The present paper investigates the adverse selection problem by examining the relationship between accident occurrences and deductible choice utilizing a seemingly unrelated probit model that allows for best controls for unobserved heterogeneity and endogeneity. While this microeconometric analysis does not consider a multivariate model and considers only two types of contracts. namel... https://www.roneverhart.com/HP-Pavilion-15-eg1053cl-15-6-FHD-Touch-Intel-Core-i5-1235U-3-30-GHz-Intel-Iris-Xe-Graphics-12-GB-DDR4-RAM-512-GB-SSD-/