religious organization are able to insure their consumption stream against income shocks and find strong insurance effects for … services are able to insure their stream of happiness against income shocks and find strong happiness insurance effects for … alternative form of insurance for both whites and blacks though the mechanism by which religious organizations provide insurance …

religious organization are able to insure their consumption stream against income shocks and find strong insurance effects for … services are able to insure their stream of happiness against income shocks and find strong happiness insurance effects for … alternative form of insurance for both whites and blacks though the mechanism by which religious organizations provide insurance …

This paper investigates the incentive effects of automobile insurance, compulsory insurance laws, and no … 1970-1998, a period in which many states adopted compulsory insurance regulations and/or no-fault laws. Using an … instrumental variables approach, we find evidence that automobile insurance has moral hazard costs, leading to an increase in …

This paper investigates the incentive effects of automobile insurance, compulsory insurance laws, and no … 1970-1998, a period in which many states adopted compulsory insurance regulations and/or no-fault laws. Using an … instrumental variables approach, we find evidence that automobile insurance has moral hazard costs, leading to an increase in …