Causes of Underinsurance against Natural Disasters
نویسنده
چکیده
Why do relatively few individuals voluntarily purchase coverage against natural disasters? This question has important implications for public policy for two principal reasons: Uninsured victims of natural disasters may incur severe financial losses which will affect their future well-being. After a disaster the common lament is, "I wish that I had purchased insurance." General taxpayers may be forced to help share the costs of recovery in the form of government grants and low-interest loans to uninsured disaster victims. This raises the question as to whether disasters are primarily a public or private responsibility.
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