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30 Rutgers L. Rev. 909 (1976-1977)
No-Fault Automobile Insurance: An Evaluative Survey

handle is hein.journals/rutlr30 and id is 917 raw text is: NOTES NO-FAULT AUTOMOBILE INSURANCE: AN EVALUATIVE SURVEY I. Introduction ......................................... 910 II. B ackground ......................................... 914 A. The Tort-Liability System and Its Critics ............. 914 B. No-Fault Reform of Automobile Insurance ........... 923 1. State Statutes .................................. 923 a. A dd-on Plans ................................ 927 b. M odified Plans .............................. 928 c. Pure N o-Fault ............................. 930 2. National Standards for No-Fault: Federal Proposals . 931 III. Evaluating No-Fault ................................. 932 A. Performance of State No-Fault Statutes .............. 933 1. Proposition One: No-fault will provide bodily injury benefits to more traffic victims than the tort-liability system, including many who were formerly uncom- p ensab le ....................................... 933 2. Proposition Two: No-fault will match benefits with economic losses better than the tort-liability system, reducing overcompensation of victims with small econ- omic losses and undercompensation of victims with large econom ic losses ........................... 937 a. A dd-on States ............................... 940 b. M odified States .............................. 943 c. Pure N o-Fault ............................. 947 d. Sum m ary ................................... 948 3. Proposition Three: No-fault will reduce delay in bod- ily injury benefit payments ....................... 948 4. Proposition Four: No-fault will provide more bodily injury coverage to more traffic victims at no greater cost than non-no-fault liability insurance ........... 952 a. Control Group: Non-No-Fault States ........... 961 b. A dd-on States ............................... 963 c. M odified States .............................. 967 d. Pure N o-Fault ............................. 975 5. Performance of State No-Fault Statutes: Summary .. 979 B. National Standards for No-Fault .................... 981 1. H .R. 6601 and S. 1381 .......................... 981 2. The Need for National Standards ................. 986 IV . C onclusion .......................................... 990

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