This paper empirically analyzes moral hazard in car insurance using a dynamic theory of an insuree's dynamic risk (ex …

contracts to crowd out implicit insurance, even though the latter yields higher welfare.Integrating the principal-agent and …

We exploit an age discontinuity in a Dutch disability insurance (DI) reform to identify the health impact of stricter … negative health effect on females is restricted to women with low pre-disability earnings. We hypothesize that the gender … difference in the effect is due to the reform tightening eligibility particularly with respect to mental health conditions, which …