@article{FujiiNishizawa+2025+53+62,
url = {https://doi.org/10.1515/apjri-2024-0023},
title = {Cream Skimming and Technological Innovations in Automobile Insurance Market},
title = {},
author = {Yoichiro Fujii and Shuhei Nishizawa},
pages = {53--62},
volume = {19},
number = {1},
journal = {Asia-Pacific Journal of Risk and Insurance},
doi = {doi:10.1515/apjri-2024-0023},
year = {2025},
lastchecked = {2026-04-29}
}