The unification bonus (malus) in postwall Eastern Germany [PDF]
, 2001 This paper presents estimates of the unification bonus for East Germans over the period 1991 to 1998. The unification bonus is defined as the discounted value of the difference between a person's actual income and his or her counterfactual real income ...
Beblo, Miriam +2 more
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Optimal claim behaviour for third-party liability insurances with perfect information [PDF]
In this paper we analyse the optimal claim behaviour of a policy holder having a third-party liability insurance in which one is allowed to decide at the end of an insurance year which damages occurred during that year should be claimed.
Dellaert, N.P. +2 more
core +1 more source
The unification bonus (malus) in postwall Eastern Germany [PDF]
This paper presents estimates of the unification bonus for East Germans over the period 1991 to 1998. The unification bonus is defined as the discounted value of the difference between a person?s actual income and his or her counterfactual real income ...
Beblo, Miriam +2 more
core
Separating Moral Hazard from Adverse Selection and Learning in Automobile Insurance: Longitudinal Evidence from France [PDF]
The identification of information problems in different markets is a challenging issue in the economic literature. In this paper, we study the identification of moral hazard from adverse selection and learning within the context of a multi-period dynamic
Georges Dionne +2 more
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New financial order : recommendations by the Issing Committee ; preparing G-20 – Washington, November 15, 2008 [PDF]
, 2009 Content New Financial Architecture (Short Version) 1. Purpose of the paper – causes of the crisis 2. Recommendations 2.1. Incentives 2.2. Transparency 2.3. Regulation and Supervision 2.4. International Institutions 3.
Asmussen, Jörg +5 more
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How the Green Architecture of the 2023-2027 Common Agricultural Policy could have been greener. [PDF]
Ambio, 2023 Guyomard H +7 more
europepmc +1 more source
Contract design and insurance fraud: An experimental investigation [PDF]
This paper investigates the impact of insurance contract design on the behavior of filing fraudulent claims in an experimental setup. We test how fraud behavior varies for insurance contracts with full coverage, a straight deductible or variable premiums
Lammers, Frauke, Schiller, Jörg
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Optimal claim behaviour for vehicle damage insurances [PDF]
In this paper we analyse the optimal claim behaviour of a risk sensitive policy holder having a vehicle damage insurance. It is proved that the optimal decision is of the form: to claim for damages only if its amount exceeds a certain limit. Moreover, we
Dellaert, N.P. +2 more
core +1 more source
Acceptance of criteria for health and driver scoring in the general public in Germany. [PDF]
PLoS One, 2021 Rebitschek FG +5 more
europepmc +1 more source
Is the Market Classification of Risk Always Efficient? - Evidence from German Third Party Motor Insurance [PDF]
The efficiency of market-determined risk classification in automobile insurance is a lasting matter of controversy. It can be traced back to the 1950s (Muir, 1957) and received broad economic attention in the 1980s when spiralling car insurance premiums ...
Reimund Schwarze, Thomas Wein
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