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Pflichtversicherung gegen Flutschäden?

Author

Listed:
  • Joachim Ragnitz
  • Marcel Thum

Abstract

Angesichts sich wiederholender Hochwasserereignisse in Deutschland wird immer wieder die Einführung einer Pflichtversicherung gegen Elementarschäden gefordert. Der Beitrag untersucht gängige Argumente für die Einführung einer solchen Versicherung. Im Ergebnis plädieren die Autoren für eine Pflichtversicherung, die jedoch zwingend mit risikodifferenzierten Tarifen ausgestattet sein muss. Nur wenn höhere Risiken, wie sie zum Beispiel in hochwassergefährdeten Gebieten auftreten, auch zu höheren Versicherungsprämien führen, wird ein erwünschter Lenkungseffekt erreicht, der den Staat vor kaum abweisbaren Hilfsforderungen schützt und das Bauen in Risikogebieten unattraktiv macht. Einheitstarife würden hin - gegen gerade das Gegenteil bewirken und sind damit abzulehnen.

Suggested Citation

  • Joachim Ragnitz & Marcel Thum, 2013. "Pflichtversicherung gegen Flutschäden?," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 20(05), pages 33-35, October.
    • Handle: RePEc:ces:ifodre:v:20:y:2013:i:05:p:33-35
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    References listed on IDEAS

    as
    1. Alma Cohen & Peter Siegelman, 2010. "Testing for Adverse Selection in Insurance Markets," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 77(1), pages 39-84, March.
    2. Schwarze, Reimund & Wagner, Gert G., 2005. "Versicherungspflicht gegen Elementarschäden: Ein Lehrstück für Probleme der volkswirtschaftlichen Politikberatung," Discussion Papers 2005/4, Technische Universität Berlin, School of Economics and Management.
    3. Sinn, Hans-Werner, 1982. "Kinked utility and the demand for human wealth and liability insurance," European Economic Review, Elsevier, vol. 17(2), pages 149-162.
    4. Michael Rothschild & Joseph Stiglitz, 1976. "Equilibrium in Competitive Insurance Markets: An Essay on the Economics of Imperfect Information," The Quarterly Journal of Economics, President and Fellows of Harvard College, vol. 90(4), pages 629-649.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Pflichtversicherung; Elementarschadenversicherung; Adverse Selektion; Kreditgeschäft; Naturkatastrophe;
    All these keywords.

    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • Q54 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Climate; Natural Disasters and their Management; Global Warming

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