Auto Personal Injury Compensation

Publications are listed in chronological order. Learn more about ICJ's research by visiting the Research Agenda page on Auto Personal Injury Compensation. Additional related publications may be found in the lists of Research Briefs and Executive Summaries.

Publications

Deterring Fraud: The Role of General Damage Awards in Automobile Insurance Settlements David Loughran, DRU-2832-ICJ, 2003 (Full Document) The aggregate cost of auto insurance fraud may be less than typically estimated since insurers appear to compensate for suspected fraud by lowering general damage awards.

The Effects of Third-Party, Bad Faith Doctrine on Automobile Insurance Costs and Compensation Angela Hawken, Stephen J. Carroll, Allan F. Abrahamse, MR-1199-ICJ, 2001 (Full Document) Finds that adoption and subsequent reversal of bad-faith doctrine in California had significant effects on costs and compensation.

The Effect of No-Fault Automobile Insurance on Driver Behavior and Automobile Accidents in the United States David S. Loughran, MR-1384-ICJ, 2001 (Full Document) Examines trends in fatal and non-fatal automobile accident rates and rates of driver negligence in the United States between 1967 and 1989.

The Frequency of Excess Auto Personal Injury Claims Stephen J. Carroll, Allan F. Abrahamse, RP-983 (originally published in American law and economics review, v. 3, no. 2, 2001), 2001 (Ordering Information; Full Text PDF available from the publisher) Analyzes auto personal injury claims across the states to estimate the frequency of claims for nonexistent or preexisting injuries.

The Effects of a Choice Auto Insurance Plan on Insurance Costs and Compensation Stephen J. Carroll, Allan F. Abrahamse, RP-863 (Originally published in Journal of Insurance Regulation, v. 18, no. 1, Fall 1999), 2000 (Ordering Information) Estimates the effects of offering drivers a choice between their state's current insurance system and an absolute no-fault plan in which motorists neither recover nor are liable for noneconomic loss for any auto accident injury.

The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation: An Analysis Based on 1997 Data Stephen J. Carroll, Allan F. Abrahamse, MR-1134-ICJ, 1999 (Full Document) Estimates the effects of a choice automobile insurance plan on the costs of compensating auto accident victims.

The Frequency of Excess Claims for Automobile Personal Injuries Stephen J. Carroll, Allan F. Abrahamse, RP-810-ICJ (originally published in Automobile Insurance: Road Safety, New Drivers, Risks, Insurance Fraud and Regulation, edited by Georges Dionne, Claire Laberge-Nadeau [Boston, Mass.: Kluwer, 1999], chap. 7), 1999 (Ordering Information) Analyzes the patterns of personal injury claims submitted across the states to estimate the extent of "excess claiming," claims for alleged injuries that are either nonexistent or unrelated to the accident.

The Effects of a No-Pay/No-Play Plan on the Costs of Auto Insurance in Texas Stephen J. Carroll, Allan F. Abrahamse, IP-174-ICJ, 1998 (Full Document) Examines the cost effects of a proposal in Texas that would bar drunk drivers and uninsured motorists from compensation for any noneconomic losses resulting from auto accident injuries.

The Effect of Allowing Motorists to Opt Out of Tort Law in the United States Jeffrey O'Connell, Stephen J. Carroll, Allan F. Abrahamse, Michael J. Horowitz, and Alexander Karan, RP-745 (originally published in Les Cahiers de Droit, Special Issue, 1998), 1998 (Ordering Information) A proposed solution to the problem of using tort law and no-fault law for traffic accidents would allow motorists to choose an option bypassing the inadequacies of both; this paper describes and then dismisses that proposed solution.

The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation: An Updated Analysis Stephen J. Carroll, Allan F. Abrahamse, MR-970, 1998 (Full Document) Updates an earlier study in which the authors estimated the effects of a choice automobile insurance plan on the costs of compensating auto accident victims in which the no-fault option was absolute no-fault (ANF).

The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation Allan F. Abrahamse and Stephen J. Carroll, RP-707 (originally published in CPCU Journal, v. 51, no. 1, Spring 1998), 1998 (Ordering Information) Estimates the effects of offering drivers in each state a choice between their state's current insurance system and an absolute no-fault plan in which motorists neither recover nor are liable for noneconomic loss for any accident injury.

Effects of an Auto-Choice Automobile Insurance Plan on Costs and Premiums Stephen Carroll, CT-141 (written statement delivered on March 19, 1997, to the Joint Economic Committee of the United States Congress), 1997 (Full Document) Testimony based on several ICJ studies of alternative approaches to compensating automobile accident victims for their personal injuries.

Effects of a Choice Automobile Insurance Plan on Costs and Premiums: Testimony Presented to the Senate Commerce, Science, and Transportation Committee Stephen J. Carroll, CT-144, 1997 (Ordering Information) Presents the results of an analysis of how a plan that offers a choice between tort and absolute no-fault (ANF) would affect the costs of auto insurance in each of the states in 1987, the most recent year for which data were available at the time of the study

The Effects of Proposition 213 on the Costs of Auto Insurance in California Stephen J. Carroll, Allan F. Abrahamse, IP-157, 1996 (Full Document) Describes the likely effects of the proposition's provisions regarding uninsured or drunk drivers on the costs of private-passenger auto insurance, and suggests that the proposition would have reduced auto insurance costs.

The Effects of a Proposed No-Fault Plan on the Costs of Auto Insurance in California: An Updated Analysis Stephen J. Carroll, Allan F. Abrahamse, IP-146/1, 1996 (Full Document) Estimates how a pure no-fault automobile insurance plan, proposed for California in 1995, would affect the costs of automobile insurance in the state.

The Comparative Costs of Allowing Consumer Choice for Auto Insurance in all Fifty States Jeffrey O'Connell, Stephen J. Carroll, Michael J. Horowitz, Allan F. Abrahamse, and Paul Jamieson, RP-518 (originally published in Maryland Law Review, v. 55, no. 1, 1996), 1996 (Ordering Information) Presents actuarial results for all fifty states, including those currently with no-fault laws, focusing on the effects of the plan allowing choice (to give up tort claims for noneconomic loss) on the costs of private passenger auto insurance.

The Effects of a Choice Auto Insurance Plan on Insurance Costs Allan F. Abrahamse and Stephen J. Carroll, MR-540, 1995 (Ordering Information) Estimates how choice auto insurance would affect auto insurance costs in each state by analyzing the cost effects of a choice between tort and absolute no-fault in each of the states that now relies on the traditional tort system.

The Costs of Excess Medical Claims for Automobile Personal Injuries Stephen J. Carroll, Allan F. Abrahamse, and Mary E. Vaiana, DB-139, 1995 (Ordering Information) Analyzes the pattern of excess medical claiming against auto insurance across the states to estimate how much excess medical claiming exists and how much it costs consumers.

The Costs of Consumer Choice for Auto Insurance in States Without No-Fault Insurance Jeffrey O'Connell, Stephen J. Carroll, Michael J. Horowitz, Allan F. Abrahamse, and Daniel Kaiser, RP-442 (originally published in Maryland Law Review, v. 54, no. 2, 1995), 1995 (Ordering Information) Examines a reform system that replaces current no-fault proposals, focusing on the cost savings that would result.

Consumer Choice in the Auto Insurance Market Jeffrey O'Connell, Stephen J. Carroll, Michael J. Horowitz, and Allan F. Abrahamse, RP-254 (originally published in Maryland Law Review, v. 52, no. 4, 1993), 1993 (Ordering Information) Summarizes an analysis of how a plan that offers a choice between tort and absolute no-fault personal injury insurance would affect the costs of auto insurance in states that now have the traditional tort system.

No-Fault Approaches to Compensating Auto Accident Victims Stephen J. Carroll and James S. Kakalik, RP-229 (originally published in Journal of Risk and Insurance, v. 60, no. 2, 1993), 1993 (Ordering Information) Estimates the effects of a broad range of alternative no-fault auto insurance plans, compared with the traditional tort system.

No-Fault Automobile Insurance: A Policy Perspective Stephen J. Carroll, James S. Kakalik, and David Adamson, R-4019/1, 1991 (Ordering Information) Considers what would happen if a state adopted a no-fault auto insurance system.

No-Fault Approaches to Compensating People Injured in Automobile Accidents Stephen J. Carroll and James S. Kakalik, Nicholas M. Pace, and John L. Adams, R-4019, 1991 (Ordering Information) Estimates the effects of a broad range of no-fault plans, compared with the traditional system.

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