It has been shown several times in the literature that telematics data collected motor insurance help to better understand an insured’s driving risk. Insurers who use these reap benefits, such as a estimate of pure premium, more segmented pricing, and less adverse selection. The flip side coin is information often sensitive can therefore compromise policyholders’ privacy. Moreover, due their la...

We study the effectiveness of information design in reducing congestion social services catering to users with varied levels need. In absence price discrimination and centralized admission, provider relies on sharing about wait times improve welfare. consider a stylized model heterogeneous users who differ their private outside options: low-need have an acceptable option the social service, ...