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Daniel Schwarcz
Associate Professor of Law, University of Minnesota Law School. A version of this paper, titled Insurance Demand Anomalies and Regulation, was simultaneously published in the Journal of Consumer Affairs. For helpful comments and suggestions, I thank Ken Abraham, Tom Baker, Oren Bar-Gill, Prentiss Cox, Brenda Cude, Kristin Hickman, Claire Hill, Bert Kritzer, Brett McDonnell, Amy Monahan, Francesco Parisi, Arden Rowell, Steven Schwarcz, Peter Siegelman and Paul Slovic. I also thank the participants in Erasmus Law School's conference on Juxtaposing Autonomy and Paternalism in Private Law, the University of Minnesotas seminar on Alternative Perspective on Law and Economics and the National Bureau of Economic Research's Insurance Project Workshop. Christina Alexander and Carl Engstrom provided excellent research assistance.
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