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54 Md. L. Rev. 281 (1995)
The Costs of Consumer Choice for Auto Insurance in States without No-Fault Insurance

handle is hein.journals/mllr54 and id is 293 raw text is: MARYLAND LAW REVIEW VOLUME 54 1995 NUMBER 2 © Copyright Maryland Law Review, Inc. 1995 Articles THE COSTS OF CONSUMER CHOICE FOR AUTO INSURANCE IN STATES WITHOUT NO-FAULT INSURANCE JEFFREY O'CONNELL,* STEPHEN CARROLL,** MICHAEL HOROWITZ,*** ALLAN ABRAHAMSE,**** & DANIEL KAISER***** CONTENTS I. THE PRESENT SITUATION AND THE PROPOSED CHOICE SYSTEM .................................................... 282 II. ESTIMATING THE EFFECTS OF THE CHOICE PLAN .......... 284 A. General Approach .................................... 284 B. The Results ............................. ............ 286 C. Effects on the Poor .................................... 289 III. DETERRENCE ............................................ 293 IV. CONCLUSION .............................................. 294 APPENDIX A: TABLES AND TREE CHARTS ......................... 295 APPENDIX B: MODEL LEGISLATION FOR CREATION OF A CONSUMER CHOICE IN MOTOR VEHICLE INSURANCE ACT ......... 321 * The Samuel H. McCoy H and Class of 1941 Professor of Law, University of Virginia; BA, Dartmouth College; J.D., Harvard University. ** Senior Economist, RAND; B.S., M.S., Illinois Institute of Technology; Ph.D., Johns Hopkins University. *** Senior Fellow, Hudson Institute; BA, City University of New York; J.D., Yale University. **** Mathematician, RAND; B.S., Ph.D., University of Michigan. ***** B.B.A., M.S., University of Wisconsin.

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