Auto Personal Injury Compensation
Our research is aimed at finding ways to improve automobile personal injury compensation for all stakeholders
Throughout the past decade, public debate about how to reform auto insurance has focused on ways to make it more affordable without undermining the vital safety net it provides to policyholders and accident victims. The ICJ's series of reports on the premium savings that "Choice" auto insurance plans could offer drivers who are willing to forego compensation for noneconomic damages exemplifies our work in this area.
The ICJ has a continuing interest in research that will help policymakers identify and implement reforms that can make the automobile injury liability and compensation as fair and affordable as possible.
Reducing Michigan Auto Insurance Rates — 2010
Higher auto insurance rates in Michigan lead to a high proportion of drivers without auto insurance. Introducing options or fee schedules for personal injury protection coverage could help lead to broader, more-affordable choices.
The U.S. Experience with No-Fault Automobile Insurance: A Retrospective — 2010
This monograph reviews the history of no-fault auto insurance in the United States and concludes that political support for no-fault dissipated because premium costs under no-fault have been higher than tort largely due to higher medical costs.
Regulating Older Drivers: Are New Policies Needed? — 2007
This paper summarizes the findings and policy implications of a study estimating the relative riskiness of older drivers, concluding that stricter licensing policies targeting that group would likely not improve traffic safety substantially.
Deterring Fraud: The Role of General Damage Awards in Automobile Insurance Settlements — 2002
Deterring Fraud: The Role of General Damage Awards in Automobile Insurance Settlements
The Frequency of Excess Auto Personal Injury Claims — 2002
The Frequency of Excess Auto Personal Injury Claims
The Effect of No-Fault Automobile Insurance on Driver Behavior and Automobile Accidents in the United States — 2001
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. This book evaluates this criticism.
The Effects of Choice Auto Insurance on Costs and Compensation — 2001
This analysis uses data for a representative sample of auto accident victims whose claims were closed in 1997 to estimate the effects of a choice automobile insurance plan.
The Effects of Third-Party, Bad Faith Doctrine on Automobile Insurance Costs and Compensation — 2001
The question of whether an automobile accident victim should be allowed to bring a claim for punitive damages for unfair settlement practices against another person's liability insurer — a so-called third-party, bad faith suit — has become an important policy concern.
The Effects of a Choice Auto Insurance Plan on Insurance Costs and Compensation — 2000
The authors estimate the effects of offering the drivers in each state a choice between their state's current insurance system and an absolute no-fault plan.
The effect of allowing motorists to opt out of tort law in the United States — 1999
The effect of allowing motorists to opt out of tort law in the United States
The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation: An Analysis Based on 1997 Data — 1999
Estimate how a choice auto insurance plan, which gives drivers the option of selecting a somewhat modified version of their state's current auto insurance plan or a no-fault plan, would affect auto insurance costs.
The frequency of excess claims for automobile personal injuries — 1999
The frequency of excess claims for automobile personal injuries
The effects of a choice automobile insurance plan on insurance costs and compensation — 1998
The effects of a choice automobile insurance plan on insurance costs and compensation
The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation: An Updated Analysis — 1998
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 No-pay/No-play Plan on the Costs of Auto Insurance in Texas — 1998
The Effects of a No-pay/No-play Plan on the Costs of Auto Insurance in Texas
Effects of a Choice Automobile Insurance Plan on Costs and Premiums — 1997
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.
Effects of an Auto-Choice Automobile Insurance Plan on Costs and Premiums — 1997
This publication contains the written statement of Stephen Carroll delivered on March 19, 1997, to the Joint Economic Committee of the United States Congress.
The comparative costs of allowing consumer choice for auto insurance in all fifty states — 1996
The comparative costs of allowing consumer choice for auto insurance in all fifty states
The Effects of a Proposed No-Fault Plan on the Costs of Auto Insurance in California: An Updated Analysis — 1996
This Issue Paper 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 Effects of Proposition 213 on the Costs of Auto Insurance in California — 1996
The Personal Responsibility Act of 1996, which qualified for the November 1996 California ballot, would have barred drunk drivers and uninsured motorists from compensation for any non-economic losses resulting from auto accident injuries.
The costs of consumer choice for auto insurance in states without no-fault insurance — 1995
The costs of consumer choice for auto insurance in states without no-fault insurance
The Costs of Excess Medical Claims for Automobile Personal Injuries — 1995
This study analyzes the pattern of excess medical claiming across the states to estimate how much excess medical claiming exists and how much it costs consumers.
The Effects of a Choice Auto Insurance Plan on Insurance Costs — 1995
Choice auto insurance would let drivers choose between traditional auto insurance and a no-fault plan. This report estimates how choice auto insurance would affect auto insurance costs in each state.
Consumer Choice in the Auto Insurance Market — 1994
This article 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 — 1993
This study estimates the effects of a broad range of alternative no-fault auto insurance plans, compared with the traditional tort system.
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