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Frodi nell'assicurazione RC Auto: analisi economica e possibili rimedi

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  • Donatella Porrini

    (Università degli Studi di Milano)

Abstract

The article investigates the problem of the presence of fraudulent behaviors in the Italian automobile insurance market. First of all the phenomenon is described by statistical data about the Italian insurance market. Secondly, the insurance fraud problem is analyzed considering the asymmetric information theory, and adverse selection and moral hazard categories; the traditional remedies in the economic theory are then considered in the particular case of insurance fraud. Particularly as remedy, monitoring procedure by the insurance companies and institutional policy instruments are examined. Finally, taking into account the US experience, some conclusions are drawn specifically for the Italian case.

Suggested Citation

  • Donatella Porrini, 2002. "Frodi nell'assicurazione RC Auto: analisi economica e possibili rimedi," Rivista di Politica Economica, SIPI Spa, vol. 92(2), pages 109-138, March-Apr.
    • Handle: RePEc:rpo:ripoec:v:92:y:2002:i:2:p:109-138
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    References listed on IDEAS

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    1. G. Dionne & R. Gagné, 1997. "The non-optimality of deductible contracts against fraudulent claims : an empirical evidence in automobile insurance," THEMA Working Papers 97-23, THEMA (THéorie Economique, Modélisation et Applications), Université de Cergy-Pontoise.
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    6. Caron, L. & Dionne, G., 1996. "Insurance Fraud Estimation: More Evidence from the Quebec Automobile Insurance Industry," Ecole des Hautes Etudes Commerciales de Montreal- 96-02, Ecole des Hautes Etudes Commerciales de Montreal-Chaire de gestion des risques..
    7. Keith J. Crocker & John Morgan, 1998. "Is Honesty the Best Policy? Curtailing Insurance Fraud through Optimal Incentive Contracts," Journal of Political Economy, University of Chicago Press, vol. 106(2), pages 355-375, April.
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    10. Louis Kaplow, 1994. "Optimal Insurance Contracts When Establishing the Amount of Losses Is Costly," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 19(2), pages 139-152, December.
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    Cited by:

    1. Scalera Domenico & Zazzaro Alberto, 2007. "The Unpleasant Effects of Price Deregulation in the European Third-Party Motor Insurance Market: A Theoretical Framework," The B.E. Journal of Economic Analysis & Policy, De Gruyter, vol. 7(1), pages 1-30, October.
    2. Domenico SCALERA & Alberto ZAZZARO, 2004. "From regulation to free market: the experience of the European motor insurance market," Working Papers 205, Universita' Politecnica delle Marche (I), Dipartimento di Scienze Economiche e Sociali.

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