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Versicherungspflicht für Elementarschäden?

Author

Listed:
  • Ragnitz Joachim

    (Niederlassung Dresden des ifo Instituts – Leibniz-Institut für Wirtschaftsforschung an der Universität München e. V. & TU Dresden Dresden Germany)

  • Thum Marcel

    (Niederlassung Dresden des ifo Instituts – Leibniz-Institut für Wirtschaftsforschung an der Universität München e. V. & TU Dresden Dresden Germany)

Abstract

Nach dem Elbehochwasser des Jahres 2002 wurde schon einmal eine Versicherungspflicht diskutiert. Zur Einführung einer Pflichtversicherung kam es damals nicht. Eine Versicherungspflicht kann ökonomisch sinnvoll sein, um den Staat aus dem Samariterdilemma zu befreien und die Resilienz gegenüber Naturkatastrophen zu erhöhen. Sie kann aber zum ökonomischen Bumerang werden, wenn essenzielle Bestandteile einer solchen Versicherungslösung im politischen Prozess verwässert werden. Eine richtig gestaltete Pflichtversicherung kann also helfen, eine falsch gestaltete kann schlechter sein als gar keine.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Ragnitz Joachim & Thum Marcel, 2021. "Versicherungspflicht für Elementarschäden?," Zeitschrift für Wirtschaftspolitik, De Gruyter, vol. 70(3), pages 257-263, December.
    • Handle: RePEc:lus:zwipol:v:70:y:2021:i:3:p:257-263:n:4
    DOI: 10.1515/zfwp-2021-2062
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