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    Please use this identifier to cite or link to this item: http://tkuir.lib.tku.edu.tw:8080/dspace/handle/987654321/68350

    Title: Evidence for Adverse Selection in the Automobile Insurance Market
    Authors: Huang, Rachel J.;Tzeng, Larry Y.;Wang, Kili C.
    Contributors: 淡江大學保險學系
    Keywords: insurance market, asymmetric information, adverse selection.
    Date: 2006-09
    Issue Date: 2011-10-23 11:54:50 (UTC+8)
    Publisher: International Association for the Study of Insurance Economics
    Abstract: This paper proposes a new method to directly test the existence of adverse
    selection in the automobile insurance market. By tracing the renewal decisions of the
    insured, we find that, in Taiwan automobile insurance market, the choice of insurance
    coverage and the previous-year claim records are positive ly correlated, which can be a
    result of adverse selection but not of moral hazard. We further find that the loss ratio is
    positively correlated to the choice of insurance coverage. This indicates that
    cross-subsidization may exist in the market. The finding of cross-subsidization further
    strengthens the evidence to support the existence of adverse selection.
    Relation: Proceedings of the 33rd Seminar of the European Group of Risk and Insurance Economists
    Appears in Collections:[Graduate Institute & Department of Insurance Insurance] Proceeding

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