Mother Nature, Uncle Sam, and the insurance industry: analyzing the impact of shocks on property casualty insurance markets
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| Main Author: | |
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| Format: | Thesis Book |
| Language: | English |
| Published: |
2015
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| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | VIII, 132 S. graph. Darst. |
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Record in the Search Index
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| adam_text | Titel: Mother nature, uncle Sam, and the insurance industry
Autor: Aseervatham, Vijay
Jahr: 2015
Contents
I .1st of Abbreviations....................................................................................................iii
List of Figures................................................................................................................iv
List of Tables...................................................................................................................v
List of Variables..........................................................................................................vii
1 Introduction............................................................................................................1
2 Demand Reactions in the Aftermath of Catastrophes and the Need for
Behavioral Approaches................................................................................................5
2.1 Introduction....................................................................................................................6
2.2 Literature Review...........................................................................................................8
2.3 Hypothesis....................................................................................................................11
2.4 Data and Empirical Model...........................................................................................13
2.4.1 Data.......................................................................................................................13
2.4.2 Empirical Model...................................................................................................15
2.5 Results..........................................................................................................................21
2.6 Discussion....................................................................................................................26
2.7 Appendix......................................................................................................................30
3 The Impact of Uncovered Flood Events on the Demand for Homeowners
Insurance........................................................................................................................34
3.1 Introduction..................................................................................................................35
3.2 Model...........................................................................................................................36
3.3 Data and Empirical Model...........................................................................................59
3.3.1 Data.......................................................................................................................39
3.3.2 Empirical Model...................................................................................................40
3.4 Results..........................................................................................................................41
3.5 Discussion and Policy Implications.............................................................................46
3.6 Appendix......................................................................................................................48
4 How Do Unisex Rating Regulations Affect Gender Differences in
Insurance Premiums?....................................................................................................51
4.1 Introduction..................................................................................................................52
4.2 Literature Review.........................................................................................................53
4.3 Implementing Non-Discriminatory Policies.................................................................56
4.4 The Data Set.................................................................................................................57
4.5 Empirical Model and Results.......................................................................................62
4.5.1 Claim Analysis and Motivation of Pricing Approach...........................................62
4.5.2 Pricing in the Automobile Insurance Industry.......................................................63
4.5.3 Unisex Tariffs........................................................................................................69
4.6 Discussion and Policy Implications.............................................................................71
4.7 Conclusion....................................................................................................................73
4.8 Appendix......................................................................................................................75
5 Negligence Rules in Insurance Markets - The Incentive Effects of
Relaxing the Reasonable Precaution Clause........................................................80
5.1 Introduction..................................................................................................................81
5.2 Background and Literature Review..............................................................................83
5.3 Model...........................................................................................................................86
5.4 Data and Empirical Model...........................................................................................97
5.4.1 Data.......................................................................................................................97
5.4.2 Empirical Model..................................................................................................101
5.5 Results........................................................................................................................106
5.5.1 Univariate Analysis................................................................................................................................................................106
5.5.2 Multivariate Analysis..................................................................................................................107
5.6 Discussion and Policy Implications......................................................................................113
5.7 Appendix.................................................116
References.................................123
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| author | Aseervatham, Vijay |
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| dewey-full | 368.01 330.019 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 368 - Insurance 330 - Economics |
| dewey-raw | 368.01 330.019 |
| dewey-search | 368.01 330.019 |
| dewey-sort | 3368.01 |
| dewey-tens | 360 - Social problems and services; associations 330 - Economics |
| discipline | Wirtschaftswissenschaften |
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| spelling | Aseervatham, Vijay Verfasser aut Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets vorgelegt von Vijay Aseervatham 2015 VIII, 132 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier München, Univ., Diss., 2015 Naturkatastrophe (DE-588)4041387-1 gnd rswk-swf Risikomanagement (DE-588)4121590-4 gnd rswk-swf Versicherungswirtschaft (DE-588)4063206-4 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Versicherungswirtschaft (DE-588)4063206-4 s Risikomanagement (DE-588)4121590-4 s Naturkatastrophe (DE-588)4041387-1 s DE-604 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=028247229&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Aseervatham, Vijay Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets Naturkatastrophe (DE-588)4041387-1 gnd Risikomanagement (DE-588)4121590-4 gnd Versicherungswirtschaft (DE-588)4063206-4 gnd |
| subject_GND | (DE-588)4041387-1 (DE-588)4121590-4 (DE-588)4063206-4 (DE-588)4113937-9 |
| title | Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets |
| title_auth | Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets |
| title_exact_search | Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets |
| title_full | Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets vorgelegt von Vijay Aseervatham |
| title_fullStr | Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets vorgelegt von Vijay Aseervatham |
| title_full_unstemmed | Mother Nature, Uncle Sam, and the insurance industry analyzing the impact of shocks on property casualty insurance markets vorgelegt von Vijay Aseervatham |
| title_short | Mother Nature, Uncle Sam, and the insurance industry |
| title_sort | mother nature uncle sam and the insurance industry analyzing the impact of shocks on property casualty insurance markets |
| title_sub | analyzing the impact of shocks on property casualty insurance markets |
| topic | Naturkatastrophe (DE-588)4041387-1 gnd Risikomanagement (DE-588)4121590-4 gnd Versicherungswirtschaft (DE-588)4063206-4 gnd |
| topic_facet | Naturkatastrophe Risikomanagement Versicherungswirtschaft Hochschulschrift |
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