Dionne, Georges; Michaud, Pierre-Carl; Dahchour, Maki - Centre Interuniversitaire sur le Risque, les Politiques … - 2004
This paper uses longitudinal data to perform tests of asymmetric information in the French automobile insurance market for the 1995-1997 period. This market is characterized by the presence of a regulated experience-rating scheme (bonus-malus). We demonstrate that the result of the test depends...