No Fault Approaches To Compensating People Injured In Automobile Accidents
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No Fault Approaches To Compensating People Injured In Automobile Accidents
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Author : Stephen J. Carroll
language : en
Publisher: Rand Corporation
Release Date : 1991
No Fault Approaches To Compensating People Injured In Automobile Accidents written by Stephen J. Carroll and has been published by Rand Corporation this book supported file pdf, txt, epub, kindle and other format this book has been release on 1991 with Social Science categories.
Widespread dissatisfaction with the traditional approach to compensating people for auto accident injuries has revived interest in no-fault approaches. This report estimates the effects of a broad range of no-fault plans, compared with the traditional system. The study is primarily based on data from two sources--closed-claim surveys and a household survey--which were combined to construct a representative sample of people injured in auto accidents. The authors use data on what actually happened to people injured in auto accidents in states that have adopted no-fault systems, to develop statistical models. These models relate injuries, losses, and other factors to whether or not the victims received any compensation from auto insurance and, if so, how much, how quickly, and at what transaction costs. The authors then apply these models to samples of people injured in auto accidents in states that retain the traditional compensation system to estimate what would have been their outcomes under a specified no-fault alternative. Finally, they compare the actual outcomes people experienced under the traditional system with their estimated outcomes under various no-fault alternatives. The findings indicate that no-fault can yield substantial savings over the traditional system, or may increase costs substantially, depending on the no-fault plan's provisions. Regardless of plan provisions, all no-fault plans reduce transaction costs, match compensation more closely with economic loss, reduce the amounts paid in compensation for noneconomic loss to less seriously injured people, and speed up compensation.
The U S Experience With No Fault Automobile Insurance
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Author : James M. Anderson
language : en
Publisher: Rand Corporation
Release Date : 2010
The U S Experience With No Fault Automobile Insurance written by James M. Anderson and has been published by Rand Corporation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Business & Economics categories.
"No-fault automobile-insurance regimes were the culmination of decades of dissatisfaction with the use of the traditional tort system for compensating victims of automobile accidents. They promised quicker, fairer, less-contentious, and, it was hoped, less-expensive resolution of automobile-accident injuries. This monograph considers how these plans have fared. After reviewing the intellectual and political history of no-fault auto insurance, the monograph concludes that no-fault lost political popularity because of the perception that it did not deliver the promised consumer premium cost reductions. Analysis of data from a variety of sources confirms this view, demonstrating that premiums and claim costs have become substantially larger in no-fault states than in other states over time. These cost increases can be traced to a variety of factors, including growth in excess claiming in no-fault states and convergence between no-fault and tort states in litigation patterns and noneconomic-damage payments. However, the primary driver of no-fault's cost growth has been high medical costs. The extent to which these additional costs represent augmented utilization of medical services rather than cost shifting from the medical insurance system to the automobile insurance system remains unclear." --Back cover.
No Fault Automobile Insurance
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Author :
language : en
Publisher:
Release Date : 1978
No Fault Automobile Insurance written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1978 with categories.
Who Pays For Car Accidents
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Author : Estate of Jerry J. Phillips
language : en
Publisher: Georgetown University Press
Release Date : 2001-12-18
Who Pays For Car Accidents written by Estate of Jerry J. Phillips and has been published by Georgetown University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001-12-18 with Political Science categories.
In this new volume, two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This book presents in one place all the legal, political, historical, and financial arguments about the two types of auto insurance. Under the fault system currently used by thirty-seven states, tort law provides that the party at fault in the accident pays the full damages of accident victims. Jerry J. Phillips favors this system, arguing that it allows for fair compensation to the injured and deters drivers from dangerous behavior on the road. Stephen Chippendale counters this claim with the argument that tort-law based insurance combines high cost and low benefits, and that those who truly profit from it are the lawyers representing injured clients, while their claims clog up the court system. A better solution, he proposes, would be "Auto Choice," a plan under which consumers would choose whether or not they wished to be eligible for damages from pain and suffering. With civility and respect, these two legal scholars present thoughtful and thorough arguments on both sides of the debate, giving readers a balanced view of an issue that affects nearly every American. It will be of particular value to those in the fields of law, policy, and insurance.
Public Attitudes Supplement To The Economic Consequences Of Automobile Accident Injuries
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Author : United States. Department of Transportation. Automobile Insurance and Compensation Study
language : en
Publisher:
Release Date : 1970
Public Attitudes Supplement To The Economic Consequences Of Automobile Accident Injuries written by United States. Department of Transportation. Automobile Insurance and Compensation Study and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1970 with Automobile insurance categories.
Who Pays For Car Accidents
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Author : Jerry J. Phillips
language : en
Publisher: Controversies in Public Policy Series
Release Date : 2002
Who Pays For Car Accidents written by Jerry J. Phillips and has been published by Controversies in Public Policy Series this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Law categories.
In this new volume, two lawyers debate which kind of automobile insurance is the best, no-fault or tort liability. This book presents in one place all the legal, political, historical, and financial arguments about the two types of auto insurance. Under the fault system currently used by thirty-seven states, tort law provides that the party at fault in the accident pays the full damages of accident victims. Jerry J. Phillips favors this system, arguing that it allows for fair compensation to the injured and deters drivers from dangerous behavior on the road. Stephen Chippendale counters this claim with the argument that tort-law based insurance combines high cost and low benefits, and that those who truly profit from it are the lawyers representing injured clients, while their claims clog up the court system. A better solution, he proposes, would be "Auto Choice," a plan under which consumers would choose whether or not they wished to be eligible for damages from pain and suffering. With civility and respect, these two legal scholars present thoughtful and thorough arguments on both sides of the debate, giving readers a balanced view of an issue that affects nearly every American. It will be of particular value to those in the fields of law, policy, and insurance.
S 625 The Auto Choice Reform Act
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Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation
language : en
Publisher:
Release Date : 1999
S 625 The Auto Choice Reform Act written by United States. Congress. Senate. Committee on Commerce, Science, and Transportation and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999 with Automobile insurance categories.
The Economics And Politics Of Choice No Fault Insurance
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Author : Edward L. Jr. Lascher
language : en
Publisher: Springer Science & Business Media
Release Date : 2012-12-06
The Economics And Politics Of Choice No Fault Insurance written by Edward L. Jr. Lascher and has been published by Springer Science & Business Media this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-12-06 with Business & Economics categories.
In recent years, choice no-fault has emerged as a popular but controversial proposal for addressing the problem of high automobile insurance rates. Choice plans offer consumers the option of a lower-cost insurance policy with restrictions on filing lawsuits or a higher-cost policy with full tort rights. Some American states have implemented choice programs, and major federal choice legislation is now pending in the United States Congress. Choice no-fault has caught the attention of policy makers, the insurance industry, and academics. Until now, however, no single book has pulled together the available research on the topic. The Economics and Politics of Choice No-Fault Insurance fills that gap. Edited by scholars from different disciplines, each of whom has written extensively on automobile insurance issues, the book includes some of the best work in the area. Former Massachusetts Governor and presidential candidate Michael S. Dukakis wrote the foreword. Contributors include University of Virginia Law Professor Jeffrey O'Connell, widely considered the `father of no-fault,' as well as authors of the influential RAND study of the potential effects of choice no-fault on insurance rates. The book chapters, most of which were written especially for this volume, cover topics ranging from the impact of choice no-fault on accidents and driving behavior, to the effects of choice on medical care usage, to alternative approaches for resolving accidents involving both `no-fault' and `tort' electors, to the political feasibility of choice legislative proposals. Emphasis on the potential advantages of choice no-fault is balanced by consideration of possible ill effects.
Atiyah S Accidents Compensation And The Law
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Author : Peter Cane
language : en
Publisher: Cambridge University Press
Release Date : 2006-10-26
Atiyah S Accidents Compensation And The Law written by Peter Cane and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-10-26 with Law categories.
Since its first publication, Accidents, Compensation and the Law has been recognised as the leading treatment of the law of personal injuries compensation and the social, political and economic issues surrounding it. The seventh edition of this classic work explores recent momentous changes in personal injury law and practice and puts them into broad perspective. Most significantly, it examines developments affecting the financing and conduct of personal injury claiming: the abolition of legal aid for most personal injury claims; the increasing use of conditional fee agreements and after-the-event insurance; the meteoric rise and impending regulation of the claims management industry. Complaints that Britain is a 'compensation culture' suffering an 'insurance crisis' are investigated. New statistics on tort claims are discussed, providing fresh insights into the evolution of the tort system which, despite recent reforms, remains deeply flawed and ripe for radical reform.
Automobile Insurance Reform
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Author : United States. Congress. Joint Economic Committee
language : en
Publisher:
Release Date : 1997
Automobile Insurance Reform written by United States. Congress. Joint Economic Committee and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Business & Economics categories.