Effiziente Risikosteuerung durch die Kfz-Versicherung – Eine verhaltensökonomische Untersuchung

详细信息    查看全文

• 作者：Stefan Korch
• 刊名：Zeitschrift f¨¹r die gesamte Versicherungswissenschaft
• 出版年：2016
• 出版时间：May 2016
• 年：2016
• 卷：105
• 期：2
• 页码：121-129
• 全文大小：157 KB
• 刊物主题：Finance/Investment/Banking; Financial Economics; Commercial Law; Public Health;
• 出版者：Springer Berlin Heidelberg
• ISSN：1865-9748
• 卷排序：105

文摘

From an economic perspective, the automobile insurance plays an important role in regulating the activity level of driving by closing a prevention gap of the strict liability for automobile accidents. The gap is caused by bounded rationality of car owners and drivers. Unrealistic optimism and self-serving bias lead to an underestimation of expected damages. As a result, the activity level of driving would rise above the optimum, social costs would exceed the utility from driving and too many accidents would occur. The article illustrates how the automobile insurance counteracts these inefficiencies and thereby leads to a more efficient activity level.