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Author : Rose Anne Devlin,University of Ottawa. Department of Economics
Publisher : Unknown
Page : 40 pages
File Size : 42,9 Mb
Release : 1997
Category : Business & Economics
ISBN : IND:30000112419233
Author : Justice (Society),Paul Sieghart
Publisher : Taylor & Francis
Page : 58 pages
File Size : 47,6 Mb
Release : 1974
Category : Automobile insurance
ISBN : 8210379456XXX
Author : Craig Brown,Elizabeth Cummins Seto
Publisher : Thomson Carswell
Page : 264 pages
File Size : 53,6 Mb
Release : 1988
Category : Business & Economics
ISBN : STANFORD:36105044016348
Author : James M. Anderson,Paul Heaton,Stephen J. Carroll
Publisher : Rand Corporation
Page : 191 pages
File Size : 45,9 Mb
Release : 2010
Category : Business & Economics
ISBN : 9780833049162
"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.
Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation
Publisher : Unknown
Page : 480 pages
File Size : 40,9 Mb
Release : 1977
Category : Insurance, No-fault automobile
ISBN : LOC:00101592716
Author : United States. Department of Transportation. Automobile Insurance and Compensation Study
Publisher : Unknown
Page : 194 pages
File Size : 42,7 Mb
Release : 1970
Category : Government publications
ISBN : IND:30000066227053
Author : Richard E. Barfield
Publisher : Unknown
Page : 64 pages
File Size : 50,9 Mb
Release : 1979
Category : Automobile insurance
ISBN : UOM:39015018323827
Author : Merwyn Adolph Kraft
Publisher : Unknown
Page : 88 pages
File Size : 46,5 Mb
Release : 1971
Category : Automobile insurance
ISBN : STANFORD:36105044387368
Statistics were collected in 1966 by Wilbur Smith and Associates for the District of Columbia Dept. of Highways and Traffic. Mr. Merwyn A. Kraft served as a special consultant to the U.S. Dept. of Transportation Automobile Insurance and Compensation Study and is responsible for this report.
Author : David S. Loughran
Publisher : Rand Corporation
Page : 44 pages
File Size : 50,8 Mb
Release : 2001
Category : Health & Fitness
ISBN : 0833030213
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.
Author : Jerry J. Phillips,Stephen Chippendale
Publisher : Controversies in Public Policy Series
Page : 129 pages
File Size : 47,8 Mb
Release : 2002
Category : Law
ISBN : 0878408878
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.
Author : American Bar Association. Special Committee on Automobile Insurance Legislation
Publisher : Unknown
Page : 104 pages
File Size : 52,9 Mb
Release : 1978
Category : Insurance, No-fault automobile
ISBN : STANFORD:36105060030603
Author : Stephen J. Carroll
Publisher : Rand Corporation
Page : 239 pages
File Size : 41,5 Mb
Release : 1991
Category : Social Science
ISBN : 0833011820
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.
Author : Jeffrey O'Connell
Publisher : University of Illinois Press
Page : 280 pages
File Size : 49,8 Mb
Release : 1971
Category : Business & Economics
ISBN : STANFORD:36105044382963
Author : American Enterprise Institute for Public Policy Research
Publisher : Unknown
Page : 40 pages
File Size : 46,6 Mb
Release : 1971
Category : No-fault automobile insurance
ISBN : STANFORD:36105120914069
Author : Georges Dionne,Claire Laberge-Nadeau
Publisher : Springer Science & Business Media
Page : 369 pages
File Size : 55,7 Mb
Release : 2012-12-06
Category : Business & Economics
ISBN : 9781461540588
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.
