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paper performs tests of residual asymmetric information in the French automobile insurance market for the 1995-1997 period …
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derive testable empirical implications for panel data. We then perform tests using longitudinal data from France during the … period 1995 -1997. We find evidence of moral hazard among a sub-group of policyholders with less driving experience (less …
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This paper empirically analyzes moral hazard in car insurance using a dynamic theory of an insuree's dynamic risk (ex ante moral hazard) and claim (ex post moral hazard) choices and Dutch longitudinal micro data. We use the theory to characterize the heterogeneous dynamic changes in incentives...
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