This research brief describes work documented in No-Fault Approaches to Compensating People Injured in Automobile Accidents (R-4019-ICJ), No-Fault Approaches to Compensating Auto Accident Victims (RP-229), Consumer Choice in the Auto Insurance Market (RP-254) and The Effects of a Choice Auto Insurance Plan on Insurance Costs (MR-540-ICJ).

Excerpt: Escalating auto insurance premiums have been a major public policy issue at the state level for the last three decades. No-fault auto insurance, spawned in the 1970s, was one response, offering cost savings to motorists and speedier compensation to auto accident victims. But because it required claimants to give up rights to seek compensation through the courts unless their losses exceeded a specified threshold, many states found it an unappealing alternative.

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