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. Final taking into account the US experience, some conclusions are drawn specifically for the Italian case.
Frodi nell'assicurazione RC Auto: Analisi economica e possibili rimedi
PORRINI, Donatella
2002-01-01
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. Final taking into account the US experience, some conclusions are drawn specifically for the Italian case.I documenti in IRIS sono protetti da copyright e tutti i diritti sono riservati, salvo diversa indicazione.
