Fraudulent Claims and Nitpicky Insurers
研究了保险公司在理赔时吹毛求疵的行为如何影响其审计策略，发现减少赔付能降低欺诈率，且适度吹毛求疵对社会最优。
Insurers have the reputation of being bad payers who nitpick whenever an opportunity arises. However, this nitpicking activity has a positive impact on their auditing strategy since auditing may prove profitable when claims are not fraudulent. We show that reducing the indemnity payments of audited claims induces a lower fraud rate at equilibrium and that some degree of nitpicking is socially optimal when insurance fraud is a concern. Its remains optimal even if it induces adverse effects on policyholders' moral standards.