Arbeitspapier
Uncertainty of Governmental Relief and the Crowding out of Insurance
This paper discusses the problem of crowding out of insurance by co-existing governmental relief programs - so-called 'charity hazard' - in a context of different institutional schemes of governmental relief in Austria and Germany. We test empirically whether an assured partial relief scheme (as in Austria) drives a stronger crowding out of private insurance than a scheme promising full relief which is subject to ad hoc political decision making (as in Germany). Our general finding is that the institutional design of governmental relief programs significantly affects the demand for private natural hazard insurance.
- Sprache
-
Englisch
- Erschienen in
-
Series: Working Papers in Economics and Statistics ; No. 2010-03
- Klassifikation
-
Wirtschaft
Positive Analysis of Policy Formulation and Implementation
Criteria for Decision-Making under Risk and Uncertainty
Insurance; Insurance Companies; Actuarial Studies
Climate; Natural Disasters and Their Management; Global Warming
- Thema
-
Insurance demand
governmental relief
natural hazards
Naturkatastrophe
Katastrophenhilfe
Elementarschadenversicherung
Nachfrage
Deutschland
Österreich
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Raschky, Paul A.
Schwarze, Reimund
Schwindt, Manijeh
Zahn, Ferdinand
- Ereignis
-
Veröffentlichung
- (wer)
-
University of Innsbruck, Department of Public Finance
- (wo)
-
Innsbruck
- (wann)
-
2010
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:41 MEZ
Datenpartner
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Objekttyp
- Arbeitspapier
Beteiligte
- Raschky, Paul A.
- Schwarze, Reimund
- Schwindt, Manijeh
- Zahn, Ferdinand
- University of Innsbruck, Department of Public Finance
Entstanden
- 2010
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