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No-Fault Automobile Insurance

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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
Report

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
Commentary

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 29, 2014
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
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
News Release

News Release

No-Fault Automobile Insurance's Fall from Popularity Caused by Increased Medical Costs

No-fault automobile insurance, once seen as a way to limit court costs and lower premiums, has declined in popularity among both insurers and consumers because it largely has failed to accomplish either goal.

Feb 15, 2010
Report

Report

No-Fault Automobile Insurance's Fall from Popularity Caused by Increased Medical Costs

No-fault automobile insurance, once seen as a way to limit court costs and lower premiums, has declined in popularity among both insurers and consumers because it largely has failed to accomplish either goal.

Feb 2, 2010
Research Brief

Research Brief

What Happened to No-Fault Automobile Insurance?

This brief reviews the decline in popularity of no-fault automobile insurance. The main reason for this decline is rising costs: no-fault offers more medical services to accident victims and pays more for the same care than tort insurance.

Feb 1, 2010
Report

Report

The Effect of No-Fault Automobile Insurance on Driver Behavior and Automobile Accidents in the United States

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. This book evaluates this criticism.

Jan 1, 2001
Research Brief

Research Brief

No-Fault Automobile Insurance Unrelated To Accident Rates: New Research Controls for Bias that Tainted Previous Studies

Study refutes a common criticism of no-fault auto insurance -- that it may increase the accident rate by reducing drivers' incentives to drive carefully.

Jan 1, 2001
Report

Report

The Effects of a Proposed No-Fault Plan on the Costs of Auto Insurance in California: An Updated Analysis

This Issue Paper estimates how a pure no-fault automobile insurance plan, proposed for California in 1995, would affect the costs of automobile insurance in the state.

Jan 1, 1996
Research Brief

Research Brief

Choosing an Alternative to Tort

Escalating auto insurance premiums have been a major public policy issue at the state level for the last three decades.

Jan 1, 1995
Report

Report

The costs of consumer choice for auto insurance in states without no-fault insurance

The costs of consumer choice for auto insurance in states without no-fault insurance

Jan 1, 1995
Report

Report

No-Fault Approaches to Compensating Auto Accident Victims

This study estimates the effects of a broad range of alternative no-fault auto insurance plans, compared with the traditional tort system.

Jan 1, 1993
Research Brief

Research Brief

No-Fault Approaches to Automobile-Injury Compensation

This research brief describes a study that estimates what would happen if a state switched to a no-fault approach to auto-injury compensation.

Jan 1, 1991
Report

Report

No-Fault Approaches to Compensating People Injured in Automobile Accidents

This report estimates the effects of a broad range of no-fault plans, compared with the traditional system.

Jan 1, 1991
Report

Report

No-Fault Automobile Insurance: A Policy Perspective

This report considers what would happen if a state adopted a no-fault auto insurance system.

Jan 1, 1991
Report

Report

Limiting Liability for Automobile Accidents: Are No-Fault Tort Thresholds Effective?

"No-fault" automobile insurance plans are designed to supplant the tort system by requiring motorists to purchase no-fault insurance and allowing victims to file liability insurance claims and tort suits only if their injuries exceed a legislated ...

Jan 1, 1985