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Insurance Liability

Commentary

Tapping Business Interruption Insurance Coverage to Assist Small Business During the Pandemic

Legislation has been introduced in several states that would require insurers to cover business interruption losses due to the COVID-19 outbreak. What are the advantages and disadvantages of such a law? If policymakers were to proceed with such an approach, then what design considerations should they keep in mind?

Apr 10, 2020
Journal Article

Journal Article

Medicaid Coverage Expansions and Liability Insurance

This article offers some of the first rigorous evidence regarding the impacts of health coverage expansions targeting the low-income population on use of the tort system, as proxied by insurance payouts.

Jan 14, 2020
Commentary

Allocating Costs for California Wildfires

Wildfires in California have caused and will likely continue to cause substantial losses for residents, businesses, and government agencies. It is important to distribute these losses in a manner that provides incentives to reduce their magnitude over time.

Jul 24, 2019
Report

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
Commentary

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
Report

Assigning Responsibility Following a Catastrophe: Alternatives to Relying Solely on Traditional Civil Litigation

This report reviews various alternatives to relying exclusively on traditional civil litigation to assign responsibility for the human causes of a catastrophe and to determine the types of losses that a designated responsible party must reimburse.

Nov 28, 2017
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
Report

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 8, 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 8, 2014
News Release

RAND Corporation, Risk Management Solutions Launch New Company to Develop Liability Insurance Tools

The RAND Corporation, Risk Management Solutions, Inc. (RMS) and private investors have launched a company named Praedicat, Inc., that will provide consulting services and software to the property and casualty insurance industries.

Mar 14, 2012
News Release

News Release

Residential Wind, Flood Insurance Markets Still Face Serious Problems 5 Years After Hurricane Katrina

Five years after Hurricane Katrina devastated the Gulf Coast, neither the federal government nor the private sector is any closer to developing effective solutions to the problems facing flood and windstorm insurance.

Oct 20, 2010
Research Brief

Research Brief

Call for Reform in the Residential Insurance Market after Hurricane Katrina

In light of what occurred after Katrina and the other 2004-2005 hurricanes, the authors propose goals for an effective Gulf Coast residential insurance market and highlight policy reforms that warrant consideration for achieving those goals.

Oct 8, 2010
Report

Report

Residential Wind, Flood Insurance Markets Still Face Serious Problems 5 Years After Hurricane Katrina

Five years after Hurricane Katrina devastated the Gulf Coast, neither the federal government nor the private sector is any closer to developing effective solutions to the problems facing flood and windstorm insurance.

Oct 8, 2010
Report

Changes Needed to Reduce Volatility in California's Workers' Compensation Insurance Market

California's workers' compensation insurance market will remain vulnerable to wide swings in performance unless changes are made to improve the predictability of costs, transparency of pricing decisions, regulatory oversight and consistency of the incentives facing different parties.

Dec 7, 2009
Journal Article

Journal Article

Liability Coverage for Regional Health Information Organizations: Lessons from the AHRQ-funded State Regional Demonstration Projects in Health Information Technology and Other Community Efforts

This report will share findings from the field on how eight regional health information organizations (RHIOs) have navigated various issues and challenges associated with liability insurance for health information exchange (HIE).

Jun 1, 2009
Journal Article

Journal Article

Liability and Regulation of Autonomous Vehicle Technologies

This research is an initial step toward creating policies to address autonomous vehicle technologies—which have the potential to enormously benefit humankind but raise substantial concern about tort liability for damages that may result from their use.

Dec 31, 2008
News Release

News Release

RAND Study Finds Wind Insurance Costly and Scarce on Gulf of Mexico Coast

RAND Study Finds Wind Insurance Costly and Scarce on Gulf of Mexico Coast.

Jul 18, 2007
Journal Article

Journal Article

Reducing Medical Malpractice By Targeting Physicians Making Medical Malpractice Payments

Some states use physicians' histories of medical malpractice payments to try to reduce the incidence of medical malpractice (and for other reasons).

Feb 28, 2007
Journal Article

Journal Article

Hospitals' Behavior in a Tort Crisis: Observations from Pennsylvania; Bringing Physicians Under Hospitals' Liability Umbrella Could Open the Door to Even Broader Reforms in Medical Malpractice Policy

This paper examines the impact of the liability crisis on Pennsylvania hospitals and the strategies being used to weather the storm, including alternative risk financing and closer ties between hospitals and affiliated physicians. It concludes by connecting these trends to larger medical malpractice policy issues.

Dec 31, 2002
Report

Report

The Effects of Third-Party, Bad Faith Doctrine on Automobile Insurance Costs and Compensation

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's liability insurer — a so-called third-party, bad faith suit — has become an important policy concern.

Jan 1, 2001

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