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TeachMeFinance.com Adverse Selection -- A problem resulting from excessive filing of claims on the part of people who wish to avail of easy insurance cover that may be provided for health, hazardous trades or for meeting emergency situations such as war. Adverse selection may be overcome by hiking up premiums or by restricting accessibility to insurance cover. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2007 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.