Yannelis, Constantine; Sun, Stephen Teng - Volkswirtschaftliche Fakultät, … - 2013
In some insurance markets, the uninsured can generate a negative externality on the insured, leading insurance … the rate of uninsured drivers at the county level in California, we quantitatively investigate the effect of uninsured … motorists on automobile insurance premia. Consistent with predictions of theory, we find uninsured drivers lead to higher …