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     <title>RAND Research Topic: Automotive Insurance</title>
     <link rel="self" href="http://www.rand.org/topics/automotive-insurance.xml"/>
     <updated>2012-05-24T16:47:36Z</updated>
     <link rel="alternate" type="text/html" hreflang="en" href="http://www.rand.org/topics/automotive-insurance.html" />
     <rights>Copyright (c) 2012, The RAND Corporation</rights>
     <author>
       <name>RAND Corporation</name>
     </author>
     <id>http://www.rand.org/topics/automotive-insurance.html</id>
	 
 <entry>
   <title type="html">RAND Review: Vol. 34, No. 1, Spring 2010</title>
   <id>http://www.rand.org/pubs/corporate_pubs/CP22-2010-04.html</id>
   <published>Apr 9, 2010</published>
   <updated>Apr 9, 2010</updated>
   <summary type="html">&lt;p&gt;Features discuss energy strategies for Israel, the economic recession, and Iran&apos;s leadership; other items discuss the KC-10 fleet, air pollution and hospital costs, no-fault insurance, silica litigation, poverty reduction, and political polarization.&lt;/p&gt;</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/corporate_pubs/CP22-2010-04.html" />
   
 </entry>
 
 <entry>
   <title type="html">Reducing Michigan Auto Insurance Rates</title>
   <id>http://www.rand.org/pubs/research_briefs/RB9513.html</id>
   <published>Mar 4, 2010</published>
   <updated>Mar 4, 2010</updated>
   <summary type="html">&lt;p&gt;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.&lt;/p&gt;</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/research_briefs/RB9513.html" />
   
 </entry>
 
 <entry>
   <title type="html">Auto Insurance Reform in Michigan: What Can the Data Tell Us?</title>
   <id>http://www.rand.org/pubs/occasional_papers/OP293.html</id>
   <published>Feb 23, 2010</published>
   <updated>Feb 23, 2010</updated>
   <summary type="html">&lt;p&gt;Legislators and consumer groups in Michigan have recently proposed reforms designed to reduce the costs of auto insurance in the state. The fact that premiums are higher in Michigan than in other states can be explained by higher levels of reimbursement provided to injury victims and their medical providers. This pattern suggests that reforms that change claiming behavior may have considerable potential for lowering auto premiums in Michigan.&lt;/p&gt;</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/occasional_papers/OP293.html" />
   
 </entry>
 
 <entry>
   <title type="html">No-Fault Automobile Insurance&apos;s Fall from Popularity Caused by Increased Medical Costs</title>
   <id>http://www.rand.org/news/press/2010/02/15.html</id>
   <published>Feb 15, 2010</published>
   <updated>Feb 15, 2010</updated>
   <summary type="html">No-fault automobile insurance, once seen as a way to limit court costs and lower premiums, has declined in popularity among both insurers and consumers because it largely has failed to accomplish either goal.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/news/press/2010/02/15.html" />
   
 </entry>
 
 <entry>
   <title type="html">No-Fault Automobile Insurance&apos;s Fall from Popularity Caused by Increased Medical Costs</title>
   <id>http://www.rand.org/pubs/monographs/MG860.html</id>
   <published>Feb 11, 2010</published>
   <updated>Feb 11, 2010</updated>
   <summary type="html">&lt;p&gt;No-fault automobile insurance, once seen as a way to limit court costs and lower premiums, has declined in popularity among both insurers and consumers because it largely has failed to accomplish either goal.&lt;/p&gt;</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/monographs/MG860.html" />
   
 </entry>
 
 <entry>
   <title type="html">Senior Drivers Less Likely than Youngest Drivers to Cause Accidents</title>
   <id>http://www.rand.org/pubs/occasional_papers/OP189.html</id>
   <published>Jul 18, 2007</published>
   <updated>Jul 18, 2007</updated>
   <summary type="html">&lt;p&gt;Drivers 65 and older are just one-third as likely as drivers 15 to 24 to cause auto accidents, and not much more likely than drivers 25 to 64 to cause accidents.

&lt;/p&gt;</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/occasional_papers/OP189.html" />
   
 </entry>
 
 <entry>
   <title type="html">Deterring Fraud: The Role of General Damage Awards in Automobile Insurance Settlements</title>
   <id>http://www.rand.org/pubs/drafts/DRU2832.html</id>
   <published>Dec 31, 2001</published>
   <updated>Dec 31, 2001</updated>
   <summary type="html">Deterring Fraud: The Role of General Damage Awards in Automobile Insurance Settlements</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/drafts/DRU2832.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Frequency of Excess Auto Personal Injury Claims</title>
   <id>http://www.rand.org/pubs/reprints/RP983.html</id>
   <published>Dec 31, 2001</published>
   <updated>Dec 31, 2001</updated>
   <summary type="html">The Frequency of Excess Auto Personal Injury Claims</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/reprints/RP983.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of Third-Party, Bad Faith Doctrine on Automobile Insurance Costs and Compensation</title>
   <id>http://www.rand.org/pubs/monograph_reports/MR1199.html</id>
   <published>Jan 1, 2001</published>
   <updated>Jan 1, 2001</updated>
   <summary type="html">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&apos;s liability insurer &amp;mdash; a so-called third-party, bad faith suit &amp;mdash; has become an important policy concern.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/monograph_reports/MR1199.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effect of No-Fault Automobile Insurance on Driver Behavior and Automobile Accidents in the United States</title>
   <id>http://www.rand.org/pubs/monograph_reports/MR1384.html</id>
   <published>Jan 1, 2001</published>
   <updated>Jan 1, 2001</updated>
   <summary type="html">No-fault auto insurance opponents frequently argue that no-fault may ultimately lead to higher auto insurance costs by reducing drivers&apos; incentives to drive carefully and thereby increasing the accident rate.  This book evaluates this criticism. </summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/monograph_reports/MR1384.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of Choice Auto Insurance on Costs and Compensation</title>
   <id>http://www.rand.org/pubs/external_publications/EP20010026.html</id>
   <published>Dec 31, 2000</published>
   <updated>Dec 31, 2000</updated>
   <summary type="html">&lt;p&gt;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 that embodies the basic principles of the plans being considered in Congress.  In this study, the authors assume the distributions of accidents, injuries, and losses observed in the 1997 data for each state would be the same in that state under the choice pla&lt;/p&gt;</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20010026.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of No-Fault Auto Insurance on Driver Behavior and Auto Accidents in the United States</title>
   <id>http://www.rand.org/pubs/external_publications/EP20010027.html</id>
   <published>Dec 31, 2000</published>
   <updated>Dec 31, 2000</updated>
   <summary type="html"></summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/external_publications/EP20010027.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of a Choice Auto Insurance Plan on Insurance Costs and Compensation</title>
   <id>http://www.rand.org/pubs/reprints/RP863.html</id>
   <published>Dec 31, 1999</published>
   <updated>Dec 31, 1999</updated>
   <summary type="html">The authors estimate the effects of offering the drivers in each state a choice between their state&apos;s current insurance system and an absolute no-fault plan.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/reprints/RP863.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation: An Analysis Based on 1997 Data</title>
   <id>http://www.rand.org/pubs/monograph_reports/MR1134.html</id>
   <published>Jan 1, 1999</published>
   <updated>Jan 1, 1999</updated>
   <summary type="html">Estimate how a choice auto insurance plan, which gives drivers the option of selecting a somewhat modified version of their state&apos;s current auto insurance plan or a no-fault plan, would affect auto insurance costs.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/monograph_reports/MR1134.html" />
   
 </entry>
 
 <entry>
   <title type="html">The effect of allowing motorists to opt out of tort law in the United States</title>
   <id>http://www.rand.org/pubs/reprints/RP745.html</id>
   <published>Dec 31, 1998</published>
   <updated>Dec 31, 1998</updated>
   <summary type="html">The effect of allowing motorists to opt out of tort law in the United States</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/reprints/RP745.html" />
   
 </entry>
 
 <entry>
   <title type="html">The frequency of excess claims for automobile personal injuries</title>
   <id>http://www.rand.org/pubs/reprints/RP810.html</id>
   <published>Dec 31, 1998</published>
   <updated>Dec 31, 1998</updated>
   <summary type="html">The frequency of excess claims for automobile personal injuries</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/reprints/RP810.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of a Choice Automobile Insurance Plan on Insurance Costs and Compensation: An Updated Analysis</title>
   <id>http://www.rand.org/pubs/monograph_reports/MR970.html</id>
   <published>Jan 1, 1998</published>
   <updated>Jan 1, 1998</updated>
   <summary type="html">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).</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/monograph_reports/MR970.html" />
   
 </entry>
 
 <entry>
   <title type="html">The Effects of a No-pay/No-play Plan on the Costs of Auto Insurance in Texas</title>
   <id>http://www.rand.org/pubs/issue_papers/IP174.html</id>
   <published>Dec 31, 1997</published>
   <updated>Dec 31, 1997</updated>
   <summary type="html">The Effects of a No-pay/No-play Plan on the Costs of Auto Insurance in Texas</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/issue_papers/IP174.html" />
   
 </entry>
 
 <entry>
   <title type="html">The effects of a choice automobile insurance plan on insurance costs and compensation</title>
   <id>http://www.rand.org/pubs/reprints/RP707.html</id>
   <published>Dec 31, 1997</published>
   <updated>Dec 31, 1997</updated>
   <summary type="html">The effects of a choice automobile insurance plan on insurance costs and compensation</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/reprints/RP707.html" />
   
 </entry>
 
 <entry>
   <title type="html">Effects of an Auto-Choice Automobile Insurance Plan on Costs and Premiums</title>
   <id>http://www.rand.org/pubs/testimonies/CT141-1.html</id>
   <published>Dec 31, 1996</published>
   <updated>Dec 31, 1996</updated>
   <summary type="html">This publication contains the written statement of Stephen Carroll delivered on March 19, 1997, to the Joint Economic Committee of the United States Congress.</summary>
   <link rel="alternate" type="text/xhtml" hreflang="en" title="Read More" href="http://www.rand.org/pubs/testimonies/CT141-1.html" />
   
 </entry>
 
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