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Asymmetric information in automobile insurance : evidence from driving behavior
Recurso electrónico / Electronic resource
MAP20200040040
Geyer, Alois ‌
Asymmetric information in automobile insurance : evidence from driving behavior / Alois Geyer, Daniela Kremslehner, Alexander Muermann
Sumario: 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
En: The Journal of risk and insurance. - Nueva York : The American Risk and Insurance Association, 1964- = ISSN 0022-4367. - 01/12/2020 Volumen 87 Número 4 - diciembre 2020 , p. 969-995
1. Información asimétrica ‌. 2. Seguro de automóviles ‌. 3. Conducción automovilística ‌. 4. Cálculo actuarial ‌. 5. Matemática del seguro ‌. I. Kremslehner, Daniela ‌. II. Muermann, Alexander ‌. III. Título.