The Impact of No-Fault Legislation on Automobile Insurance
The Impact of No-Fault Legislation on Automobile Insurance
复制标题
无过错立法对汽车保险的影响
DOI：
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发表时间：
2012
期刊：
影响因子：
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通讯作者：
D. Macpherson
中科院分区：
文献类型：
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作者：
Cassandra R. Cole;K. Eastman;Patrick F. Maroney;Kathleen A. McCullough;D. Macpherson
无过错责任立法自产生以来，其效力一直备受争议。虽然一些研究表明，无过错法在降低成本方面是有效的，但其他证据表明，目前的无过错制度可能无法达到最初的目标。这项研究提供了一个详细的评估无过错法和汽车保险损失的关系，1994年至2007年。通过检查汽车保险总损失沿着责任和人身伤害保护损失，我们能够确定法律的具体规定是否以及如何与索赔费用相关。我们发现，无过错法的存在和总损失之间的负相关关系，这表明，无过错制度与较低的损失比传统的侵权制度。此外，对仅无过失国家的审查表明，无过失法律的具体规定，如福利的门槛和限制，对损失有一定的影响。随着2003年科罗拉多州无过错立法的日落，最近佛罗里达州人身伤害保护改革的通过，以及拟议中的联邦选择立法，无过错的整体影响以及法律的具体组成部分对消费者、保险公司和立法者来说都变得更加重要。
Abstract Since its inception, the effectiveness of no-fault legislation has been highly debated. Although some research suggests that no-fault laws are effective in reducing costs, other evidence suggests that the current no-fault systems may not meet the original objectives. This study provides a detailed assessment of the relation of no-fault laws and automobile insurance losses for the period 1994 to 2007. By examining total automobile insurance losses along with liability and personal injury protection losses, we are able to determine if and how specific provisions of the laws are related to claims costs. We find a negative relation between the presence of a no-fault law and total losses, which suggests that no-fault systems are associated with lower losses than the traditional tort system. In addition, an examination of no-fault-only states suggests that specific provisions of no-fault laws, such as thresholds and limitations on benefits, have some effect on losses. With the sunset of Colorado’s no-fault legislation in 2003, the recent passage of Personal Injury Protection Reform in Florida, and proposed federal choice legislation, the overall impact of no-fault as well as the specific components of the laws are of heightened importance to consumers, insurers, and lawmakers.