Adverse Selection in Insurance Markets

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Testing for Evidence of Adverse Selection in the Automobile Insurance Market: A Comment (2001, background): “At equilibrium, higher-risk individuals will choose the smaller deductible and will be charged the higher price per unit of insurance (Dionne, Doherty, and Fombaron 2000).”
Asymmetric Information and Learning: Evidence from the Automobile Insurance Market (2005, unknown): “3 For excellent recent surveys of adverse selection models, see Riley (2001), who surveys such models in general, and Dionne, Doherty, and Fombaron (2000), who focus on adverse selection models of insurance markets.”