Automobile Accident Compensation

Volume I: Who Pays How Much How Soon?

by John E. Rolph, James K. Hammitt, Robert L. Houchens, Sandra Segal Polin


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This study uses statistical methods to compare state automobile accident compensation systems by examining how likely an accident victim is to be paid, and the amount and timing of his payment. The study analyzes how various aspects of the tort system and of the no-fault systems, where present, affect these outcomes. Among its findings were (1) victims in no-fault states more often collect from first-party automobile insurance than victims in other states; (2) victims in no-fault states are more likely to receive some payment; and (3) there is more consistency in payments in no-fault states in that the total amount of compensation a victim receives for a given economic loss varies less.

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