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PART Ⅰ INFORMATION ASYMMETRIES IN THE LAW AND ECONOMICS OF INSURANCE 5

A.Adverse Selection 5

1.Amy Finkelstein and James Poterba （2002）, ‘Selection Effects in the United Kingdom Individual Annuities Market’, Economic Journal, 112, January, 28-50 5

2.Peter Siegelman （2004）, ‘Adverse Selection in Insurance Markets:An Exaggerated Threat’, Yale Law Journal, 113 （6）, April, 1223-81 28

B.Moral Hazard 89

3.Alma Cohen and Rajeev Dehejia （2004）, ‘The Effect of AutomobileInsurance and Accident Liability Laws on Traffic Fatalities’,Journal of Law and Economics, 47 （2）, October, 357-93 89

4.Tom Baker （1996）, ‘On the Genealogy of Moral Hazard’, TexasLaw Review, 75 （2）, December, 237-92 126

PART Ⅱ INTERPRETING, REGULATING, AND ENFORCING INSURANCE POLICIES 187

A.Interpreting and Construing Insurance Policies 187

5.Kenneth S.Abraham （1996）, ‘A Theory of Insurance Policy Interpretation’, Michigan Law Review, 95 （3）, December, 531-69 187

6.Michelle E.Boardman （2006）, ‘Contra Proferentem: The Allure of Ambiguous Boilerplate’, Michigan Law Review, 104 （5）, March, 1105-28 226

B.Regulating the Content of Insurance Policies 253

7.Russell Korobkin （1999）, ‘The Efficiency of Managed Care “Patient Protection” Laws: Incomplete Contracts, Bounded Rationality, and Market Failure’, Cornell Law Review, 85, 1-88 253

8.Daniel Schwarcz （2007）, ‘A Products Liability Theory for the Judicial Regulation of Insurance Policies’, William and Mary Law Review, 48 （4）, 1389-463 341

C.Bad Faith Breach of Contract 419

9.Alan O.Sykes （1996）, ‘“Bad Faith” Breach of Contract by First- Party Insurers’, Journal of Legal Studies, 25 （2）, June, 405-44 419

PART Ⅲ LIABILITY INSURANCE 463

A.The Desirability of Liability Insurance 463

10.Steven Shavell （1982）, ‘On Liability and Insurance’, Bell Journal of Economics, 13 （1）, Spring, 120-32 463

11.George L.Priest （1989）, ‘Insurability and Punitive Damages’, Alabama Law Review, 40 （3）, 1009-35 476

B.The Duty to Settle 505

12.Kent D.Syverud （1990）, ‘The Duty to Settle’, Virginia Law Review, 76 （6）, September, 1113-209 505

13.Alan O.Sykes （1994）, ‘Judicial Limitations on the Discretion of Liability Insurers to Settle or Litigate: An Economic Critique’, Texas Law Review, 72 （2）, 1345-74 602

C.The Impact of Liability Insurance 635

14.Tom Baker and Sean J.Griffith （2007）, ‘The Missing Monitor in Corporate Governance: The Directors’ & Officers’ Liability Insurer’, Georgetown Law Journal, 95, 1795-842 635

15.Kathryn Zeiler, Charles Silver, Bernard Black, David A.Hyman and William M.Sage （2007）, ‘Physicians’ Insurance Limits and Malpractice Payments: Evidence from Texas Closed Claims, 1990-2003’, Journal of Legal Studies, 36 （S2）, June, S9-S45 683