Household Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market

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dc.contributor.authorClaramunt Bielsa, M. Mercè
dc.contributor.authorCosta, M. Teresa (Maria Teresa), 1951-
dc.contributor.authorMármol, Maite
dc.contributor.authorVarea, Javier
dc.date.accessioned2025-01-29T10:01:24Z
dc.date.available2025-01-29T10:01:24Z
dc.date.issued2024-08-01
dc.date.updated2025-01-29T10:01:24Z
dc.description.abstractThis study investigates the expected benefits for Spanish households if they choose to purchase a refundable insurance policy that covers the deductible in the event of vehicle accidents. Using data obtained from the Spanish Survey of Household Finances alongside market data, this paper provides valuable empirical insights concerning the impact of refundable insurance policies on the overall expected utility of households (referred to as Household Refundable Utility) both from a technical-actuarial and a microeconomic point of view.
dc.format.extent4 p.
dc.format.mimetypeapplication/pdf
dc.identifier.idgrec749164
dc.identifier.issn0165-1765
dc.identifier.urihttps://hdl.handle.net/2445/218120
dc.language.isoeng
dc.publisherElsevier B.V.
dc.relation.isformatofReproducció del document publicat a: https://doi.org/https://doi.org/10.1016/j.econlet.2024.111819
dc.relation.ispartofEconomics Letters, 2024, vol. 241, núm. 111819, p. 1-4
dc.relation.urihttps://doi.org/https://doi.org/10.1016/j.econlet.2024.111819
dc.rightscc-by-nc-nd (c) Elsevier B.V., 2024
dc.rights.accessRightsinfo:eu-repo/semantics/openAccess
dc.rights.urihttp://creativecommons.org/licenses/by/3.0/es/*
dc.sourceArticles publicats en revistes (Matemàtica Econòmica, Financera i Actuarial)
dc.subject.classificationRisc (Assegurances)
dc.subject.classificationAssegurances d'automòbils
dc.subject.otherRisk (Insurance)
dc.subject.otherAutomobile insurance
dc.titleHousehold Refundable Utility by taking out refundable insurance: Empirical study in the Spanish auto insurance market
dc.typeinfo:eu-repo/semantics/article
dc.typeinfo:eu-repo/semantics/acceptedVersion

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