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.
Institute for Civil Justice Publications
The RAND Institute for Civil Justice uses empirical and objective research methods to search out the root causes of system problems and identify the best fixes. We find common ground among adversaries, and interpret findings for policymakers. Our work aims to make the system more efficient and equitable for all, protecting society from the economic and social costs of a system that could become arbitrary and capricious.
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No-fault regimes, a formerly popular alternative to the tort compensation system for auto-accident victims, have gradually lost support. Over time, premiums and claim costs have grown in no-fault states relative to other states, primarily driven by explosive medical cost increases. No-fault and tort states have also converged across many domains affecting costs, including excess claiming, litigation patterns, and noneconomic-damage payments.
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.
Measures the relationship between state-level court expenditures and the propensity of injured parties to pursue litigation.
The Role of Inspection Sequence in Compliance with the US Occupational Safety and Health Administration's (OSHA) Standards: Interpretations and Implications 2010
The authors examined the Occupational Safety and Health Administration's inspections in the US to identify the effects of repeated inspections and the time between inspections on non-compliance.
Health Savings Accounts for Small Businesses and Entrepreneurs: Shopping, Take-Up and Implementation Challenges 2010
The Health Savings Account marketplace may have expanded access to health insurance for the smallest firms but not for small firms more generally, who face challenges in implementing them.
Evaluates managerial perception of the Sarbanes-Oxley Act of 2002, a stringent rules-based system widely considered the most comprehensive economic regulation since the New Deal.
This paper attempts to fill this gap by linking novel micro-level data on house demolitions(a policy used by the Israeli Defense Forces [IDF] to combat and deter terrorism) and suicideattacks, empirically documenting the effects of house demolitions on future suicide attacks
This brief analyzes the factors that led to the exposure of widespread abuse in the diagnoses in thousands of silica injury claims in Texas, then suggests ways to uncover such abuses in mass personal-injury litigation more easily in the future.
This report reviews the court proceedings that led to the uncovering of abusive diagnostic practices in silica litigation, then identifies several areas in which changes in litigation practices and procedures could increase the likelihood that similar diagnosing practices would be uncovered in the future or prevented from occurring in the first place.