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作者 Anderson, James M
書名 The U.S. experience with no-fault automobile insurance : a retrospective / James M. Anderson, Paul Heaton, Stephen J. Carroll
出版項 Santa Monica, CA : RAND, 2010
國際標準書號 9780833049162 (pbk. : alk. paper)
083304916X (pbk. : alk. paper)
9780833049469 (e-book)
0833049461 (e-book)
book jacket
館藏地 索書號 處理狀態 OPAC 訊息 條碼
 歐美所圖書館  346.73 An2375 2010    在架上  -  30500101430752
說明 xx, 170 p. : ill. ; 23 cm
系列 Rand Corporation monograph series
Rand Corporation monograph series
附註 "MG-860-ICJ."--P. [4] of cover
Includes bibliographical references (p. 151-170)
Introduction -- 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." --Back cover
主題 No-fault automobile insurance -- Law and legislation -- United States
No-fault automobile insurance -- United States
Liability for traffic accidents -- United States
Alt Author Heaton, Paul, 1978-
Carroll, Stephen J., 1940-
Alt Title United States experience with no-fault automobile insurance
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