The Economics and Politics of Choice No-Fault Insurance

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In recent years, choice no-fault has emerged as a popular but controversial proposal for addressing the problem of high automobile insurance rates. Choice plans offer consumers the option of a lower-cost insurance policy with restrictions on filing lawsuits or a higher-cost policy with full tort rights. Some American states have implemented choice programmes, and major federal choice legislation is now pending in the United States Congress. Choice no-fault has caught the attention of policy makers, the insurance industry, and academics. This book pulls together the available research on the topic and is edited by scholars from different disciplines, each of whom has written extensively on automobile insurance issues.