Le but de cette recherche etait d'evaluer l'effet de changement de tarification de 1992 sur la securite routiere au Quebec. Nos resultats indiquent que le changement de tarification a reduit les nombres d'infractions et les nombres d'accidents, deux variables qui mesurent directement la non...

In this paper, we propose an empirical analysis of the presence of adverse selection in an insurance market. We first present a theoratical model of a market with adverse selection and we introduce different issues related to transaction costs, accident costs, risk aversion and moral hazard. We...

We discuss how to detect the informational content of household decisions among the explanatory variables of econometric models. Two applications to the choice of automobile insurance contracts and the demand for life insurance are provided. We show that the information provided by additional...

In this paper, we propose an empirical analysis of the presence of adverse selection in an insurance market. We first present a theroetical model of a market with adverse selection and we introduce different issues related to transaction costs, accident costs, risk aversion and moral hazard. We...

We discuss how to detect the informational content of household decisions among the explanatory variables of econometric models. Some applications to the choice of automobile insurance contracts and to the demand for life insurance are provided. We show that the information provided by...

In this paper, we propose an empirical analysis of the presence of adverse selection in an insurance market. We first present a theoretical model of a market with adverse selection and we introduce different issues related to transaction costs, accident costs, risk aversion and moral hazard. We...

This paper tests the efficiency associated with the role of memory in long-term contracting. Bonus-malus schemes in automobile insurance are examples of contracts that use memory. During the eighties different contributors (Lambert, 1983, Rogerson, 1985, Boyer, and Dionne, 1989) showed how...