Research Brief
No-Fault Automobile Insurance Unrelated To Accident Rates: New Research Controls for Bias that Tainted Previous Studies
Jan 1, 2001
Format | File Size | Notes |
---|---|---|
PDF file | 2.3 MB | Use Adobe Acrobat Reader version 10 or higher for the best experience. |
Format | List Price | Price | |
---|---|---|---|
Add to Cart | Paperback78 pages | $15.00 | $12.00 20% Web Discount |
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.
Preface
Figures
Tables
Summary
Acknowledgements
Acknowledgments
Acronyms
Chapter 1
Introduction
Chapter 2
The Relationship Between No-Fault Insurance and Driver Behavior
Chapter 3
Three Tests of the No-Fault Hypothesis
Chapter 4
Conclusions
Appendix A
Factors Contributing to Fatal Accidents
Bibliography
This research was conducted within the RAND Institute for Civil Justice.
This report is part of the RAND Corporation Monograph report series. The monograph/report was a product of the RAND Corporation from 1993 to 2003. RAND monograph/reports presented major research findings that addressed the challenges facing the public and private sectors. They included executive summaries, technical documentation, and synthesis pieces.
This document and trademark(s) contained herein are protected by law. This representation of RAND intellectual property is provided for noncommercial use only. Unauthorized posting of this publication online is prohibited; linking directly to this product page is encouraged. Permission is required from RAND to reproduce, or reuse in another form, any of its research documents for commercial purposes. For information on reprint and reuse permissions, please visit www.rand.org/pubs/permissions.
The RAND Corporation is a nonprofit institution that helps improve policy and decisionmaking through research and analysis. RAND's publications do not necessarily reflect the opinions of its research clients and sponsors.