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Claims and deductibles for homeowner...

Braun, Michael.

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Claims and deductibles for homeowner's insurance.

紀錄類型:	書目-語言資料,印刷品 : Monograph/item
正題名/作者:	Claims and deductibles for homeowner's insurance./
作者:	Braun, Michael.
面頁冊數:	100 p.
附註:	Advisers: Peter S. Fader; Howard Kunreuther.
Contained By:	Dissertation Abstracts International67-07A.
標題:	Business Administration, Marketing. -
電子資源:	http://pqdd.sinica.edu.tw/twdaoapp/servlet/advanced?query=3225432
ISBN:	9780542797248

Claims and deductibles for homeowner's insurance.
Braun, Michael.

Claims and deductibles for homeowner's insurance. - 100 p.

Advisers: Peter S. Fader; Howard Kunreuther.

Thesis (Ph.D.)--University of Pennsylvania, 2006.

This dissertation examines the interplay between claims and deductibles in homeowner's insurance. In the first essay, I examine the effect of marketing cues on asymmetric information. Economic theories of asymmetric information predict that customers who are more likely to file claims during the coverage period will choose lower deductibles on their policies. One of the challenges in testing this theory is that customers may exhibit inertia and not consider their insurance options for an extended period of time. Furthermore, the ultimate "trigger" for a deductible change could be a factor unrelated to that customer's expected claim propensity, such as a pricing change or marketing activity. Hence, the rate at which a customer files a claim after a deductible change may be related to why the deductible change was made at all.

ISBN: 9780542797248Subjects--Topical Terms:

1017573
Business Administration, Marketing.

Claims and deductibles for homeowner's insurance.
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100 1 $a Braun, Michael. $3 1297761
245 1 0 $a Claims and deductibles for homeowner's insurance.
300 $a 100 p.
500 $a Advisers: Peter S. Fader; Howard Kunreuther.
500 $a Source: Dissertation Abstracts International, Volume: 67-07, Section: A, page: 2658.
502 $a Thesis (Ph.D.)--University of Pennsylvania, 2006.
520 $a This dissertation examines the interplay between claims and deductibles in homeowner's insurance. In the first essay, I examine the effect of marketing cues on asymmetric information. Economic theories of asymmetric information predict that customers who are more likely to file claims during the coverage period will choose lower deductibles on their policies. One of the challenges in testing this theory is that customers may exhibit inertia and not consider their insurance options for an extended period of time. Furthermore, the ultimate "trigger" for a deductible change could be a factor unrelated to that customer's expected claim propensity, such as a pricing change or marketing activity. Hence, the rate at which a customer files a claim after a deductible change may be related to why the deductible change was made at all.
520 $a In the second essay, I introduce the concept of the "pseudodeductible," a latent threshold above the policy deductible that governs the propensity (or reluctance) of a homeowner to file a claim when the underlying loss is covered by insurance. I show how the observed number of claims can be modeled as the output of three stochastic processes: the rate at which losses occur, the size of each loss, and the choice of the individual to file or not file a claim. Using mixtures of Dirichlet processes to capture heterogeneity, I uncover several relevant "stories" that underlie the frequency and severity of claims. For instance, some customers have few losses, but all are filed as claims, while others may experience many more losses, but are more selective about which claims they file. These stories explain several observed phenomena regarding the claims decisions that insurance customers make, and have broad implications for customer lifetime value and market segmentation.
590 $a School code: 0175.
650 4 $a Business Administration, Marketing. $3 1017573
650 4 $a Economics, General. $3 1017424
650 4 $a Statistics. $3 517247
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690 $a 0501
710 2 0 $a University of Pennsylvania. $3 1017401
773 0 $t Dissertation Abstracts International $g 67-07A.
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790 1 0 $a Kunreuther, Howard, $e advisor
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