Howard | ||
| 245 | 1 | 0 | $aDynamic insurance decision-making for rare events$b: the role of emotions$cHoward Kunreuther, Mark V. Pauly |
| 520 | $aThis paper describes the results of a web-based experiment that uses respondents' stated preferences for purchasing insurance for low-probability, high-consequence events where the probability of a loss and its consequences are stable over time. We contrast the predictions of a model of insurance choice based on expected utility [E(U)] maximisation with those of an alternative behavioural model. The majority of subjects reported insurance purchasing behaviour consistent with expected utility theory; however, a sizeable number of uninsured individuals decided to purchase insurance after learning that they had suffered a loss whereby they responded that their prior choice to be uninsured made them unhappy. In this sense, the study shows that a loss coupled with self-reported emotions linked to the loss is likely to play an important role in convincing some uninsured persons to buy coverage. In contrast, insured individuals who did not suffer a loss rarely dropped coverage | ||
| 650 | 4 | $0MAPA20080588434$aToma de decisiones | |
| 650 | 4 | $0MAPA20080624019$aComportamiento del consumidor | |
| 650 | 4 | $0MAPA20080550585$aEmociones | |
| 650 | 4 | $0MAPA20080563790$aPredicciones | |
| 650 | 4 | $0MAPA20080592059$aModelos predictivos | |
| 700 | 1 | $0MAPA20080111427$aPauly, Mark V. | |
| 773 | 0 | $wMAP20077100215$tGeneva papers on risk and insurance : issues and practice$dGeneva : The Geneva Association, 1976-$x1018-5895$g02/04/2018 Volumen 43 Número 2 - abril 2018 , p. 335-355 |