The Effect Of No Fault Automobile Insurance On Driver Behavior And Automobile Accidents In The United States
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The Effect Of No Fault Automobile Insurance On Driver Behavior And Automobile Accidents In The United States
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Author : David S. Loughran
language : en
Publisher: Rand Corporation
Release Date : 2001
The Effect Of No Fault Automobile Insurance On Driver Behavior And Automobile Accidents In The United States written by David S. Loughran and has been published by Rand Corporation this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Health & Fitness categories.
No-fault auto insurance opponents frequently argue that no-fault may ultimately lead to higher auto insurance costs by reducing drivers' incentives to drive carefully and thereby increasing the accident rate. The intuition behind this criticism of no-fault is simple: No-fault auto insurance lowers the cost of driving negligently by limiting first-party liability for the injuries suffered by third-parties in auto accidents. This book evaluates this criticism of no-fault by examining trends in fatal and non-fatal automobile accidents rates and rates of driver negligence in the United States between 1967 and 1989. Contrary to some earlier research, the author finds no evidence that the adoption of no-fault auto insurance between 1971 and 1976 in 16 states increased fatal accident rates in those states. This book also finds no correlation between the presence of no-fault auto insurance and a state's overall accident rate or rate of driver negligence.
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.
Automobile Insurance Road Safety New Drivers Risks Insurance Fraud And Regulation
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Author : Georges Dionne
language : en
Publisher: Springer Science & Business Media
Release Date : 1999
Automobile Insurance Road Safety New Drivers Risks Insurance Fraud And Regulation written by Georges Dionne 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 1999 with Business & Economics categories.
Motor vehicle accidents are still a leading cause of death, even if the trend has somewhat declined over the past 20 years. Indeed, motor vehicle accidents are a significant cause of death in comparison with air and space transport accidents, homicides and even HIV infections, causes which are more often highlighted in the media. As shown in this book, motor vehicle accidents are particularly damaging to very young drivers. The assessment of driving risks is a common concern for road transportation safety and the automobile insurance industry. In both cases, there is an awareness of the great losses resulting from the deaths, injuries and property damage caused by traffic accidents. Research is essential to counteract this public health threat, to assess the success or failure of countermeasures, and to solve the problems it generates in the insurance industry. This book is for people concerned about road crashes (prevention and compensation) and about the insurance problems they pose - namely private and public institutional authorities, consultants, administrators, practitioners, and researchers interested in sharing the authors' experience in this domain. The book presents original contributions related to motor vehicle insurance and road safety. All papers have been evaluated by external referees. Four subjects are covered: 1) Automobile Insurance Pricing, Risks and Asymmetric Information; 2) Insurance Fraud; 3) Young Drivers: Licensing Policies, Evaluation and Risks; and 4) Road Insurance Regulation.
The Effect Of Automobile Insurance And Accident Liability Laws On Traffic Fatalities
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Author : Alma Cohen
language : en
Publisher:
Release Date : 2003
The Effect Of Automobile Insurance And Accident Liability Laws On Traffic Fatalities written by Alma Cohen and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003 with Accident law categories.
This paper investigates the incentive effects of automobile insurance, compulsory insurance laws, and no-fault liability laws on driver behavior and traffic fatalities. We analyze a panel of 50 U.S. states and the District of Columbia from 1970-1998, a period in which many states adopted compulsory insurance regulations and/or no-fault laws. Using an instrumental variables approach, we find evidence that automobile insurance has moral hazard costs, leading to an increase in traffic fatalities. We also find that reductions in accident liability produced by no-fault liability laws have led to an increase in traffic fatalities (estimated to be on the order of 6%). Overall, our results indicate that, whatever other benefits they might produce, increases in the incidence of automobile insurance and moves to no-fault liability systems have significant negative effects on traffic fatalities
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.
Driver Behavior And Accident Involvement
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Author : United States. Department of Transportation. Automobile Insurance and Compensation Study
language : en
Publisher:
Release Date : 1970
Driver Behavior And Accident Involvement 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 drivers 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.
The Incentive Effects Of No Fault Automobile Insurance
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Author : J David Cummins
language : en
Publisher:
Release Date : 2014
The Incentive Effects Of No Fault Automobile Insurance written by J David Cummins and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
This paper presents a theoretical and empirical analysis of the effects of no fault automobile insurance on fatal accident rates. As a mechanism for compensating the victims of automobile accidents, no fault has several important advantages over the tort system. However, by restricting access to tort, no fault may weaken incentives for careful driving, leading to higher accident rates. We conduct an empirical analysis of automobile accident fatality rates in all U.S. states over the period 1968-1994, controlling for the potential endogeneity of no fault laws. The results support the hypothesis that no fault is significantly associated with higher fatal accident rates than tort.
It S No Accident
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Author : Lisa Lewis
language : en
Publisher: Lulu.com
Release Date : 2006-03-01
It S No Accident written by Lisa Lewis and has been published by Lulu.com this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-03-01 with Transportation categories.
For more than 30 years, the government has been ramming cars into walls in an effort to make car crashes safe. The public has been conditioned to believe that seatbelts, airbags and more "crashworthy" vehicles are the best ways to protect us from harm on the roads. Meanwhile, the most basic strategies to deter dangerous driving and prevent crashes have been ignored. "It's No Accident" provides a rare glimpse into how the government got seduced by the promise of "safe crashing." It then examines the major factors involved in crashes today, including speeding, aggressive driving, distracted (e.g. cell phones) and drowsy driving. The author reveals that many dangerous behaviors are now legally PROMOTED by businesses, and that drivers who kill often walk away with just a small fine. This well-documented expose is a must-read for anyone concerned about violent death and injury on our roads and how to stop it. **Questions about this book or trouble with your order? E-mail [email protected]
