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Die risikogerechte Prämie in der Kfz-Haftpflichtversicherung

Die risikogerechte Prämie in der Kfz-Haftpflichtversicherung

          
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About the Book

Studienarbeit aus dem Jahr 2008 im Fachbereich BWL - Bank, Börse, Versicherung, Note: 2,3, Fachhochschule für Wirtschaft Berlin (BWV Berlin), Veranstaltung: Studium der Versicherungsbetriebswirtschaftslehre, Sprache: Deutsch, Abstract: "Kfz-Versicherung ab 35 Cent am Tag z. B. für einen Audi A4 Avant." (Zürich Connect Deutschland) 35 Cent am Tag kostet das Versprechen eines Kraftfahrtversicherers in Deutschland, Schäden bis zu einer Summe von 100 Mio. Euro zu übernehmen. Fast scheint es, als würde das Risiko eines Schadens kaum oder gar nicht bestehen. Ein Blick in die Statistik zeigt jedoch, dass die Kfz-Versicherer in dem Jahr 2007 über 12 Milliarden Euro allein für die Kfz-Haftpflichtschäden leisten mussten. Welche Strategie verfolgen die Anbieter eines derartig risikoreichen Geschäftes? Ziel dieser Arbeit ist es, die Frage zu beantworten, unter welchen Voraussetzungen es für die Kraftfahrtversicherer möglich ist, eine marktgerechte Prämie zu kalkulieren. Bei dieser Untersuchung liegt das Hauptaugenmerk auf dem Problem der unterschiedlichen Informationsstände von Käufer und Verkäufer, den so genannten asymmetrischen Informationen. Im ersten Schritt wird die Marktpreisbildung auf vollkommenen Märkten betrachtet. Anhand des wirtschaftstheoretischen Modells von Angebot und Nachfrage werden die Grundlagen der Preisbildung dargestellt. Dabei werden die Gründe drohenden Marktversagens aufgezeigt. Anschließend werden die Wesensmerkmale des Versicherungsprodukts erläutert und mit relevanten Gründen eines drohenden Marktversagens zusammengeführt. Hierbei wird deutlich, welches Risiko an einem Markt mit Informationsdefiziten besteht und warum die Information den wichtigsten Produktionsfaktor für ein Versicherungsunternehmen darstellt. Darauf folgend erhält der Leser Einblick in die vielfältige Methodik der Kraftfahrtversicherer zur Informationsgewinnung. Anschließend wird der Betrug in der Kraftfahrtversicherung als kriminelle Konsequenz einer speziellen Form der Inf


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Product Details
  • ISBN-13: 9783640284887
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 3 mm
  • Width: 148 mm
  • ISBN-10: 3640284887
  • Publisher Date: 10 Mar 2009
  • Height: 210 mm
  • No of Pages: 54
  • Series Title: German
  • Weight: 82 gr


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