An Economic analysis of auto compensation system : choice experiences from New Jersey and Pennsylvania

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<title>An Economic analysis of auto compensation system</title>
<subTitle>: choice experiences from New Jersey and Pennsylvania</subTitle>
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<title>The Journal of risk and insurance</title>
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<namePart>Schmit, Joan T.</namePart>
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<namePart>Yeh, Jia-Hsing</namePart>
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<abstract>Nearly since the first automobile traveled on U.S. soil, questions about how best to compensate people injured by their use have been raised. Despute various efforts to identify and implement improved systems during the past more the 70 years, no clear best compensation mechanism has been found. Current discussions has focused on the "choice" system, under which insureds are allowed to select either a tort system or a no-fault system of compensantion at the time of insurance purchase. New Jersey and Pennsylvania, which implemented very similar choice programs in 1989 and 1990, respectvely, offer an opportunity to observe the effects of choice on outcomes such as: use of attorneys , speed of payment, and consistency (equity) of payment</abstract>
<note type="statement of responsibility">Joan T.Schmit, Jia-Hsing Yeh</note>
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<topic>Seguro de automóviles</topic>
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<topic>Indemnizaciones</topic>
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<topic>Análisis económico</topic>
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<title>The Journal of risk and insurance</title>
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<text>Volume 70, number 4, December 2003 ;  p. 601-628</text>
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