@article{ref1,
title="Externalities in Automobile Insurance and the Underinsured Driver Problem",
journal="Journal of law and economics",
year="1984",
author="Keeton, William R. and Kwerel, Evan",
volume="27",
number="1",
pages="149-179",
abstract="<p>[Abstract unavailable]</p>",
language="",
issn="0022-2186",
doi="",
url="http://dx.doi.org/"
}