The contribution of the New Institutional Economics for the analysis of strategies and its theoretical and practical implications for the motor insurance in Germany in the light of socio-demographic and technical changes by the example of carsharing.
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Author/sSaeger, Hendrik Ulrich Willi
Discipline/sAdministración y Dirección de Empresas
Subject/sComputación en Estadística
Análisis de datos
This work examines the impact of the selected theories of the New Institutional Economics in the form of the principal agent, transaction cost and property rights theories onto the current pressing question for motor insurers of how to align themselves strategically in a rapidly changing more and more digital market, with values and structures of its participants changing at an equally fast rate. The phenomena of carsharing has taken up a dynamic growth in the last years, thus adding to the since the deregulation of the German insurance market in July 1994 predatory price wars a new challenge, raising the question of whether or not to be strategically involved in the business field of carsharing. The essence is that these results can be transferred as a blueprint onto mobility in general, giving the motor insurer the possibility to transform into a mobility insurer. This research combines the new trend for mobility in the form of carsharing with digitals aspects, as well as new values ...