The U.S. experience with no-fault automobile insurance: a retrospective
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Elektronisch E-Book |
| Sprache: | English |
| Veröffentlicht: |
Santa Monica, CA
RAND
2010
|
| Schriftenreihe: | Rand Corporation monograph series
|
| Schlagworte: | |
| Online-Zugang: | FAW01 FAW02 Volltext |
| Beschreibung: | "MG-860-ICJ."--Page 4 of cover Includes bibliographical references A primer on tort and no-fault systems -- A brief history of no-fault -- The cost of no-fault -- Why have no-fault regimes been more expensive than anticipated? -- Conclusion, policy implications, and future developments No-fault automobile-insurance regimes were the culmination of decades of dissatisfaction with the use of the traditional tort system for compensating victims of automobile accidents. They promised quicker, fairer, less-contentious, and, it was hoped, less-expensive resolution of automobile-accident injuries. This monograph considers how these plans have fared. After reviewing the intellectual and political history of no-fault auto insurance, the monograph concludes that no-fault lost political popularity because of the perception that it did not deliver the promised consumer premium cost reductions. Analysis of data from a variety of sources confirms this view, demonstrating that premiums and claim costs have become substantially larger in no-fault states than in other states over time. These cost increases can be traced to a variety of factors, including growth in excess claiming in no-fault states and convergence between no-fault and tort states in litigation patterns and noneconomic-damage payments. However, the primary driver of no-fault's cost growth has been high medical costs. The extent to which these additional costs represent augmented utilization of medical services rather than cost shifting from the medical insurance system to the automobile insurance system remains unclear |
| Beschreibung: | 1 Online-Ressource (xx, 170 pages) |
| ISBN: | 083304916X 0833049461 9780833049162 9780833049469 |
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| 245 | 1 | 0 | |a The U.S. experience with no-fault automobile insurance |b a retrospective |c James M. Anderson, Paul Heaton, Stephen J. Carroll |
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| spelling | Anderson, James M. Verfasser aut The U.S. experience with no-fault automobile insurance a retrospective James M. Anderson, Paul Heaton, Stephen J. Carroll United States experience with no-fault automobile insurance Santa Monica, CA RAND 2010 1 Online-Ressource (xx, 170 pages) txt rdacontent c rdamedia cr rdacarrier Rand Corporation monograph series "MG-860-ICJ."--Page 4 of cover Includes bibliographical references A primer on tort and no-fault systems -- A brief history of no-fault -- The cost of no-fault -- Why have no-fault regimes been more expensive than anticipated? -- Conclusion, policy implications, and future developments No-fault automobile-insurance regimes were the culmination of decades of dissatisfaction with the use of the traditional tort system for compensating victims of automobile accidents. They promised quicker, fairer, less-contentious, and, it was hoped, less-expensive resolution of automobile-accident injuries. This monograph considers how these plans have fared. After reviewing the intellectual and political history of no-fault auto insurance, the monograph concludes that no-fault lost political popularity because of the perception that it did not deliver the promised consumer premium cost reductions. Analysis of data from a variety of sources confirms this view, demonstrating that premiums and claim costs have become substantially larger in no-fault states than in other states over time. These cost increases can be traced to a variety of factors, including growth in excess claiming in no-fault states and convergence between no-fault and tort states in litigation patterns and noneconomic-damage payments. However, the primary driver of no-fault's cost growth has been high medical costs. The extent to which these additional costs represent augmented utilization of medical services rather than cost shifting from the medical insurance system to the automobile insurance system remains unclear LAW / Administrative Law & Regulatory Practice bisacsh BUSINESS & ECONOMICS / Insurance / Automobile bisacsh Liability for traffic accidents fast No-fault automobile insurance fast No-fault automobile insurance / Law and legislation fast Recht Wirtschaft No-fault automobile insurance Law and legislation United States No-fault automobile insurance United States Liability for traffic accidents United States USA Heaton, Paul Sonstige oth Carroll, Stephen J. Sonstige oth http://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=314465 Aggregator Volltext |
| spellingShingle | Anderson, James M. The U.S. experience with no-fault automobile insurance a retrospective LAW / Administrative Law & Regulatory Practice bisacsh BUSINESS & ECONOMICS / Insurance / Automobile bisacsh Liability for traffic accidents fast No-fault automobile insurance fast No-fault automobile insurance / Law and legislation fast Recht Wirtschaft No-fault automobile insurance Law and legislation United States No-fault automobile insurance United States Liability for traffic accidents United States |
| title | The U.S. experience with no-fault automobile insurance a retrospective |
| title_alt | United States experience with no-fault automobile insurance |
| title_auth | The U.S. experience with no-fault automobile insurance a retrospective |
| title_exact_search | The U.S. experience with no-fault automobile insurance a retrospective |
| title_full | The U.S. experience with no-fault automobile insurance a retrospective James M. Anderson, Paul Heaton, Stephen J. Carroll |
| title_fullStr | The U.S. experience with no-fault automobile insurance a retrospective James M. Anderson, Paul Heaton, Stephen J. Carroll |
| title_full_unstemmed | The U.S. experience with no-fault automobile insurance a retrospective James M. Anderson, Paul Heaton, Stephen J. Carroll |
| title_short | The U.S. experience with no-fault automobile insurance |
| title_sort | the u s experience with no fault automobile insurance a retrospective |
| title_sub | a retrospective |
| topic | LAW / Administrative Law & Regulatory Practice bisacsh BUSINESS & ECONOMICS / Insurance / Automobile bisacsh Liability for traffic accidents fast No-fault automobile insurance fast No-fault automobile insurance / Law and legislation fast Recht Wirtschaft No-fault automobile insurance Law and legislation United States No-fault automobile insurance United States Liability for traffic accidents United States |
| topic_facet | LAW / Administrative Law & Regulatory Practice BUSINESS & ECONOMICS / Insurance / Automobile Liability for traffic accidents No-fault automobile insurance No-fault automobile insurance / Law and legislation Recht Wirtschaft No-fault automobile insurance Law and legislation United States No-fault automobile insurance United States Liability for traffic accidents United States USA |
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