{"id":"W4405880337","doi":"10.1111/jori.12502","title":"Do higher insurance premiums provoke larger reported losses? An experimental study","year":2024,"lang":"en","type":"article","venue":"Journal of Risk & Insurance","topic":"Experimental Behavioral Economics Studies","field":"Social Sciences","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"McMaster University; Wilfrid Laurier University","funders":"Wilfrid Laurier University","keywords":"Indemnity; Earnings; Actuarial science; Cash; Reservation; Auto insurance risk selection; Receipt; Insurance policy; Dishonesty; Private insurance; Business; Economics; General insurance; Health insurance; Finance; Accounting; Psychology","routes":{"ca_aff":true,"ca_fund":true,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"codex-gemma-dda1882f352a","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.001605794,0.0002509297,0.0004772908,0.0001501644,0.0005188543,0.0004136356,0.0004760843,0.0001046387,0.0001801767],"category_scores_gemma":[0.0001184083,0.0002145616,0.0002144907,0.0003909672,0.0003042727,0.001572028,0.0000761299,0.0005249406,0.00004016099],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.0005524421,"about_ca_system_score_gemma":0.0002203756,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.001173347,"about_ca_topic_score_gemma":0.0003886708,"domain_scores_codex":[0.9972274,0.0003567015,0.0009336076,0.0004095507,0.0006745685,0.0003981288],"domain_scores_gemma":[0.9984489,0.0001183519,0.000668073,0.0003099211,0.0002405071,0.0002142366],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"observational","study_design_gemma":"observational","study_design_scores_codex":[0.0001711582,0.001899163,0.9320679,0.00001110796,0.0001893454,0.0004754378,0.05494422,0.00002580766,0.005934513,0.0008611184,0.0008693808,0.002550804],"study_design_scores_gemma":[0.001713433,0.001676978,0.9098503,0.0002680876,0.0001137738,0.00007381921,0.04771976,0.000008861353,0.008155985,0.0007416381,0.02895028,0.0007270557],"study_design_candidate":"observational","study_design_consensus":"observational","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.979566,0.01315303,0.000003653668,0.0001520512,0.003279146,0.0004519904,0.00004149817,0.00009016488,0.00326247],"genre_scores_gemma":[0.9975597,0.0007832886,0.0003070662,0.00004209471,0.0008395736,0.00003260037,9.57384e-7,0.00003983023,0.0003949168],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.0280809,"threshold_uncertainty_score":0.8749568,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.0467806718198505,"score_gpt":0.3765178438176172,"score_spread":0.3297371719977667,"validation_status":"score_only:v0-immature-baseline","note":"Baseline scores from an immature model (maturity gate not passed). Scores rank; they never assert a category."}}