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首页> 外文期刊>International review of law and economics >The dynamics of one-sided incomplete information in motor disputes
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The dynamics of one-sided incomplete information in motor disputes

机译：机动车纠纷中单方面不完整信息的动态

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摘要

The paper examines the distribution function of settlements over time in an attempt to explain the time it takes to negotiate the claim compensation in the context of motor disputes. Competing risk models are applied to a Spanish motor insurance database. The empirical analysis yielded two main findings. First, in some cases the severity of temporary injuries was found to be negatively associated with the time to settlement of the claim, suggesting that more severe cases do not always take longer to settle; this supports the assumption that the time to settlement depends primarily on the degree of informational asymmetry among litigants regarding the magnitude of damages. Second, time-varying effects were observed for the explanatory factors related to the victim's age and the seriousness of injuries. The effect of these factors on the time to settlement of the claim is attenuated overtime, suggesting that the asymmetries in information present a dynamic pattern during the negotiation process, since the insurer's incomplete information is enriched during the course of negotiations. (C) 2014 Elsevier Inc. All rights reserved.
机译：本文研究了定居点随时间的分配函数，以解释在发生汽车纠纷的情况下协商索赔赔偿所花费的时间。竞争风险模型被应用于西班牙的汽车保险数据库。实证分析得出两个主要发现。首先，在某些情况下，发现临时伤害的严重程度与解决索赔的时间负相关，这表明更严重的案件并不一定总是需要更长的时间才能解决。这支持了以下假设：和解时间主要取决于当事人之间关于损害程度的信息不对称程度。其次，观察到了与受害人的年龄和受伤严重程度有关的解释性因素的时变效应。这些因素对索赔解决时间的影响随着时间的推移而减弱，这表明信息的不对称性在谈判过程中呈现出动态模式，因为保险人的不完全信息在谈判过程中得到了丰富。 （C）2014 Elsevier Inc.保留所有权利。

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