{"id":"W4414994675","doi":"10.1017/esa.2025.10022","title":"What if compulsory insurance triggered self-insurance? An experimental evidence","year":2025,"lang":"en","type":"article","venue":"Journal of the Economic Science Association","topic":"Financial Literacy, Pension, Retirement Analysis","field":"Business, Management and Accounting","cited_by":0,"is_retracted":false,"has_abstract":true,"ca_institutions":"Université de Montréal; Center for Interuniversity Research and Analysis on Organizations","funders":"Agence Nationale de la Recherche","keywords":"Key person insurance; Insurance policy; Auto insurance risk selection; Casualty insurance; Externality; Risk management; Group insurance; General insurance","routes":{"ca_aff":true,"ca_fund":false,"ca_venue":false,"about_ca":false,"invisible_to_affiliation_only":false},"retraction":null,"screen":null,"direct_labels":[],"prediction":{"model_version":"metacan-v3-hybrid-931329e0061c","candidate_categories":[],"consensus_categories":[],"category_scores_codex":[0.003329748,0.0004334538,0.0005748802,0.0002514542,0.0004626977,0.001320214,0.0007711613,0.001567529,0.01915279],"category_scores_gemma":[0.0150237,0.0003247156,0.0004447397,0.0001870848,0.001103753,0.001040153,0.0008500079,0.001392296,0.000964975],"about_ca_system_candidate":false,"about_ca_system_consensus":false,"about_ca_system_score_codex":0.000482155,"about_ca_system_score_gemma":0.0007095209,"about_ca_topic_candidate":false,"about_ca_topic_consensus":false,"about_ca_topic_score_codex":0.0006176509,"about_ca_topic_score_gemma":0.0004307287,"domain_scores_codex":[0.9983692,0.0007501927,0.0001348433,0.0003811246,0.0002215872,0.0001431461],"domain_scores_gemma":[0.9621854,0.02672264,0.006534126,0.002785922,0.0007000998,0.001071732],"domain_codex":null,"domain_gemma":null,"domain_candidate":null,"domain_consensus":null,"study_design_codex":"nonrandomized_trial","study_design_gemma":"nonrandomized_trial","study_design_scores_codex":[0.1777735,0.2947681,0.1312876,0.007961593,0.002048068,0.001382153,0.004753944,0.00658841,0.1249336,0.0778859,0.007802691,0.1628145],"study_design_scores_gemma":[0.03842968,0.3070934,0.3561777,0.002005419,0.005362627,0.001237546,0.005956912,0.03620129,0.09755556,0.1088006,0.04071362,0.0004654414],"study_design_candidate":"nonrandomized_trial","study_design_consensus":"nonrandomized_trial","genre_codex":"empirical","genre_gemma":"empirical","genre_scores_codex":[0.9905779,0.0003088707,0.001387041,0.0004709284,0.0001064524,0.0003319417,0.0002530171,0.00001660982,0.006547338],"genre_scores_gemma":[0.9964688,0.0002077896,0.001236674,0.0002576172,0.00004956275,0.0003103944,0.000111453,0.000006104954,0.001351694],"genre_candidate":"empirical","genre_consensus":"empirical","teacher_disagreement_score":0.01915279,"threshold_uncertainty_score":0.06407249,"prediction_status":"machine_predicted_unvalidated"},"machine_scores":{"provisional":true,"baseline":true,"maturity_gate_passed":false,"score_opus":0.01616539547296303,"score_gpt":0.2711869600122566,"score_spread":0.2550215645392935,"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."}}