This Article Investigates the Practice of Experience Rating by Insurance Companies in the Presence of Symmetric Information Between the Insured and the Insurer. Experience Rating Is Treated As the Acquisition of Information by Both Parties to the Insurance Contract. When the Insured Buys...

In This Paper, We Present a Critical Review of the Main Characteristics of the Automobile Insurance Regime in Quebec, Emphasizing Both the Compensation and the Pricing of Insurance. Moreover, We Present a Recommendation in Order to Improve the Classification of Risks and to Increase Incentives...

For Many Years, Economists and Actuaries Have Studied Multiperiod Insurance Contracts Independently and Differently. This Paper Presents a First Empirical Economic Study on Moral Hazard and Experience Rating While Making Reference to Previous Empirical Actuarial Studies. the First Objective Is...

In This Paper We Present a Theoretical Framework for the Analysis of Road Safety in Different Contexts Characterized by the Following Factors: the Presence Or the Absence of Externalities, Moral Hazard, Taxes (Subsidies), Government Regulation, Liability Rules, Liability Insurance and...

Nous Presentons Dans Cet Article une Analyse de la Securite Routiere Comme Bien Economique En Incorporant les Phenomenes D'externalites et de Risque Moral Qui Y Sont Rattaches. Nous Montrons Comment des Contrats Pareto-Superieurs D'assurance a Plusieurs Periodes Peuvent Etre Definis et Utilises...