This study examines the effects of cream skimming using telematics devices on the automobile insurance market. Insurers …) automobile insurance causes adverse selection and market failure without any regulations …

Purpose - The insurance industry has not been able to effectively retain its customers and struggles to establish and … cancellation of motor insurance policies by individual customers, considering the influence of intermediaries on their decisions …. Design/methodology/approach - The data used in this research is based on a sample of 3,500 insurance policies that lapsed …

Insurance is based on specific assumptions, including a "perfect performance" model. The principle of indemnification …, mentioned in almost all insurance textbooks for non-life insurance, is nevertheless far more complicated than economists … consumer's perspective, the outlook of insurance performance becomes interesting. The paper examines assumptions related to the …