Anastasia Kartasheva

Title

Prof. Dr.

Last Name

Kartasheva

First name

Anastasia

Email

anastasia.kartasheva@unisg.ch

ORCID

0000-0001-5687-7651

Phone

+41 71 224 7995

Web Site

https://siaw.unisg.ch/en/chairs/prof-kartasheva/#c60108

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Strategic Claim Payment Delays: Evidence from Property and Casualty Insurance
(Elsevier BV, 2025-01-25)
Chotibhak Jotikasthira
;
Anastasia Kartasheva
;
Christian T. Lundblad
;
Tarun Ramadorai
Following adverse events, insurers not only raise premiums but also delay claim payments, potentially imposing high state-contingent costs on clients who experience losses. These delays increase losses payable, one of the largest liability items on insurers’ balance sheets, augmenting insurer liquidity analogously to interest-free credit. Claim payment delays are larger and more prevalent for insurers that are less capitalized, less liquid, and those who serve clients who are less likely to complain to the regulator. In addition to losses in the same line of business, delays, unlike premiums, also increase in response to losses in unrelated lines of business.
Type:digital resource
URL:https://papers.ssrn.com/sol3/papers.cfm?abstract_id=5115108
DOI:10.2139/ssrn.5115108
URI:https://www.alexandria.unisg.ch/handle/20.500.14171/122732