Effects of Insurance Incentives on Road Safety: Evidence from a Natural Experiment in China

March 15, 2017

by Georges Dionne (corresponding author) and Ying Liu



▪ We study the effects of insurance incentives on road safety in China

▪ We use the differences-in-differences methodology

▪ We provide evidence of a causal effect of moral hazard on accident frequency

▪ The main effect is obtained from the insurance pricing based on traffic violation

▪ The effects of basing pricing on past claims are not significant.

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