Auto Insurance


  • Essay

    Who's Responsible When Your Car Gets Hacked?

    Cars are becoming "fast, heavy artificial intelligences on wheels," a RAND report cautions, and that means they're becoming vulnerable. Potentially billions of dollars ride on the question of who has the legal responsibility to keep hackers from grabbing the wheel or cutting the brakes.

    Oct 23, 2019

  • Report

    Autonomous Vehicles and the Future of Auto Insurance

    The existing automobile insurance system in the United States should be flexible enough to accommodate the introduction of autonomous vehicles. Some changes to the insurance model may be indicated as vehicles incorporate higher levels of automation, but it is too early to make radical changes.

    Dec 17, 2020

Explore Automobile Insurance

  • Journal Article

    Journal Article

    Does It Matter Who Pays for Auto Injuries?

    In many states, auto insurers rather than health insurers pay for a substantial fraction of the medical care following auto crashes.

    Dec 11, 2020

  • In this video, James M. Anderson speaks about the mission and history of the RAND Institute for Civil Justice.


    The RAND Institute for Civil Justice: 40 Years

    For 40 years, the RAND Institute for Civil Justice has supplied government and private decisionmakers and the public with the results of objective, empirically based, analytic research.

    Dec 12, 2019

  • Smart car 3D rendering, photo by Production Perig/Adobe Stock

    Research Brief

    When an Autonomous Vehicle Is Hacked, Who Is Liable?

    Hacks on autonomous vehicles could lead to deaths, property destruction, ransomware attacks, or data theft. Several scenarios illustrate the policy challenges facing the civil legal system, insurers, and others.

    Jul 12, 2019

  • Digital rendering of a car with computer screen images overlaying, photo by Perig Morisse/AdobeStock


    When Autonomous Vehicles Are Hacked, Who Is Liable?

    The arrival of autonomous vehicles (AVs) on the roads will require policymakers, industry, and the public to adapt to the risk of hackers attacking these vehicles. RAND researchers explored the civil liability issues related to hacked AVs.

    Jul 12, 2019

  • Equations and formulas behind scales of justice, images by monsitj and DNY59/Getty Images


    Addressing the Challenges of Algorithmic Equity

    Social institutions increasingly use algorithms for decisionmaking purposes. How do different perspectives on equity or fairness inform the use of algorithms in the context of auto insurance pricing, job recruitment, and criminal justice?

    Jul 11, 2019

  • A self-driving car being developed by nuTonomy, a company creating software for autonomous vehicles, is guided down a street near their offices in Boston, Massachusetts, June 2, 2017


    Rethinking Insurance and Liability in the Transformative Age of Autonomous Vehicles

    What are the challenges and opportunities for the automobile insurance industry as autonomous vehicle technology becomes widely deployed? This workshop brought together industry stakeholders, regulators, and consumer representatives to focus on the implications of AV technology for insurance and liability regimes.

    Jun 8, 2018

  • An injured man and his wife examine a bill


    Tax Reform Could Raise Car Insurance Rates

    The new tax law eliminates the individual mandate. When this repeal takes effect in 2019, millions more Americans are expected to go without health insurance. Auto insurers will likely pick up the tab for some of that population's medical care. That could raise car insurance premiums.

    Feb 4, 2018

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    Autonomous Vehicle Technology: A Guide for Policymakers

    Autonomous vehicle technology has the potential to significantly improve social welfare. This report addresses the numerous legislative, regulatory, and liability issues this technology will raise.

    Mar 22, 2016

  • Journal Article

    Journal Article

    How Does Tort Law Affect Consumer Auto Insurance Costs?

    Using data from the Consumer Expenditure Survey and a differences-in-differences research design, this article examines whether any of several common state-level modifications to tort law affect consumer costs for auto insurance.

    Nov 23, 2015

  • News Release

    News Release

    Affordable Care Act Could Change Costs for Auto, Malpractice, Other Liability Insurance

    As more Americans become newly covered under the ACA, the cost of providing automobile insurance, workers compensation, and homeowners insurance may decline. But an increase in the number of people using the health care system may trigger an increase in the number of medical malpractice claims.

    Apr 9, 2014

  • Research Brief

    Research Brief

    The Impact of the Affordable Care Act on Liability Insurance

    Summarizes a report that identifies potential mechanisms through which health care reform might affect claim costs for several major types of liability coverage, especially auto insurance, workers’ compensation coverage, and medical malpractice.

    Apr 9, 2014

  • emergency medical services at the scene of an auto accident


    ACA Could Change Costs of Auto, Malpractice, and Other Liability Insurance

    As more Americans become newly covered under the Affordable Care Act, the cost of providing automobile insurance, workers compensation, and homeowners insurance may decline. Meanwhile, an increase in the number of people using the health care system may trigger a corresponding increase in the number of medical malpractice claims.

    Apr 9, 2014

  • A driverless electric vehicle at the Nanyang Technological University in Singapore


    With Self-Driving Cars, Promise Outweighs Peril

    The promise of autonomous vehicles is finally near to being realized and the substantial benefits to society in terms of safety, mobility, and fuel economy cannot be ignored. It is not too early for policy makers to begin to think about the challenges that lie ahead.

    Jan 28, 2014

  • News Release

    News Release

    Self-Driving Vehicles Offer Potential Benefits, Policy Challenges for Lawmakers

    Self-driving vehicles offer the promise of significant benefits to society, but raise several policy challenges, including the need to update insurance liability regulations and privacy concerns such as who will control the data generated by this technology.

    Jan 6, 2014

  • One of Google's self-driving cars picturesd in a parking lot.

    Research Brief

    How to Best Realize the Social Benefits of Autonomous Vehicle Technology

    The auto industry has been moving toward more autonomous vehicles for years. Policymakers could benefit from an examination of the technological advances in this area, their benefits and risks, and the potential effects of various regulations — as well as the absence of regulation — on the development of this technology.

    Jan 6, 2014

  • A man driving in a tunnel


    PIP Mandate Keeps Michigan's Auto Premiums High

    By offering consumers more flexibility in personal injury protection (PIP) coverage, the Michigan legislature can reduce costs for many drivers while enabling those who want the best coverage to continue to buy it, writes Paul Heaton.

    Jul 18, 2012

  • Periodical


    RAND Review: Vol. 34, No. 1, Spring 2010

    Features discuss energy strategies for Israel, the economic recession, and Iran's leadership; other items discuss the KC-10 fleet, air pollution and hospital costs, no-fault insurance, silica litigation, poverty reduction, and political polarization.

    Apr 9, 2010

  • Research Brief

    Research Brief

    Reducing Michigan Auto Insurance Rates

    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.

    Mar 4, 2010