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Insurance to value
George L. Head
- 01 Jan 1971
5
About: The article was published on 01 Jan 1971. and is currently open access. The article focuses on the topics: Casualty insurance & General insurance.
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Citations
The Probability Distribution of Fire Loss Amount
TL;DR: Shpilberg et al. as mentioned in this paper presented a sumary review of work in the area of modeling the probability distribution of fire loss amount, and tried to illustrate how probabilistic arguments relating to the physical nature of the fire growth process can aid analysts in their choice of an appropriate model for the probability distributions of fire losses amount.
31
Measuring and Managing Catastrophe Risk
Ronald T. Kozlowski,Stuart B. Mathewson +1 more
- 01 Jan 1995
TL;DR: In this paper, the authors give a basic introduction to the standard framework behind catastrophe modeling and explore the output of catastrophe modeling via modernized "pin maps" and loss likelihood curves.
Is Coinsurance Becoming Obsolete
TL;DR: In this article, the authors examined alternatives to the traditional insurance-to-value requirement in personal lines insurance in the light of their effectiveness as loss sharing devices and their effect on costs and incentives, and concluded that the traditional requirement may not fully remove the incentive to underinsure which is present in nearly all property insurance contracts.
4
A Reexamination of Coinsurance Clauses
TL;DR: In this article, the potential interaction between coinsurance and deductible clauses makes the selection problem more complicated than commonly assumed, and pricing anomalies may cause some insureds to fail to meet coinsurance requirements.
2
On the Economic Advantages of the Coinsurance Clause
TL;DR: In this article, it is shown that all risk averse insureds will prefer an insurance contract with a coinsurance clause over a contract without a coinage clause of the same actuarial value.