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Natural disaster insurance and the equity-efficiency trade-off

  • Pierre Picard

    (CECO - Laboratoire d'econometrie de l'école polytechnique - CNRS : UMR7657 - Polytechnique - X)

Cet article analyse le rôle de l'assurance privée dans la prévention et la réduction des dommages des catastrophes naturelles. Nous caractérisons le dilemme équité-efficacité auquel sont confrontés les décideurs politiques dans un contexte d'information imparfaite sur les coûts individuels de prévention. Il est montré qu'un marché concurrentiel d'assurance avec une tarification actuarielle, associé à des transferts sous forme de taxe ou de subvention, domine vraisemblablement les règles de tarification uniforme de l'assurance ou les schémas d'indemnisation financée par l'Etat. Le modèle montre comment des taxes différentiées sur les contrats d'assurance peuvent accroître les incitations à la prévention, tout en faisant bénéficier d'un transfert compensateur les individus dont les coûts de prévention sont élevés. L'article met aussi l'accent sur la complémentarité entre les incitations individuelles par la fiscalité et les incitations collectives par l'attribution de subventions aux collectivités locales qui mettent en place des politiques de prévention des risques de catastrophes naturelle

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Paper provided by HAL in its series Working Papers with number hal-00243028.

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Date of creation: 2005
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Handle: RePEc:hal:wpaper:hal-00243028
Note: View the original document on HAL open archive server: http://hal.archives-ouvertes.fr/hal-00243028/en/
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  1. Lewis, Tracy & Nickerson, David, 1989. "Self-insurance against natural disasters," Journal of Environmental Economics and Management, Elsevier, vol. 16(3), pages 209-223, May.
  2. Laure LATRUFFE & Pierre PICARD, 2005. "Assurance des catastrophes naturelles : faut-il choisir entre prévention et solidarité ?," Annales d'Economie et de Statistique, ENSAE, issue 78, pages 33-56.
  3. Kunreuther, Howard, 1996. "Mitigating Disaster Losses through Insurance," Journal of Risk and Uncertainty, Springer, vol. 12(2-3), pages 171-87, May.
  4. Browne, Mark J & Hoyt, Robert E, 2000. " The Demand for Flood Insurance: Empirical Evidence," Journal of Risk and Uncertainty, Springer, vol. 20(3), pages 291-306, May.
  5. Coate, Stephen, 1995. "Altruism, the Samaritan's Dilemma, and Government Transfer Policy," American Economic Review, American Economic Association, vol. 85(1), pages 46-57, March.
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