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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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The U.S. Experience with No-Fault Automobile Insurance A Retrospective
James M. Anderson, Paul Heaton, Stephen J. Carroll
INST IT UT E F OR C I VI L JU S TI C E
The research described in this report was conducted within the RAND Institue for Civil Justice (ICJ). ICJ research is supported by pooled grants from corporations, trade and professional associations, and individuals; by government grants and contracts; and by private foundations.
Library of Congress Cataloging-in-Publication Data Anderson, James M. The U.S. experience with no-fault automobile insurance : a retrospective / James M. Anderson, Paul Heaton, Stephen J. Carroll. p. cm. Includes bibliographical references. ISBN 978-0-8330-4916-2 (pbk. : alk. paper) 1. No-fault automobile insurance—Law and legislation—United States. 2. No-fault automobile insurance—United States. 3. Liability for traffic accidents—United States. I. Heaton, Paul. II. Carroll, Stephen J., 1940– III. Title. KF1219.5.A96 2010 346.73'0865728—dc22 2009047041
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