{"id":"https://openalex.org/W2162017100","doi":"https://doi.org/10.1086/322818","title":"The Incentive Effects of No\u2010Fault Automobile Insurance","display_name":"The Incentive Effects of No\u2010Fault Automobile Insurance","publication_year":2001,"publication_date":"2001-10-01","ids":{"openalex":"https://openalex.org/W2162017100","doi":"https://doi.org/10.1086/322818","mag":"2162017100"},"language":"en","primary_location":{"id":"doi:10.1086/322818","doi":"https://doi.org/10.1086/322818","is_oa":false,"landing_page_url":"https://doi.org/10.1086/322818","pdf_url":null,"source":{"id":"https://openalex.org/S998097505","display_name":"The Journal of Law and Economics","issn_l":"0022-2186","issn":["0022-2186","1537-5285"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","fnege-2","jufo-2","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315672","host_organization_name":"University of Chicago Press","host_organization_lineage":["https://openalex.org/P4310315672","https://openalex.org/P4310315690"],"host_organization_lineage_names":["University of Chicago Press","University of Chicago"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"The Journal of Law and Economics","raw_type":"journal-article"},"volume":null,"type":"article","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5104533623","display_name":"J. David Cummins","orcid":"https://orcid.org/0000-0002-9729-4900","observed_orcids":["https://orcid.org/0000-0002-9729-4900"]},"institutions":[{"id":"https://openalex.org/I79576946","display_name":"University of Pennsylvania","ror":"https://ror.org/00b30xv10","country_code":"US","type":"education","lineage":["https://openalex.org/I79576946"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"J.\u00a0David Cummins","raw_affiliation_strings":["University of Pennsylvania"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"University of Pennsylvania","institution_ids":["https://openalex.org/I79576946"]}]},{"author_position":"middle","author":{"id":"https://openalex.org/A5072674435","display_name":"Richard D. Phillips","orcid":"https://orcid.org/0000-0002-0208-1444","observed_orcids":["https://orcid.org/0000-0002-0208-1444"]},"institutions":[{"id":"https://openalex.org/I181565077","display_name":"Georgia State University","ror":"https://ror.org/03qt6ba18","country_code":"US","type":"education","lineage":["https://openalex.org/I181565077"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Richard\u00a0D. Phillips","raw_affiliation_strings":["Georgia State University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Georgia State University","institution_ids":["https://openalex.org/I181565077"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5004359442","display_name":"Mary A. Weiss","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I84392919","display_name":"Temple University","ror":"https://ror.org/00kx1jb78","country_code":"US","type":"education","lineage":["https://openalex.org/I84392919"]}],"countries":["US"],"is_corresponding":false,"raw_author_name":"Mary\u00a0A. Weiss","raw_affiliation_strings":["Temple University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Temple University","institution_ids":["https://openalex.org/I84392919"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":16.3134,"has_fulltext":false,"cited_by_count":81,"citation_normalized_percentile":{"value":0.98772907,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":88,"max":98},"biblio":{"volume":"44","issue":"2","first_page":"427","last_page":"464"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11762","display_name":"Law, Economics, and Judicial Systems","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11762","display_name":"Law, Economics, and Judicial Systems","score":0.9872999787330627,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10370","display_name":"Traffic and Road Safety","score":0.009700000286102295,"subfield":{"id":"https://openalex.org/subfields/2213","display_name":"Safety, Risk, Reliability and Quality"},"field":{"id":"https://openalex.org/fields/22","display_name":"Engineering"},"domain":{"id":"https://openalex.org/domains/3","display_name":"Physical Sciences"}},{"id":"https://openalex.org/T12394","display_name":"Insurance and Financial Risk Management","score":0.0020000000949949026,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/no-fault-automobile-insurance","display_name":"no-fault automobile insurance","score":0.921999990940094},{"id":"https://openalex.org/keywords/tort-liability","display_name":"tort liability","score":0.5870000123977661},{"id":"https://openalex.org/keywords/accident-fatality-rates","display_name":"accident fatality rates","score":0.7139999866485596},{"id":"https://openalex.org/keywords/driver-behavior","display_name":"driver behavior","score":0.4259999990463257},{"id":"https://openalex.org/keywords/incentive-effects","display_name":"incentive effects","score":0.5519999861717224},{"id":"https://openalex.org/keywords/tort-reform","display_name":"tort reform","score":0.5479999780654907}],"concepts":[{"id":"https://openalex.org/C2992945734","wikidata":"https://www.wikidata.org/wiki/Q1068361","display_name":"Automobile insurance","level":2,"score":0.8541173934936523},{"id":"https://openalex.org/C29122968","wikidata":"https://www.wikidata.org/wiki/Q1414816","display_name":"Incentive","level":2,"score":0.7580996751785278},{"id":"https://openalex.org/C610760","wikidata":"https://www.wikidata.org/wiki/Q1340706","display_name":"Endogeneity","level":2,"score":0.7400510907173157},{"id":"https://openalex.org/C200635333","wikidata":"https://www.wikidata.org/wiki/Q158970","display_name":"Tort","level":3,"score":0.6750010251998901},{"id":"https://openalex.org/C2780289543","wikidata":"https://www.wikidata.org/wiki/Q424630","display_name":"Accident (philosophy)","level":2,"score":0.6550443172454834},{"id":"https://openalex.org/C175551986","wikidata":"https://www.wikidata.org/wiki/Q47089","display_name":"Fault (geology)","level":2,"score":0.5510141253471375},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.48981210589408875},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4842090606689453},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.4673709273338318},{"id":"https://openalex.org/C3018914213","wikidata":"https://www.wikidata.org/wiki/Q171558","display_name":"Fatal accident","level":3,"score":0.41874566674232483},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.28660038113594055},{"id":"https://openalex.org/C3017944768","wikidata":"https://www.wikidata.org/wiki/Q1450463","display_name":"Poison control","level":2,"score":0.26152941584587097},{"id":"https://openalex.org/C149782125","wikidata":"https://www.wikidata.org/wiki/Q160039","display_name":"Econometrics","level":1,"score":0.19106265902519226},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.13744616508483887},{"id":"https://openalex.org/C2777834853","wikidata":"https://www.wikidata.org/wiki/Q96776939","display_name":"Liability","level":2,"score":0.1322917342185974},{"id":"https://openalex.org/C175444787","wikidata":"https://www.wikidata.org/wiki/Q39072","display_name":"Microeconomics","level":1,"score":0.12996813654899597},{"id":"https://openalex.org/C99454951","wikidata":"https://www.wikidata.org/wiki/Q932068","display_name":"Environmental health","level":1,"score":0.12129104137420654},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.07385557889938354},{"id":"https://openalex.org/C71924100","wikidata":"https://www.wikidata.org/wiki/Q11190","display_name":"Medicine","level":0,"score":0.052300602197647095},{"id":"https://openalex.org/C127313418","wikidata":"https://www.wikidata.org/wiki/Q1069","display_name":"Geology","level":0,"score":0.0},{"id":"https://openalex.org/C165205528","wikidata":"https://www.wikidata.org/wiki/Q83371","display_name":"Seismology","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0},{"id":"https://openalex.org/C111472728","wikidata":"https://www.wikidata.org/wiki/Q9471","display_name":"Epistemology","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1086/322818","doi":"https://doi.org/10.1086/322818","is_oa":false,"landing_page_url":"https://doi.org/10.1086/322818","pdf_url":null,"source":{"id":"https://openalex.org/S998097505","display_name":"The Journal of Law and Economics","issn_l":"0022-2186","issn":["0022-2186","1537-5285"],"is_oa":false,"is_in_doaj":false,"is_core":true,"listed_in":["abdc-a-star","anvur-class-a","anvur-scientific","cwts-core","fnege-2","jufo-2","norway-2","poland-140","russia-white-list-1","vabb-shw"],"host_organization":"https://openalex.org/P4310315672","host_organization_name":"University of Chicago Press","host_organization_lineage":["https://openalex.org/P4310315672","https://openalex.org/P4310315690"],"host_organization_lineage_names":["University of Chicago Press","University of Chicago"],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"The Journal of Law and Economics","raw_type":"journal-article"}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.6601999998092651,"display_name":"Peace, justice, and strong institutions","id":"https://metadata.un.org/sdg/16"}],"sustainable_development_goals_aurora":[{"score":0.7300000190734863,"display_name":"Good health and well-being","id":"https://metadata.un.org/sdg/3"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":31,"referenced_works":["https://openalex.org/W24171263","https://openalex.org/W1504892494","https://openalex.org/W1517945699","https://openalex.org/W1520072892","https://openalex.org/W1564198510","https://openalex.org/W1566936261","https://openalex.org/W1590986174","https://openalex.org/W1599630273","https://openalex.org/W1806906773","https://openalex.org/W1966595873","https://openalex.org/W1970707054","https://openalex.org/W1976158833","https://openalex.org/W1982089776","https://openalex.org/W1988341121","https://openalex.org/W2019992339","https://openalex.org/W2023033938","https://openalex.org/W2028988582","https://openalex.org/W2029319591","https://openalex.org/W2035377775","https://openalex.org/W2051145021","https://openalex.org/W2054716028","https://openalex.org/W2055942747","https://openalex.org/W2062346839","https://openalex.org/W2072222472","https://openalex.org/W2090539283","https://openalex.org/W2098910318","https://openalex.org/W2262153746","https://openalex.org/W2317389600","https://openalex.org/W3122588760","https://openalex.org/W4241371084","https://openalex.org/W4299678552"],"related_works":["https://openalex.org/W7139825938","https://openalex.org/W2587176006","https://openalex.org/W1976158833","https://openalex.org/W2299668085","https://openalex.org/W573235336","https://openalex.org/W3123429429","https://openalex.org/W3122887985","https://openalex.org/W1970707054","https://openalex.org/W7095681727","https://openalex.org/W1542061284"],"abstract_inverted_index":{"This":[0],"paper":[1],"presents":[2],"a":[3,20],"theoretical":[4],"and":[5,52],"empirical":[6,61],"analysis":[7,62],"of":[8,11,26,63,81],"the":[9,24,36,73,78,87],"effects":[10],"no\u2010fault":[12,29,45,82,90],"automobile":[13,27,64],"insurance":[14,30],"on":[15],"fatal":[16,96],"accident":[17,56,65,97],"rates.":[18,57],"As":[19],"mechanism":[21],"for":[22,49,77],"compensating":[23],"victims":[25],"accidents,":[28],"has":[31],"several":[32],"important":[33],"advantages":[34],"over":[35,72],"tort":[37],"system.":[38],"However,":[39],"by":[40],"restricting":[41],"access":[42],"to":[43,54],"tort,":[44],"may":[46],"weaken":[47],"incentives":[48],"careful":[50],"driving":[51],"lead":[53],"higher":[55,95],"We":[58],"conduct":[59],"an":[60],"fatality":[66],"rates":[67,98],"in":[68],"all":[69],"U.S.":[70],"states":[71],"period":[74],"1968\u201394,":[75],"controlling":[76],"potential":[79],"endogeneity":[80],"laws.":[83],"The":[84],"results":[85],"support":[86],"hypothesis":[88],"that":[89],"is":[91],"significantly":[92],"associated":[93],"with":[94],"than":[99],"tort.":[100]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":1},{"year":2024,"cited_by_count":2},{"year":2023,"cited_by_count":3},{"year":2022,"cited_by_count":1},{"year":2021,"cited_by_count":1},{"year":2020,"cited_by_count":2},{"year":2018,"cited_by_count":2},{"year":2017,"cited_by_count":2},{"year":2016,"cited_by_count":2},{"year":2015,"cited_by_count":3},{"year":2014,"cited_by_count":2},{"year":2013,"cited_by_count":5},{"year":2012,"cited_by_count":3}],"updated_date":"2026-10-16T09:59:22.235173","created_date":"2016-06-24T00:00:00"}
