The U.S. Experience with No-Fault Automobile Insurance

A Retrospective

Nonfiction, Reference & Language, Law, Insurance, Business & Finance, Industries & Professions
Cover of the book The U.S. Experience with No-Fault Automobile Insurance by James M. Anderson, Paul Heaton, Stephen J. Carroll, RAND Corporation
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Author: James M. Anderson, Paul Heaton, Stephen J. Carroll ISBN: 9780833049469
Publisher: RAND Corporation Publication: February 15, 2010
Imprint: RAND Corporation Language: English
Author: James M. Anderson, Paul Heaton, Stephen J. Carroll
ISBN: 9780833049469
Publisher: RAND Corporation
Publication: February 15, 2010
Imprint: RAND Corporation
Language: English

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.

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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.

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