0.37 Haitao Yin Howard Kunreuther Matthew W. White, Risk-Based Pricing and Risk-Reducing Effort: Does the Private Insurance Market Reduce Environmental Accidents?, Journal of Law and Economics, 2011.

{ facility inspection environmental pollution }	0.37
{ percent data table effect }	0.14
{ rate year change period }	0.10
{ insurance claim liability premium }	0.09

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