Now suppose that there is asymmetric information so that the insurance company does not know the driver's type. The insurance company offers a premium equal to the average actuarially fair premium in the population. b) Suppose the utility function is U = ln(C) for all C>0 where C is the amount of consumption you have in any given period. If C=0 (i.e., no income), then U=0. Who would buy insurance? What is this equilibrium called