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الرئيسية > Auto Insurance Costs Soar Acro...>الوصف

Auto Insurance Costs Soar Across the World: Subject Review

المصدر: مجلة كلية المأمون
الناشر: كلية المأمون الجامعة
المؤلف الرئيسي: Abbas, Maryam Muzahem (Author)
المجلد/العدد: ع41
محكمة: نعم
الدولة: العراق
التاريخ الميلادي: 2024
الصفحات: 163 - 174
DOI: 10.36458/1253-000-041-011
ISSN: 1992-4453
رقم MD: 1497324
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EcoLink, IslamicInfo, HumanIndex
مواضيع:
التأمين الإلزامي | تأمين السيارات | التكاليف التأمينية
كلمات المؤلف المفتاحية:
Insurance | Auto Insurance | Cost Insurance | Public Insurance | Over-Insurance
رابط المحتوى:

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المستخلص: Over-insurance and public insurance provision are covered in this chapter. When imperfect information is present, the competitive outcome in insurance markets may not only be suboptimal relative to the impossible optimum that would have occurred if information were perfect, but also suboptimal compared to achievable optimum. In theory, the government could provide the best insurance or at the very least outperform the imperfectly informed market if it had or could receive perfect information about the world's situation at the time of purchase. The chapter describes a situation in which the insurance buyer has power over present-day decisions that will influence a future state of nature, but the insurer is unable to actively monitor the insured's behavior. The goal of insurance is to shield those who are afraid of taking risks from having to deal with all of the negative effects of nature's acts. In various environments, people may pay varying costs and have varying earnings. When money is spent, perfect insurance maintains marginal cost pricing by transferring revenue across natural states. Transfers of income are based more on what is observed than on the state of nature when the states of nature are imperfectly measured. As an alternative, rates might be changed to include insurance.
ISSN: 1992-4453

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