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Regulation and Quality Competition in the US Insurance Industry

In: The Economics of Insurance Regulation

Author

Listed:
  • Mark Pauly
  • Howard Kunreuther
  • Paul Kleindorfer

Abstract

Insurance in the United States is regulated by each of the fifty states. Variation in this regulation across states permits a natural experiment for investigation of regulatory effects. There is also considerable variation in regulation across lines of insurance: automobile and other property/casualty insurance premiums are directly regulated in more than half of the states; in contrast, life insurance premiums are only (weakly) regulated in two states. Life insurance regulation is primarily limited to loss reserves.

Suggested Citation

  • Mark Pauly & Howard Kunreuther & Paul Kleindorfer, 1986. "Regulation and Quality Competition in the US Insurance Industry," Palgrave Macmillan Books, in: Jörg Finsinger & Mark V. Pauly (ed.), The Economics of Insurance Regulation, chapter 3, pages 65-107, Palgrave Macmillan.
    • Handle: RePEc:pal:palchp:978-1-349-18397-5_3
    DOI: 10.1007/978-1-349-18397-5_3
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    Cited by:

    1. Henri Loubergé, 1998. "Risk and Insurance Economics 25 Years After," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 23(4), pages 540-567, October.
    2. Andersson, Fredrik & Skogh, Goran, 2003. "Quality, self-regulation, and competition: the case of insurance," Insurance: Mathematics and Economics, Elsevier, vol. 32(2), pages 267-280, April.

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