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Obligatorische Versicherung gegen Schäden infolge von Naturkatastrophen
[Compulsory Insurance Against Damage Caused by Natural Disasters]

Author

Listed:
  • Ann-Kristin Becker

    (Universität Köln)

  • Christoph Oslislo

    (Universität Köln)

Abstract

Zusammenfassung Wie schon die Hochwasserereignisse 2002 und 2013 haben auch die Folgen der Flutkatastrophe im Juli 2021 dramatisch die Notwendigkeit von gesellschaftlichen Klimaanpassungsstrategien in Deutschland aufgezeigt. Bund und Länder haben zum dritten Mal eine Arbeitsgruppe mit der verfassungsrechtlichen Prüfung einer Versicherungspflicht gegen Elementarschäden beauftragt. Während sich die grundsätzlichen Argumente in der Debatte um die Einführung wiederholen, lohnt sich ein Blick auf die zentralen Ausgestaltungsfragen einer potenziellen Versicherungspflicht. Die häufig vorgebrachten Kritikpunkte gegen eine Versicherungspflicht legen konkrete Ausgestaltungsannahmen zugrunde und sprechen daher nicht pauschal gegen das Instrument.

Suggested Citation

  • Ann-Kristin Becker & Christoph Oslislo, 2022. "Obligatorische Versicherung gegen Schäden infolge von Naturkatastrophen [Compulsory Insurance Against Damage Caused by Natural Disasters]," Wirtschaftsdienst, Springer;ZBW - Leibniz Information Centre for Economics, vol. 102(1), pages 45-51, January.
    • Handle: RePEc:spr:wirtsc:v:102:y:2022:i:1:d:10.1007_s10273-022-3093-8
    DOI: 10.1007/s10273-022-3093-8
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    References listed on IDEAS

    as
    1. Andor, Mark A. & Osberghaus, Daniel & Simora, Michael, 2020. "Natural Disasters and Governmental Aid: Is there a Charity Hazard?," Ecological Economics, Elsevier, vol. 169(C).
    2. Paul Raschky & Hannelore Weck-Hannemann, 2007. "Charity hazard - A real hazard to natural disaster insurance," Working Papers 2007-04, Faculty of Economics and Statistics, Universität Innsbruck.
    3. Botzen, W.J.W. & Aerts, J.C.J.H. & van den Bergh, J.C.J.M., 2009. "Willingness of homeowners to mitigate climate risk through insurance," Ecological Economics, Elsevier, vol. 68(8-9), pages 2265-2277, June.
    4. Browne, Mark J & Hoyt, Robert E, 2000. "The Demand for Flood Insurance: Empirical Evidence," Journal of Risk and Uncertainty, Springer, vol. 20(3), pages 291-306, May.
    5. Lewis, Tracy & Nickerson, David, 1989. "Self-insurance against natural disasters," Journal of Environmental Economics and Management, Elsevier, vol. 16(3), pages 209-223, May.
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    G52; H31; Q54;
    All these keywords.

    JEL classification:

    • G52 - Financial Economics - - Household Finance - - - Insurance
    • H31 - Public Economics - - Fiscal Policies and Behavior of Economic Agents - - - Household
    • Q54 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Climate; Natural Disasters and their Management; Global Warming

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